TellerScore

Pinnacle Bank, Inc. (FDIC certificate #22355) is based in Pikeville, Kentucky. Its Q2 2026 call report shows $57.9M in total assets and $46.8M in deposits and 3 offices.

Pinnacle Bank, Inc. has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 87th. Capital cushion contributes the most (100/100, 15.67%); earnings contributes the least (37/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.67%
Loan quality42/100
Noncurrent loans ÷ total loans: 1.74%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 78.4% · 25.3% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.61%

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 fell 18 points (85 → 67), mostly because the loan quality component weakened by 46 points.

TellerScore
547085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202476
Q1 202576
Q2 202585
Q3 202567
Q4 202564
Q1 202654
Q2 202667
Tier 1 leverage ratio
5.00%10.70%16.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.09%
Q3 202416.41%
Q4 202415.89%
Q1 202516.14%
Q2 202516.16%
Q3 202516.37%
Q4 202515.89%
Q1 202615.37%
Q2 202615.67%
Noncurrent loans
0.37%1.72%3.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.46%
Q3 20241.41%
Q4 20241.48%
Q1 20251.32%
Q2 20250.37%
Q3 20252.25%
Q4 20252.42%
Q1 20263.06%
Q2 20261.74%
Return on assets
0.31%0.65%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20241.00%
Q4 20240.95%
Q1 20250.75%
Q2 20250.96%
Q3 20250.97%
Q4 20250.87%
Q1 20260.31%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$57.9M15.67%1.74%0.43%78.4%
Q1 202654$58.0M15.37%3.06%0.31%78.9%
Q4 202564$59.1M15.89%2.42%0.87%76.7%
Q3 202567$58.0M16.37%2.25%0.97%76.6%
Q2 202585$55.6M16.16%0.37%0.96%77.5%
Q1 202576$55.6M16.14%1.32%0.75%71.2%
Q4 202476$55.5M15.89%1.48%0.95%71.5%
Q3 202476$54.0M16.41%1.41%1.00%79.9%
Q2 202475$53.9M16.09%1.46%0.92%80.4%

546 peers · Under $100 million in assets

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).

Capital ratio15.67%
73rd
Total risk-based capital0.00%
27th
Problem loans1.74%
23rd
Net charge-offs0.97%
3rd
Return on assets0.43%
25th
Net interest margin4.26%
65th
Efficiency ratio75.6%
40th
Loans to deposits78.4%
32nd
Uninsured deposits25.3%
20th
Loan-loss reserves1.20%
48th
Texas ratio8.6%
22nd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Blue Grass Federal Savings and Loan AssociationBank Paris, KY79 out of 100, Strong$58.5M15.9%0.00%vs
Farmers & Traders Bank of CamptonBank Campton, KY74 out of 100, Strong$67.2M9.2%0.05%vs
Farmers State BankBank Booneville, KY69 out of 100, Moderate$69.3M10.7%1.07%vs
Clinton BankBank Clinton, KY69 out of 100, Moderate$70.4M16.8%1.77%vs
Cornerstone Community BankBank Owensboro, KY74 out of 100, Strong$44.5M277.2%0.00%vs
Security Bank and Trust Co.Bank Maysville, KY83 out of 100, Strong$71.8M15.7%1.86%vs

Deposit insurance

Is my money safe at Pinnacle Bank, Inc.?

Yes. Pinnacle Bank, Inc. is an FDIC-insured institution (FDIC certificate #22355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.3% of deposits ($11.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Pinnacle Bank, Inc. lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pinnacle Bank, Inc.
Former names
First Community Bank; First National Bank of Lewis County
Type
State-chartered bank
FDIC certificate #
22355
RSSD ID
417710
Primary regulator
FDIC
Established
October 26, 1976
Headquarters
230 S Mayo Trl, Pikeville, KY 41501
Employees
21

Quick answers

Pinnacle Bank, Inc.: common questions

Is Pinnacle Bank, Inc. FDIC insured?

Yes. Pinnacle Bank, Inc. is an FDIC-insured institution (FDIC certificate #22355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pinnacle Bank, Inc.'s TellerScore?

67 out of 100 (Moderate), 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, Inc. ever failed?

There is no failure record for FDIC certificate #22355 in the FDIC failed bank list.

How many branches does Pinnacle Bank, Inc. have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pikeville

InstitutionScoreAssetsCapitalProblem loansCompare
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs
New Peoples Bank, Inc.Bank Honaker, VA76 out of 100, Strong$942.5M11.2%0.45%vs
Commonwealth Federal Credit UnionCredit union Frankfort, KY73 out of 100, Strong$2.9B11.3%0.87%vs
Peoples BankBank Marietta, OH67 out of 100, Moderate$9.5B9.7%0.60%vs