Pinnacle Bank Mortgage Rates, Fees & Info

Lincoln, NE

LEI: 549300PZ44DNQDPOV865

Tax ID: 47-0098450

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Pinnacle Bank is a smaller bank specializing in Home Purchase and Refi loans. Pinnacle Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Lincoln, Omaha, Columbus, Joplin, and Hastings among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Pinnacle Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Pinnacle Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.62% 11/21/24
    30 Year Conventional Purchase 6.49% 11/21/24
    30 Year Conventional Refi 6.44% 11/21/24
    30 Year Cash-out Refi 6.68% 11/21/24
    30 Year FHA Purchase 6.98% 11/21/24
    30 Year FHA Refi 7.28% 11/21/24
    30 Year VA Purchase 5.92% 11/21/24
    30 Year VA Refi 6.27% 11/21/24
    30 Year USDA Purchase 6.71% 11/21/24
    15 Year Conventional Purchase 6.13% 11/21/24
    15 Year Conventional Refi 5.96% 11/21/24
    15 Year Cash-out Refi 5.96% 11/21/24
    15 Year FHA Purchase 6.76% 11/21/24
    15 Year VA Purchase 6.40% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Pinnacle Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Pinnacle Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,327

    Origination Dollar Volume (All Markets)

    $369,985,000

    Employee count

    790 Show all (21) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LINCOLN, NE (FHA|USDA|VA) 570 $96,910,000 $170,018 $1,542 4.63%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 522 $86,640,000 $165,977 $1,911 4.71%
    Outside of Metro Areas 518 $54,180,000 $104,595 $1,594 4.87%
    Columbus, NE (FHA|USDA|VA) 172 $25,390,000 $147,616 $4,393 4.72%
    JOPLIN, MO (FHA|USDA|VA) 64 $20,620,000 $322,188 $2,308 4.91%
    Hastings, NE (FHA|USDA|VA) 121 $20,545,000 $169,793 $2,426 4.84%
    Fremont, NE (FHA|USDA|VA) 98 $14,390,000 $146,837 $1,705 4.75%
    GRAND ISLAND, NE (FHA|USDA|VA) 74 $8,000,000 $108,108 $1,923 4.89%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $7,505,000 $7,505,000 $0 4.95%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 30 $6,190,000 $206,333 $1,717 5.06%
    Lexington, NE (FHA|USDA|VA) 44 $5,640,000 $128,182 $1,902 4.76%
    Norfolk, NE (FHA|USDA|VA) 11 $4,685,000 $425,909 $1,931 4.78%
    Beatrice, NE (FHA|USDA|VA) 43 $4,175,000 $97,093 $1,196 4.83%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $2,280,000 $570,000 $3,086 4.47%
    LUBBOCK, TX (FHA|USDA|VA) 1 $1,835,000 $1,835,000 $0 4.75%
    Jackson, WY-ID (FHA|USDA|VA) 1 $1,525,000 $1,525,000 $5,106 4.95%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 10 $1,380,000 $138,000 $2,020 4.48%
    Kearney, NE (FHA|USDA|VA) 9 $1,275,000 $141,667 $2,284 5.27%
    Pittsburg, KS (FHA|USDA|VA) 2 $700,000 $350,000 $0 4.88%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $680,000 $340,000 $0 5.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $630,000 $315,000 $2,617 4.19%
    WICHITA, KS (FHA|USDA|VA) 2 $470,000 $235,000 $3,324 4.38%
    Breckenridge, CO (FHA|USDA|VA) 1 $455,000 $455,000 $3,095 4.25%
    Yankton, SD (FHA|USDA|VA) 2 $440,000 $220,000 $1,997 5.04%
    Spirit Lake, IA (FHA|USDA|VA) 1 $425,000 $425,000 $1,590 4.75%
    Salina, KS (FHA|USDA|VA) 4 $380,000 $95,000 $787 4.63%
    GREELEY, CO (FHA|USDA|VA) 1 $325,000 $325,000 $2,608 4.13%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $305,000 $305,000 $2,909 4.50%
    TULSA, OK (FHA|USDA|VA) 1 $295,000 $295,000 $3,625 4.88%
    Scottsbluff, NE (FHA|USDA|VA) 2 $260,000 $130,000 $5,029 4.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $225,000 $225,000 $345 4.75%
    North Platte, NE (FHA|USDA|VA) 2 $220,000 $110,000 $4,576 5.00%
    Outside of Metro Areas 1 $175,000 $175,000 $0 5.25%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.88%
    Ottawa, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,128 4.63%
    FLINT, MI (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
    Warrensburg, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,138 4.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.03%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $85,000 $85,000 $1,754 4.75%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $55,000 $55,000 $1,705 5.00%
    PUEBLO, CO (FHA|USDA|VA) 1 $45,000 $45,000 $2,748 4.75%
    MANHATTAN, KS (FHA|USDA|VA) 1 $15,000 $15,000 $422 3.80%
    Pinnacle Bank's top markets include Lincoln, Omaha, Columbus, Joplin, and Hastings among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Pinnacle Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Home Federal Savings & Loan Association of Grand Island
    Similarity Rank: 50
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68
    KCB Bank
    Similarity Rank: 108
    Southwest Missouri Bank
    Similarity Rank: 144
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 146
    Clay County Savings Bank
    Similarity Rank: 148
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 162
    CHARTER WEST BANK
    Similarity Rank: 246
    Washington County Bank
    Similarity Rank: 255
    MUTUAL FIRST
    Similarity Rank: 297

