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Overview / Commentary
884 Elbert Street
Elberton, GA 30635

Pinnacle Bank (GA) is headquartered in Elberton and is the 15th largest bank in the state of Georgia. It is also the 874th largest bank in the nation. It was established in 1934 and as of December of 2017, it had grown to 228 employees at 15 locations. Pinnacle Bank (GA) has an A health rating.

Reviews (1)

Pinnacle is The Best!

I absolutely LOVE Pinnacle Bank! When first walking through the door I felt the "small town" vibe, meaning that it was very welcoming. I have two checking accounts in which I opened up about a month ago. The staff was very down-home and friendly and listened to exactly what I was in need of and explained the options I had. I chose the Super Free account where there are no monthly maintenance fees. They explained that your funds in your checking account actually earn interest while there! The whole process of opening the accounts were super easy. Also, they even create you final debit card there. I didn't even have to wait for my debit card (MasterCard) to come in the mail. The only drawback is that Pinnacle does not have weekend hours and my local branch closes at 6:30 on Friday evenings. Their ATM's is not equipped to take deposits, only withdrawals can be done.


Health Grade Components

FDIC Certificate #14065
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.81%
Return on Equity - YTD15.38%
Annual Interest Income$35.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$876.9MM$849.0MM
LoansQ4 2017vs Q4 2016$621.5MM$604.9MM
DepositsQ4 2017vs Q4 2016$765.4MM$748.6MM
Equity CapitalQ4 2017vs Q4 2016$104.6MM$94.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$6.0MM$4.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.2MM$6.7MM
Real Estate OwnedQ4 2017vs Q4 2016$2.6MM$1.9MM

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