# PINNACLE BANK
ROGERS, AR · FDIC certificate 11256 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $74.9M | |
| Deposits | $58.2M | |
| Loans and leases | $39.5M | |
| Total equity | $9.4M | |
| Loans / deposits | 65.77% (p36 of band) | 73.48% |
| Liquid assets / assets | 35.15% (p57 of band) | |
| Uninsured deposits / deposits | 19.97% (p71 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.61% (p74 of band) | |
| FHLB advances / assets | 6.61% | |
| Tier 1 leverage | 12.40% (p70 of band) | 10.87% |
| Unrealized securities loss / equity | -4.35% (p10 of band) | -0.29% |
| AOCI / equity | 1.94% (p93 of band) | |
| ROA (annualized) | -0.53% (p3 of band) | 0.83% |
| Net interest margin | 2.40% (p5 of band) | 3.63% |
| Efficiency ratio | 95.39% (p92 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 96% | |
| Construction % of loans | 85.93% (p92 of band) | |
| Auto loans | $35,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -25.1% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 | charge-offs p90 | reserve under noncurrent |
| 2011-12 | 6 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 5 |  | losing money, deposits shrinking |
| 2012-09 | 5 |  |  |
| 2012-12 | 3 | charge-offs p90, uninsured deposits leaving | construction >100% equity, noncurrent p90, reserve under noncurrent, assets shrinking |
| 2013-03 | 4 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2013-06 | 3 |  | expense ratio p90 |
| 2013-09 | 1 |  | charge-offs p90, capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | construction >100% equity |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | deposits shrinking, assets shrinking |  |
| 2015-06 | 1 |  | assets shrinking |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 1 | expense ratio p90 |  |
| 2016-03 | 2 | capital falling, NIM <2.5% | expense ratio p90 |
| 2016-06 | 2 | expense ratio p90 | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 5 | losing money, deposits shrinking, assets shrinking |  |
| 2017-03 | 6 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-29 [Trusted bankers join Synovus Bank, which merged with Pinnacle Financial Partners, in Pensacola - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMipwFBVV95cUxOR2RpOTVkaVhpTW5vcEJGNTAwbXlrTFRiQVJIZFVTNmhJS21HU3FDTVBBdGRocGJHVVR5cUhGSm83dFZIckR3VlI0VmxRNDlQaU1MczU5NEVhOHdZNjliUTZJd2FRRUhLVnpZRDl6NmNORGZDVDdDQzhSdDB1YkJjc0ZPWU12R08yR0ZoMTNWWklXVnZVYTlBRjdDTUlkYUVCSm9rTkhkTQ?oc=5) · Pinnacle Financial Partners
- 2021-10-04 [Shady Grove Office Leader Justin Russell Among New Members of Pinnacle's Memphis Team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMivgFBVV95cUxNa0lkU3lrZ2FkX3NRdEFvdHN3enM1YXhKbmppTmEyLUJSSklsd2tobk1NUmxKbW1KRzRSVWY3bGxqUU82MmNBMVYzLTFQSXIzSUx1cWFoTk4xYkcwLTZCX2JQbHhVX3hnalhwVTEyOGY0MjdNRlZWeUlVRTV2ZEpxMi1pTGdqYzZBX25hNXMzX0FwMncwa1VQNm05cXVLRG5reUZRaU9kZWppZTR6QzRzeFlXNnFZYjZNWF9uTnd3?oc=5) · Pinnacle Financial Partners
- 2018-02-07 [Chambers Bank is tweaking its growth strategy in Benton County - Talk Business & Politics](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUHJaZ0ktNlhKOElKSDd4OHY2ZWJnY3g0d3hOSDYyclEzRmliNk5Tb09UTmtnUTM2enRNZHBxcTYtTlZIOGxVMlJWX2NHQy0za1c3WFpJSk1HWUt4aVJMWUVZZEhWdWRPR2VaVUlIX1B4Q2FXZXRZWkx5eUg3RU5FTWxvLUhpSlp3S1cxZHgyN2VEaHFOU0FYZVIyLW8?oc=5) · Talk Business &amp; Politics
- 2025-09-30 [Top Nashville banks hold position, with one gunning for top 10 - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPN2RPOXBwSEsxTG04M3BBRUN2bHgzMWhyWFlwdkt6emlMXzc4ZndUaUJKeURiVVZQZDUwNnd5ZmkwSFg0N0xLQmZJMmtYejhpZXFiY3RvZjVKaHQxTHJ3MzFPVU5mT2lCNi0xWV8tU1J0d2dXMkhoTk82M0otUjRCV3h5X3AyVEtpRU11NlNRV2xGSkRoeWZVVWw1WF9qbW9rYjlTNzJjLU9CTk9Nbmc?oc=5) · The Business Journals
- 2025-08-26 [Pinnacle Bank Arena gets a $10 million upgrade to boost fan experience - KLKN-TV](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSVZKWFlKeURDTnhOQkVBcUVEX1Q2UjV3UzRRdTlISzJEbkEyVm16ZWhhQ2xfdVdNTEZtNW1lMGlWMERLeW1hci1hN1VLYnhYeTJ5T1pnanA5dnN0dHN5TURhS184REREdWxaLVlnWVJvamdyWXpJRHNra1YtVGVXekdHcV9FLUMwZ2puSmRFRTRzTlpTVmVMOQ?oc=5) · KLKN-TV
- 2024-12-23 [Central Bank Forms Holding Company - Arkansas Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOUJSdlFYWkxZWmJtWkxGRUhHUU5JU1FGOEdoODM1QUtSU2FsbXdlSHJmQ0pJMG0wb1dSbUNYNk1FT2dSNEU0MHYwR21MSVViRVJyV2lBV3JPU0ZQVExjX2R0LUprN0lCLVN6OE5qMVNkekJwbksyWmktNWEydzcyTThR?oc=5) · Arkansas Business
- 2025-07-23 [Two in custody after chase ends at Joplin Pinnacle Bank - FourStatesHomepage.com](https://news.google.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?oc=5) · FourStatesHomepage.com
- 2023-10-19 [Pinnacle Bank Arena pinnacle profit - coliseum-online.com](https://news.google.com/rss/articles/CBMid0FVX3lxTFBmTnl2NDNxRFJxM2Zteld5NXgyMnBudmVmenlxMkdsS0x4WGxKblNBcFR0VFVSYi1MWDBLN0hSVXVraExibnZLRE9LSWNDOUl2dTFhbkxDSkw1elhBOE13WTBZUDI2Q2NZcHg4QnJJbWxxZXpqdGhR0gF8QVVfeXFMTUJMYy1sUzVTZUlBb1M0QnhKdWpEY3lqbDZxc2RtcVA0NGxDc095a05nUjBWeW81eXRfeHkzd1V0WlhvX3BiMkUtZDNCc2FJWjBUbHhDWGJZUmNjQnJoTVZNc2Z4TU9wd1NneXFtLUZjOG1mTmpKZUVXVFhqWA?oc=5) · coliseum-online.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11256 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "11256", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide