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Pinnacle Bank, Inc.
Pikeville, KY · FDIC Certificate #22355 · Chartered 10/2
Total assets
$57.89M
Total deposits
$46.85M
Total equity
$9.86M
Net loans
$36.74M
Branches (offices)
3
Net income (YTD)
$125.00K
Rank: #3,979 of 4,213 U.S. banks by assets · #114 of 120 in Kentucky. Assets changed 4.0% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 2.55% |
| Net interest margin (YTD) | 4.26% |
| Equity to assets | 17.04% |
| Tier 1 leverage ratio | 15.67% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 1.74% |
| Net charge-offs (share of loans) | 0.97% |
| Loans to deposits | 78.4% |
| Real estate loans (share of loans) | 76.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.93M | 76.0% | |
| Commercial & industrial | $4.97M | 13.5% | |
| Consumer / individual | $3.50M | 9.5% | |
| Construction & development | $2.05M | 5.6% | |
| Agricultural | $28.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $52.58M | $42.99M | $241.00K | $8.51M |
| Jun 2023 | $52.56M | $39.89M | $270.00K | $8.77M |
| Jun 2024 | $53.94M | $40.76M | $244.00K | $9.20M |
| Jun 2025 | $55.64M | $43.94M | $268.00K | $9.71M |
| Jun 2026 | $57.89M | $46.85M | $125.00K | $9.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $46.85M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $46.85M.
Similar-sized banks
First Financial Bank In Winnebago ($58.15M) · The City State Bank ($57.65M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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