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

Jump to:

  • 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, Dallas, Columbus, and Hastings among others. We have data for 44 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 an above 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% 4/14/24
    30 Year Conventional Purchase 6.49% 4/14/24
    30 Year Conventional Refi 6.44% 4/14/24
    30 Year Cash-out Refi 6.68% 4/14/24
    30 Year FHA Purchase 6.98% 4/14/24
    30 Year FHA Refi 7.28% 4/14/24
    30 Year VA Purchase 5.92% 4/14/24
    30 Year VA Refi 6.27% 4/14/24
    30 Year USDA Purchase 6.71% 4/14/24
    15 Year Conventional Purchase 6.13% 4/14/24
    15 Year Conventional Refi 5.96% 4/14/24
    15 Year Cash-out Refi 5.96% 4/14/24
    15 Year FHA Purchase 6.76% 4/14/24
    15 Year VA Purchase 6.40% 4/14/24
    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

    2,690

    Origination Dollar Volume (All Markets)

    $573,980,000

    Employee count

    879 Show all (27) 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) 715 $151,465,000 $211,839 $1,491 4.26%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 624 $151,250,000 $242,388 $2,276 4.22%
    Outside of Metro Areas 563 $63,885,000 $113,472 $1,627 4.80%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $42,560,000 $21,280,000 $2,686 3.56%
    Columbus, NE (FHA|USDA|VA) 172 $27,010,000 $157,035 $2,839 4.34%
    Hastings, NE (FHA|USDA|VA) 144 $21,440,000 $148,889 $2,334 4.60%
    Fremont, NE (FHA|USDA|VA) 118 $19,460,000 $164,915 $1,909 4.64%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 34 $19,390,000 $570,294 $1,963 4.49%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $11,830,000 $5,915,000 $2,157 4.78%
    JOPLIN, MO (FHA|USDA|VA) 70 $10,410,000 $148,714 $2,074 4.73%
    GRAND ISLAND, NE (FHA|USDA|VA) 63 $9,585,000 $152,143 $2,058 4.45%
    Norfolk, NE (FHA|USDA|VA) 24 $8,700,000 $362,500 $1,837 4.74%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $7,100,000 $3,550,000 $3,525 4.14%
    Lexington, NE (FHA|USDA|VA) 51 $6,905,000 $135,392 $1,695 4.79%
    Beatrice, NE (FHA|USDA|VA) 42 $4,710,000 $112,143 $1,116 4.76%
    LUBBOCK, TX (FHA|USDA|VA) 1 $2,305,000 $2,305,000 $0 5.25%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $1,955,000 $1,955,000 $0 4.60%
    MANHATTAN, KS (FHA|USDA|VA) 5 $1,815,000 $363,000 $1,301 5.18%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,685,000 $337,000 $2,262 4.45%
    SPRINGFIELD, MO (FHA|USDA|VA) 5 $1,155,000 $231,000 $2,345 4.62%
    Kearney, NE (FHA|USDA|VA) 7 $945,000 $135,000 $1,920 4.58%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 7 $915,000 $130,714 $1,720 4.76%
    Ottawa, KS (FHA|USDA|VA) 1 $855,000 $855,000 $0 5.35%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $705,000 $235,000 $2,500 3.63%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $545,000 $545,000 $0 5.25%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $485,000 $485,000 $2,704 3.25%
    Breckenridge, CO (FHA|USDA|VA) 1 $485,000 $485,000 $2,530 4.75%
    North Platte, NE (FHA|USDA|VA) 6 $470,000 $78,333 $1,087 4.95%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $445,000 $445,000 $2,726 3.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $425,000 $425,000 $4,559 4.38%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $420,000 $210,000 $2,336 4.19%
    Spirit Lake, IA (FHA|USDA|VA) 2 $350,000 $175,000 $2,427 4.00%
    Salina, KS (FHA|USDA|VA) 3 $295,000 $98,333 $2,833 4.96%
    GREELEY, CO (FHA|USDA|VA) 1 $265,000 $265,000 $2,710 3.63%
    Vermillion, SD (FHA|USDA|VA) 1 $255,000 $255,000 $2,795 4.50%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $205,000 $205,000 $3,436 3.25%
    Gaffney, SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,816 3.88%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.25%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $145,000 $145,000 $2,329 4.63%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,316 4.50%
    Yankton, SD (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.50%
    Miami, OK (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.50%
    WICHITA, KS (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
    Pinnacle Bank's top markets include Lincoln, Omaha, Dallas, Columbus, and Hastings among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Kansas (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: 90
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 110
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 141
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 160
    Southwest Missouri Bank
    Similarity Rank: 176
    ARAPAHOE CREDIT UNION
    Similarity Rank: 256
    MUTUAL FIRST
    Similarity Rank: 276
    LIBERTY FIRST
    Similarity Rank: 351
    The District Federal Credit Union
    Similarity Rank: 372
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 416

