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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Pinnacle Bank
Pinnacle Bank (PBNK) investor relations material
Pinnacle Bank has been otc
Pinnacle Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3 net income was $235K, down 78% YoY, while assets rose 10% YoY to $993.6M.
Loan growth was 2% YoY and deposits grew 10% to $864.9M; a $2.8M asset-based lending charge-off contributed to the quarter’s $3.21M provision.
Financial highlights
Q3 interest income was $13.10M, up 6% YoY; net interest income was $9.33M, up 5%.
Q3 net income of $235K compared with $1.08M a year earlier and $1.48M in Q2 2026; diluted EPS was $0.04 vs. $0.18 YoY and $0.25 QoQ.
Q3 provision for loan losses was $3.21M vs. $2.00M YoY; non-interest income was $474K and non-interest expense was $6.28M.
Outlook and guidance
Management emphasized strong liquidity and capital and readiness to support community credit needs through relationship-based banking.
Forward-looking results may be affected by interest-rate fluctuations, inflation, regulation, economic conditions and real estate markets in California and the primary service area.
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Latest events from Pinnacle Bank
- Net income up sequentially, strong deposit growth, but nonperforming assets and non-interest income worsened.PBNK
Q2 2026 - Q1 2026 saw lower earnings but higher assets, deposits, and credit risk.PBNKQ1 2026
- Net income dropped 38% in 2025 as credit loss provisions rose, but capital ratios stayed robust.PBNKQ4 2025
- Q3 2025 net income surged 341% year-over-year, with strong capital ratios and asset growth.PBNKQ3 2025
- Q2 2025 saw higher sequential earnings, robust capital, and rising nonperforming assets.PBNKQ2 2025
- Net income dropped 30% as loan growth was offset by higher credit loss provisions.PBNKQ3 2024
- Net income dipped 5% as assets, loans, and deposits reached new highs in Q2 2024.PBNKQ2 2024
- Net income declined 22% year-over-year, but deposits and capital ratios strengthened.PBNKQ1 2025
- Net income fell 25% as loan loss provisions surged, but capital strength and growth continued.PBNKQ4 2024
Pinnacle Bank
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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.