B
Pinnacle Bank, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Pinnacle Bank, Inc.
Vanceburg, KY
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Rating B
Asset Quality Index 5.40
Capitalization Index 10.00
Liquidity Index 2.00
Profitability Index 5.00
Stability Index 7.60
Company Info Pinnacle Bank, Inc.
Vanceburg, KY
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FDIC Number 22355
Phone Number (606) 796-3086
Website www.pinnaclebank.co
Asset Quality Pinnacle Bank, Inc.
Vanceburg, KY
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1-Year Asset Growth 7.35%
5-Year Asset Growth 1.67%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.57%
Non-Performing Assets to Assets 1.21%
Non-Performing Loans to Capital 8.70%
Non-Performing Loans to Loans 1.20%
Balance Sheet Pinnacle Bank, Inc.
Vanceburg, KY
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Total Assets 57.97M
Total Deposits 46.83M
Capital and Reserves Pinnacle Bank, Inc.
Vanceburg, KY
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Capital 9.92M
Leverage Ratio 16.37
Loan Loss Reserves to Loans 1.26%
Risk-Based Capital Ratio --
Liquidity Pinnacle Bank, Inc.
Vanceburg, KY
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Hot Money Ratio 32.26%
Liquidity Ratio 18.26%
Profitability Pinnacle Bank, Inc.
Vanceburg, KY
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5-Year Return on Average Assets 0.89%
Net Income 410.00K
Net Interest Spread 4.34%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 69.10%
Return on Assets 0.99%
Return on Equity 5.69%