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

Pinnacle Bank (AZ) is headquartered in Scottsdale and is the 15st largest bank in the state of Arizona. It is also the 4,539th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 28 employees at 2 locations. Pinnacle Bank (AZ) has a A+ health rating.

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Data for Q4 2013

Institution Health


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, 2013 Pinnacle Bank (AZ) had $1.03 million in non-current loans and owned real-estate with $19.77 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (AZ) a Texas Ratio of 5.24% 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 slightly from 7.45% as of December 31, 2012 to 5.24% as of December 31, 2013, resulting in a positive change of 29.75%.This indicates that the balance sheet and financial strength for Pinnacle Bank (AZ) has improved slightly in recent periods.

Deposit Growth


In the past year, Pinnacle Bank (AZ) has increased its total deposits by $8.81 million, resulting in 10.9% 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 $108.5 million in assets with $19.77 million in equity, resulting in a capitalization level of 18.22%, which is excellent.

Institution Statistics

FDIC Certificate #58186
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$108.50 million
Loans$87.20 million
Deposits$89.64 million
Equity Capital$18.36 million
Loan Loss Allowance$1.40 million
Unbacked Noncurrent Loans$1.04 million
Real Estate Owned$0
Historic Data - December 2012
Assets$98.28 million
Equity Capital$16.85 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$1.04 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.77%
Return on Assets1.27%
Return on Equity7.54%
Interest Income$4.20 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