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

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: Omaha, Lincoln, Columbus, Denver, and Fremont among others. We have data for 85 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%	12/3/24
30 Year Conventional Purchase	6.49%	12/3/24
30 Year Conventional Refi	6.44%	12/3/24
30 Year Cash-out Refi	6.68%	12/3/24
30 Year FHA Purchase	6.98%	12/3/24
30 Year FHA Refi	7.28%	12/3/24
30 Year VA Purchase	5.92%	12/3/24
30 Year VA Refi	6.27%	12/3/24
30 Year USDA Purchase	6.71%	12/3/24
15 Year Conventional Purchase	6.13%	12/3/24
15 Year Conventional Refi	5.96%	12/3/24
15 Year Cash-out Refi	5.96%	12/3/24
15 Year FHA Purchase	6.76%	12/3/24
15 Year VA Purchase	6.40%	12/3/24
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

3,813

Origination Dollar Volume (All Markets)

$969,545,000

Employee count

876

Awards

Pinnacle Bank 30 Year Conventional Loans gold

Pinnacle Bank 30 Year Conventional Loans silver

Pinnacle Bank 30 Year Conventional Loans bronze

Show all (34) 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)	953	$363,455,000	$381,380	$2,203	3.07%
LINCOLN, NE (FHA\|USDA\|VA)	923	$216,195,000	$234,231	$1,549	3.06%
Outside of Metro Areas	693	$106,915,000	$154,278	$1,966	3.50%
Columbus, NE (FHA\|USDA\|VA)	218	$41,120,000	$188,624	$2,815	3.08%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	16	$31,700,000	$1,981,250	$2,084	3.00%
Fremont, NE (FHA\|USDA\|VA)	169	$27,995,000	$165,651	$2,061	3.48%
Hastings, NE (FHA\|USDA\|VA)	172	$27,750,000	$161,337	$2,456	3.20%
GRAND ISLAND, NE (FHA\|USDA\|VA)	144	$27,020,000	$187,639	$2,386	3.17%
Kearney, NE (FHA\|USDA\|VA)	121	$25,135,000	$207,727	$2,330	3.06%
JOPLIN, MO (FHA\|USDA\|VA)	102	$18,420,000	$180,588	$2,114	3.33%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	38	$9,830,000	$258,684	$1,826	3.11%
Lexington, NE (FHA\|USDA\|VA)	52	$8,700,000	$167,308	$2,452	3.18%
Beatrice, NE (FHA\|USDA\|VA)	50	$6,800,000	$136,000	$1,610	3.63%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	14	$4,690,000	$335,000	$2,759	3.27%
FARGO, ND-MN (FHA\|USDA\|VA)	1	$3,505,000	$3,505,000	$0	3.50%
AMES, IA (FHA\|USDA\|VA)	1	$3,285,000	$3,285,000	$0	3.85%
Pittsburg, KS (FHA\|USDA\|VA)	5	$3,285,000	$657,000	$1,817	3.38%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	8	$3,270,000	$408,750	$3,895	2.89%
Norfolk, NE (FHA\|USDA\|VA)	19	$3,065,000	$161,316	$2,893	3.30%
SPRINGFIELD, MO (FHA\|USDA\|VA)	13	$2,965,000	$228,077	$3,253	3.23%
Edwards, CO (FHA\|USDA\|VA)	2	$2,740,000	$1,370,000	$0	3.01%
WICHITA, KS (FHA\|USDA\|VA)	2	$1,980,000	$990,000	$7,602	3.06%
Jackson, WY-ID (FHA\|USDA\|VA)	2	$1,880,000	$940,000	$0	4.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	4	$1,770,000	$442,500	$4,742	3.35%
FORT COLLINS, CO (FHA\|USDA\|VA)	2	$1,050,000	$525,000	$3,146	2.56%
Steamboat Springs, CO (FHA\|USDA\|VA)	2	$1,000,000	$500,000	$2,500	3.85%
SIOUX FALLS, SD (FHA\|USDA\|VA)	2	$890,000	$445,000	$2,419	2.94%
Aberdeen, SD (FHA\|USDA\|VA)	2	$840,000	$420,000	$0	3.25%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	3	$735,000	$245,000	$8,895	2.88%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	1	$725,000	$725,000	$0	4.25%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	3	$705,000	$235,000	$2,018	2.54%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$705,000	$705,000	$0	3.50%
SIOUX CITY, IA-NE-SD (FHA\|USDA\|VA)	4	$700,000	$175,000	$3,435	3.88%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$690,000	$345,000	$1,934	3.13%
North Platte, NE (FHA\|USDA\|VA)	5	$685,000	$137,000	$2,464	3.25%
