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Pinnacle Bank (PBNK) investor relations material
Pinnacle Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q2 2026 was $1.48 million, up 12% from the prior quarter and down 32% year-over-year.
Total assets reached $937.0 million as of June 30, 2026, a 7% increase year-over-year.
Deposit growth of 7% year-over-year, reflecting strong client relationships and trust.
Financial highlights
Total loans grew 2% year-over-year to $576.4 million.
Allowance for loan losses increased to $7.293 million, or 1.27% of net loans.
Net interest income for Q2 2026 was $8.15 million, down 2% from the prior quarter and down 8% year-over-year.
Non-interest income for Q2 2026 was $46,000, down 91% year-over-year.
Book value per share rose to $18.34, up 4% year-over-year.
Outlook and guidance
Management remains optimistic about continued momentum and strong client relationships.
Forward-looking statements caution about risks from interest rates, inflation, regulations, and economic conditions.
- Q1 2026 saw lower earnings but higher assets, deposits, and credit risk.PBNK
Q1 202628 May 2026 - Net income dropped 38% in 2025 as credit loss provisions rose, but capital ratios stayed robust.PBNK
Q4 202520 Feb 2026 - 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.PBNK
Q2 202518 Aug 2025 - Net income dropped 30% as loan growth was offset by higher credit loss provisions.PBNK
Q3 202413 Jun 2025 - Net income dipped 5% as assets, loans, and deposits reached new highs in Q2 2024.PBNK
Q2 202413 Jun 2025 - Net income declined 22% year-over-year, but deposits and capital ratios strengthened.PBNK
Q1 20256 Jun 2025 - Net income fell 25% as loan loss provisions surged, but capital strength and growth continued.PBNK
Q4 20245 Jun 2025
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