Pinnacle Bank - Wyoming

2000 Main Street
Torrington, WY 82240

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 2232
Date Established 1918
Assets $0.86 billion
Loans $0.68 billion
Deposits $0.75 billion
Capital $0.08 billion

Pinnacle Bank - Wyoming is an FDIC insured institution located in Torrington, WY. It was founded in 1918 and has approximately $0.86 billion in assets. Customers can open an account at one of its 15 branches.

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.

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 Farm Loans.

Compared to other banks, Pinnacle Bank - Wyoming’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.25
Multifamily
Mortgages
1.17
Credit Card Loans 0.08
Consumer Auto Loans 1.45
Small Business Loans 10.59
Construction and Development Loans 2.53
Commercial Real Estate 30.97
Commercial and Industrial Loans 8.07
Farm Loans 12.28

Deposit Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.55% $1 $24,999 Learn MoreShow Less
Money Market
0.80% $1 $24,999 Learn MoreShow Less
Money Market
0.40% $1 $24,999 Learn MoreShow Less
Money Market
0.50% $1 $49,998 Learn MoreShow Less
Money Market
0.55% $2,500 $9,999 Learn MoreShow Less
Money Market
0.70% $10,000 - Learn MoreShow Less
Money Market
0.70% $25,000 $49,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
Money Market
0.70% $25,000 - Learn MoreShow Less
Money Market
1.00% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $500 - Learn MoreShow Less
3 Mo CD
0.75% $500 - Learn MoreShow Less
3 Mo CD
0.60% $500 - Learn MoreShow Less
3 Mo CD
0.70% $500 - Learn MoreShow Less
3 Mo CD
0.75% $500 - Learn MoreShow Less
6 Mo CD
0.95% $500 - Learn MoreShow Less
6 Mo CD
0.80% $500 - Learn MoreShow Less
6 Mo CD
1.00% $500 - Learn MoreShow Less
6 Mo CD
0.85% $500 - Learn MoreShow Less
6 Mo CD
1.05% $500 - Learn MoreShow Less
6 Mo CD
1.93% $500 - Learn MoreShow Less
12 Mo CD
1.51% $500 - Learn MoreShow Less
12 Mo CD
1.36% $500 - Learn MoreShow Less
12 Mo CD
2.14% $500 - Learn MoreShow Less
12 Mo CD
1.61% $500 - Learn MoreShow Less
12 Mo CD
2.05% $500 - Learn MoreShow Less
Special: 18 Mo CD
2.32% $500 - Learn MoreShow Less
18 Mo CD
2.27% $500 - Learn MoreShow Less
18 Mo CD
1.36% $500 - Learn MoreShow Less
18 Mo CD
1.61% $500 - Learn MoreShow Less
18 Mo CD
2.32% $500 - Learn MoreShow Less
24 Mo CD
2.32% $500 - Learn MoreShow Less
24 Mo CD
1.66% $500 - Learn MoreShow Less
24 Mo CD
1.91% $500 - Learn MoreShow Less
24 Mo CD
1.86% $500 - Learn MoreShow Less
24 Mo CD
1.76% $500 - Learn MoreShow Less
24 Mo CD
2.12% $500 - Learn MoreShow Less
24 Mo CD
2.52% $500 - Learn MoreShow Less
Special: 30 Mo CD
2.12% $500 - Learn MoreShow Less
30 Mo CD
1.96% $500 - Learn MoreShow Less
30 Mo CD
2.57% $500 - Learn MoreShow Less
30 Mo CD
1.66% $500 - Learn MoreShow Less
36 Mo CD
2.63% $500 - Learn MoreShow Less
36 Mo CD
2.17% $500 - Learn MoreShow Less
36 Mo CD
1.96% $500 - Learn MoreShow Less
36 Mo CD
2.59% $500 - Learn MoreShow Less
36 Mo CD
2.27% $500 - Learn MoreShow Less
48 Mo CD
2.27% $500 - Learn MoreShow Less
48 Mo CD
2.78% $500 - Learn MoreShow Less
48 Mo CD
2.07% $500 - Learn MoreShow Less
48 Mo CD
2.32% $500 - Learn MoreShow Less
48 Mo CD
2.67% $500 - Learn MoreShow Less
60 Mo CD
3.03% $500 - Learn MoreShow Less
60 Mo CD
2.83% $500 - Learn MoreShow Less
60 Mo CD
2.32% $500 - Learn MoreShow Less
60 Mo CD
2.52% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.95% $1 - Learn MoreShow Less
Fixed IRA
2.12% $500 - Learn MoreShow Less
Fixed IRA
1.36% $500 - Learn MoreShow Less
Fixed IRA
1.61% $500 - Learn MoreShow Less
Fixed IRA
1.51% $500 - Learn MoreShow Less
Fixed IRA
1.47% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.61% $500 - Learn MoreShow Less
Var IRA
2.07% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $100 $9,999 Learn MoreShow Less
Int Ckg
0.05% $750 - Learn MoreShow Less
0.25% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.21% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.15% $1,000 $9,999 Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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:
Ashburn,Virginia


