Pinnacle Bank
Lincoln, Nebraska, Lancaster County
$9.2B in total assets, the 182nd largest of 4,309 US banks and 3rd of 139 headquartered in Nebraska.
- FDIC certificate
- 10634
- Established
- 1880
- Owned by
- Pinnacle Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.pinnbank.com
At a glance
Compared with 20 banks headquartered in Nebraska with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $9.2B | 95% | $1.2B | |
| Loans | $6.8B | 95% | $915M | |
| Deposits | $8.1B | 98% | $1.1B | |
| Return on assets | 1.43% | 75% | 1.23% | |
| Net interest margin | 3.36% | 30% | 3.48% | |
| Efficiency ratio | 46.3% | 15% | 61.6% | |
| Equity to assets | 9.68% | 40% | 9.98% | |
| Loans to deposits | 84% | 25% | 90% |
Growth
Total assets grew 5.7% a year over the last 5 years and 7.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2017 | Amfirst Bank Mccook, NE | $266M |
| Jan 2015 | Home State Bank Louisville, NE | $82M |
| Dec 2012 | Hastings State Bank Hastings, NE | $136M |
| Dec 2012 | First State Bank of Joplin Joplin, MO | $173M |
| Dec 2010 | American National Bank of Fremont Fremont, NE | $166M |
| Aug 2007 | Farmers and Merchants Bank Imperial, NE, an affiliate under the same holding company | $54M |
| Feb 2007 | Pinnacle Bank, National Association Abilene, KS, an affiliate under the same holding company | $98M |
| Mar 2003 | The First National Bank of Elwood Elwood, NE | $22M |
| Sep 2002 | The Wymore State Bank Wymore, NE | $12M |
| Jul 2002 | The Beatrice National Bank and Trust Company Beatrice, NE | $82M |
| Nov 2000 | Pinnacle Bank, National Association Wisner, NE | $47M |
| Sep 2000 | Pinnacle Bank Aurora, NE, an affiliate under the same holding company | $59M |
| Sep 2000 | Pinnacle Bank Schuyler, NE, an affiliate under the same holding company | $79M |
| Sep 2000 | Pinnacle Bank Lexington, NE, an affiliate under the same holding company | $73M |
| May 2000 | Pinnacle Bank Neligh, NE, an affiliate under the same holding company | $118M |
| May 2000 | Pinnacle Bank, National Association Osceola, NE | $28M |
| May 2000 | Pinnacle Bank, National Association Columbus, NE, an affiliate under the same holding company | $31M |
| May 2000 | Pinnacle Bank, National Association Ogallala, NE, an affiliate under the same holding company | $118M |
| May 2000 | Crete State Bank Crete, NE, an affiliate under the same holding company | $53M |
| Jan 2000 | Havelock Bank Lincoln, NE, an affiliate under the same holding company | $221M |
| Nov 1999 | Pinnacle Bank, National Association Central City, NE | $32M |
| Nov 1999 | Pinnacle Bank Palmer, NE, an affiliate under the same holding company | $20M |
| Oct 1999 | Waverly Bank Waverly, MO | $23M |
| Apr 1999 | Gretna State Bank Gretna, NE | $25M |
| Nov 1989 | Bank of the Midlands Papillion, NE | $27M |
Where they operate
72 branches in 33 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Douglas County, NE | $1.6B | 4.9% | 5 of 43 |
| Lancaster County, NE | $1.5B | 9.8% | 3 of 31 |
| Sarpy County, NE | $808M | 23.7% | 1 of 21 |
| Dodge County, NE | $432M | 23.2% | 2 of 12 |
| Platte County, NE | $285M | 16.3% | 2 of 14 |
| Hamilton County, NE | $232M | 45.0% | 1 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (73 to 72, −1.4%). 7 opened, 3 acquired, 11 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 73 | |||
| 2016 | Opened Humphrey | 1 | 0 | +1 | 74 |
| 2017 | Acquired Amfirst BankClosed Lincoln | 3 | 1 | +2 | 76 |
| 2019 | Opened Abilene and Grand IslandClosed Abilene | 2 | 2 | 0 | 76 |
| 2020 | Opened Kearney and SpringfieldClosed Hastings | 2 | 1 | +1 | 77 |
| 2022 | Opened Kearney and PapillionClosed Fremont and Kearney | 2 | 2 | 0 | 77 |
| 2023 | Closed Joplin | 0 | 1 | −1 | 76 |
| 2024 | Closed 4 in 2 states | 0 | 4 | −4 | 72 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 30% | 28% | |
| 1-4 family residential | 13% | 17% | |
| Agricultural | 12% | 10% | |
| Construction and land | 12% | 8% | |
| Farmland | 10% | 12% | |
| Multifamily | 9% | 7% | |
| Business (C&I) | 9% | 14% | |
| Consumer | 1% | 2% | |
| Other | 4% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 54% | |
| Time deposits | 21% | 32% | |
| Noninterest-bearing | 20% | 14% |
Brokered deposits are 0.0% of deposits (peers 10.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.07% | 0.42% |
| Net charge-offs, annualized | 0.00% | 0.01% |
| Reserves to loans | 1.12% | 1.37% |
| Leverage ratio | 9.92% | 10.43% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Douglas County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/pinnacle-bank-lincoln-ne