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,444 $530,790,000 $217,181 $1,587 4.52%
    FHA 102 $16,600,000 $162,745 $5,054 3.82%
    VA 73 $17,795,000 $243,767 $3,720 3.48%
    USDA 71 $8,795,000 $123,873 $3,527 3.92%

    For 2019, Pinnacle Bank's most frequently originated type of loan was Conventional, with 2,444 originations. Their 2nd most popular type was FHA, with 102 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,500 $371,750,000 $247,833 $2,539 4.42%
    Refi 833 $157,415,000 $188,974 $1,097 4.49%
    Cash Out Refi 156 $34,570,000 $221,603 $2,344 3.90%
    Home Improvement 105 $4,685,000 $44,619 $368 4.93%
    Other 96 $5,560,000 $57,917 $523 5.06%

    For 2019, Pinnacle Bank's most frequently cited loan purpose was Home Purchase, with 1,500 originations. The 2nd most popular reason was Refi, with 833 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,131 $238,265,000 $210,668 $2,586 3.94%
    Other 636 $93,400,000 $146,855 $678 5.01%
    5 Year 392 $78,370,000 $199,923 $303 5.25%
    15 Year 182 $37,460,000 $205,824 $2,165 3.55%
    1 Year 176 $28,320,000 $160,909 $129 5.26%
    10 Year 103 $74,895,000 $727,136 $804 4.03%
    20 Year 59 $11,355,000 $192,458 $2,038 3.92%
    3 Year 11 $11,915,000 $1,083,182 $326 5.23%

    For 2019, Pinnacle Bank's most frequently cited loan duration was 30 Year, with 1,131 originations. The 2nd most popular length was Other, with 636 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,731 $286,755,000 $165,659
    $1k-2k 377 $77,505,000 $205,584
    $2k-3k 20 $3,940,000 $197,000
    $3k-4k 3 $905,000 $301,667
    $4k-5k 2 $1,280,000 $640,000
    $5k+ 1 $365,000 $365,000

    Pinnacle Bank's average total fees were $2,586, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,731 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,042 $225,450,000 $216,363
    3-4% 913 $260,765,000 $285,613
    5-6% 614 $66,810,000 $108,811
    2.5-3% 63 $18,565,000 $294,683
    6-7% 27 $1,905,000 $70,556
    <2.5% 21 $225,000 $10,714
    Over 8% 6 $70,000 $11,667
    7-8% 4 $190,000 $47,500

    During 2019, Pinnacle Bank's average interest rate for loans was 3.94%, while their most frequently originated rate bucket for loans was 4-5%, with 1,042 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 948 $138,710,000 $146,319 $2,315 4.36%
    $100,000 or less 899 $45,735,000 $50,873 $916 4.98%
    $200k-400k 712 $192,890,000 $270,913 $2,286 3.98%
    $400k-600k 98 $44,540,000 $454,490 $2,154 3.89%
    $1MM+ 23 $144,455,000 $6,280,652 $1,962 4.48%
    $600k-1MM 10 $7,650,000 $765,000 $1,140 4.86%

