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 small bank specializing in Refi and Home Purchase loans. Pinnacle Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Omaha, Lincoln, Columbus, Madison, and Hastings among others. We have data for 53 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% 4/21/24
    30 Year Conventional Purchase 6.49% 4/21/24
    30 Year Conventional Refi 6.44% 4/21/24
    30 Year Cash-out Refi 6.68% 4/21/24
    30 Year FHA Purchase 6.98% 4/21/24
    30 Year FHA Refi 7.28% 4/21/24
    30 Year VA Purchase 5.92% 4/21/24
    30 Year VA Refi 6.27% 4/21/24
    30 Year USDA Purchase 6.71% 4/21/24
    15 Year Conventional Purchase 6.13% 4/21/24
    15 Year Conventional Refi 5.96% 4/21/24
    15 Year Cash-out Refi 5.96% 4/21/24
    15 Year FHA Purchase 6.76% 4/21/24
    15 Year VA Purchase 6.40% 4/21/24
    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

    4,370

    Origination Dollar Volume (All Markets)

    $1,117,300,000

    Employee count

    897 Show all (33) 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
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1,237 $400,885,000 $324,078 $2,023 3.21%
    LINCOLN, NE (FHA|USDA|VA) 1,239 $312,975,000 $252,603 $1,328 3.26%
    Outside of Metro Areas 651 $90,295,000 $138,702 $1,812 3.77%
    Columbus, NE (FHA|USDA|VA) 232 $42,950,000 $185,129 $2,565 3.36%
    MADISON, WI (FHA|USDA|VA) 2 $36,910,000 $18,455,000 $0 4.75%
    Hastings, NE (FHA|USDA|VA) 206 $36,900,000 $179,126 $2,230 3.33%
    Fremont, NE (FHA|USDA|VA) 172 $35,260,000 $205,000 $1,795 3.73%
    Kearney, NE (FHA|USDA|VA) 55 $33,905,000 $616,455 $2,209 3.18%
    GRAND ISLAND, NE (FHA|USDA|VA) 151 $27,815,000 $184,205 $2,206 3.38%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 66 $20,100,000 $304,545 $2,067 3.25%
    JOPLIN, MO (FHA|USDA|VA) 90 $16,920,000 $188,000 $2,262 3.55%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 32 $11,800,000 $368,750 $2,220 3.18%
    Beatrice, NE (FHA|USDA|VA) 65 $11,415,000 $175,615 $1,810 3.57%
    Lexington, NE (FHA|USDA|VA) 58 $7,880,000 $135,862 $2,033 3.93%
    Norfolk, NE (FHA|USDA|VA) 18 $7,090,000 $393,889 $1,883 3.36%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $3,380,000 $281,667 $2,840 3.82%
    North Platte, NE (FHA|USDA|VA) 12 $2,540,000 $211,667 $1,040 3.55%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,990,000 $331,667 $3,691 2.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 8 $1,610,000 $201,250 $0 3.30%
    Spirit Lake, IA (FHA|USDA|VA) 5 $1,125,000 $225,000 $1,973 3.32%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,060,000 $265,000 $1,723 3.09%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $950,000 $475,000 $2,394 3.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $840,000 $420,000 $4,650 2.94%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $770,000 $385,000 $1,992 2.69%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $670,000 $335,000 $2,447 2.88%
    TULSA, OK (FHA|USDA|VA) 2 $660,000 $330,000 $4,057 2.56%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $650,000 $325,000 $2,759 3.06%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $635,000 $635,000 $3,805 4.00%
    MANHATTAN, KS (FHA|USDA|VA) 4 $580,000 $145,000 $525 4.18%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $530,000 $265,000 $3,752 3.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 3 $515,000 $171,667 $3,415 3.13%
    Salina, KS (FHA|USDA|VA) 2 $490,000 $245,000 $1,094 3.75%
    Breckenridge, CO (FHA|USDA|VA) 1 $485,000 $485,000 $3,007 3.50%
    WICHITA, KS (FHA|USDA|VA) 2 $450,000 $225,000 $3,258 2.88%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $375,000 $375,000 $2,540 2.13%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $375,000 $375,000 $2,307 3.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $345,000 $345,000 $2,486 3.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $340,000 $170,000 $2,757 3.88%
    Fergus Falls, MN (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.15%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $305,000 $305,000 $3,860 2.50%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $3,103 3.25%
    ABILENE, TX (FHA|USDA|VA) 1 $265,000 $265,000 $12,924 2.75%
    Pittsburg, KS (FHA|USDA|VA) 2 $240,000 $120,000 $2,322 3.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $225,000 $225,000 $2,071 2.38%
    Warrensburg, MO (FHA|USDA|VA) 2 $170,000 $85,000 $1,435 3.88%
    Outside of Metro Areas 1 $165,000 $165,000 $0 4.00%
    TUCSON, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $1,950 3.25%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
    Scottsbluff, NE (FHA|USDA|VA) 1 $145,000 $145,000 $2,086 3.63%
    Miami, OK (FHA|USDA|VA) 1 $145,000 $145,000 $506 4.75%
    TOPEKA, KS (FHA|USDA|VA) 1 $125,000 $125,000 $1,812 4.00%
    IOWA CITY, IA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%
    Hays, KS (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.95%
    Pinnacle Bank's top markets include Omaha, Lincoln, Columbus, Madison, and Hastings among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Iowa (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: 180
    HNB National Bank
    Similarity Rank: 195
    CREIGHTON FEDERAL CREDIT UNION
    Similarity Rank: 207
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 224
    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 252
    MUTUAL FIRST
    Similarity Rank: 288
    Azura Credit Union
    Similarity Rank: 380
    Southwest Missouri Bank
    Similarity Rank: 403
    The District Federal Credit Union
    Similarity Rank: 441
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 553

