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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Pinnacle Bank (PBNK) investor relations material
Pinnacle Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.17 million, up 14% from the prior quarter but down 20% year-over-year.
Total assets reached $878.1 million, a 3% increase year-over-year.
Deposit growth continued, with total deposits up 2% year-over-year and 4% since year-end 2024.
Financial highlights
Interest income for Q2 2025 was $12.28 million, up 2% sequentially but down 4% year-over-year.
Net interest income rose 2% sequentially to $8.89 million, but fell 6% year-over-year.
Non-interest income increased 48% sequentially but declined 21% year-over-year.
Non-interest expense decreased 1% sequentially but rose 4% year-over-year.
Basic EPS was $0.37, up 15% sequentially but down 21% year-over-year.
Outlook and guidance
Management notes solid economic activity in core markets despite inflation and trade uncertainties.
Forward-looking statements caution about risks from interest rates, inflation, regulation, and California real estate.
What caused the $11.5M nonperforming assets increase?
Strategy for declining gross loans despite deposit growth.
What factors caused the YoY net interest income drop?
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Next Pinnacle Bank earnings date
Q3 202527 Oct, 2025
Next Pinnacle Bank earnings date
Q3 202527 Oct, 2025
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Frequently asked questions
Pinnacle Bank operates as a regional bank, providing a range of banking and financial services to individuals, businesses, and institutions. Its offerings include personal and business banking products such as checking and savings accounts, loans, mortgages, and credit solutions. Pinnacle Bank also delivers specialized services in wealth management, including retirement planning, trust services, and investment management, aimed at helping clients meet their financial objectives. The bank serves customers through a network of branches and digital platforms that offer convenient banking solutions. The company is headquartered in Gilroy, California, and its shares are listed on the OTCQX.
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