# PINNACLE BANK
MARSHALLTOWN, IA · FDIC certificate 252 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $324.4M | |
| Deposits | $268.2M | |
| Loans and leases | $210.1M | |
| Total equity | $42.4M | |
| Loans / deposits | 77.52% (p40 of band) | 82.04% |
| Liquid assets / assets | 28.91% (p61 of band) | |
| Uninsured deposits / deposits | 38.11% (p85 of band) | 25.97% |
| Brokered deposits | 13.17% | |
| Wholesale funding | 16.83% (p89 of band) | |
| FHLB advances / assets | 3.08% | |
| Tier 1 leverage | 14.66% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -24.55% (p17 of band) | -8.10% |
| AOCI / equity | 0.43% (p91 of band) | |
| ROA (annualized) | 1.72% (p76 of band) | 1.28% |
| Net interest margin | 3.78% (p42 of band) | 3.91% |
| Efficiency ratio | 43.40% (p8 of band) | |
| Noncurrent loans | 0.75% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.16% (p89 of band) | |
| Reserve coverage of noncurrent | 137.16% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 127.47% (p94 of band) | |
| Auto loans | $686,000 (0.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 | uninsured deposits >50% | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2013-12 | 5 | leverage <7% |  |
| 2014-03 | 2 |  | capital falling, AOCI drag >20% of equity, leverage <7% |
| 2014-06 | 1 |  | securities losses >30% of equity |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | reserve under noncurrent |  |
| 2015-06 | 1 |  | reserve under noncurrent |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | deposits shrinking |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | deposits shrinking |  |
| 2019-12 | 2 | construction >100% equity | deposits shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | construction >100% equity |
| 2020-12 | 1 | uninsured deposits leaving | uninsured deposits >50% |
| 2021-03 | 2 | uninsured deposits >50%, reserve under noncurrent | uninsured deposits leaving |
| 2021-06 | 3 | construction >100% equity |  |
| 2021-09 | 4 | capital falling |  |
| 2021-12 | 5 | noncurrent p90 |  |
| 2022-03 | 3 | charge-offs p90 | construction >100% equity, capital falling, noncurrent p90 |
| 2022-06 | 6 | AOCI drag >20% of equity, noncurrent p90, construction >100% equity |  |
| 2022-09 | 7 | securities losses >30% of equity |  |
| 2022-12 | 7 | brokered >10%, wholesale funding >15% | uninsured deposits >50%, noncurrent p90 |
| 2023-03 | 2 |  | reserve under noncurrent, charge-offs p90, AOCI drag >20% of equity, securities losses >30% of equity, wholesale funding >15% |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 4 | wholesale funding >15%, securities losses >30% of equity | capital falling |
| 2023-12 | 6 | noncurrent p90, charge-offs p90, reserve under noncurrent | securities losses >30% of equity |
| 2024-03 | 6 | uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 6 | securities losses >30% of equity, deposits shrinking | noncurrent p90, uninsured deposits leaving |
| 2024-09 | 4 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 7 | securities losses >30% of equity, charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2025-03 | 6 | noncurrent p90, reserve under noncurrent | charge-offs p90, deposits shrinking, assets shrinking |
| 2025-06 | 5 |  | noncurrent p90 |
| 2025-09 | 4 | noncurrent p90 | wholesale funding >15%, securities losses >30% of equity |
| 2025-12 | 3 |  | noncurrent p90 |
| 2026-03 | 4 | charge-offs p90 |  |
| 2026-06 | 3 | wholesale funding >15% | reserve under noncurrent, charge-offs p90 |

