Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.2) profitability.
Asset Mix:
Comm re (23%), securities (20%), home mtgs (8%), comm loans (6%), cash (4%), home eq lns (1%), consumer loans (1%), other (37%)
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