Pinnacle Bank

1401 N Street
Lincoln, NE 68508
402-434-3127
www.pinnbank.com

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Pinnacle Bank is headquartered in Lincoln and is the 4^th largest bank in the state of Nebraska. It is also the 233^rd largest bank in the nation. It was established in 1880 and as of December of 2011, it had grown to 641 employees at 60 locations. Pinnacle Bank has a 5-star health rating.

Update on the BankOn Online Savings Account and Bonus - CO, KS, MO, NE & WY Only - 2/25/2011

BankOn is one of the rare internet banks that's limited to only certain states. My first review of BankOn was in October 2009 when the savings account was paying 2.05%. The yield held up well until la ...

3.00% 3-Year CD & Other Competitive CD Rates Continue at Pinnacle Bank in Florida - Local Only - 12/21/2009

Pinnacle Bank continues to offer competitive rates on its mid-term and long-term bump-up CDs. The rates are the same as they were in September. These include:2.50% APY 2-year3.00% APY 3-year3.25% APY 4-year3.50% APY 5-yearThe above rates are no longer...

2.50% 2-Year CD & Other Competitive CD Rates Continue at Pinnacle Bank in Florida - Local Only - 9/30/2009

Pinnacle Bank continues to offer competitive rates on its mid-term and long-term bump-up CDs. The rates are the same as they were in early August. These include:2.50% APY 2-year3.00% APY 3-year3.25% APY 4-year3.50% APY 5-yearThe above rates are listed at...

2.50% 2-Year CD & 3.25% 4-Year CD at Pinnacle Bank in Florida - Local Only - 8/10/2009

Pinnacle Bank is offering competitive rates on its mid-term and long-term bump-up CDs. The rates include:2.50% APY 2-year3.00% APY 3-year3.25% APY 4-year3.50% APY 5-yearThe above rates are listed at the bank's home page as of 8/10/09. Minimum deposit is...

2008

8/5 - 4.35% 12-Month / 4.10% 7-Month CD at a Florida Bank (Pinnacle)

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See Rates for: Checking | Savings | Money Market

Pinnacle Bank Checking Account Rates

Apy	Min	Max	Product
0.42%	-	-	PinnCheck Investment
0.17%	$2,500	-	PinnCheck Interest
0.17%	$2,500	-	PinnCheck Advantage

Pinnacle Bank Savings Account Rates

	Apy	Min	Max	Product
	0.17%	-	-	PinnSavings

Pinnacle Bank Money Market Rates

	Apy	Min	Max	Product
	0.60%	$250k	-	Money Market Savings

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Pinnacle Bank
FDIC Certificate #	10634
BankRate Report	View
Year Established	1880
Employees	641
Primary Regulator	FDIC
Assets and Liabilities
Assets	$3.17 billion
Loans	$2.09 billion
Deposits	$2.71 billion
Equity Capital	$322.78 million
Loan Loss Allowance	$40.41 million
Unbacked Noncurrent Loans	$23.26 million
Real Estate Owned	$5.55 million
Historic Data - December 2010
Assets	$2.95 billion
Equity Capital	$273.37 million
Loan Loss Allowance	$35.95 million
Unbacked Noncurrent Loans	$29.00 million
Real Estate Owned	$9.14 million
Profit Margin - Quarterly
Net Interest Margin	3.99%
Return on Assets	1.88%
Return on Equity	19.07%
Interest Income	$137.41 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Pinnacle Bank had $28.81 million in non-current loans and owned real-estate with $363.19 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank a Texas Ratio of 7.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Pinnacle Bank decreased slightly from 12.27% as of December 31, 2010 to 7.93% as of December 31, 2011, resulting in a positive change of 35.37%.This indicates that the balance sheet and financial strength for Pinnacle Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Pinnacle Bank has increased its total deposits by $202.5 million, resulting in 8.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pinnacle Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pinnacle Bank has $3.17 billion in assets with $363.19 million in equity, resulting in a capitalization level of 11.45%, which is above average.