# PINNACLE BANK SIOUX CITY
SIOUX CITY, IA · FDIC certificate 18958 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $70.0M | |
| Deposits | $53.6M | |
| Loans and leases | $41.6M | |
| Total equity | $11.2M | |
| Loans / deposits | 76.11% (p49 of band) | 76.78% |
| Liquid assets / assets | 39.19% (p68 of band) | |
| Uninsured deposits / deposits | 12.24% (p36 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.38% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.33% (p88 of band) | 11.19% |
| Unrealized securities loss / equity | -3.98% (p35 of band) | -2.38% |
| AOCI / equity | -2.17% (p34 of band) | |
| ROA (annualized) | 1.12% (p58 of band) | 1.00% |
| Net interest margin | 3.07% (p15 of band) | 3.78% |
| Efficiency ratio | 64.89% (p37 of band) | |
| Noncurrent loans | 1.18% (p69 of band) | 0.57% |
| Net charge-offs (annualized) | -0.01% (p24 of band) | |
| Reserve coverage of noncurrent | 166.94% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 13.29% (p45 of band) | |
| Auto loans | $967,000 (2.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.2% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2015-12 | 2 | charge-offs p90 | noncurrent p90, deposits shrinking, assets shrinking |
| 2016-03 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent, charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | reserve under noncurrent | deposits shrinking |
| 2016-12 | 2 | noncurrent p90 | assets shrinking |
| 2017-03 | 3 | charge-offs p90, deposits shrinking, uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2017-06 | 3 | assets shrinking | charge-offs p90 |
| 2017-09 | 2 | uninsured deposits >50%, NIM <2.5% | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2017-12 | 2 | capital falling | uninsured deposits >50% |
| 2018-03 | 0 |  | NIM <2.5%, capital falling |
| 2018-06 | 0 |  |  |

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

- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18958 (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/14.json (key "18958", 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