# PINNACLE BANK
JASPER, AL · FDIC certificate 29548 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $384.5M | |
| Deposits | $355.0M | |
| Loans and leases | $136.1M | |
| Total equity | $23.0M | |
| Loans / deposits | 37.77% (p3 of band) | 82.04% |
| Liquid assets / assets | 56.61% (p95 of band) | |
| Uninsured deposits / deposits | 48.00% (p94 of band) | 25.97% |
| Brokered deposits | 6.24% | |
| Wholesale funding | 7.53% (p68 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 11.30% (p60 of band) | 10.81% |
| Unrealized securities loss / equity | -135.36% (p0 of band) | -8.10% |
| AOCI / equity | -1.22% (p18 of band) | |
| ROA (annualized) | 1.15% (p42 of band) | 1.28% |
| Net interest margin | 3.55% (p31 of band) | 3.91% |
| Efficiency ratio | 59.58% (p45 of band) | |
| Noncurrent loans | 0.02% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 9580.95% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 42.54% (p49 of band) | |
| Auto loans | $2.0M (1.47% of loans; DQ 1.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | construction >100% equity |
| 2023-09 | 3 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | construction >100% equity |  |
| 2025-03 | 1 |  | construction >100% equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2026-06-16 [Experienced banking professional joins Pinnacle Financial Partners - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNdDFUQTRIZmxVQnJ3LW5Rc250aFZ2aTZaZFVrLU43Yk9wTzBkS1d5b3RfYWhqYWtHZ2VROTFQMUlnZzQ0TmdyU0dFSHhQMWJUU2NNVXM1UlNzYzhqM2o3Y3ZLM0h2cEgwdHZxVUtDX0N3akFrc2JLRVRtekdFRTVLSzlNUmpySUh5cVUxZllISFZJX21TdFNhLVREMTFxT040REpFYmhtVlRTYTFNNHp6b2JzYXZwR2xJVU15bFZFWm9FUQ?oc=5) · Pinnacle Financial Partners
- 2026-03-18 [Pinnacle Financial Partners Opens New Mobile Office - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMirgFBVV95cUxPME9TLUZ4dHR6Y2ktNnZtbW1zMVBOeXR3UzNsV3JZQl9jbmZkTHVqU2tWR25SWUJwbHYyMzMxS0hsUXNsQ3lPTkpSMHFobHpQSWV3YTJNQ1dPRkhvNF80YnBtX1BCOUEtQ1ZPQkI4c3h5TG9XVHliS0ttWDIyMUVObVZvVWhORFY0b3hPZzdid0w5RFd5SUJKUlhQLTJVQ3Fvb3A3RTFxTG1UT3hiX1E?oc=5) · Pinnacle Financial Partners
- 2026-04-07 [Pinnacle Financial Partners opens Fairhope office - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQaDh0UTJoUjlVUy1vdjNoZWpJdTIzZXJvUlRQcDc4Vl9oX2NOcVdWTDBnaE1VdFpkdFdTNExmSm4xUkdYdm9nbndQZWdXU2JNX1ItZ3RxSHQ0Z29QSHphSGswXy16cU4zSlFleHo1YjlDU0gwaTg3bWpnQW55RlZIWThLME1XUmlvTGQ5eGFxWmVyRWZZNTNLdW02QXp0XzM5RnRuVTRidmdaYUU?oc=5) · Pinnacle Financial Partners
- 2026-06-23 [Pinnacle Financial Partners names Shane White senior manager of residential construction lending - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNak80Y19sOFJNR2pqZ1ZMeDRxSWVfOC1FMzRIZ1Y4c0h0Sko1eWFBLXlOZ1J1Umx4YTJ4UExDZVMwaGdEUVpKbDdzTmZzeDJMdGh6YTY1a3BlNnRzYTdqSm9yWUZyR0t1S0xXajRrdE5ETzZBNkk5V1NkYTRFcWdfS0VmdHBLUE5OSU9KcktXeGpfVkFqQlpITHJkR0M5QjEtTXdaRS1BY0oxamMyOHVpT0pnTlZUdDJUZjg4SWpmM3hsS3RDM2t5bGJjb1VOOWpEVUlNMXl4ZUN4NTg1TlNpMFFZWDFCakVXb3c?oc=5) · Pinnacle Financial Partners
- 2026-06-29 [Pinnacle Financial Partners adds Kristen Strickland as Commercial Banker in Huntsville - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQOGFlZ0ZnNk9uQ1hTS3NRWFZQUnhHSF9MU3ZGX20tUlFjbGs3RTRnTEZoMHh4OEhYRDMyS210VXpXOUVoZ2FDU3JTblNxRzJJcW5XVVJvUDBoZ09jU3pCRVROMi02c3RZWjEtdWVaZXJHRE5kY01sNzREQnlpTklRYURUeWwtck1neDdzRlhhZlBXbWdYWm84TnZsT09ybTZSbEMyZ2g3Qm13TWljNnFOdEg0bklMZjFHVlU4S1BIWE1GWXlidFdlNWNDMHRKN0kxU0x0T2JRenl1ZnZv?oc=5) · Pinnacle Financial Partners
- 2025-10-17 [Pinnacle and Synovus Name Local Banking Leaders for Alabama Markets - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMipwFBVV95cUxOdTBuXzZRdU9TYjQ2dFlPTzV1emNZckdTNTJPMTRLdW5oNFZuWW9Nc0RkWDR6Vi0tRXl2NGtxcUVTN2JXdjNsSEZhYzdCWnU0TWRvdzlfQ0M4WWtvZzNrM2Y3QmZtMHpWRm1pNU5faERWc1dPcl9BaFZFUlctRnFJd19RSmxzd2hNQU83NGQtRjZ0cnhxYWlzWkhzampGZHZUVC1zeDNjaw?oc=5) · Pinnacle Financial Partners
- 2025-12-01 [Pinnacle Financial Partners Names Shawn Hicks Office Leader - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOTDlUd3pxRkV0ZEQxcHRwRXE5cXZRUTVsMmxiSHZ3NGhOVDhaQzRhYTA0VHdyLUhEa3RZQjA1a2dyclVfbkJyVnljVHJIOG5MM1NrSlFfSW1UbDhvQy1mMXdhRVdqbFdURXRwSUdqVVVLNzNtYkY1YXV6b2FHRGdHeW93M1RNb21kcVVRNVJJLTBucWNkRFhnZ3RRekY1UmhWX2RpX2ZVZmhXQVhjMnRTV2pSQXNqdnNW?oc=5) · Pinnacle Financial Partners
- 2025-10-28 [Pinnacle Financial Partners Expands Gulf Coast Team with Addition of Veteran Banker Luke Spaulding - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPZ0xKREE1dFA3Q29jTFd4amdMMGc2dEoxbFdLOEZBOGhrS1FrTGt6MF83T3lDdE9GT01tVm1EQ1dLLXpNYThqelcwcF85QUU2eDRSNElVMUJydmFTSEVLS1FsQnI1ZlFMb3FCdDRwS2tIWmN5YnpqaklZOHpCS3p2S09KOXU1WjlWYWZ4eV9pNHAwdHlxZVMxTUx1WmwtZ2c4SVFLSTJmTDZUNmd0N2IyQ1A1cFZPSVA4MUJ4MUp3RFZCUEdaY3kxMDNONEswdzR5X0VpM3VSaHlNSkZ4WkdvWW1uLUk3NldpWXNncA?oc=5) · Pinnacle Financial Partners

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29548 (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/44.json (key "29548", 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