Pinnacle Bank (FDIC #29548): Bank Stress & Real-Estate Credit Exposure

Pinnacle Bank (FDIC Cert #29548): bank stress 78/100, severe, STABLE over 7 days; parent PINNACLE BANCSHARES INC.

Pinnacle Bank (#29548) lends in 3 counties across 1 state; Pinnacle Bank (#29548) reaches 88 ZIP codes: Alabama 3 counties, 88 ZIPs.

Pinnacle Bank (#29548) largest markets: Jefferson County, AL (192 branches, 64 ZIPs) (#29548), Walker County, AL (57 branches, 19 ZIPs) (#29548), Winston County, AL (12 branches, 12 ZIPs) (#29548).

Pinnacle Bank (#29548) reports $384.5 million in total assets; Pinnacle Bank (#29548) equity $23.0 million (6.0% of Pinnacle Bank (#29548) assets); Pinnacle Bank (#29548) domestic deposits $355.0 million; Pinnacle Bank (#29548) net income $2.2 million; Pinnacle Bank (#29548) return on assets 1.15%; Pinnacle Bank (#29548) return on equity 19.64%; Pinnacle Bank (#29548) net interest income $6.1 million; Pinnacle Bank (#29548) call report June 30, 2026.

Pinnacle Bank (#29548) noncurrent real-estate loans: none reported; Pinnacle Bank (#29548) net charge-offs on real estate 0.00%.

Pinnacle Bank (#29548) net interest margin 3.55% against an eight-quarter Pinnacle Bank (#29548) average of 3.62% (Pinnacle Bank (#29548) compression 0.07 points); Pinnacle Bank (#29548) rate-exposure score 40/100, Pinnacle Bank (#29548) fixed-rate trap 40/100; Pinnacle Bank (#29548) risk type credit driven; Pinnacle Bank (#29548) rate regime rates elevated, Pinnacle Bank (#29548) snapshot October 20, 2026.

Pinnacle Bank (#29548) stress score moved from 76.8 on June 22, 2026 to 78.3 on October 20, 2026; Pinnacle Bank (#29548) ranged 76.8 to 78.3 over 117 snapshots.

Pinnacle Bank (#29548) alerts: 3 counties; top Pinnacle Bank (#29548) alert scores: Haleyville County, AL 27 (low); Sumiton County, AL 27 (low); Trussville County, AL 27 (low).