# PINNACLE BANK
SCOTTSDALE, AZ · FDIC certificate 58186 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 4 (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 | $269.2M | |
| Deposits | $241.6M | |
| Loans and leases | $193.3M | |
| Total equity | $26.9M | |
| Loans / deposits | 78.92% (p52 of band) | 77.79% |
| Liquid assets / assets | 27.36% (p44 of band) | |
| Uninsured deposits / deposits | 43.67% (p97 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.13% (p28 of band) | 11.56% |
| Unrealized securities loss / equity | 0.00% (p17 of band) | 0.80% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | 0.50% (p17 of band) | 1.05% |
| Net interest margin | 4.23% (p73 of band) | 3.84% |
| Efficiency ratio | 93.46% (p93 of band) | |
| Noncurrent loans | 1.10% (p69 of band) | 0.56% |
| Net charge-offs (annualized) | 0.22% (p90 of band) | |
| Reserve coverage of noncurrent | 122.90% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 103.37% (p96 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 23.6% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 3 | capital falling, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 1 | loans exceed deposits | capital falling, reserve under noncurrent |
| 2013-03 | 0 |  | loans exceed deposits |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | capital falling, construction >100% equity |  |
| 2013-12 | 0 |  | capital falling, construction >100% equity |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, construction >100% equity |  |
| 2014-09 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2014-12 | 3 |  | liquid assets <10% |
| 2015-03 | 2 |  | loans exceed deposits |
| 2015-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 3 | loans exceed deposits |  |
| 2016-03 | 2 | charge-offs p90 | capital falling, loans exceed deposits |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 0 |  | construction >100% equity, charge-offs p90, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | loans exceed deposits, liquid assets <10%, deposits shrinking |  |
| 2018-03 | 2 | charge-offs p90 | liquid assets <10%, deposits shrinking |
| 2018-06 | 1 |  | loans exceed deposits |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | reserve under noncurrent |  |
| 2019-09 | 4 | expense ratio p90, construction >100% equity | reserve under noncurrent |

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

- 2026-08-27 [Most Influential Women in Arizona from 2012-2025 - AZ Big Media](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWTJrRW9ILXNwb1Z4OE00TXVEQ0VYZ3dHbjBUSV9kS0xReFlBV3FaMjBzWEZ6ek9MeG5TTFlOODRqdmhYcXVIRlFCbzJmTkJ3SThsNGVPYTJmOGhWVFhrbGNqaWJPMXBTR1dWZUtYWHBoVmVxOHBUUm5kWnNQcVo1VG5Kd202SG4x?oc=5) · AZ Big Media
- 2026-04-14 [Richard 'Rick' C. Tamburino Obituary - The Arizona Republic - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMiXEFVX3lxTFAwNmFmZXkxWEZYWDdDeVJyZExRRnB6R0ppREFmNV9SUDRoYWt1bS1fQTA5R3hYMnBFaTJSWEhvSU9UWnZ5WC1nc194b1pnY0c4MGNwTFUwUnRjVzYw?oc=5) · azcentral.com and The Arizona Republic
- 2022-05-31 [Abdul Kahsai Joins Pinnacle's Growing Restaurant and Franchise Team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYXRkQVB3WmU0SGFGN2ZlWGRVSkJGX2E4and5QnFRbURfUlFHNXlJbzhDRkxrdUxxRmtoY1AtbHZNZWdjQjkxZVBEcDQ1QUJCOTR6UjFveUxnNWZ6a2pPb1Zhak9Zemhia2dmSTZtTmJDblRfSGpGSjVjUkRqbUt6blVKQjRNZzh0enNULXF1TTNUMzBmM0lEd0ljRFlxVDNoN0xvSHdB?oc=5) · Pinnacle Financial Partners
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-08-06 [Family-Owned Pinnacle Banks Focus on Their Communities - Flagstaff Business News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQTVR2cnpoTXlMNm05dGF2SVlLSklfMTJRMWkwbGo3dWZrSW0yYk9xZ1oySmZkWjdGRjRuWWdEYnRSbDlBT3dUSFAzU2N4a3BVNVU5aGhmaFMzdUZ4T1U1eTdNanBSMVdXRnA3d3hta21aTms1T2xQUTVDaGc1MDVLeV9laWo5WlM2Y19MaE5hS3ZlSzhBYlFLSg?oc=5) · Flagstaff Business News
- 2019-12-01 [Arizona Federal Credit Union completes purchase of Pinnacle Bank - PRWeb](https://news.google.com/rss/articles/CBMirwFBVV95cUxQRW9abER1ajRtRTZwSS00VV9TNFRpeTdLbjJuSmZ4QmxwRnZ2MVN6SV85SE1zR1RnWUhxWFVOU2h3TzAyRkhKTFlDX1N6M0h5dnJBcFhnRHp5NFdMT1JTZFk5ZDl3Ym5NMlc2ZWZabEZqaUhBUGxWT1k1UXFSUnZlRS1MQTRGQjJkWVB2VmJHUnVOcnVlYmJYSUlOMjFBLUdydmVYZ252UjJQUm5UZlNj?oc=5) · PRWeb
- 2024-12-18 [Christine Macias – Arizona Financial Credit Union - Blueprint Magazine](https://news.google.com/rss/articles/CBMijAFBVV95cUxNU1lwZUdrQl8tMV84X2xnTnE2T01BVUZXdjNIMkFkX1puOVd1Y2c0LUxuWGV3N0hGWmh3SGY4SkJoNnpjbXFRNWhoa1prU0dpQlF1b29BTUlmc25Ydm9JY3FUOEI1Q1V1LUhFeWRCU0liQThDNm8wU1hwaC1wMW94OHFIeGNVckw1VzhCUw?oc=5) · Blueprint Magazine
- 2026-04-08 [Pinnacle Bank Merges with Morris Bank to Become Vallant Bank - 92.1 WLHR](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTkZtWVVHNXppeXRpMS1iYTJGZUZHa0NKalpGNnFSTFJDX25hWE5Wd0FrdDcyOWk2VDItWHZBa09jVndpT3hXaEQ3dUdKOVE5SFRGU2xZWUFudFp0d3FuaVpDdF84dGV5T25OUVRmTmxkVGpyMmZCT242UnRvb05waThzekMwZkxp?oc=5) · 92.1 WLHR

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58186 (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/10.json (key "58186", 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