    2019 saw Pinnacle Bank place emphasis on $100k-200k loans with 948 originations, totaling $138,710,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 546 $104,790,000 $191,923 $1,956 4.35%
    $50k-75k 536 $71,320,000 $133,060 $2,026 4.36%
    $75k-100k 417 $67,555,000 $162,002 $1,830 4.30%
    $50k or less 404 $37,660,000 $93,218 $1,859 4.62%
    $150k-250k 281 $62,025,000 $220,730 $1,954 4.28%
    $250k+ 128 $34,760,000 $271,563 $1,671 4.41%

    Pinnacle Bank lent most frequently to those with incomes in the $100k-150k range, with 546 originations. The second most popular income band? $50k-75k, with 536 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 663 $105,635,000 $159,329 $1,758 4.33%
    30-36% 441 $72,915,000 $165,340 $2,078 4.31%
    <20% 360 $54,010,000 $150,028 $1,413 4.47%
    36% 91 $15,845,000 $174,121 $1,908 4.29%
    39% 90 $17,040,000 $189,333 $2,091 4.28%
    37% 79 $12,705,000 $160,823 $2,159 4.32%
    38% 77 $12,865,000 $167,078 $1,775 4.42%
    40% 76 $14,750,000 $194,079 $2,380 4.24%
    43% 56 $10,760,000 $192,143 $2,120 4.38%
    42% 50 $10,890,000 $217,800 $2,871 3.96%
    41% 49 $7,875,000 $160,714 $1,800 4.40%
    44% 46 $8,050,000 $175,000 $2,485 4.15%
    50-60% 39 $5,155,000 $132,179 $2,141 4.69%
    47% 32 $5,560,000 $173,750 $2,512 4.41%
    46% 30 $5,530,000 $184,333 $2,530 3.99%
    45% 28 $5,610,000 $200,357 $2,474 4.23%
    49% 25 $5,005,000 $200,200 $2,643 4.23%
    48% 24 $4,790,000 $199,583 $2,289 4.26%
    >60% 21 $4,005,000 $190,714 $765 5.23%

    Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 663 originations. The next most common DTI ratio? 30-36%, with 441 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,281 $372,395,000 $163,260 $1,926 4.39%
    Not applicable 272 $175,930,000 $646,801 $467 5.09%
    Not provided 89 $15,015,000 $168,708 $1,746 4.22%
    Asian 24 $5,120,000 $213,333 $1,364 4.11%
    Black 16 $3,620,000 $226,250 $1,814 4.56%
    American Indian 5 $1,185,000 $237,000 $2,132 3.95%
    Korean 1 $435,000 $435,000 $1,960 4.25%
    Asian Indian 1 $175,000 $175,000 $2,324 3.88%
    Filipino 1 $105,000 $105,000 $3,136 3.88%

    Approval Rates

    Total approvals of all applications
    94.60%

    Pinnacle Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.00%

    Pinnacle Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 3 $345,000 $115,000
    225.0 4 $50,000 $12,500
    300.0 1 $195,000 $195,000
    NA 2,682 $573,390,000 $213,792

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 79 $151,195,000 $1,913,861
    Single Family (1-4 Units):Manufactured 33 $2,095,000 $63,485
    Single Family (1-4 Units):Site-Built 2,578 $420,690,000 $163,185

