Pinnacle Bank (PBNK) Q3 2026 earnings summary

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.