Fort Dodge, IA (FHA\|USDA\|VA)	1	$655,000	$655,000	$0	3.85%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	1	$645,000	$645,000	$0	3.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	2	$620,000	$310,000	$1,709	2.00%
Spirit Lake, IA (FHA\|USDA\|VA)	2	$610,000	$305,000	$2,450	2.63%
TWIN FALLS, ID (FHA\|USDA\|VA)	2	$580,000	$290,000	$2,148	3.56%
Mason City, IA (FHA\|USDA\|VA)	2	$580,000	$290,000	$2,589	2.38%
GREELEY, CO (FHA\|USDA\|VA)	2	$570,000	$285,000	$2,079	2.44%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	1	$555,000	$555,000	$5,301	2.99%
BOULDER, CO (FHA\|USDA\|VA)	1	$545,000	$545,000	$1,814	2.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	2	$540,000	$270,000	$4,727	2.63%
Granbury, TX (FHA\|USDA\|VA)	1	$505,000	$505,000	$4,849	2.13%
Breckenridge, CO (FHA\|USDA\|VA)	1	$485,000	$485,000	$2,764	2.75%
RAPID CITY, SD (FHA\|USDA\|VA)	3	$475,000	$158,333	$2,174	2.96%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$465,000	$465,000	$1,887	2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	1	$455,000	$455,000	$3,798	3.00%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$445,000	$445,000	$3,544	2.13%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$445,000	$445,000	$3,346	2.63%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	1	$445,000	$445,000	$5,412	2.25%
Brainerd, MN (FHA\|USDA\|VA)	2	$420,000	$210,000	$3,821	2.56%
Crossville, TN (FHA\|USDA\|VA)	1	$415,000	$415,000	$0	3.50%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$385,000	$385,000	$2,153	3.13%
Spearfish, SD (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	3.95%
Yankton, SD (FHA\|USDA\|VA)	1	$375,000	$375,000	$0	3.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$345,000	$345,000	$1,900	2.38%
Paris, TN (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,177	1.88%
Salina, KS (FHA\|USDA\|VA)	4	$340,000	$85,000	$1,362	4.32%
TOPEKA, KS (FHA\|USDA\|VA)	2	$340,000	$170,000	$2,494	3.44%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,348	3.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	1	$325,000	$325,000	$0	4.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$315,000	$315,000	$13,929	2.25%
DUBUQUE, IA (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,741	2.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	1	$265,000	$265,000	$1,688	2.00%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,246	2.88%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	4.75%
Richmond-Berea, KY (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,942	2.38%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,100	2.50%
WATERLOO-CEDAR FALLS, IA (FHA\|USDA\|VA)	1	$215,000	$215,000	$6,291	3.00%
Riverton, WY (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,744	2.99%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,772	2.25%
Branson, MO (FHA\|USDA\|VA)	1	$205,000	$205,000	$1,939	2.13%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,535	2.50%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$195,000	$195,000	$1,805	2.25%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,531	2.88%
Atchison, KS (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,568	2.88%
TULSA, OK (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,622	2.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	4.75%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	3.95%
Carroll, IA (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,621	2.63%
BISMARCK, ND (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	4.75%
LAWTON, OK (FHA\|USDA\|VA)	1	$35,000	$35,000	$1,895	3.95%

Pinnacle Bank's top markets include Omaha, Lincoln, Columbus, Denver, and Fremont among others.

