Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 10.3. A current level of 0.6 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Asset Mix:
Comm re (22%), securities (18%), home mtgs (8%), comm loans (6%), cash (5%), home eq lns (1%), consumer loans (1%), other (39%)
States with Branches:
KS, MO, NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pinnacle Bancorp, Inc.
Investment Rating
--
Address
1401 'N' Street
Lincoln, NE 68508
Lincoln, NE 68508
Phone Number
(402) 434-3127
Year Founded
1880
FDIC Number
Website
Largest Affiliates
Fort Collins, CO
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Bank
Fort Worth, TX
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Bank
Cody, WY
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Bank