Pinnacle Bank: how it compares with its peers
Against 41 AL banks with half to twice its assets, Pinnacle Bank's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.55% vs. 4.18%).
| Measure | Pinnacle Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.12% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 4.18% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.58% | 62.09% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.4M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 37.77% | 72.48% | Context |
What it means for lending operations
Its efficiency ratio of 59.58% is better than the 62.09% 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
- The Exchange Bank of Alabama Altoona, AL · $393M
- Southern Independent Bank Opp, AL · $395M
- First National Bank Hamilton, AL · $373M
- Premier Bank of the South Cullman, AL · $371M
- First Citizens Bank Luverne, AL · $403M
- Marion Community Bank Marion, AL · $364M
Questions about Pinnacle Bank
How big is Pinnacle Bank?
Pinnacle Bank, established in 1935, is headquartered in Jasper, AL. It reported $385M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Pinnacle Bank's return on assets?
1.15% annualized in Q2 2026, against a 1.12% median for 41 AL banks with half to twice its assets, ahead of 54% of them.
What is Pinnacle Bank's efficiency ratio?
59.58% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 62.09%, and lower is better.
Is Pinnacle Bank growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits grew 7.2%.
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 AL 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 Alabama bank ranked.