Their top states include:

Nebraska (FHA|USDA|VA)

Colorado (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: 315

KELLOGG MIDWEST FEDERAL CREDIT UNION
Similarity Rank: 322

Southwest Missouri Bank
Similarity Rank: 322

MAINSTREET FEDERAL CREDIT UNION
Similarity Rank: 426

MUTUAL FIRST
Similarity Rank: 484

Cobalt Credit Union
Similarity Rank: 490

U.S. HOME MORTGAGE, INC.
Similarity Rank: 553

FRONTIER COMMUNITY CREDIT UNION
Similarity Rank: 693

METRO CU
Similarity Rank: 720

Five Points Bank
Similarity Rank: 726

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	3,567	$920,195,000	$257,974	$1,831	3.23%
FHA	87	$15,565,000	$178,908	$5,514	2.70%
VA	83	$22,745,000	$274,036	$4,622	2.39%
USDA	76	$11,040,000	$145,263	$3,932	2.73%

For 2021, Pinnacle Bank's most frequently originated type of loan was Conventional, with 3,567 originations. Their 2nd most popular type was FHA, with 87 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,844	$569,000,000	$308,568	$2,586	3.33%
Refi	1,248	$258,390,000	$207,043	$1,545	3.08%
Cash Out Refi	560	$128,270,000	$229,054	$2,132	2.76%
Other	81	$9,425,000	$116,358	$1,053	3.83%
Home Improvement	80	$4,460,000	$55,750	$503	4.20%

For 2021, Pinnacle Bank's most frequently cited loan purpose was Home Purchase, with 1,844 originations. The 2nd most popular reason was Refi, with 1,248 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,755	$412,635,000	$235,120	$2,482	2.85%
Other	558	$93,250,000	$167,115	$922	4.00%
15 Year	540	$113,000,000	$209,259	$1,924	2.40%
5 Year	503	$117,445,000	$233,489	$391	4.01%
10 Year	189	$181,235,000	$958,915	$1,370	3.37%
1 Year	141	$27,815,000	$197,270	$0	4.50%
20 Year	121	$23,855,000	$197,149	$1,854	2.82%
3 Year	6	$310,000	$51,667	$410	3.99%

For 2021, Pinnacle Bank's most frequently cited loan duration was 30 Year, with 1,755 originations. The 2nd most popular length was Other, with 558 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	2,081	$420,155,000	$201,901
$1k-2k	920	$202,430,000	$220,033
$2k-3k	29	$6,635,000	$228,793
$3k-4k	6	$1,610,000	$268,333
$4k-5k	4	$1,150,000	$287,500
$5k+	4	$1,820,000	$455,000

Pinnacle Bank's average total fees were $2,482, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,081 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,254	$397,800,000	$317,225
2.5-3%	1,250	$306,350,000	$245,080
<2.5%	841	$209,275,000	$248,841
4-5%	442	$53,560,000	$121,176
5-6%	20	$2,310,000	$115,500
Over 8%	4	$60,000	$15,000
6-7%	2	$190,000	$95,000

During 2021, Pinnacle Bank's average interest rate for loans was 2.85%, while their most frequently originated rate bucket for loans was 3-4%, with 1,254 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	1,373	$204,975,000	$149,290	$2,137	3.14%
$200k-400k	1,273	$349,455,000	$274,513	$2,260	2.85%
$100,000 or less	859	$50,695,000	$59,016	$1,153	3.86%
$400k-600k	246	$116,620,000	$474,065	$2,812	2.83%
$1MM+	38	$230,630,000	$6,069,211	$4,328	3.68%
$600k-1MM	24	$17,170,000	$715,417	$1,375	3.84%

2021 saw Pinnacle Bank place emphasis on $100k-200k loans with 1,373 originations, totaling $204,975,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	739	$171,305,000	$231,806	$2,064	3.01%
$50k-75k	709	$110,655,000	$156,072	$2,110	3.10%
$75k-100k	513	$97,485,000	$190,029	$2,154	3.04%
$50k or less	507	$58,725,000	$115,828	$2,015	3.38%
$150k-250k	500	$130,700,000	$261,400	$2,093	2.99%
$250k+	218	$72,950,000	$334,633	$2,111	3.00%