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,108 $1,065,500,000 $259,372 $1,689 3.40%
    VA 112 $29,990,000 $267,768 $2,909 2.65%
    USDA 83 $11,105,000 $133,795 $3,660 3.11%
    FHA 67 $10,705,000 $159,776 $5,040 3.12%

    For 2020, Pinnacle Bank's most frequently originated type of loan was Conventional, with 4,108 originations. Their 2nd most popular type was VA, with 112 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,050 $471,710,000 $230,102 $1,416 3.23%
    Home Purchase 1,636 $516,990,000 $316,009 $2,479 3.55%
    Cash Out Refi 517 $119,305,000 $230,764 $2,129 3.02%
    Home Improvement 85 $4,035,000 $47,471 $423 4.49%
    Other 82 $5,260,000 $64,146 $661 4.50%

    For 2020, Pinnacle Bank's most frequently cited loan purpose was Refi, with 2,050 originations. The 2nd most popular reason was Home Purchase, with 1,636 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,986 $460,760,000 $232,004 $2,168 3.02%
    15 Year 730 $153,130,000 $209,767 $1,865 2.65%
    Other 622 $74,270,000 $119,405 $806 4.27%
    5 Year 511 $194,925,000 $381,458 $334 4.24%
    20 Year 182 $39,700,000 $218,132 $1,730 3.00%
    10 Year 177 $164,375,000 $928,672 $1,426 3.77%
    1 Year 154 $29,480,000 $191,429 $470 4.73%
    3 Year 8 $660,000 $82,500 $219 5.08%

    For 2020, Pinnacle Bank's most frequently cited loan duration was 30 Year, with 1,986 originations. The 2nd most popular length was 15 Year, with 730 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,356 $464,050,000 $196,965
    $1k-2k 1,246 $273,980,000 $219,888
    $2k-3k 35 $6,345,000 $181,286
    $3k-4k 10 $2,640,000 $264,000
    $4k-5k 2 $860,000 $430,000

    Pinnacle Bank's average total fees were $2,168, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,356 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,425 $496,105,000 $348,144
    2.5-3% 1,330 $305,680,000 $229,835
    4-5% 884 $145,510,000 $164,604
    <2.5% 662 $161,820,000 $244,441
    5-6% 63 $8,085,000 $128,333
    Over 8% 3 $45,000 $15,000
    7-8% 2 $40,000 $20,000
    6-7% 1 $15,000 $15,000

