Headquartered in Lincoln, Nebraska, Pinnacle Bank is a state-chartered bank with $9.2B in total assets and $8.1B in deposits as of Q2 2026. It operates 72 offices across 3 states. Its charter dates back to 1880.
Based on its Q2 2026 filing, Pinnacle Bank scores 74/100, which we describe as strong. That is higher than 74% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 69th. Its strongest component is loan quality (98/100; 0.07%), and its lowest is capital cushion (49/100; 9.92%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.07% |
| Q3 2024 | 8.99% |
| Q4 2024 | 9.31% |
| Q1 2025 | 9.83% |
| Q2 2025 | 9.95% |
| Q3 2025 | 10.28% |
| Q4 2025 | 10.38% |
| Q1 2026 | 10.01% |
| Q2 2026 | 9.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.76% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $9.2B | 9.92% | 0.07% | 1.49% | 83.0% |
| Q1 2026 | 73 | $9.1B | 10.01% | 0.16% | 1.45% | 81.9% |
| Q4 2025 | 73 | $8.9B | 10.38% | 0.05% | 1.26% | 83.4% |
| Q3 2025 | 72 | $8.6B | 10.28% | 0.08% | 1.21% | 84.3% |
| Q2 2025 | 72 | $8.5B | 9.95% | 0.10% | 1.14% | 83.1% |
| Q1 2025 | 71 | $8.5B | 9.83% | 0.13% | 1.09% | 82.6% |
| Q4 2024 | 66 | $8.3B | 9.31% | 0.12% | 0.76% | 84.1% |
| Q3 2024 | 64 | $8.9B | 8.99% | 0.18% | 0.67% | 81.6% |
| Q2 2024 | 61 | $8.6B | 9.07% | 0.49% | 0.63% | 84.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union Bank and Trust CompanyBank Lincoln, NE | 76 out of 100, Strong | $9.2B | 10.6% | 0.32% | vs |
| Cornerstone BankBank York, NE | 56 out of 100, Moderate | $2.7B | 9.9% | 1.55% | vs |
| Security First BankBank Lincoln, NE | 65 out of 100, Moderate | $2.3B | 8.3% | 0.17% | vs |
| Five Points BankBank Grand Island, NE | 76 out of 100, Strong | $2.2B | 10.3% | 0.01% | vs |
| Security National Bank of OmahaBank Omaha, NE | 62 out of 100, Moderate | $1.9B | 10.6% | 1.03% | vs |
| Exchange BankBank Kearney, NE | 54 out of 100, Below average | $1.6B | 11.4% | 3.49% | vs |
Deposit insurance
Is my money safe at Pinnacle Bank?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #10634). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.9% of deposits ($2.5B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.48% (benchmark: 10%).
72 locations
Branches
Pinnacle Bank lists 64 offices in 44 cities across 3 states. Most locations:
- Lincoln, NE (11)
- Omaha, NE (5)
- Papillion, NE (4)
- Columbus, NE (2)
- Elkhorn, NE (2)
- Joplin, MO (2)
- Abilene, KS (1)
- Arnold, NE (1)
- Aurora, NE (1)
- Beatrice, NE (1)
- Benkelman, NE (1)
- Central City, NE (1)
HMDA 2025
Mortgage lending
In 2025, Pinnacle Bank reported 3,739 home-loan applications under HMDA (LEI 549300PZ44DNQDPOV865): 3,183 originated ($1,017,785,000 total), 163 denied, and 355 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Pinnacle Bank
- Former names
- Banking House of A. W. Clarke; Bank of Papillion; Clarke Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10634
- RSSD ID
- 913856
- Primary regulator
- FDIC
- Holding company
- Pinnacle Bcorp Inc
- Established
- January 1, 1880
- Headquarters
- 1401 N St, Lincoln, NE 68508
- Website
- www.pinnbank.com
- Employees
- 939
Quick answers
Pinnacle Bank: common questions
Is Pinnacle Bank FDIC insured?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #10634). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pinnacle Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pinnacle Bank ever failed?
There is no failure record for FDIC certificate #10634 in the FDIC failed bank list.
How many branches does Pinnacle Bank have?
72 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Lincoln
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CerescoBankBank Ceresco, NE | 92 out of 100, Very strong | $81.3M | 13.9% | 0.06% | vs |
| Nebraska State Employees Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $36.8M | 14.0% | 0.11% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |