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402-434-3127
1401 N Street
Lincoln, NE 68508

Pinnacle Bank (NE) is headquartered in Lincoln and is the 4th largest bank in the state of Nebraska. It is also the 210st largest bank in the nation. It was established in 1880 and as of December of 2013, it had grown to 719 employees at 71 locations. Pinnacle Bank (NE) has a A health rating.

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Easy $100 Checking Bonus at Pinnacle Bank - NE, KS, MO, WY & CO Only - 12/3/2013

Pinnacle Bank is again offering a $100 bonus for opening its PinnCheck Free checking account online. If you missed the one in March, this is another chance. Like the previous promotions, the bonus doe ...



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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 (NE) had $23.92 million in non-current loans and owned real-estate with $408.53 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (NE) a Texas Ratio of 5.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Pinnacle Bank (NE) decreased slightly from 6.67% as of December 31, 2012 to 5.86% as of December 31, 2013, resulting in a positive change of 12.17%.This indicates that the balance sheet and financial strength for Pinnacle Bank (NE) has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Pinnacle Bank (NE) has increased its total deposits by $85.62 million, resulting in 2.69% 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 (NE) has shown is above average.

Capitalization

GRADE:
B+

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 (NE) has $3.87 billion in assets with $408.53 million in equity, resulting in a capitalization level of 10.56%, which is above average.

Institution Statistics

Overall
FDIC Certificate #10634
Year Established1880
Employees719
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.87 billion
Loans$2.65 billion
Deposits$3.27 billion
Equity Capital$366.98 million
Loan Loss Allowance$41.56 million
Unbacked Noncurrent Loans$20.81 million
Real Estate Owned$3.12 million
Historic Data - December 2012
Assets$3.76 billion
Equity Capital$372.83 million
Loan Loss Allowance$40.63 million
Unbacked Noncurrent Loans$20.81 million
Real Estate Owned$4.45 million
Profit Margin - Quarterly
Net Interest Margin3.51%
Return on Assets1.64%
Return on Equity16.63%
Interest Income$139.44 million
Rates
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Pinnacle Bank (NE) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.14%--PinnSavings

Pinnacle Bank (NE) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.44%$250k-Money Market Savings

Pinnacle Bank (NE) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.21%$1m-Relationship Account
0.20%$1m-Interest Checking Account
Locations

Pinnacle Bank (NE) has 71 locations. Click to view all Pinnacle Bank (NE) locations.