    During 2020, Pinnacle Bank's average interest rate for loans was 3.02%, while their most frequently originated rate bucket for loans was 3-4%, with 1,425 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,659 $251,415,000 $151,546 $1,941 3.30%
    $200k-400k 1,547 $423,545,000 $273,785 $1,970 3.01%
    $100,000 or less 890 $52,050,000 $58,483 $1,082 4.22%
    $400k-600k 233 $108,085,000 $463,884 $2,188 3.00%
    $1MM+ 29 $272,975,000 $9,412,931 $720 3.83%
    $600k-1MM 12 $9,230,000 $769,167 $3,805 4.12%

    2020 saw Pinnacle Bank place emphasis on $100k-200k loans with 1,659 originations, totaling $251,415,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 998 $217,130,000 $217,565 $1,798 3.20%
    $50k-75k 759 $114,825,000 $151,285 $1,903 3.35%
    $75k-100k 646 $121,030,000 $187,353 $1,837 3.29%
    $150k-250k 619 $157,235,000 $254,015 $1,798 3.16%
    $50k or less 464 $51,670,000 $111,358 $1,908 3.58%
    $250k+ 246 $74,780,000 $303,984 $1,879 3.33%

    Pinnacle Bank lent most frequently to those with incomes in the $100k-150k range, with 998 originations. The second most popular income band? $50k-75k, with 759 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,247 $244,725,000 $196,251 $1,786 3.24%
    30-36% 749 $153,075,000 $204,372 $1,875 3.27%
    <20% 674 $129,370,000 $191,944 $1,591 3.25%
    40% 113 $24,125,000 $213,496 $2,081 3.12%
    36% 105 $20,245,000 $192,810 $1,999 3.33%
    41% 104 $24,400,000 $234,615 $2,107 3.10%
    38% 104 $19,360,000 $186,154 $2,019 3.44%
    39% 94 $19,830,000 $210,957 $1,985 3.24%
    37% 90 $15,840,000 $176,000 $1,919 3.28%
    42% 81 $16,815,000 $207,593 $1,890 3.31%
    44% 70 $14,950,000 $213,571 $2,228 3.12%
    43% 64 $13,130,000 $205,156 $2,457 3.02%
    46% 50 $12,560,000 $251,200 $2,341 3.06%
    45% 45 $9,205,000 $204,556 $1,944 3.28%
    47% 40 $8,020,000 $200,500 $1,963 3.10%
    49% 35 $7,335,000 $209,571 $2,119 3.50%
    50-60% 31 $4,675,000 $150,806 $2,660 4.18%
    >60% 25 $4,105,000 $164,200 $769 4.49%
    48% 22 $4,990,000 $226,818 $2,063 3.07%

    Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 1,247 originations. The next most common DTI ratio? 30-36%, with 749 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,621 $713,995,000 $197,182 $1,839 3.31%
    Not applicable 412 $332,730,000 $807,597 $3,502 4.17%
    Not provided 241 $50,855,000 $211,017 $1,767 3.14%
    Asian 41 $9,075,000 $221,341 $1,677 3.03%
    Black 22 $4,400,000 $200,000 $2,973 3.02%
    American Indian 17 $2,875,000 $169,118 $1,954 3.30%
    Asian Indian 7 $1,735,000 $247,857 $875 2.59%
    Vietnamese 4 $700,000 $175,000 $0 3.91%
    Korean 2 $350,000 $175,000 $189 3.25%
    Filipino 1 $295,000 $295,000 $1,739 2.50%
    Other Pacific Islander 1 $185,000 $185,000 $2,052 2.75%
    Native Hawaiian or Islander 1 $105,000 $105,000 $1,332 3.25%

    Approval Rates

    Total approvals of all applications
    96.05%

    Pinnacle Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    89.89%

    Pinnacle Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    100.0 3 $55,000 $18,333
    150.0 6 $340,000 $56,667
    250.0 1 $175,000 $175,000
    300.0 1 $115,000 $115,000
    500.0 2 $230,000 $115,000
    NA 4,357 $1,116,385,000 $256,228

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 124 $292,570,000 $2,359,435
    Single Family (1-4 Units):Manufactured 36 $3,160,000 $87,778
    Single Family (1-4 Units):Site-Built 4,210 $821,570,000 $195,147