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 287 $35,035,000 $122,073 $719 5.06%
    40-60% 351 $67,805,000 $193,177 $1,421 4.70%
    60-80% 919 $231,785,000 $252,214 $1,731 4.40%
    80-100% 869 $224,555,000 $258,406 $2,725 4.09%
    Over 100% 11 $2,875,000 $261,364 $6,157 4.09%
    Under 20% 252 $11,770,000 $46,706 $274 4.85%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Pinnacle Finance LLC Other type of mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Pinnacle Bank 1001 Avenue E Wisner, NE 68791 Full Service B&M $49,412
    Pinnacle Bank 1010 S Madison Ste M Webb City, MO 64870 Full Service Retail $13,843
    Pinnacle Bank 1016 Douglas On The Mall Omaha, NE 68102 Full Service B&M $21,332
    Pinnacle Bank 102 East Cary Street Papillion, NE 68046 Full Service B&M $33,459
    Pinnacle Bank 108 South Main Street Madison, NE 68748 Full Service B&M $48,454
    Pinnacle Bank 10805 Q Street Omaha, NE 68137 Full Service B&M $245,326
    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 $246,312
    Pinnacle Bank 122 South Walnut Arnold, NE 69120 Full Service B&M $22,759
    Pinnacle Bank 1234 L Street Aurora, NE 68818 Full Service B&M $142,252
    Pinnacle Bank 12350 Southport Parkway Lavista, NE 68128 Full Service B&M $33,961
    Pinnacle Bank 13131 W Dodge Road Omaha, NE 68154 Full Service B&M $158,806
    Pinnacle Bank 1316 East 32nd Street Joplin, MO 64804 Limited, Drive-thru $5,611
    Pinnacle Bank 1401 N Street Lincoln, NE 68508 Full Service B&M $183,373
    Pinnacle Bank 143 East 13th Street Crete, NE 68333 Full Service B&M $104,248
    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 $5,143
    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 $7,724
    Pinnacle Bank 16821 Audrey Street Omaha, NE 68136 Full Service B&M $29,407
    Pinnacle Bank 1776 South 70th Street Lincoln, NE 68506 Full Service B&M $43,346
    Pinnacle Bank 18081 Burt Street Elkhorn, NE 68022 Full Service B&M $56,898
    Pinnacle Bank 201 East 2nd Street Ogallala, NE 69153 Full Service B&M $98,131
    Pinnacle Bank 201 Sun Valley Blvd. Lincoln, NE 68528 Full Service B&M $14,662
    Pinnacle Bank 20320 Veterans Drive Elkhorn, NE 68022 Full Service B&M $29,666
    Pinnacle Bank 20544 Husker Drive Gretna, NE 68028 Full Service Cyber Office $8,024
    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 $40,951
    Pinnacle Bank 218 Main Street Louisville, NE 68037 Full Service B&M $75,579
    Pinnacle Bank 2433 Range Line Joplin, MO 64801 Full Service B&M $27,291
    Pinnacle Bank 26500 E Colbern Road Lake Lotawana, MO 64086 Full Service B&M $58,686
    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 $156,494
    Pinnacle Bank 2703 Folkways Blvd Lincoln, NE 68504 Full Service B&M $48,238
    Pinnacle Bank 301 East 11th Street Schuyler, NE 68661 Full Service B&M $148,399