Pinnacle Bank lent most frequently to those with incomes in the $100k-150k range, with 739 originations. The second most popular income band? $50k-75k, with 709 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	923	$178,025,000	$192,876	$1,919	3.03%
30-36%	643	$133,855,000	$208,173	$2,154	3.07%
<20%	539	$103,375,000	$191,790	$1,716	3.07%
36%	117	$23,315,000	$199,274	$2,428	3.09%
41%	109	$20,965,000	$192,339	$2,107	3.13%
40%	104	$22,210,000	$213,558	$2,507	3.00%
42%	103	$24,865,000	$241,408	$2,565	2.92%
39%	94	$20,950,000	$222,872	$2,187	3.07%
38%	88	$18,680,000	$212,273	$2,201	3.04%
37%	85	$19,165,000	$225,471	$2,439	2.97%
43%	75	$15,655,000	$208,733	$2,434	3.06%
45%	55	$13,185,000	$239,727	$2,192	2.96%
44%	49	$10,875,000	$221,939	$2,410	2.95%
47%	41	$8,875,000	$216,463	$2,111	3.04%
46%	38	$9,420,000	$247,895	$2,810	2.84%
48%	33	$7,435,000	$225,303	$2,592	3.04%
50-60%	31	$5,945,000	$191,774	$2,274	3.84%
49%	28	$5,960,000	$212,857	$2,658	3.15%
>60%	18	$3,620,000	$201,111	$834	3.89%

Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 923 originations. The next most common DTI ratio? 30-36%, with 643 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,080	$609,730,000	$197,964	$2,061	3.11%
Not applicable	457	$295,945,000	$647,582	$671	3.89%
Not provided	199	$46,795,000	$235,151	$2,203	2.89%
Asian	33	$8,475,000	$256,818	$2,275	3.12%
Black	18	$3,750,000	$208,333	$2,224	3.01%
American Indian	15	$2,055,000	$137,000	$2,499	3.41%
Asian Indian	4	$1,440,000	$360,000	$1,896	2.78%
Other Asian	4	$920,000	$230,000	$2,084	2.88%
Filipino	2	$270,000	$135,000	$1,342	3.41%
Native Hawaiian or Islander	1	$165,000	$165,000	$2,283	2.75%

Approval Rates

Total approvals of all applications
96.28%

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
87.49%

Pinnacle Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
0.0	1	$235,000	$235,000
100.0	1	$15,000	$15,000
150.0	4	$310,000	$77,500
NA	3,807	$968,985,000	$254,527

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	3,813	$969,545,000	$254,274

