Pinnacle Bank
Total assets
$324.4M
▲ +8.6% YoY
Deposits
$268.2M
▲ +3.7% YoY
Loans
$207.9M
▲ +0.2% YoY
Offices
1
IOWA RIVER BCORP INC
ROA (annualized)
1.72%
peers 1.24%
ROE (annualized)
13.34%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Pinnacle Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +0.2% | +5.6% | -5.4 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 13.3% | 11.9% | +1.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
Profile
- Established
- 1927
- Charter
- State
- Primary regulator
- FED
- Holding company
- IOWA RIVER BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 2206 S Center St, Marshalltown, IA, 50158
- County
- Marshall
- Metro area
- Marshalltown, IA
- Offices
- 1
- FDIC cert #
- 252
- RSSD ID
- 365745
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $324.4M | $268.2M | $207.9M | $42.4M | $2.7M | 1.72% | 3.78% | 1.42% |
| Q1 2026 | $313.3M | $269.0M | $209.6M | $40.1M | $1.3M | 1.63% | 3.60% | 1.34% |
| Q4 2025 | $306.6M | $263.4M | $209.2M | $39.5M | $4.6M | 1.51% | 3.60% | 1.42% |
| Q3 2025 | $314.8M | $272.3M | $208.6M | $39.1M | $3.4M | 1.50% | 3.53% | 1.36% |
| Q2 2025 | $298.8M | $258.6M | $207.5M | $36.3M | $2.0M | 1.36% | 3.38% | 1.52% |
| Q1 2025 | $303.9M | $259.5M | $206.2M | $36.1M | $948K | 1.27% | 3.23% | 1.57% |
| Q4 2024 | $291.4M | $246.4M | $205.4M | $35.2M | $3.2M | 1.08% | 3.22% | 0.15% |
| Q3 2024 | $300.7M | $254.5M | $209.4M | $37.2M | $3.2M | 1.43% | 3.44% | 1.06% |
Loan mix (Q2 2026): real estate $176.4M · commercial $26.1M · consumer $3.5M · securities $69.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.4% | 62.9% | 7th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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