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,102 $335,770,000 $159,738 $1,613 4.80%
    FHA 99 $13,895,000 $140,354 $4,731 4.36%
    USDA 73 $8,765,000 $120,068 $3,627 4.51%
    VA 53 $11,555,000 $218,019 $4,827 4.19%

    For 2018, Pinnacle Bank's most frequently originated type of loan was Conventional, with 2,102 originations. Their 2nd most popular type was FHA, with 99 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,473 $265,915,000 $180,526 $2,548 4.68%
    Refi 551 $79,835,000 $144,891 $852 4.90%
    Home Improvement 118 $7,050,000 $59,746 $358 5.03%
    Other 112 $5,460,000 $48,750 $404 4.84%
    Cash Out Refi 73 $11,725,000 $160,616 $2,340 4.53%

    For 2018, Pinnacle Bank's most frequently cited loan purpose was Home Purchase, with 1,473 originations. The 2nd most popular reason was Refi, with 551 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 825 $152,255,000 $184,552 $3,198 4.52%
    Other 662 $86,890,000 $131,254 $681 4.86%
    5 Year 413 $40,845,000 $98,898 $315 5.17%
    1 Year 170 $27,260,000 $160,353 $706 5.04%
    15 Year 120 $21,510,000 $179,250 $2,231 4.18%
    10 Year 91 $27,355,000 $300,604 $1,241 4.42%
    20 Year 37 $8,105,000 $219,054 $2,371 4.77%
    3 Year 9 $5,765,000 $640,556 $194 5.03%

    For 2018, Pinnacle Bank's most frequently cited loan duration was 30 Year, with 825 originations. The 2nd most popular length was Other, with 662 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,535 $220,225,000 $143,469
    $1k-2k 153 $27,605,000 $180,425
    $2k-3k 18 $3,210,000 $178,333
    $3k-4k 5 $1,355,000 $271,000
    $5k+ 2 $640,000 $320,000

    Pinnacle Bank's average total fees were $3,198, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,535 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,601 $250,585,000 $156,518
    5-6% 489 $61,145,000 $125,041
    3-4% 195 $55,925,000 $286,795
    6-7% 24 $2,080,000 $86,667
    <2.5% 12 $110,000 $9,167
    Over 8% 5 $105,000 $21,000
    7-8% 1 $35,000 $35,000

    During 2018, Pinnacle Bank's average interest rate for loans was 4.52%, while their most frequently originated rate bucket for loans was 4-5%, with 1,601 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,002 $52,230,000 $52,126 $988 4.95%
    $100k-200k 814 $116,260,000 $142,826 $2,683 4.67%
    $200k-400k 425 $111,885,000 $263,259 $2,386 4.48%
    $400k-600k 56 $25,790,000 $460,536 $2,672 4.57%
    $1MM+ 18 $54,160,000 $3,008,889 $4,239 4.80%
    $600k-1MM 12 $9,660,000 $805,000 $2,001 4.72%