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	362	$62,550,000	$172,790	$1,359	3.62%
40-60%	687	$123,195,000	$179,323	$1,782	3.15%
60-80%	1,523	$504,165,000	$331,034	$1,946	3.14%
80-100%	1,017	$261,305,000	$256,937	$2,651	3.00%
Over 100%	18	$4,960,000	$275,556	$11,334	2.77%
Under 20%	204	$12,820,000	$62,843	$381	3.95%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
Pinnacle Lending Group, Inc.	Conventional home mortgage	Closing on a mortgage	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	$50,843
Pinnacle Bank	1010 S Madison Ste M Webb City, MO 64870	Full Service Retail	$19,119
Pinnacle Bank	1016 Douglas On The Mall Omaha, NE 68102	Full Service B&M	$30,621
Pinnacle Bank	102 East Cary Street Papillion, NE 68046	Full Service B&M	$36,466
Pinnacle Bank	106 E 3rd St Grand Island, NE 68801	Full Service B&M	$61,275
Pinnacle Bank	108 South Main Street Madison, NE 68748	Full Service B&M	$53,887
Pinnacle Bank	10805 Q Street Omaha, NE 68137	Full Service B&M	$508,050
Pinnacle Bank	1100 Park Drive Springfield, NE 68059	Full Service B&M	$7,282
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	$341,784
Pinnacle Bank	122 South Walnut Arnold, NE 69120	Full Service B&M	$27,387
Pinnacle Bank	1234 L Street Aurora, NE 68818	Full Service B&M	$174,630
Pinnacle Bank	12350 Southport Parkway Lavista, NE 68128	Full Service B&M	$62,802
Pinnacle Bank	13131 W Dodge Road Omaha, NE 68154	Full Service B&M	$204,359
Pinnacle Bank	1316 East 32nd Street Joplin, MO 64804	Limited, Drive-thru	$7,582
Pinnacle Bank	13240 Callum Dr Waverly, NE 68462	Full Service B&M	$12,324
Pinnacle Bank	1401 N Street Lincoln, NE 68508	Full Service B&M	$275,872
Pinnacle Bank	143 East 13th Street Crete, NE 68333	Full Service B&M	$128,187
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	$7,625
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	$10,471
Pinnacle Bank	16821 Audrey Street Omaha, NE 68136	Full Service B&M	$41,852
Pinnacle Bank	1776 South 70th Street Lincoln, NE 68506	Full Service B&M	$73,546
Pinnacle Bank	18081 Burt Street Elkhorn, NE 68022	Full Service B&M	$141,114
Pinnacle Bank	201 East 2nd Street Ogallala, NE 69153	Full Service B&M	$129,254
Pinnacle Bank	201 Sun Valley Blvd. Lincoln, NE 68528	Full Service B&M	$20,402
Pinnacle Bank	20320 Veterans Drive Elkhorn, NE 68022	Full Service B&M	$41,038
Pinnacle Bank	20544 Husker Drive Gretna, NE 68028	Full Service Cyber Office	$15,652
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	$52,753
Pinnacle Bank	218 Main Street Louisville, NE 68037	Full Service B&M	$90,282
Pinnacle Bank	2433 S Range Line Rd Joplin, MO 64804	Full Service B&M	$42,560
Pinnacle Bank	26500 Ne Colbern Rd Lake Lotawana, MO 64086	Full Service B&M	$101,436
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	$238,203
Pinnacle Bank	2703 Folkways Blvd Lincoln, NE 68504	Full Service B&M	$63,708
Pinnacle Bank	301 East 11th Street Schuyler, NE 68661	Full Service B&M	$167,649
Pinnacle Bank	301 Smith Elwood, NE 68937	Full Service B&M	$36,936
Pinnacle Bank	320 G Street Central City, NE 68826	Full Service B&M	$60,486
Pinnacle Bank	320 North State Street Osceola, NE 68651	Full Service B&M	$63,047
Pinnacle Bank	323 W 11th St Kearney, NE 68845	Full Service B&M	$20,988
Pinnacle Bank	324 Main Street Neligh, NE 68756	Full Service B&M	$94,091
Pinnacle Bank	345 Central Avenue Grant, NE 69140	Full Service B&M	$72,375
Pinnacle Bank	3939 South Street Lincoln, NE 68506	Full Service B&M	$103,496
Pinnacle Bank	400 Main Street Verdigre, NE 68783	Full Service B&M	$24,445
Pinnacle Bank	400 Tate Avenue Hayes Center, NE 69032	Full Service B&M	$24,903
Pinnacle Bank	401 4th And Main Street Humphrey, NE 68642	Full Service B&M	$11,062
Pinnacle Bank	401 North Spruce Street Abilene, KS 67410	Full Service B&M	$134,939
Pinnacle Bank	408 N D St Fairfield, NE 68938	Full Service B&M	$14,143
Pinnacle Bank	410 North Washington Street Lexington, NE 68850	Full Service B&M	$157,191
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	$27,884
Pinnacle Bank	429 East Douglas Oneill, NE 68763	Full Service B&M	$174,886
Pinnacle Bank	447 Broadway Imperial, NE 69033	Full Service B&M	$107,378
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	$23,263
Pinnacle Bank	5010 O Street Lincoln, NE 68504	Full Service Retail	$7,726
Pinnacle Bank	523 Court Street Beatrice, NE 68310	Full Service B&M	$144,454
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	$111,732
Pinnacle Bank	5651 S 59th St Lincoln, NE 68516	Full Service B&M	$74,794
Pinnacle Bank	600 Q St, Ste 110 Lincoln, NE 68508	Full Service B&M	$2,424
Pinnacle Bank	601 Chief Street Benkelman, NE 69021	Full Service B&M	$61,270
Pinnacle Bank	602 West B Street Mccook, NE 69001	Full Service B&M	$91,634
Pinnacle Bank	611 Pinnacle Drive Papillion, NE 68046	Full Service B&M	$36,127
Pinnacle Bank	6145 Havelock Avenue Lincoln, NE 68507	Full Service B&M	$102,507
Pinnacle Bank	7000 Adams Street Lincoln, NE 68507	Full Service B&M	$44,777
Pinnacle Bank	7001 South 27th St Lincoln, NE 68512	Full Service B&M	$161,722
Pinnacle Bank	802 S Main St Joplin, MO 64801	Full Service B&M	$124,429
Pinnacle Bank	817 Village Square Gretna, NE 68028	Full Service B&M	$247,881
Pinnacle Bank	8340 W Dodge Rd Omaha, NE 68114	Full Service B&M	$69,235
Pinnacle Bank	912 Commercial Street Palmer, NE 68864	Full Service B&M	$44,703
Pinnacle Bank	99 West Sixth Street Fremont, NE 68025	Full Service B&M	$384,690
Pinnacle Bank	Lincoln And Davis Streets Roseland, NE 68973	Full Service B&M	$15,275

