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Pinnacle Bank
Pinnacle Bank (PBNK) investor relations material
Pinnacle Bank has been otc
Pinnacle Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Net income for 2025 was $5.45 million, down 38.4% year-over-year from $8.85 million in 2024.
Fourth quarter 2025 net income was $287,000, compared to $3.42 million in Q4 2024.
A $4.223 million provision for loan losses was recorded in Q4 2025 to address credit issues in asset-based lending and hospitality portfolios.
Financial highlights
Total assets grew 5% year-over-year to $890.4 million as of December 31, 2025.
Gross loans decreased 3% year-over-year to $583.4 million, but increased 3% sequentially from Q3 2025.
Allowance for loan losses rose to $13.15 million (2.27% of net loans) from $7.35 million (1.23%) a year ago.
Total deposits increased 5% year-over-year to $765.8 million.
Net interest income declined 7.6% year-over-year to $35.11 million.
Non-interest expense decreased 3.2% year-over-year to $23.33 million.
Basic EPS was $0.92, down from $1.52 in 2024.
Outlook and guidance
Management remains focused on organic growth and building quality relationships, emphasizing business banking in local communities.
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Latest events from Pinnacle Bank
- Q3 2025 net income surged 341% year-over-year, with strong capital ratios and asset growth.PBNK
Q3 202525 Nov 2025 - Q2 2025 saw higher sequential earnings, robust capital, and rising nonperforming assets.PBNKQ2 202518 Aug 2025
- Net income dropped 30% as loan growth was offset by higher credit loss provisions.PBNKQ3 202413 Jun 2025
- Net income dipped 5% as assets, loans, and deposits reached new highs in Q2 2024.PBNKQ2 202413 Jun 2025
- Net income declined 22% year-over-year, but deposits and capital ratios strengthened.PBNKQ1 20256 Jun 2025
- Net income fell 25% as loan loss provisions surged, but capital strength and growth continued.PBNKQ4 20245 Jun 2025
Next Pinnacle Bank earnings date
Q1 202627 Apr, 2026
Pinnacle Bank
Next Pinnacle Bank earnings date
Q1 202627 Apr, 2026
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