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Pinnacle Bank (PBNK) investor relations material
Pinnacle Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.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.
- 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.PBNK
Q1 2026 - Net income dropped 38% in 2025 as credit loss provisions rose, but capital ratios stayed robust.PBNK
Q4 2025 - Q3 2025 net income surged 341% year-over-year, with strong capital ratios and asset growth.PBNK
Q3 2025 - Q2 2025 saw higher sequential earnings, robust capital, and rising nonperforming assets.PBNK
Q2 2025 - Net income dropped 30% as loan growth was offset by higher credit loss provisions.PBNK
Q3 2024 - Net income dipped 5% as assets, loans, and deposits reached new highs in Q2 2024.PBNK
Q2 2024 - Net income declined 22% year-over-year, but deposits and capital ratios strengthened.PBNK
Q1 2025 - Net income fell 25% as loan loss provisions surged, but capital strength and growth continued.PBNK
Q4 2024
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