Pinnacle Bank - Wyoming Locations


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
7.61% 6.97%

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 December 31, 2018, Pinnacle Bank - Wyoming had $5,885,000 in non-current loans and $1,025,000 in owned real estate. To cover these potential losses it had $80,815,000 in equity and $9,946,000 in loans loss reserves. That gives it a Texas Ratio of 7.61%.

Return on Equity
Pinnacle Bank - Wyoming U.S. Bank Average
16.39% 8.80%

Pinnacle Bank - Wyoming has a Return on Equity of 16.39% versus the BestCashCow average of 8.80%. 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
9.35% 12.29%

Pinnacle Bank - Wyoming has a Capitalization of 9.35% versus the BestCashCow average of 12.29. 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 December 31, 2018, Pinnacle Bank - Wyoming had assets of $864,722,000, loans of $682,956,000, and deposits of $750,118,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.13 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.68 billion
Loan loss allowance $0.01 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 $0.01 billion
     Total Assets $0.78 billion
LIABILITIES
Total deposits $0.75 billion
      Interest-bearing deposits $0.68 billion
      Deposits held in domestic offices $0.75 billion
      % insured (estimated) 82.49%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.78 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.04 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Pinnacle Bank - Wyoming

Branches and Savings

Is Pinnacle Bank - Wyoming FDIC insured?

Yes. It is covered under FDIC Certificate #2232.

Why does Pinnacle Bank - Wyoming 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 - Wyoming CD rates not competitive?

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

Is Pinnacle Bank - Wyoming a commercial bank?

Yes

Where are Pinnacle Bank - Wyoming locations?

See branch locations nearby.

Is Pinnacle Bank - Wyoming open on Saturdays?

Is Pinnacle Bank - Wyoming open on Sundays?

What time does Pinnacle Bank - Wyoming open?

What time does Pinnacle Bank - Wyoming close?

Are Pinnacle Bank - Wyoming ATMs Open 24/7?

Do Pinnacle Bank - Wyoming ATMs accept cash deposits?

Can Pinnacle Bank - Wyoming customers use other ATMs?

Do Pinnacle Bank - Wyoming branches have notaries?

Will Pinnacle Bank - Wyoming notarize my document?

What address for Pinnacle Bank - Wyoming should I put for incoming ACH transfers?

Will the Pinnacle Bank - Wyoming branch print checks?

Do Pinnacle Bank - Wyoming checks expire?

Does Pinnacle Bank - Wyoming require US citizenship to open account?

Can Pinnacle Bank - Wyoming close my account?

Does Pinnacle Bank - Wyoming Report to credit bureaus?

Does Pinnacle Bank - Wyoming Use Equifax?

What is Pinnacle Bank - Wyoming's ACH Routing Number?

What is Pinnacle Bank - Wyoming's SWIFT code?

Products

Does Pinnacle Bank - Wyoming offer mortgages?

Compare mortgage rates here.

Does Pinnacle Bank - Wyoming offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pinnacle Bank - Wyoming offer personal loans?

Compare personal loan rates here.

Does Pinnacle Bank - Wyoming offer student loans?

Will Pinnacle Bank - Wyoming cash a check?

Will Pinnacle Bank - Wyoming redeem a savings bond?

Does Pinnacle Bank - Wyoming cash savings bonds?

Will Pinnacle Bank - Wyoming cash money orders?

Can Pinnacle Bank - Wyoming issue a money order?

Does Pinnacle Bank - Wyoming do currency exchange?

Background on The Bank

Who owns Pinnacle Bank - Wyoming?

How long has Pinnacle Bank - Wyoming been around?

Can Pinnacle Bank - Wyoming transfer to other banks?

Does Pinnacle Bank - Wyoming have quick pay?

Does Pinnacle Bank - Wyoming accept rolled coins?

Will Pinnacle Bank - Wyoming accept loose change?

Where is Pinnacle Bank - Wyoming headquarters?

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