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 355 $41,995,000 $118,296 $1,144 4.06%
    40-60% 703 $153,475,000 $218,314 $1,646 3.34%
    60-80% 1,928 $662,440,000 $343,589 $1,761 3.23%
    80-100% 1,137 $242,265,000 $213,074 $2,323 3.23%
    Over 100% 15 $3,495,000 $233,000 $8,751 3.04%
    Under 20% 231 $13,575,000 $58,766 $361 4.34%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    PINNACLE FINANCIAL PARTNERS, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    PINNACLE FINANCIAL PARTNERS, INC. Conventional home mortgage Trouble during payment process 1 25.0%
    PINNACLE FINANCIAL PARTNERS, INC. FHA mortgage Incorrect information on your report 1 25.0%
    PINNACLE FINANCIAL PARTNERS, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Pinnacle Bank 143 East 13th Street Crete, NE 68333 Full Service B&M $113,088
    Pinnacle Bank 1500 North Buckeye Abilene, KS 67410 Limited, Drive-thru $0
    Pinnacle Bank 400 Main Street Verdigre, NE 68783 Full Service B&M $21,491
    Pinnacle Bank 122 South Walnut Arnold, NE 69120 Full Service B&M $22,418
    Pinnacle Bank 1001 Avenue E Wisner, NE 68791 Full Service B&M $48,229
    Pinnacle Bank 1010 S Madison Ste M Webb City, MO 64870 Full Service Retail $14,907
    Pinnacle Bank 1016 Douglas On The Mall Omaha, NE 68102 Full Service B&M $24,295
    Pinnacle Bank 102 East Cary Street Papillion, NE 68046 Full Service B&M $35,374
    Pinnacle Bank 106 E 3rd St Grand Island, NE 68801 Full Service B&M $29,357
    Pinnacle Bank 108 South Main Street Madison, NE 68748 Full Service B&M $38,478
    Pinnacle Bank 10805 Q Street Omaha, NE 68137 Full Service B&M $329,486
    Pinnacle Bank 1100 Park Drive Springfield, NE 68059 Full Service B&M $358
    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 $319,441
    Pinnacle Bank 1234 L Street Aurora, NE 68818 Full Service B&M $156,449
    Pinnacle Bank 12350 Southport Parkway Lavista, NE 68128 Full Service B&M $52,400
    Pinnacle Bank 13131 W Dodge Road Omaha, NE 68154 Full Service B&M $168,900
    Pinnacle Bank 1316 East 32nd Street Joplin, MO 64804 Limited, Drive-thru $5,762
    Pinnacle Bank 1401 N Street Lincoln, NE 68508 Full Service B&M $283,064
    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 $6,422
    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 $8,892
    Pinnacle Bank 16821 Audrey Street Omaha, NE 68136 Full Service B&M $32,253
    Pinnacle Bank 1776 South 70th Street Lincoln, NE 68506 Full Service B&M $48,687
    Pinnacle Bank 18081 Burt Street Elkhorn, NE 68022 Full Service B&M $110,079
    Pinnacle Bank 201 East 2nd Street Ogallala, NE 69153 Full Service B&M $107,033
    Pinnacle Bank 201 Sun Valley Blvd. Lincoln, NE 68528 Full Service B&M $17,219
    Pinnacle Bank 20320 Veterans Drive Elkhorn, NE 68022 Full Service B&M $34,899
    Pinnacle Bank 20544 Husker Drive Gretna, NE 68028 Full Service Cyber Office $13,300
    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 $43,510
    Pinnacle Bank 218 Main Street Louisville, NE 68037 Full Service B&M $83,530
    Pinnacle Bank 2433 S Range Line Rd Joplin, MO 64804 Full Service B&M $35,104
