Pinnacle Bank (PBNK) Q2 2026 earnings summary

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.