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Pinnacle Bank (PBNK) investor relations material
Pinnacle Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q1 2026 was $1.32 million, down 31% year-over-year from $1.91 million in Q1 2025.
Total assets grew 6% year-over-year to $945.8 million as of March 31, 2026.
Total deposits increased 6% year-over-year to $823.5 million.
Financial highlights
Interest income for Q1 2026 was $11.83 million, down 2% year-over-year.
Net interest income declined 5% year-over-year to $8.33 million.
Non-interest income rose 23% year-over-year to $0.50 million.
Non-interest expense increased 5% year-over-year to $6.91 million.
Basic and diluted EPS for Q1 2026 were $0.22, down from $0.32 in Q1 2025.
Outlook and guidance
Management emphasized ongoing commitment to relationship-based banking and supporting local businesses and nonprofits.
Forward-looking statements caution about risks from interest rates, inflation, regulation, and economic conditions in California.
- 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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