    Pinnacle Bank 301 Smith Elwood, NE 68937 Full Service B&M $30,062
    Pinnacle Bank 320 G Street Central City, NE 68826 Full Service B&M $61,047
    Pinnacle Bank 320 North State Street Osceola, NE 68651 Full Service B&M $51,494
    Pinnacle Bank 324 Main Street Neligh, NE 68756 Full Service B&M $66,787
    Pinnacle Bank 345 Central Avenue Grant, NE 69140 Full Service B&M $61,807
    Pinnacle Bank 3939 South Street Lincoln, NE 68506 Full Service B&M $82,485
    Pinnacle Bank 400 Main Street Verdigre, NE 68783 Full Service B&M $18,358
    Pinnacle Bank 400 Tate Avenue Hayes Center, NE 69032 Full Service B&M $19,487
    Pinnacle Bank 401 4th And Main Street Humphrey, NE 68642 Full Service B&M $7,956
    Pinnacle Bank 401 North Spruce Street Abilene, KS 67410 Full Service B&M $97,342
    Pinnacle Bank 408 D Street Fairfield, NE 68938 Full Service B&M $11,417
    Pinnacle Bank 410 North Washington Street Lexington, NE 68850 Full Service B&M $120,383
    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 $19,180
    Pinnacle Bank 429 East Douglas Oneill, NE 68763 Full Service B&M $151,792
    Pinnacle Bank 447 Broadway Imperial, NE 69033 Full Service B&M $87,998
    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 $18,041
    Pinnacle Bank 5010 O Street Lincoln, NE 68504 Full Service Retail $5,245
    Pinnacle Bank 502 North Cedar Street Abilene, KS 67410 Limited, Drive-thru $0
    Pinnacle Bank 523 Court Street Beatrice, NE 68310 Full Service B&M $103,179
    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 $101,186
    Pinnacle Bank 5651 South 59th St Lincoln, NE 68510 Full Service B&M $51,160
    Pinnacle Bank 600 Q Street Lincoln, NE 68528 Full Service B&M $1,075
    Pinnacle Bank 601 Chief Street Benkelman, NE 69021 Full Service B&M $45,411
    Pinnacle Bank 602 West B Street Mccook, NE 69001 Full Service B&M $69,295
    Pinnacle Bank 611 Pinnacle Drive Papillion, NE 68046 Full Service B&M $30,754
    Pinnacle Bank 6145 Havelock Avenue Lincoln, NE 68507 Full Service B&M $85,694
    Pinnacle Bank 7000 Adams Street Lincoln, NE 68507 Full Service B&M $36,470
    Pinnacle Bank 7001 South 27th St Lincoln, NE 68512 Full Service B&M $118,231
    Pinnacle Bank 802 Main Street Joplin, MO 64801 Full Service B&M $88,997
    Pinnacle Bank 8040 West Dodge Road Omaha, NE 68114 Full Service B&M $38,056
    Pinnacle Bank 817 Village Square Gretna, NE 68028 Full Service B&M $135,050
    Pinnacle Bank 910 East South Street Hastings, NE 68901 Limited, Drive-thru $5,561
    Pinnacle Bank 912 Commercial Street Palmer, NE 68864 Full Service B&M $47,203
    Pinnacle Bank 99 West Sixth Street Fremont, NE 68025 Full Service B&M $250,838
    Pinnacle Bank Callum Drive, 13240 Callum Drive Waverly, NE 68462 Full Service B&M $9,361
    Pinnacle Bank Lincoln And Davis Streets Roseland, NE 68973 Full Service B&M $11,016

