Pinnacle Bank Wyoming (FDIC #2232): Bank Stress & Real-Estate Credit Exposure
Pinnacle Bank Wyoming (FDIC Cert #2232): bank stress 58/100, moderate, STABLE over 7 days; parent PINNACLE BCORP INC.
Pinnacle Bank Wyoming (#2232) lends in 10 counties across 2 states; Pinnacle Bank Wyoming (#2232) reaches 75 ZIP codes: Wyoming 9 counties, 66 ZIPs; Nebraska 1 county, 9 ZIPs.
Pinnacle Bank Wyoming (#2232) largest markets: Laramie County, WY (26 branches, 13 ZIPs) (#2232), Goshen County, WY (36 branches, 12 ZIPs) (#2232), Albany County, WY (12 branches, 12 ZIPs) (#2232), Crook County, WY (10 branches, 10 ZIPs) (#2232), Scotts Bluff County, NE (9 branches, 9 ZIPs) (#2232), Park County, WY (16 branches, 8 ZIPs) (#2232).
Pinnacle Bank Wyoming (#2232) reports $1.30 billion in total assets; Pinnacle Bank Wyoming (#2232) equity $126.8 million (9.8% of Pinnacle Bank Wyoming (#2232) assets); Pinnacle Bank Wyoming (#2232) domestic deposits $1.16 billion; Pinnacle Bank Wyoming (#2232) net income $10.9 million; Pinnacle Bank Wyoming (#2232) return on assets 1.67%; Pinnacle Bank Wyoming (#2232) return on equity 17.49%; Pinnacle Bank Wyoming (#2232) net interest income $25.0 million; Pinnacle Bank Wyoming (#2232) call report June 30, 2026.
Pinnacle Bank Wyoming (#2232) noncurrent real-estate loans: none reported; Pinnacle Bank Wyoming (#2232) net charge-offs on real estate 0.09%.
Pinnacle Bank Wyoming (#2232) net interest margin 3.99% against an eight-quarter Pinnacle Bank Wyoming (#2232) average of 3.33% (Pinnacle Bank Wyoming (#2232) compression -0.66 points); Pinnacle Bank Wyoming (#2232) non-residential real estate 0.1% of equity; Pinnacle Bank Wyoming (#2232) rate-exposure score 40/100, Pinnacle Bank Wyoming (#2232) fixed-rate trap 40/100; Pinnacle Bank Wyoming (#2232) risk type credit driven; Pinnacle Bank Wyoming (#2232) rate regime rates elevated, Pinnacle Bank Wyoming (#2232) snapshot October 19, 2026.
Pinnacle Bank Wyoming (#2232) stress score moved from 58.4 on June 22, 2026 to 58 on October 20, 2026; Pinnacle Bank Wyoming (#2232) ranged 58 to 58.4 over 117 snapshots.
Pinnacle Bank Wyoming (#2232) alerts: 10 counties; top Pinnacle Bank Wyoming (#2232) alert scores: Laramie County, WY 34 (low); Cheyenne County, WY 22 (low); Gillette County, WY 22 (low); Mitchell County, WY 22 (low); Moorcroft County, WY 22 (low).