$313M
+3.1%y/y
Percentile by value4th percentileby value
FDIC
ASSETPB
Pinnacle Bank
Marshalltown, IowaFDIC Cert #252
STATEEstablished 19271 branch
Holding company: IOWA RIVER BCORP INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportPinnacle Bank reported $313M in total assets. Deposits grew 3.69% over the prior year.
Return on assets was 1.63%, compared with an asset-peer median of 1.22%. The leverage ratio was 14.68%.
- Why is Total Assets below asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$269M
+3.7%y/y
Percentile by value6th percentileby value
FDIC
DEP$210M
+1.6%y/y
Percentile by value13th percentileby value
FDIC
LNLSNET1.63%
+36 bpsy/y
Peer standing74th percentile
FDIC
NETINC + ROA45.01%
−773 bpsy/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR14.68%
+62 bpsy/y
Peer standing89th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $261M | $210M |
| Q3 2021 | $270M | $216M |
| Q4 2021 | $261M | $206M |
| Q1 2022 | $282M | $230M |
| Q2 2022 | $263M | $216M |
| Q3 2022 | $258M | $216M |
| Q4 2022 | $285M | $234M |
| Q1 2023 | $311M | $270M |
| Q2 2023 | $312M | $270M |
| Q3 2023 | $301M | $259M |
| Q4 2023 | $307M | $262M |
| Q1 2024 | $305M | $260M |
| Q2 2024 | $297M | $254M |
| Q3 2024 | $301M | $254M |
| Q4 2024 | $291M | $246M |
| Q1 2025 | $304M | $259M |
| Q2 2025 | $299M | $259M |
| Q3 2025 | $315M | $272M |
| Q4 2025 | $307M | $263M |
| Q1 2026 | $313M | $269M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $64.2M |
| Investor CRE | $16.5M |
| Multifamily | $15M |
| Construction | $54.5M |
| 1–4 family | $26.1M |
| C&I | $27.1M |
| Agriculture | $4.95M |
| Other | $3.38M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.63%74th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE12.71%54th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.60%36th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.01%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+3.69%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+1.64%27th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.98%12th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ14.68%89th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.22%63rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC182%54th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.63%74th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.75%Median 1.31%90th 2.02%Observations 230
ROE
FDIC
NETINC + ROE12.71%56th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.47%Median 12.42%90th 19.31%Observations 230
NIM
FDIC
NIM + NIMY3.60%54th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.79%Median 3.56%90th 4.19%Observations 230
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.01%86th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.98%Median 57.23%90th 74.51%Observations 230
Deposits YoY
FDIC
DEP+3.69%58th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.59%Median +2.91%90th +9.45%Observations 229
Loans YoY
FDIC
LNLSNET+1.64%34th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.21%Median +4.38%90th +12.18%Observations 228
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.98%9th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.94%Observations 228
Leverage
FDIC
RBC1AAJ14.68%86th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.92%Median 10.85%90th 15.49%Observations 230
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.22%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.68%Median 2.46%90th 3.29%Observations 229
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC182%72nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 88%90th 275%Observations 119
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.63%73rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.81%Median 1.38%90th 2.03%Observations 72
ROE
FDIC
NETINC + ROE12.71%48th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.68%Median 12.80%90th 21.94%Observations 72
NIM
FDIC
NIM + NIMY3.60%49th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.87%Median 3.61%90th 4.10%Observations 72
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.01%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.37%Median 56.38%90th 69.86%Observations 72
Deposits YoY
FDIC
DEP+3.69%49th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.76%Median +3.81%90th +9.33%Observations 72
Loans YoY
FDIC
LNLSNET+1.64%28th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.25%Median +4.40%90th +12.73%Observations 72
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.98%7th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.53%90th 1.64%Observations 72
Leverage
FDIC
RBC1AAJ14.68%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.89%Median 10.33%90th 13.32%Observations 72
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.22%76th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.63%90th 3.38%Observations 72
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC182%69th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 109%90th 344%Observations 46
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Marshalltown, IA
FDIC
OFFDOMOpen the Iowa dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data