    Pinnacle Bank 26500 E Colbern Road Lake Lotawana, MO 64086 Full Service B&M $75,404
    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 $178,006
    Pinnacle Bank 2703 Folkways Blvd Lincoln, NE 68504 Full Service B&M $50,562
    Pinnacle Bank 301 East 11th Street Schuyler, NE 68661 Full Service B&M $153,789
    Pinnacle Bank 301 Smith Elwood, NE 68937 Full Service B&M $33,890
    Pinnacle Bank 320 G Street Central City, NE 68826 Full Service B&M $56,434
    Pinnacle Bank 320 North State Street Osceola, NE 68651 Full Service B&M $62,632
    Pinnacle Bank 323 West 11th Street Kearney, NE 68529 Full Service B&M $9,405
    Pinnacle Bank 324 Main Street Neligh, NE 68756 Full Service B&M $80,800
    Pinnacle Bank 345 Central Avenue Grant, NE 69140 Full Service B&M $65,308
    Pinnacle Bank 3939 South Street Lincoln, NE 68506 Full Service B&M $93,289
    Pinnacle Bank 400 Tate Avenue Hayes Center, NE 69032 Full Service B&M $21,096
    Pinnacle Bank 401 4th And Main Street Humphrey, NE 68642 Full Service B&M $14,907
    Pinnacle Bank 401 North Spruce Street Abilene, KS 67410 Full Service B&M $114,696
    Pinnacle Bank 408 D Street Fairfield, NE 68938 Full Service B&M $12,879
    Pinnacle Bank 410 North Washington Street Lexington, NE 68850 Full Service B&M $135,475
    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 $23,468
    Pinnacle Bank 429 East Douglas Oneill, NE 68763 Full Service B&M $159,310
    Pinnacle Bank 447 Broadway Imperial, NE 69033 Full Service B&M $99,638
    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 $19,939
    Pinnacle Bank 5010 O Street Lincoln, NE 68504 Full Service Retail $6,766
    Pinnacle Bank 523 Court Street Beatrice, NE 68310 Full Service B&M $128,475
    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 $96,204
    Pinnacle Bank 5651 South 59th St Lincoln, NE 68510 Full Service B&M $69,990
    Pinnacle Bank 600 Q Street Lincoln, NE 68528 Full Service B&M $932
    Pinnacle Bank 601 Chief Street Benkelman, NE 69021 Full Service B&M $56,060
    Pinnacle Bank 602 West B Street Mccook, NE 69001 Full Service B&M $74,619
    Pinnacle Bank 611 Pinnacle Drive Papillion, NE 68046 Full Service B&M $34,134
    Pinnacle Bank 6145 Havelock Avenue Lincoln, NE 68507 Full Service B&M $98,085
    Pinnacle Bank 7000 Adams Street Lincoln, NE 68507 Full Service B&M $41,346
    Pinnacle Bank 7001 South 27th St Lincoln, NE 68512 Full Service B&M $140,083
    Pinnacle Bank 802 Main Street Joplin, MO 64801 Full Service B&M $114,986
    Pinnacle Bank 8040 West Dodge Road Omaha, NE 68114 Full Service B&M $44,456
    Pinnacle Bank 817 Village Square Gretna, NE 68028 Full Service B&M $138,839
    Pinnacle Bank 910 East South Street Hastings, NE 68901 Limited, Drive-thru $5,937
    Pinnacle Bank 912 Commercial Street Palmer, NE 68864 Full Service B&M $46,081
    Pinnacle Bank 99 West Sixth Street Fremont, NE 68025 Full Service B&M $314,901
    Pinnacle Bank Callum Drive, 13240 Callum Drive Waverly, NE 68462 Full Service B&M $10,135
    Pinnacle Bank Lincoln And Davis Streets Roseland, NE 68973 Full Service B&M $11,417