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

- 2026-08-09 [Blind golfer putting for charity at Pinnacle Bank Championship in Elkhorn - WOWT](https://news.google.com/rss/articles/CBMinAFBVV95cUxPaEhQYnhvT1VnMEpHNmk1X19rcTIyd0h5ZThUdTRRZUIxUDJJTGlULVNKYlBoSTVHc0F5c3pYQVJrb0tGLXV3MnpzQUMyTEw1TENkZVZnOHd4WlRXMTM0aS1PWlF5bEIxam9SMkJpZWNpS1QxU0RSclRhOUw1QmNpeVB6WHBCRFdYNlhLeHByWXlHaVNRaTlibG1QeWfSAbABQVVfeXFMUGtod0x6eVQyRzI1X3RYUGVRNWZ6QTFNaUFtUG9uTDlQSVJDT2RnLUFBbXMtUEtJSGhyWDQ1ejFuOVdfS1lXZHhsYk5fMjlRVnFGNy1ZMFhyT0xtUGpJVlF4aFZjWmpXRklNUXVMWTRiTTFGTWh3ZGtOOFU3YlFGZzZUZUJ6RDBDQ0VlTTN5MWRrUFVhX21rOV94V0drNDlDMS1USUVDTk5xNHRCNGsyYUE?oc=5) · WOWT
- 2026-07-29 [Nebraska athletics delays Pinnacle Bank Arena men's basketball reseat - Omaha World-Herald](https://news.google.com/rss/articles/CBMinwFBVV95cUxNekVJNXM0SDVVcTRiN2hrMDJYRHdNRFV3TEVub2EyY3pfenlKWWZqOVAzbkFSTG9mNnlEM0IzN3Ixb3VUdUM5V0h1VHlhZXFGdkw3eDdUdERuWktKR0VqUGtaTDIzdTJ3a09mWkJHaFowRzdlUk9TLUc5UFMxNndVdFB1RkwwckltZ04wOUx6alM4UEpKN0ZURDZ3Qko2dmM?oc=5) · Omaha World-Herald
- 2026-03-13 [Nebrasketball madness - Nebraska Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBrelFhdFFuRS1jdjhmOHliNzVUTVd5UENoOXZ3bVotbzVyRHp6T2FPX2NLd0VvaW84U08wdGRxSXdLenJVWXJzTC1WdWtVdHJsMWJRZ0FZZ2NmdGFfTHUw?oc=5) · Nebraska Today
- 2026-03-08 [Officials seeking refund of tariff paid on new $5M Pinnacle Bank Arena scoreboard - Lincoln Journal Star](https://news.google.com/rss/articles/CBMipwFBVV95cUxPQk9iRkpUZ3dMZ1NSd3M2ZFp2OEdaVEZFemxwdy10YmVINUlDRkpONzFENDZHRW5KVXpQaGhJcFZlN1hmQTktVFBtX01zeUNNRnA0dUVyUFU1bTFmekNiTTB5eS0yUGVqN1BZMkFGTnRxeE9HaUJtUDRINWZIdVNWS0lWeW5GLTh3OG5iX3pUdEE4a1FJVUtTQnBCVFVIZ0ZPQWV5UVFhZw?oc=5) · Lincoln Journal Star
- 2026-03-25 [GALLERY: Nebraska vs. Iowa Men's Basketball 2025-2026 Season Matchups - The Daily Nebraskan](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQRVpwWTk1dTFLVHBiX0c5dndLN0J5SXhtRzRXV1NpbnB5cUpRaEhlWjAwUkxmNnlzNkozSGM1ek4wSGNWWEdra2dkeWdOaGdfM0VEQjB3TklxdUZUVmgtbmowRXZudk1ZN2NEVHZmWjRuTWxBVTlYVDJHQi05NEcxdWFVT3F2bWctU0IwRGhNVmFBaVpiMXAwcHpNV3RRaFlUSHFTa0pnU0pIQVVUT2RiS2xGRlVxLUNxTktZeFgyOXJEWERSM1VqdjJHYUUzOEFBZW1JRWl1cFhOVWR2VmZiaTNXN0dWMmY3WjRNaTJSMA?oc=5) · The Daily Nebraskan
- 2026-03-08 [Photos: No.9 Nebraska defeats Iowa 84-75 - The Daily Iowan](https://news.google.com/rss/articles/CBMif0FVX3lxTFBkS1BUQmNwSF85MzBZei1RdGs4OGoyMGFlT3VOeHlOQzJqSTRMQUdkN0cyUV9WT3J2NldjN1JZSmFxV25zUlY3WUNWYk5DSnU2VGRfeEd2Z3Q2SGdEUEttYWd4MWtRVm9WZFQ4QUNSWnBHeC11UEtOcVcwRzA3V1U?oc=5) · The Daily Iowan
- 2026-03-24 [The 3 Things Nebraska Must Do to Defeat Iowa - Sports Illustrated](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYkRZXzREelBaWjlmcXk1Y0Y2UDFPaDAtMkR2b0ptcjl0aTZxengtT2dqYjdmRV82b0tSdE9oZkYzd3RmbFc0TG01UklQaEhtM05aZ3ZYdl83LW1SR3JzbGdGYk5RaVJpYktkWjU1Z3dGQzkyX2F3d1NyTGRfeWZUWjZMWThkTURub2xCSTM0UTZENVhmY0E?oc=5) · Sports Illustrated
- 2026-05-18 [What to Know for Journey: Final Frontier Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE55bVdKcGNVcFc2WnJSQVV3YU9wU0dMQy1mTkhTeURaWmh5LURCVG5PcnJpSEVHZlR6RTNSWmhkVmtOWEd5X1d0c293V1Y3aGxTN3RxNjBfNTJRUQ?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=252 (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/60.json (key "252", 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.

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