    2018 saw Pinnacle Bank place emphasis on $100,000 or less loans with 1,002 originations, totaling $52,230,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 482 $58,580,000 $121,535 $2,047 4.63%
    $50k or less 402 $33,850,000 $84,204 $1,845 4.79%
    $100k-150k 388 $61,880,000 $159,485 $1,777 4.69%
    $75k-100k 348 $48,530,000 $139,454 $2,808 4.69%
    $150k-250k 237 $45,535,000 $192,131 $1,566 4.73%
    $250k+ 132 $28,230,000 $213,864 $1,196 4.81%

    Pinnacle Bank lent most frequently to those with incomes in the $50k-75k range, with 482 originations. The second most popular income band? $50k or less, with 402 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 520 $68,430,000 $131,596 $2,117 4.70%
    30-36% 377 $51,615,000 $136,910 $1,966 4.66%
    <20% 308 $33,910,000 $110,097 $1,232 4.74%
    40% 65 $11,375,000 $175,000 $2,299 4.51%
    36% 62 $10,600,000 $170,968 $2,183 4.66%
    42% 57 $8,555,000 $150,088 $1,708 4.65%
    41% 57 $9,275,000 $162,719 $2,126 4.51%
    39% 55 $10,125,000 $184,091 $2,249 4.66%
    38% 50 $7,510,000 $150,200 $1,900 4.64%
    37% 44 $6,550,000 $148,864 $1,912 4.52%
    44% 42 $8,200,000 $195,238 $2,271 4.57%
    45% 41 $7,385,000 $180,122 $2,196 4.34%
    43% 37 $5,645,000 $152,568 $2,552 4.63%
    50-60% 36 $4,530,000 $125,833 $2,206 4.66%
    46% 32 $6,190,000 $193,438 $3,112 4.53%
    >60% 24 $4,900,000 $204,167 $682 5.22%
    47% 24 $4,860,000 $202,500 $2,288 4.56%
    48% 22 $3,390,000 $154,091 $2,558 4.55%
    49% 18 $4,040,000 $224,444 $3,152 4.53%

    Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 520 originations. The next most common DTI ratio? 30-36%, with 377 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,891 $260,455,000 $137,734 $1,835 4.71%
    Not applicable 296 $88,630,000 $299,426 $0 5.08%
    Not provided 85 $12,415,000 $146,059 $5,706 4.68%
    Asian 27 $5,055,000 $187,222 $2,035 4.56%
    Black 10 $1,230,000 $123,000 $2,247 4.86%
    American Indian 8 $970,000 $121,250 $3,028 4.81%
    Asian Indian 2 $390,000 $195,000 $2,460 4.19%
    Native Hawaiian or Islander 4 $340,000 $85,000 $1,902 4.63%
    Japanese 1 $235,000 $235,000 $2,091 4.38%
    Other Asian 1 $175,000 $175,000 $0 5.38%
    Chinese 2 $90,000 $45,000 $954 4.63%

    Approval Rates

    Total approvals of all applications
    93.88%

    Pinnacle Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.70%

    Pinnacle Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    100.0 1 $5,000 $5,000
    225.0 3 $65,000 $21,667
    400.0 1 $55,000 $55,000
    NA 2,322 $369,860,000 $159,285

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 63 $61,335,000 $973,571
    Single Family (1-4 Units):Manufactured 35 $2,005,000 $57,286
    Single Family (1-4 Units):Site-Built 2,229 $306,645,000 $137,571