    For 2020, Pinnacle Bank had 78 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $215,832
    Net interest income $189,503
    Total noninterest income $46,520
    Gross Fiduciary activities income $2,062
    Service charges on deposit accounts $7,467
    Trading account gains and fees $0
    Additional Noninterest Income $36,991
    Pre-tax net operating income $103,235
    Securities gains (or losses, -) $1
    Income before extraordinary items $81,642
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $81,642
    Minority interest net income $0
    Net income $81,642
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $81,641

    Pinnacle Bank's gross interest income from loans was $215,832,000.
    Pinnacle Bank's net interest income from loans was $189,503,000.
    Pinnacle Bank's fee based income from loans was $7,467,000.
    Pinnacle Bank's net income from loans was $81,642,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $26,329
    Provision for credit losses $8,025
    Total noninterest expense $124,763
    Salaries and employee benefits $72,817
    Premises and equipment expense $12,628
    Additional noninterest expense $39,318
    Applicable income taxes $21,594
    Net charge-offs $117
    Cash dividends $24,500

    Pinnacle Bank's interest expense for loans was $26,329,000.
    Pinnacle Bank's payroll and benefits expense were $72,817,000.
    Pinnacle Bank's property, plant and equipment expenses $12,628,000.

    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 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,368,901
    Deposits held in domestic offices $5,368,901
    Deposits by Individuals, partnerships, and corporations $4,931,374
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $435,953
    Deposits by Commercial banks and other depository institutions in U.S. $1,570
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $974,399
    Demand deposits $766,522
    Nontransaction accounts $4,394,501
    Money market deposit accounts (MMDAs) $2,920,773
    Other savings deposits (excluding MMDAs) $633,928
    Total time deposits $839,800
    Total time and savings deposits $4,602,378
    Noninterest-bearing deposits $743,861
    Interest-bearing deposits $4,625,040
    Retail deposits $5,152,691
    IRAs and Keogh plan accounts $114,145
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,315,152
    Cash & Balances due from depository institutions $609,624
    Interest-bearing balances $506,375
    Total securities $1,092,366
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,428,035
    Loan and leases loss allowance $64,017
    Trading account assets $0
    Bank premises and fixed assets $82,428
    Other real estate owned $0
    Goodwill and other intangibles $24,265
    All other assets $78,434

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,315,152
    Total Liabilities $5,674,037
    Total deposits $5,368,901
    Interest-bearing deposits $4,625,040
    Deposits held in domestic offices $5,368,901
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $226,075
    Trading liabilities $0
    Other borrowed funds $39,153
    Subordinated debt $0
    All other liabilities $39,908

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,428,035
    Loan and leases loss allowance $64,017
    Total loans and leases (domestic) $4,492,052
    All real estate loans $3,238,460
    Real estate loans in domestic offices $3,238,460
    Construction and development loans $510,967
    Residential 1-4 family construction $110,367
    Other construction, all land development and other land $400,600
    Loans secured by nonfarm nonresidential properties $1,302,306
    Nonfarm nonresidential secured by owner-occupied properties $417,814
    Commercial real estate & other non-farm, non-residential $884,492
    Multifamily residential real estate $299,936
    1-4 family residential loans $594,024
    Farmland loans $531,227
    Loans held in foreign offices $0
    Farm loans $604,521
    Commercial and industrial loans $507,897
    To non-U.S. addressees $0
    Loans to individuals $66,269
    Credit card loans $3,720
    Related Plans $1,455
    Consumer Auto Loans $34,735
    Other loans to individuals $26,359
    All other loans & leases $80,883
    Loans to foreign governments and official institutions $0
    Other loans $14,283
    Loans to depository institutions and acceptances of other banks $16,660
    Loans not secured by real estate $8,229
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Pinnacle Bank had $4,428,035,000 of loans outstanding in 2020. $3,238,460,000 of loans were in real estate loans. $510,967,000 of loans were in development loans. $299,936,000 of loans were in multifamily mortgage loans. $594,024,000 of loans were in 1-4 family mortgage loans. $604,521,000 of loans were in farm loans. $3,720,000 of loans were in credit card loans. $34,735,000 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 1,014 $202,215 $199,423
    Nonfarm, nonresidential loans - <$100k 308 $12,453 $40,432
    Nonfarm, nonresidential loans - $100-250k 339 $40,443 $119,301
    Nonfarm, nonresidential loans - $250k-1MM 367 $149,319 $406,864
    Commercial & Industrial, US addressed loans - <$1MM 3,884 $231,425 $59,584
    Commercial & Industrial, US addressed loans - <$100k 2,858 $60,572 $21,194
    Commercial & Industrial, US addressed loans - $100-250k 582 $60,487 $103,930
    Commercial & Industrial, US addressed loans - $250k-1MM 444 $110,366 $248,572
    Farmland loans - <$1MM 912 $138,996 $152,408
    Farmland loans - <$100k 256 $10,216 $39,906
    Farmland loans - $100-250k 362 $46,411 $128,207
    Farmland loans - $250k-1MM 294 $82,369 $280,167
    Agriculture operations loans - <$1MM 1,588 $109,828 $69,161
    Agriculture operations loans - <$100k 907 $18,343 $20,224
    Agriculture operations loans - $100-250k 369 $31,606 $85,653
    Agriculture operations loans - $250k-1MM 312 $59,879 $191,920