    For 2019, Pinnacle Bank had 76 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $211,804
    Net interest income $170,794
    Total noninterest income $38,030
    Gross Fiduciary activities income $2,256
    Service charges on deposit accounts $9,066
    Trading account gains and fees $0
    Additional Noninterest Income $26,708
    Pre-tax net operating income $91,432
    Securities gains (or losses, -) $-1
    Income before extraordinary items $72,716
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $72,716
    Minority interest net income $0
    Net income $72,716
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $72,716

    Pinnacle Bank's gross interest income from loans was $211,804,000.
    Pinnacle Bank's net interest income from loans was $170,794,000.
    Pinnacle Bank's fee based income from loans was $9,066,000.
    Pinnacle Bank's net income from loans was $72,716,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $41,010
    Provision for credit losses $2,150
    Total noninterest expense $115,242
    Salaries and employee benefits $64,538
    Premises and equipment expense $12,257
    Additional noninterest expense $38,447
    Applicable income taxes $18,715
    Net charge-offs $1,192
    Cash dividends $7,000

    Pinnacle Bank's interest expense for loans was $41,010,000.
    Pinnacle Bank's payroll and benefits expense were $64,538,000.
    Pinnacle Bank's property, plant and equipment expenses $12,257,000.

    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 0.2%
    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 $4,564,292
    Deposits held in domestic offices $4,564,292
    Deposits by Individuals, partnerships, and corporations $4,170,911
    Deposits by U.S. Government $8
    Deposits by States and political subdivisions in the U.S. $391,356
    Deposits by Commercial banks and other depository institutions in U.S. $2,018
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $764,751
    Demand deposits $585,955
    Nontransaction accounts $3,799,542
    Money market deposit accounts (MMDAs) $2,322,001
    Other savings deposits (excluding MMDAs) $518,977
    Total time deposits $958,564
    Total time and savings deposits $3,978,338
    Noninterest-bearing deposits $566,753
    Interest-bearing deposits $3,997,539
    Retail deposits $4,352,132
    IRAs and Keogh plan accounts $109,672
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,333,783
    Cash & Balances due from depository institutions $454,880
    Interest-bearing balances $352,063
    Total securities $660,746
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,034,981
    Loan and leases loss allowance $56,109
    Trading account assets $0
    Bank premises and fixed assets $80,414
    Other real estate owned $1,587
    Goodwill and other intangibles $24,922
    All other assets $76,253

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,333,783
    Total Liabilities $4,765,245
    Total deposits $4,564,292
    Interest-bearing deposits $3,997,539
    Deposits held in domestic offices $4,564,292
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $136,454
    Trading liabilities $0
    Other borrowed funds $33,606
    Subordinated debt $0
    All other liabilities $30,893

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,034,981
    Loan and leases loss allowance $56,109
    Total loans and leases (domestic) $4,091,090
    All real estate loans $3,030,509
    Real estate loans in domestic offices $3,030,509
    Construction and development loans $465,998
    Residential 1-4 family construction $111,821
    Other construction, all land development and other land $354,177
    Loans secured by nonfarm nonresidential properties $1,220,047
    Nonfarm nonresidential secured by owner-occupied properties $404,518
    Commercial real estate & other non-farm, non-residential $815,529
    Multifamily residential real estate $228,160
    1-4 family residential loans $564,011
    Farmland loans $552,293
    Loans held in foreign offices $0
    Farm loans $603,745
    Commercial and industrial loans $360,541
    To non-U.S. addressees $0
    Loans to individuals $69,453
    Credit card loans $4,350
    Related Plans $2,289
    Consumer Auto Loans $35,355
    Other loans to individuals $27,459
    All other loans & leases $28,866
    Loans to foreign governments and official institutions $0
    Other loans $10,564
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $3,188
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $208
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Pinnacle Bank had $4,034,981,000 of loans outstanding in 2019. $3,030,509,000 of loans were in real estate loans. $465,998,000 of loans were in development loans. $228,160,000 of loans were in multifamily mortgage loans. $564,011,000 of loans were in 1-4 family mortgage loans. $603,745,000 of loans were in farm loans. $4,350,000 of loans were in credit card loans. $35,355,000 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 1,015 $194,616 $191,740
    Nonfarm, nonresidential loans - <$100k 316 $11,933 $37,763
    Nonfarm, nonresidential loans - $100-250k 347 $42,168 $121,522
    Nonfarm, nonresidential loans - $250k-1MM 352 $140,515 $399,190
    Commercial & Industrial, US addressed loans - <$1MM 2,316 $144,117 $62,227
    Commercial & Industrial, US addressed loans - <$100k 1,556 $26,847 $17,254
    Commercial & Industrial, US addressed loans - $100-250k 406 $35,527 $87,505
    Commercial & Industrial, US addressed loans - $250k-1MM 354 $81,743 $230,912
    Farmland loans - <$1MM 949 $140,927 $148,501
    Farmland loans - <$100k 274 $10,742 $39,204
    Farmland loans - $100-250k 382 $47,935 $125,484
    Farmland loans - $250k-1MM 293 $82,250 $280,717
    Agriculture operations loans - <$1MM 1,562 $125,930 $80,621
    Agriculture operations loans - <$100k 844 $18,820 $22,299
    Agriculture operations loans - $100-250k 391 $34,733 $88,831
    Agriculture operations loans - $250k-1MM 327 $72,377 $221,336