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 264 $22,330,000 $84,583 $645 4.97%
    40-60% 318 $57,610,000 $181,164 $1,296 4.82%
    60-80% 726 $147,890,000 $203,705 $2,293 4.78%
    80-100% 708 $122,730,000 $173,347 $2,754 4.59%
    Over 100% 13 $3,255,000 $250,385 $8,463 4.52%
    Under 20% 290 $15,570,000 $53,690 $381 4.82%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PINNACLE FINANCIAL PARTNERS, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    PINNACLE FINANCIAL PARTNERS, INC. Conventional home mortgage Struggling to pay mortgage 1 33.3%
    PINNACLE FINANCIAL PARTNERS, INC. Other type of mortgage Trouble during payment process 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Pinnacle Bank 1001 Avenue E Wisner, NE 68791 Full Service B&M $32,895
    Pinnacle Bank 1010 S Madison Ste M Webb City, MO 64870 Full Service Retail $11,522
    Pinnacle Bank 1016 Douglas On The Mall Omaha, NE 68102 Full Service B&M $23,142
    Pinnacle Bank 102 East Cary Street Papillion, NE 68046 Full Service B&M $32,743
    Pinnacle Bank 108 South Main Street Madison, NE 68748 Full Service B&M $26,394
    Pinnacle Bank 10805 Q Street Omaha, NE 68137 Full Service B&M $217,292
    Pinnacle Bank 1119 16th Street Aurora, NE 68818 Limited, Drive-thru $0
    Pinnacle Bank 1200 Golden Gate Drive Papillion, NE 68046 Full Service B&M $258,304
    Pinnacle Bank 122 South Walnut Arnold, NE 69120 Full Service B&M $23,550
    Pinnacle Bank 1234 L Street Aurora, NE 68818 Full Service B&M $134,176
    Pinnacle Bank 12350 Southport Parkway Lavista, NE 68128 Full Service B&M $32,349
    Pinnacle Bank 13131 W Dodge Road Omaha, NE 68154 Full Service B&M $138,058
    Pinnacle Bank 1316 East 32nd Street Joplin, MO 64804 Limited, Drive-thru $5,994
    Pinnacle Bank 1401 N Street Lincoln, NE 68508 Full Service B&M $159,365
    Pinnacle Bank 143 East 13th Street Crete, NE 68333 Full Service B&M $95,380
    Pinnacle Bank 1500 North Buckeye Abilene, KS 67410 Limited, Drive-thru $0
    Pinnacle Bank 1520 East 23rd Fremont, NE 68025 Limited, Drive-thru $0
    Pinnacle Bank 1601 North 84th Street Lincoln, NE 68505 Full Service B&M $4,694
    Pinnacle Bank 1605 Denver Street Schuyler, NE 68661 Limited, Drive-thru $0
    Pinnacle Bank 1651 West 7th Street Suite 1 Joplin, MO 64801 Full Service B&M $6,817
    Pinnacle Bank 16821 Audrey Street Omaha, NE 68136 Full Service B&M $24,703
    Pinnacle Bank 1776 South 70th Street Lincoln, NE 68506 Full Service B&M $44,290
    Pinnacle Bank 18081 Burt Street Elkhorn, NE 68022 Full Service B&M $52,351
    Pinnacle Bank 201 East 2nd Street Ogallala, NE 69153 Full Service B&M $94,356
    Pinnacle Bank 201 Sun Valley Blvd. Lincoln, NE 68528 Full Service B&M $12,834
    Pinnacle Bank 20320 Veterans Drive Elkhorn, NE 68022 Full Service B&M $27,999
    Pinnacle Bank 20544 Husker Drive Gretna, NE 68028 Full Service Cyber Office $9,140
    Pinnacle Bank 206 East 6th Street Lexington, NE 68850 Limited, Drive-thru $0
    Pinnacle Bank 210 E 23rd Street Columbus, NE 68601 Full Service B&M $0
    Pinnacle Bank 215 North Walnut Shelby, NE 68662 Full Service B&M $36,096
    Pinnacle Bank 218 Main Street Louisville, NE 68037 Full Service B&M $67,699
    Pinnacle Bank 2433 Range Line Joplin, MO 64801 Full Service B&M $24,436
    Pinnacle Bank 26500 E Colbern Road Lake Lotawana, MO 64086 Full Service B&M $57,416
