Headquartered in Jasper, Alabama, Pinnacle Bank is a state-chartered bank with $384.5M in total assets and $355.0M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1935.
Based on its Q2 2026 filing, Pinnacle Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 33rd. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is capital cushion (63/100; 11.30%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 77 |
| Q2 2025 | 77 |
| Q3 2025 | 76 |
| Q4 2025 | 78 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.63% |
| Q3 2024 | 10.73% |
| Q4 2024 | 11.09% |
| Q1 2025 | 10.96% |
| Q2 2025 | 11.13% |
| Q3 2025 | 11.21% |
| Q4 2025 | 11.55% |
| Q1 2026 | 11.37% |
| Q2 2026 | 11.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.21% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.19% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $384.5M | 11.30% | 0.02% | 1.15% | 37.8% |
| Q1 2026 | 77 | $386.1M | 11.37% | 0.04% | 1.18% | 37.5% |
| Q4 2025 | 78 | $363.6M | 11.55% | 0.02% | 1.21% | 39.1% |
| Q3 2025 | 76 | $355.0M | 11.21% | 0.09% | 1.19% | 38.3% |
| Q2 2025 | 77 | $353.2M | 11.13% | 0.00% | 1.17% | 38.1% |
| Q1 2025 | 77 | $359.2M | 10.96% | 0.00% | 1.19% | 40.2% |
| Q4 2024 | 77 | $345.7M | 11.09% | 0.00% | 1.22% | 40.3% |
| Q3 2024 | 76 | $348.3M | 10.73% | 0.00% | 1.21% | 40.5% |
| Q2 2024 | 79 | $345.5M | 11.63% | 0.00% | 1.19% | 39.1% |
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Exchange Bank of AlabamaBank Altoona, AL | 91 out of 100, Very strong | $392.5M | 15.3% | 0.04% | vs |
| Southern Independent BankBank Opp, AL | 87 out of 100, Very strong | $395.3M | 13.6% | 0.08% | vs |
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| Premier Bank of the SouthBank Cullman, AL | 72 out of 100, Strong | $370.6M | 9.4% | 0.00% | vs |
| First Citizens BankBank Luverne, AL | 87 out of 100, Very strong | $402.6M | 14.3% | 0.76% | vs |
| Marion Community BankBank Marion, AL | 51 out of 100, Below average | $364.2M | 9.8% | 2.30% | vs |
Deposit insurance
Is my money safe at Pinnacle Bank?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #29548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 48.0% of deposits ($170.4M) 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 11.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.89% (benchmark: 10%).
7 locations
Branches
Pinnacle Bank lists 6 offices in 6 cities. Most locations:
- Gardendale, AL (1)
- Haleyville, AL (1)
- Jasper, AL (1)
- Sumiton, AL (1)
- Trussville, AL (1)
- Vestavia Hills, AL (1)
Identity & history
Profile
- Legal name
- Pinnacle Bank
- Former names
- First Federal of Alabama, FSB; First Federal Savings and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 29548
- RSSD ID
- 288376
- Primary regulator
- FDIC
- Holding company
- Pinnacle Bancshares Inc
- Established
- November 1, 1935
- Headquarters
- 1811 2nd Ave, Jasper, AL 35501
- Website
- www.pinnaclebanc.com
- Employees
- 46
Quick answers
Pinnacle Bank: common questions
Is Pinnacle Bank FDIC insured?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #29548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pinnacle Bank's TellerScore?
76 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 #29548 in the FDIC failed bank list.
How many branches does Pinnacle Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Jasper
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Alatrust Credit UnionCredit union Hoover, AL | 75 out of 100, Strong | $224.0M | 14.0% | 1.72% | vs |
| Bank of Walker CountyBank Jasper, AL | 75 out of 100, Strong | $98.5M | 11.2% | 0.46% | vs |
| America'S First Federal Credit UnionCredit union Birmingham, AL | 74 out of 100, Strong | $2.8B | 12.3% | 0.77% | vs |
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |