Pinnacle Bank, Inc.

26 Second Street
Vanceburg, KY 41179

Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD 0.40% 2.25% →
2-Year CD 0.80% 2.30% →
5-Year CD 2.02% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Pinnacle Bank, Inc. is an FDIC insured institution located in Vanceburg, KY. It was founded in 1976 and has approximately $0.05 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 22355
Date Established 1976
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.04 billion
Capital $0.01 billion

For a more detailed analysis of Pinnacle Bank, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 18, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
6 Mo CD
0.30% $1,000 - Learn MoreShow Less
12 Mo CD
0.40% $1,000 - Learn MoreShow Less
Special: 14 Mo CD
2.10% $1,000 - Learn MoreShow Less
18 Mo CD
0.60% $1,000 - Learn MoreShow Less
24 Mo CD
0.80% $1,000 - Learn MoreShow Less
30 Mo CD
0.90% $1,000 - Learn MoreShow Less
36 Mo CD
1.25% $1,000 - Learn MoreShow Less
48 Mo CD
1.51% $1,000 - Learn MoreShow Less
60 Mo CD
2.02% $1,000 - Learn MoreShow Less

Fixed IRA
0.40% $1,000 - Learn MoreShow Less
Special: 14 Mo FIRA
2.10% $1,000 - Learn MoreShow Less

Loan Rates - January 18, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Pinnacle Bank, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.517% 3.500% 0.25 $515 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Pinnacle Bank, Inc.
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Pinnacle Bank, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Pinnacle Bank, Inc. Locations

Financial Details

Pinnacle Bank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pinnacle Bank, Inc.. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Pinnacle Bank, Inc. U.S. Bank Average
7.04% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Pinnacle Bank, Inc. had $489,000 in non-current loans and $144,000 in owned real estate. To cover these potential losses it had $8,502,000 in equity and $487,000 in loans loss reserves. That gives it a Texas Ratio of 7.04%.

Return on Equity
Pinnacle Bank, Inc. U.S. Bank Average
5.86% 9.72%

Pinnacle Bank, Inc. has a Return on Equity of 5.86% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Pinnacle Bank, Inc. U.S. Bank Average
17.01% 12.89%

Pinnacle Bank, Inc. has a Capitalization of 17.01% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Pinnacle Bank, Inc. Balance Sheet Analysis

As of September 30, 2019, Pinnacle Bank, Inc. had assets of $49,996,000, loans of $37,310,000, and deposits of $38,322,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.04 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 94.74%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.04 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Pinnacle Bank, Inc.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Pinnacle Bank, Inc.’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 52.06
Credit Card Loans 0.00
Consumer Auto Loans 2.34
Small Business Loans 0.00
Construction and Development Loans 1.21
Commercial Real Estate 32.74
Commercial and Industrial Loans 5.00
Farm Loans 0.05

Frequently Asked Questions About Pinnacle Bank, Inc.

Branches and Savings

Is Pinnacle Bank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #22355.

Why does Pinnacle Bank, Inc. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Pinnacle Bank, Inc. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Pinnacle Bank, Inc. a commercial bank?


Where are Pinnacle Bank, Inc. locations?

See branch locations nearby.

Is Pinnacle Bank, Inc. open on Saturdays?

Is Pinnacle Bank, Inc. open on Sundays?

What time does Pinnacle Bank, Inc. open?

What time does Pinnacle Bank, Inc. close?

Are Pinnacle Bank, Inc. ATMs Open 24/7?

Do Pinnacle Bank, Inc. ATMs accept cash deposits?

Can Pinnacle Bank, Inc. customers use other ATMs?

Do Pinnacle Bank, Inc. branches have notaries?

Will Pinnacle Bank, Inc. notarize my document?

What address for Pinnacle Bank, Inc. should I put for incoming ACH transfers?

Will the Pinnacle Bank, Inc. branch print checks?

Do Pinnacle Bank, Inc. checks expire?

Does Pinnacle Bank, Inc. require US citizenship to open account?

Can Pinnacle Bank, Inc. close my account?

Does Pinnacle Bank, Inc. Report to credit bureaus?

Does Pinnacle Bank, Inc. Use Equifax?

What is Pinnacle Bank, Inc.'s ACH Routing Number?

What is Pinnacle Bank, Inc.'s SWIFT code?


Does Pinnacle Bank, Inc. offer mortgages?

Compare mortgage rates here.

Does Pinnacle Bank, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pinnacle Bank, Inc. offer personal loans?

Compare personal loan rates here.

Does Pinnacle Bank, Inc. offer student loans?

Will Pinnacle Bank, Inc. cash a check?

Will Pinnacle Bank, Inc. redeem a savings bond?

Does Pinnacle Bank, Inc. cash savings bonds?

Will Pinnacle Bank, Inc. cash money orders?

Can Pinnacle Bank, Inc. issue a money order?

Does Pinnacle Bank, Inc. do currency exchange?

Background on The Bank

Who owns Pinnacle Bank, Inc.?

How long has Pinnacle Bank, Inc. been around?

Can Pinnacle Bank, Inc. transfer to other banks?

Does Pinnacle Bank, Inc. have quick pay?

Does Pinnacle Bank, Inc. accept rolled coins?

Will Pinnacle Bank, Inc. accept loose change?

Where is Pinnacle Bank, Inc. headquarters?

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