    Pinnacle Bank 2661 33rd Avenue Columbus, NE 68601 Limited, Mobile/Seasonal Office $0
    Pinnacle Bank 2661 33rd Avenue Columbus, NE 68601 Full Service B&M $146,816
    Pinnacle Bank 2703 Folkways Blvd Lincoln, NE 68504 Full Service B&M $46,872
    Pinnacle Bank 301 East 11th Street Schuyler, NE 68661 Full Service B&M $127,267
    Pinnacle Bank 301 Smith Elwood, NE 68937 Full Service B&M $28,566
    Pinnacle Bank 320 G Street Central City, NE 68826 Full Service B&M $56,117
    Pinnacle Bank 320 North State Street Osceola, NE 68651 Full Service B&M $49,619
    Pinnacle Bank 324 Main Street Neligh, NE 68756 Full Service B&M $65,824
    Pinnacle Bank 345 Central Avenue Grant, NE 69140 Full Service B&M $58,188
    Pinnacle Bank 3939 South Street Lincoln, NE 68506 Full Service B&M $80,676
    Pinnacle Bank 400 Main Street Verdigre, NE 68783 Full Service B&M $17,938
    Pinnacle Bank 400 Tate Avenue Hayes Center, NE 69032 Full Service B&M $19,822
    Pinnacle Bank 401 4th And Main Street Humphrey, NE 68642 Full Service B&M $4,229
    Pinnacle Bank 401 North Spruce Street Abilene, KS 67410 Full Service B&M $95,471
    Pinnacle Bank 408 D Street Fairfield, NE 68938 Full Service B&M $10,493
    Pinnacle Bank 410 North Washington Street Lexington, NE 68850 Full Service B&M $114,701
    Pinnacle Bank 424 Main St Neligh, NE 68756 Limited, Drive-thru $0
    Pinnacle Bank 4251 South 144th Street Omaha, NE 68137 Full Service B&M $16,390
    Pinnacle Bank 429 East Douglas Oneill, NE 68763 Full Service B&M $143,761
    Pinnacle Bank 447 Broadway Imperial, NE 69033 Full Service B&M $81,855
    Pinnacle Bank 450 West 23rd St Fremont, NE 68025 Limited, Drive-thru $0
    Pinnacle Bank 501 Cross Street Sarcoxie, MO 64862 Full Service B&M $17,399
    Pinnacle Bank 5010 O Street Lincoln, NE 68504 Full Service Retail $4,993
    Pinnacle Bank 523 Court Street Beatrice, NE 68310 Full Service B&M $99,479
    Pinnacle Bank 523 North Sixth Street Beatrice, NE 68310 Limited, Drive-thru $0
    Pinnacle Bank 530 North Burlington Avenue Hastings, NE 68901 Full Service B&M $74,585
    Pinnacle Bank 5651 South 59th St Lincoln, NE 68510 Full Service B&M $44,020
    Pinnacle Bank 600 Q Street Lincoln, NE 68528 Full Service B&M $1,066
    Pinnacle Bank 601 Chief Street Benkelman, NE 69021 Full Service B&M $42,897
    Pinnacle Bank 602 West B Street Mccook, NE 69001 Full Service B&M $56,610
    Pinnacle Bank 611 Pinnacle Drive Papillion, NE 68046 Full Service B&M $25,844
    Pinnacle Bank 6145 Havelock Avenue Lincoln, NE 68507 Full Service B&M $87,108
    Pinnacle Bank 7000 Adams Street Lincoln, NE 68507 Full Service B&M $32,590
    Pinnacle Bank 7001 South 27th St Lincoln, NE 68512 Full Service B&M $103,521
    Pinnacle Bank 802 Main Street Joplin, MO 64801 Full Service B&M $85,303
    Pinnacle Bank 817 Village Square Gretna, NE 68028 Full Service B&M $136,624
    Pinnacle Bank 8401 West Dodge Road Omaha, NE 68114 Full Service B&M $33,151
    Pinnacle Bank 910 East South Street Hastings, NE 68901 Limited, Drive-thru $5,525
    Pinnacle Bank 912 Commercial Street Palmer, NE 68864 Full Service B&M $32,201
    Pinnacle Bank 99 West Sixth Street Fremont, NE 68025 Full Service B&M $261,141
    Pinnacle Bank Callum Drive Waverly, NE 68462 Full Service B&M $6,722
    Pinnacle Bank Lincoln And Davis Streets Roseland, NE 68973 Full Service B&M $10,493

