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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 218st largest bank in the nation. It was established in 1880 and as of June of 2014, it had grown to 724 employees at 72 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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Data for Q2 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 June 30, 2014 Pinnacle Bank (NE) had $19.05 million in non-current loans and owned real-estate with $425.43 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (NE) a Texas Ratio of 4.48% 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 (NE) decreased dramatically from 7.47% as of June 30, 2013 to 4.48% as of June 30, 2014, resulting in a positive change of 40.02%.This indicates that the balance sheet and financial strength for Pinnacle Bank (NE) has improved dramatically in recent periods.

Deposit Growth


In the past year, Pinnacle Bank (NE) has increased its total deposits by $198.35 million, resulting in 6.35% 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 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 (NE) has $3.85 billion in assets with $425.43 million in equity, resulting in a capitalization level of 11.04%, which is excellent.

Institution Statistics

FDIC Certificate #10634
Year Established1880
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.85 billion
Loans$2.65 billion
Deposits$3.32 billion
Equity Capital$382.70 million
Loan Loss Allowance$42.73 million
Unbacked Noncurrent Loans$17.56 million
Real Estate Owned$1.49 million
Historic Data - June 2013
Assets$3.74 billion
Equity Capital$372.44 million
Loan Loss Allowance$42.08 million
Unbacked Noncurrent Loans$17.56 million
Real Estate Owned$3.97 million
Profit Margin - Quarterly
Return on Assets1.58%
Return on Equity16.24%
Interest Income$69.54 million
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Pinnacle Bank (NE) Savings Account Rates


Pinnacle Bank (NE) Money Market Rates

0.44%$250k-Money Market Savings

Pinnacle Bank (NE) Checking Account Rates

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

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