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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Nebraska, the state note

Pinnacle Bank

Lincoln, Nebraska · $9.18B in assets · beside the 11 other the Plains states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

0.07%
NPA / loans
1st of 12
16.7x
Coverage of noncurrent
1st of 12
41.8%
CRE / loans
11th of 12

Pinnacle Bank is the fifth largest of the 12 the Plains states banks nearest its size between $3B and $10B, with $9.18B in assets at 30 June 2026. Loans are 84.0% of deposits, 5th of 12 against a median of 86.4%, and equity is 9.7% of assets, 6th of 12. Loans grew +7.7% in the year, 6th of 12, and deposits grew 7.8%; the cohort's median loan growth is +7.3%.

Noncurrent loans are 0.07% of the book, the lowest in the cohort against a median of 0.61%; 0.94% is 30 to 89 days past due, and the allowance covers them 16.7 times. Commercial real estate is 41.8% of loans, 11th of 12 against a median of 34.5%, and 282% of capital, below the 300% screen, with construction at 82% against the 100% screen.

Return on assets is 1.44%, 5th of 12 against a median of 1.35%, on an efficiency ratio of 46.3%, 3rd of 12. Five years ago it was 1.50%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansPlains states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.61% PB Pinnacle Bank 0.07% FB First Bank 0.27% BT Bankers Trust Co. 0.31% UB Union Bank & Trust Co. 0.32% PB Principal Bank 0.44% IB Intrust Bank National Association 0.60% CF Capitol Federal Savings Bank 0.62% CF Choice Financial Group 0.68% EB Equity Bank 1.18% BB Bcorp Bank National Association 1.33% FI First International Bank & Trust 1.54% PN Pathward National Association 5.28%
Loans, year over yearPlains states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.3% EB Equity Bank +50.2% PB Principal Bank +13.5% FI First International Bank & Trust +9.4% PN Pathward National Association +8.6% FB First Bank +7.8% PB Pinnacle Bank +7.7% BB Bcorp Bank National Association +7.0% UB Union Bank & Trust Co. +5.0% IB Intrust Bank National Association +3.6% CF Capitol Federal Savings Bank +1.8% BT Bankers Trust Co. +1.5% CF Choice Financial Group +0.4%

SBA 7(a), FY2008 to FY2026

Pinnacle Bank is the 16th largest 7(a) lender into Nebraska of 257, with $32M across 168 loans, 1.4% of everything approved in the state (Wells Fargo Bank National Association leads with $186M). 20 of its 28 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Nebraska, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Douglas, NE$9M27th of 1451.0%quiet FY2019
Jasper, MO$8M7th of 583.6%thin
Sarpy, NE$5M18th of 701.9%quiet FY2017
Lancaster, NE$4M19th of 831.1%thin
Gage, NE$2M5th of 165.9%quiet FY2014
Stanton, NE$2M1st of 633.2%quiet FY2022
Dickinson, KS$2M2nd of 1521.9%thin
Platte, NE$2M9th of 253.2%quiet FY2021
Dodge, NE$1M11th of 363.1%quiet FY2020
Buffalo, NE$998K14th of 381.9%thin
Polk, NE$935K2nd of 634.2%quiet FY2022
Saunders, NE$909K7th of 183.9%quiet FY2010
Jackson, MO$700K132nd of 1830.1%quiet FY2012
15 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance34$7M16.0%0.01%470th of 2,172
Retail trade33$6M14.0%0.01%652nd of 2,589
Arts, entertainment & recreation6$5M12.5%0.04%319th of 1,656
Construction19$5M10.8%0.01%604th of 2,063
Accommodation & food services20$4M10.4%0.01%863rd of 2,596
7(a) lenders into Nebraska, share of approvals since FY2008257 lenders on record; the ten largest and Pinnacle Bank
WF Wells Fargo Bank National Associa… 8.2% $186M · 483 loans UB Union Bank and Trust Company 7.1% $161M · 573 loans FN First National Bank of Omaha 6.4% $144M · 618 loans FS First State Bank Nebraska 6.2% $141M · 432 loans LO Live Oak Banking Company 4.4% $100M · 77 loans FI First Interstate Bank 3.8% $86M · 180 loans AB Associated Bank National Associat… 3.3% $74M · 159 loans CB Core Bank 2.4% $54M · 116 loans UB U.S. Bank, National Association 2.0% $45M · 530 loans NB Northwest Bank 1.6% $36M · 143 loans PB Pinnacle Bank 1.4% $32M · 168 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Pinnacle BankRankCohort median
Total CRE against capital, the 300% screen282%11th of 12220%
Construction against capital, the 100% screen82%10th of 1236%
Construction and land development, share of loans12.1%11th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans20.4%8th of 1219.1%
Total CRE, the guidance definition, share of loans41.8%11th of 1234.5%
CRE growth over 36 months, the third prong+14.5%4th of 11+28.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Principal Bank$9.84B1.6%38.0%0.44%0.00%0.2%32.3%5.0%
Capitol Federal Savings Bank$9.68B0.9%52.8%0.62%0.00%0.3%118.5%10.1%
Union Bank & Trust Co.$9.24B1.6%54.7%0.32%0.10%1.6%93.1%10.8%
Bcorp Bank National Association$9.21B2.9%41.3%1.33%1.57%0.9%96.0%9.6%
Pinnacle Bank$9.18B1.4%46.3%0.07%0.00%1.1%84.0%9.7%
Bankers Trust Co.$7.83B1.0%58.5%0.31%0.07%1.4%89.7%9.5%
Equity Bank$7.71B1.4%58.5%1.18%0.11%1.2%85.4%11.6%
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Intrust Bank National Association$6.76B1.3%59.3%0.60%0.04%1.2%73.2%7.4%
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Choice Financial Group$6.38B1.3%55.3%0.68%0.30%1.2%62.7%11.3%
First International Bank & Trust$6.18B1.2%71.0%1.54%0.20%1.0%91.3%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Pinnacle BankCohort median
20212026Change20212026Change
Loans$4.54B$6.83B+50%$3.69B$5.31B+44%
Deposits$6.12B$8.13B+33%$5.46B$6.52B+19%
NPA / loans0.26%0.07%-0.19 pts0.51%0.61%+0.10 pts
Efficiency51.0%46.3%-4.8 pts57.9%56.8%-1.1 pts
ROA1.50%1.44%-0.07 pts1.49%1.35%-0.14 pts

This read was prepared for Pinnacle Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Pinnacle Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks $3B to $10B
Institution www.pinnbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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