    For 2018, Pinnacle Bank had 75 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $188,597
    Net interest income $164,604
    Total noninterest income $28,011
    Gross Fiduciary activities income $2,083
    Service charges on deposit accounts $9,287
    Trading account gains and fees $0
    Additional Noninterest Income $16,641
    Pre-tax net operating income $86,626
    Securities gains (or losses, -) $451
    Income before extraordinary items $82,568
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $82,568
    Minority interest net income $0
    Net income $82,568
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $82,139

    Pinnacle Bank's gross interest income from loans was $188,597,000.
    Pinnacle Bank's net interest income from loans was $164,604,000.
    Pinnacle Bank's fee based income from loans was $9,287,000.
    Pinnacle Bank's net income from loans was $82,568,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,993
    Provision for credit losses $3,520
    Total noninterest expense $102,469
    Salaries and employee benefits $55,417
    Premises and equipment expense $9,950
    Additional noninterest expense $37,102
    Applicable income taxes $4,509
    Net charge-offs $590
    Cash dividends $51,500

    Pinnacle Bank's interest expense for loans was $23,993,000.
    Pinnacle Bank's payroll and benefits expense were $55,417,000.
    Pinnacle Bank's property, plant and equipment expenses $9,950,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,074,843
    Deposits held in domestic offices $4,074,843
    Deposits by Individuals, partnerships, and corporations $3,649,264
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $424,802
    Deposits by Commercial banks and other depository institutions in U.S. $772
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $664,839
    Demand deposits $513,664
    Nontransaction accounts $3,410,004
    Money market deposit accounts (MMDAs) $2,068,386
    Other savings deposits (excluding MMDAs) $513,526
    Total time deposits $828,092
    Total time and savings deposits $3,561,179
    Noninterest-bearing deposits $500,448
    Interest-bearing deposits $3,574,395
    Retail deposits $3,801,005
    IRAs and Keogh plan accounts $109,966
    Brokered deposits $87,364
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,729,390
    Cash & Balances due from depository institutions $123,927
    Interest-bearing balances $9,178
    Total securities $620,743
    Federal funds sold & reverse repurchase $22,751
    Net loans and leases $3,783,270
    Loan and leases loss allowance $55,151
    Trading account assets $0
    Bank premises and fixed assets $68,875
    Other real estate owned $1,392
    Goodwill and other intangibles $26,434
    All other assets $81,998

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,729,390
    Total Liabilities $4,235,046
    Total deposits $4,074,843
    Interest-bearing deposits $3,574,395
    Deposits held in domestic offices $4,074,843
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $71,161
    Trading liabilities $0
    Other borrowed funds $49,260
    Subordinated debt $0
    All other liabilities $39,782

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,783,270
    Loan and leases loss allowance $55,151
    Total loans and leases (domestic) $3,838,421
    All real estate loans $2,822,625
    Real estate loans in domestic offices $2,822,625
    Construction and development loans $416,250
    Residential 1-4 family construction $118,812
    Other construction, all land development and other land $297,438
    Loans secured by nonfarm nonresidential properties $1,160,039
    Nonfarm nonresidential secured by owner-occupied properties $425,129
    Commercial real estate & other non-farm, non-residential $734,910
    Multifamily residential real estate $195,717
    1-4 family residential loans $533,522
    Farmland loans $517,097
    Loans held in foreign offices $0
    Farm loans $611,736
    Commercial and industrial loans $310,527
    To non-U.S. addressees $0
    Loans to individuals $73,373
    Credit card loans $4,934
    Related Plans $1,879
    Consumer Auto Loans $37,160
    Other loans to individuals $29,400
    All other loans & leases $21,763
    Loans to foreign governments and official institutions $0
    Other loans $3,836
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $3,662
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $423
    Non 1-4 family restructured loans & leases $12
    Total loans and leases (foreign) $0

    Pinnacle Bank had $3,783,270,000 of loans outstanding in 2018. $2,822,625,000 of loans were in real estate loans. $416,250,000 of loans were in development loans. $195,717,000 of loans were in multifamily mortgage loans. $533,522,000 of loans were in 1-4 family mortgage loans. $611,736,000 of loans were in farm loans. $4,934,000 of loans were in credit card loans. $37,160,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,019 $173,520 $170,285
    Nonfarm, nonresidential loans - <$100k 344 $12,934 $37,599
    Nonfarm, nonresidential loans - $100-250k 330 $29,221 $88,548
    Nonfarm, nonresidential loans - $250k-1MM 345 $131,365 $380,768
    Commercial & Industrial, US addressed loans - <$1MM 2,286 $137,660 $60,219
    Commercial & Industrial, US addressed loans - <$100k 1,563 $28,282 $18,095
    Commercial & Industrial, US addressed loans - $100-250k 391 $33,845 $86,560
    Commercial & Industrial, US addressed loans - $250k-1MM 332 $75,533 $227,509
    Farmland loans - <$1MM 964 $139,427 $144,634
    Farmland loans - <$100k 287 $11,294 $39,352
    Farmland loans - $100-250k 393 $49,371 $125,626
    Farmland loans - $250k-1MM 284 $78,762 $277,331
    Agriculture operations loans - <$1MM 1,585 $129,885 $81,946
    Agriculture operations loans - <$100k 865 $19,027 $21,997
    Agriculture operations loans - $100-250k 381 $36,442 $95,648
    Agriculture operations loans - $250k-1MM 339 $74,416 $219,516