Pinnacle Bank, Inc.: how it compares with its peers
Against 14 KY banks with half to twice its assets, Pinnacle Bank, Inc.'s strongest measure in Q2 2026 is net interest margin (4.26% vs. a 4.17% peer median). Its weakest relative measure is assets per employee ($2.8M vs. $4.5M).
| Measure | Pinnacle Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.43% | 0.73% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 4.17% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.62% | 76.44% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.8M | $4.5M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.42% | 83.70% | Context |
What it means for lending operations
Its efficiency ratio of 75.62% is better than the 76.44% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Blue Grass Federal Savings and Loan Association Paris, KY · $59M
- Farmers & Traders Bank of Campton Campton, KY · $67M
- Farmers State Bank Booneville, KY · $69M
- Clinton Bank Clinton, KY · $70M
- Cornerstone Community Bank Owensboro, KY · $44M
- Security Bank and Trust Co. Maysville, KY · $72M
Questions about Pinnacle Bank, Inc.
How big is Pinnacle Bank, Inc.?
Pinnacle Bank, Inc., established in 1976, is headquartered in Pikeville, KY. It reported $58M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Pinnacle Bank, Inc.'s return on assets?
0.43% annualized in Q2 2026, against a 0.73% median for 14 KY banks with half to twice its assets, ahead of 21% of them.
What is Pinnacle Bank, Inc.'s efficiency ratio?
75.62% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 76.44%, and lower is better.
Is Pinnacle Bank, Inc. growing its loans?
Net loans grew 8.0% over the year to Q2 2026, while deposits grew 6.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.