Pinnacle Bank (PBNK) Q3 2025 earnings summary

Executive summary

• Net income for Q3 2025 was $1.08 million, up from $244,000 in Q3 2024, a 341% year-over-year increase.

• Total assets grew 2% year-over-year to $905.7 million as of September 30, 2025.

• Book value per share increased 9% year-over-year to $17.81.

Financial highlights

• Interest income for Q3 2025 was $12.36 million, down 6% from Q3 2024.

• Net interest income for Q3 2025 was $8.88 million, down 6% year-over-year.

• Provision for loan losses in Q3 2025 was $2 million, compared to $3.43 million in Q3 2024.

• Non-interest expense for Q3 2025 was $5.93 million, down 4% year-over-year.

• Net income for the nine months ended September 30, 2025 was $5.16 million, down 5% from the prior year period.

Outlook and guidance

• Management emphasizes relationship banking and continued focus on personalized service to drive shareholder value.

• Forward-looking statements note risks from interest rates, inflation, regulations, and real estate market conditions.