Pinnacle Bank: how it compares with its peers
Against 116 IA banks with half to twice its assets, Pinnacle Bank's strongest measure in Q2 2026 is efficiency ratio (43.40% vs. a 54.81% peer median). Its weakest relative measure is net interest margin (3.78% vs. 3.57%).
| Measure | Pinnacle Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.72% | 1.36% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.57% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.40% | 54.81% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $8.6M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.52% | 82.42% | Context |
What it means for lending operations
Its efficiency ratio of 43.40% is better than the 54.81% 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
- PCSB Bank Clarinda, IA · $326M
- First Trust and Savings Bank Wheatland, IA · $321M
- Savings Bank Primghar, IA · $305M
- Community Bank and Trust Company Muscatine, IA · $303M
- Community State Bank Spencer, IA · $346M
- Kerndt Brothers Savings Bank Lansing, IA · $347M
Questions about Pinnacle Bank
How big is Pinnacle Bank?
Pinnacle Bank, established in 1927, is headquartered in Marshalltown, IA. It reported $324M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Pinnacle Bank's return on assets?
1.72% annualized in Q2 2026, against a 1.36% median for 116 IA banks with half to twice its assets, ahead of 75% of them.
What is Pinnacle Bank's efficiency ratio?
43.40% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 54.81%, and lower is better.
Is Pinnacle Bank growing its loans?
Net loans grew 0.2% over the year to Q2 2026, while deposits grew 3.7%.
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 IA 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 Iowa bank ranked.