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14287 North 87th Street, Suite 123
Scottsdale, AZ 85260

Pinnacle Bank (AZ) is headquartered in Scottsdale and is the 13st largest bank in the state of Arizona. It is also the 4,419st largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 31 employees at 2 locations. Pinnacle Bank (AZ) has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pinnacle Bank (AZ) had $749,000 in non-current loans and owned real-estate with $20.14 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (AZ) a Texas Ratio of 3.72% 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 (AZ) decreased dramatically from 7.15% as of March 31, 2013 to 3.72% as of March 31, 2014, resulting in a positive change of 48.00%.This indicates that the balance sheet and financial strength for Pinnacle Bank (AZ) has improved dramatically in recent periods.

Deposit Growth


In the past year, Pinnacle Bank (AZ) has increased its total deposits by $16.21 million, resulting in 20.58% 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 (AZ) has shown is excellent.



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 (AZ) has $114.03 million in assets with $20.14 million in equity, resulting in a capitalization level of 17.66%, which is excellent.

Institution Statistics

FDIC Certificate #58186
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$114.03 million
Loans$91.15 million
Deposits$94.97 million
Equity Capital$18.69 million
Loan Loss Allowance$1.45 million
Unbacked Noncurrent Loans$749,000
Real Estate Owned$0
Historic Data - March 2013
Assets$96.13 million
Equity Capital$17.23 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$749,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.51%
Return on Assets0.89%
Return on Equity5.35%
Interest Income$1.31 million

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Pinnacle Bank (AZ) Savings Account Rates

0.30%$50k-Personal Platinum Savings
0.20%$500-Personal Savings

Pinnacle Bank (AZ) Money Market Rates

0.25%--Money Market

Pinnacle Bank (AZ) Checking Account Rates

0.40%$100k-Platinum Checking
0.15%$1k-Interest Checking

Pinnacle Bank (AZ) CD Rates

1.30%$1k-5 Year CD
1.10%$1k-4 Year CD
1.00%$1k-3 Year CD
0.80%$1k-2 Year CD
0.65%$1k-18 Month CD
0.60%$1k-1 Year CD
0.40%$1k-180 Day CD

Pinnacle Bank (AZ) IRA Rates

1.30%$1k-5 Year IRA CD
1.10%$1k-4 Year IRA CD
1.00%$1k-3 Year IRA CD
0.80%$1k-2 Year IRA CD
0.65%$1k-18 Month IRA CD
0.60%$1k-1 Year IRA CD

Pinnacle Bank (AZ) Locations
Pinnacle Bank14287 North 87th Street, Suite 123Scottsdale, AZ 85260
Camelback Branch2200 E Camelback Rd Suite 108Phoenix, AZ 85016