Pinnacle Bank is a state-chartered bank (fed member) headquartered in Marshalltown, Iowa, in business for about 99 years. At the end of Q2 2026 it reported $324.4M in total assets and $268.2M in deposits, with 1 office.
Pinnacle Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 48th. Capital cushion contributes the most (97/100, 14.66%); funding & liquidity contributes the least (57/100, 78% loans-to-deposits, 38% uninsured).
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 16 points (66 → 82), mostly because the loan quality component improved by 47 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 80 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 70 |
| Q4 2025 | 67 |
| Q1 2026 | 71 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.41% |
| Q3 2024 | 13.69% |
| Q4 2024 | 13.93% |
| Q1 2025 | 14.06% |
| Q2 2025 | 14.33% |
| Q3 2025 | 14.66% |
| Q4 2025 | 13.99% |
| Q1 2026 | 14.68% |
| Q2 2026 | 14.66% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.54% |
| Q3 2024 | 1.50% |
| Q4 2024 | 0.21% |
| Q1 2025 | 2.23% |
| Q2 2025 | 2.17% |
| Q3 2025 | 2.04% |
| Q4 2025 | 2.05% |
| Q1 2026 | 1.98% |
| Q2 2026 | 0.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.50% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $324.4M | 14.66% | 0.75% | 1.72% | 77.5% |
| Q1 2026 | 71 | $313.3M | 14.68% | 1.98% | 1.63% | 77.9% |
| Q4 2025 | 67 | $306.6M | 13.99% | 2.05% | 1.51% | 79.4% |
| Q3 2025 | 70 | $314.8M | 14.66% | 2.04% | 1.50% | 76.6% |
| Q2 2025 | 66 | $298.8M | 14.33% | 2.17% | 1.36% | 80.2% |
| Q1 2025 | 64 | $303.9M | 14.06% | 2.23% | 1.27% | 79.5% |
| Q4 2024 | 80 | $291.4M | 13.93% | 0.21% | 1.08% | 83.4% |
| Q3 2024 | 70 | $300.7M | 13.69% | 1.50% | 1.43% | 82.3% |
| Q2 2024 | 69 | $297.1M | 13.41% | 1.54% | 1.50% | 82.6% |
2,650 peers · $100 million – $1 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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| PCSB BankBank Clarinda, IA | 77 out of 100, Strong | $326.1M | 11.1% | 0.25% | vs |
| First Trust and Savings BankBank Wheatland, IA | 45 out of 100, Below average | $320.6M | 10.7% | 3.21% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Community Bank and Trust CompanyBank Muscatine, IA | 73 out of 100, Strong | $303.5M | 8.3% | 0.08% | vs |
| Community State BankBank Spencer, IA | 68 out of 100, Moderate | $345.8M | 10.5% | 1.24% | vs |
| Kerndt Brothers Savings BankBank Lansing, IA | 79 out of 100, Strong | $347.2M | 10.9% | 0.65% | vs |
Deposit insurance
Is my money safe at Pinnacle Bank?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.1% of deposits ($102.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.17% (benchmark: 10%).
1 location
Branches
Pinnacle Bank lists 1 office in 1 city. Most locations:
- Marshalltown, IA (1)
Identity & history
Profile
- Legal name
- Pinnacle Bank
- Former names
- Tama State Bank; TSB Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 252
- RSSD ID
- 365745
- Primary regulator
- FED
- Holding company
- Iowa River Bcorp Inc
- Established
- May 5, 1927
- Headquarters
- 2206 S Center St, Marshalltown, IA 50158
- Website
- www.bankpinnacle.us
- Employees
- 28
Quick answers
Pinnacle Bank: common questions
Is Pinnacle Bank FDIC insured?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pinnacle Bank's TellerScore?
82 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 #252 in the FDIC failed bank list.
How many branches does Pinnacle Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marshalltown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Savings BankBank Marshalltown, IA | 85 out of 100, Very strong | $140.3M | 16.5% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| Citizens Savings BankBank Marshalltown, IA | 74 out of 100, Strong | $77.9M | 9.9% | 0.00% | vs |
| Exchange State BankBank Ames, IA | 71 out of 100, Strong | $146.0M | 11.2% | 1.00% | vs |
| Alerus Financial, National AssociationBank Grand Forks, ND | 70 out of 100, Strong | $5.3B | 9.3% | 0.26% | vs |