2026 Overview
General Bank Information
Pinnacle Bank - Wyoming is an FDIC insured institution located in Cody, WY. It was founded in 1918 and has approximately $1.3 billion in assets. Customers can open an account at one of its 15 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 2232 |
| Date Established | 1918 |
| Assets | $ 1,298.47 million |
| Loans | $ 921.16 million |
| Deposits | $ 1,146.15 million |
| Capital | $ 120.29 million |
For a more detailed analysis of Pinnacle Bank - Wyoming's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 2, 2026
Your Current Location: New York, NY 10116
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Loan Rates - October 2, 2026
Your Current Location: New York, NY 10116
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
6.52% | 6.25% | $3,592.96 | |
| 15 Year Fixed Conforming See Amortization Table |
6.56% | 6.38% | $2,765.60 | |
| 20 Year Fixed Conforming See Amortization Table |
7.15% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.23% | 7.13% | $2,155.90 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
6.52% | 6.25% | $3,592.96 | |
| 15 Year Fixed Conforming See Amortization Table |
6.56% | 6.38% | $2,765.60 | |
| 20 Year Fixed Conforming See Amortization Table |
7.15% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.23% | 7.13% | $2,155.90 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Pinnacle Bank - Wyoming branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Pinnacle Bank - Wyoming Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1581.39 | A | View Lobby Hours | |
| 1601.30 | B | View Lobby Hours | |
| 1602.18 | C | View Lobby Hours | |
| 1602.18 | D | View Lobby Hours | |
| 1615.17 | E | View Lobby Hours | |
| 1630.62 | F | View Lobby Hours | |
| 1632.33 | G | View Lobby Hours | |
| 1656.11 | H | View Lobby Hours | |
| 1686.83 | I | View Lobby Hours | |
| 1814.02 | J | View Lobby Hours | |
| 1814.02 | K | View Lobby Hours | |
| 1824.12 | L | View Lobby Hours | |
| 1862.96 | M | View Lobby Hours | |
| 1876.18 | N | View Lobby Hours | |
| 1877.96 | O | View Lobby Hours |
Climate Policy and Initiatives
Pinnacle Bank - Wyoming is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Pinnacle Bank - Wyoming Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Pinnacle Bank - Wyoming. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Pinnacle Bank - Wyoming | U.S. Bank Average |
|---|---|
| 2.41% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 December 31, 2025, Pinnacle Bank - Wyoming had $2,541,000 in non-current loans and $632,000 in owned real estate. To cover these potential losses it had $120,286,000 in equity and $11,345,000 in loans loss reserves. That gives it a Texas Ratio of 2.41%.
Return on Equity
| Pinnacle Bank - Wyoming | U.S. Bank Average |
|---|---|
| 17.49% | 10.69% |
Pinnacle Bank - Wyoming has a Return on Equity of 17.49% versus the BestCashCow average of 10.69%. 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.
Capitalization
| Pinnacle Bank - Wyoming | U.S. Bank Average |
|---|---|
| 9.26% | 11.75% |
Pinnacle Bank - Wyoming has a Capitalization of 9.26% versus the BestCashCow average of 11.75. 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 - Wyoming Balance Sheet Analysis
As of March 31, 2026, Pinnacle Bank - Wyoming had assets of $1,298,471,000, loans of $921,156,000, and deposits of $1,146,153,000. 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
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 23.74 million |
| Interest-bearing balances | $ 13.94 million |
| Total securities | $ 293.30 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 921.16 million |
| Loan loss allowance | $ 11.35 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.63 million |
| Goodwill and other intangibles | $ 0.53 million |
| All other assets | $ 20.75 million |
| Total Assets | $ 1,154.12 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 1,146.15 million |
| Interest-bearing deposits | $ 859.38 million |
| Deposits held in domestic offices | $ 1,146.15 million |
| % insured (estimated) | 75.01% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 2.63 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 5.08 million |
| Total Liabilities | $ 1,154.12 million |
| Shareholders’ Equity | $ 144.35 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 16.23 million |
| Total Interest Expense | $ 4.07 million |
| Net interest income | $ 12.15 million |
| Provision for loan and lease losses | $ 0.14 million |
| Total non interest income | $ 1.13 million |
| Total non interest expense | $ 6.37 million |
| Pre-tax Net Operating Income | $ 9.69 million |
Bank Loan Profile?
The top three loan types in Pinnacle Bank - Wyoming’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.
Compared to other banks in Wyoming, Pinnacle Bank - Wyoming has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.
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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 16.94 | ✓ | ||
| Multifamily Mortgages |
1.96 | ✓ | ||
| Credit Card Loans | 0.06 | ✓ | ||
| Consumer Auto Loans | 0.95 | ✓ | ||
| Small Business Loans | 9.02 | ✓ | ||
| Construction and Development Loans | 3.31 | ✓ | ||
| Commercial Real Estate | 28.54 | ✓ | ||
| Commercial and Industrial Loans | 6.52 | ✓ | ||
| Farm Loans | 8.88 | ✓ | ||
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