Pinnacle Bank: Bank Stress & Real-Estate Credit Exposure

At 78/100, Pinnacle Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #29548. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

At the county level, Pinnacle Bank finances markets like Jefferson County, AL, Walker County, AL, Winston County, AL — the specific places where its credit posture translates into local lending capacity. Because Pinnacle Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 78/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Pinnacle Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Its footprint is compact and single-state: 88 ZIP codes in 3 counties over 1 states. It concentrates most in Alabama (3 counties). Pinnacle Bank is held under Pinnacle Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. The value is in the linkage: Pinnacle Bank's severe reading is mapped onto 88 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Read against its 3-county reach, a severe score sets the credit tone for every market on its map.

The acquisition angle is simple — lending capacity is what moves deals. As Pinnacle Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.