Pinnacle Bank

BankElberton, Georgia
www.pinnaclebank.com

Total Assets

$2.3B

Total Deposits

$2.0B

Branches

26

Established

1934

TFS Health Grade

$
C

75.3 / 100

Average financial health

How we grade

Pinnacle Bank is a bank headquartered in Elberton, Georgia, established in 1934. With $2.3B in total assets and 26 branch locations, it has a TFS Financial Health Grade of C (75.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.69%(8%)
Total Capital Ratio
12.78%(10%)
Non-Performing Loan Ratio
0.17%

Profitability

Return on Assets (ROA)
1.29%(1%)
Return on Equity (ROE)
13.97%(10%)
Net Interest Margin
4.29%
Efficiency Ratio
65.95%(60%)

Lending & Liquidity

Total Loans
$1.7B
Loan-to-Deposit Ratio
83.14%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+3.45%
Deposit Growth (YoY)
+1.91%
Net Income
$29.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Georgia