For 2021, Pinnacle Bank had 77 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$225,209
Net interest income	$209,093
Total noninterest income	$43,820
Gross Fiduciary activities income	$2,533
Service charges on deposit accounts	$8,164
Trading account gains and fees	$0
Additional Noninterest Income	$33,123
Pre-tax net operating income	$122,912
Securities gains (or losses, -)	$0
Income before extraordinary items	$97,388
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$97,388
Minority interest net income	$0
Net income	$97,388
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$97,388

Pinnacle Bank's gross interest income from loans was $225,209,000.
Pinnacle Bank's net interest income from loans was $209,093,000.
Pinnacle Bank's fee based income from loans was $8,164,000.
Pinnacle Bank's net income from loans was $97,388,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$16,116
Provision for credit losses	$1,242
Total noninterest expense	$128,759
Salaries and employee benefits	$76,767
Premises and equipment expense	$12,594
Additional noninterest expense	$39,398
Applicable income taxes	$25,524
Net charge-offs	$-105
Cash dividends	$5,000

Pinnacle Bank's interest expense for loans was $16,116,000.
Pinnacle Bank's payroll and benefits expense were $76,767,000.
Pinnacle Bank's property, plant and equipment expenses $12,594,000.

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	0.4%
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	$6,984,915
Deposits held in domestic offices	$6,984,915
Deposits by Individuals, partnerships, and corporations	$6,410,565
Deposits by U.S. Government	$1
Deposits by States and political subdivisions in the U.S.	$572,779
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	$2,181,413
Demand deposits	$1,935,381
Nontransaction accounts	$4,803,502
Money market deposit accounts (MMDAs)	$3,205,042
Other savings deposits (excluding MMDAs)	$772,768
Total time deposits	$825,692
Total time and savings deposits	$5,049,534
Noninterest-bearing deposits	$940,200
Interest-bearing deposits	$6,044,715
Retail deposits	$6,743,007
IRAs and Keogh plan accounts	$111,378
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$7,852,003
Cash & Balances due from depository institutions	$764,922
Interest-bearing balances	$654,598
Total securities	$2,193,205
Federal funds sold & reverse repurchase	$0
Net loans and leases	$4,688,495
Loan and leases loss allowance	$65,364
Trading account assets	$0
Bank premises and fixed assets	$89,740
Other real estate owned	$0
Goodwill and other intangibles	$23,622
All other assets	$92,019

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$7,852,003
Total Liabilities	$7,154,428
Total deposits	$6,984,915
Interest-bearing deposits	$6,044,715
Deposits held in domestic offices	$6,984,915
% insured (estimated)	$66
Federal funds purchased and repurchase agreements	$84,475
Trading liabilities	$0
Other borrowed funds	$45,486
Subordinated debt	$0
All other liabilities	$39,552

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$4,688,495
Loan and leases loss allowance	$65,364
Total loans and leases (domestic)	$4,753,859
All real estate loans	$3,484,807
Real estate loans in domestic offices	$3,484,807
Construction and development loans	$624,939
Residential 1-4 family construction	$138,383
Other construction, all land development and other land	$486,556
Loans secured by nonfarm nonresidential properties	$1,427,735
Nonfarm nonresidential secured by owner-occupied properties	$412,896
Commercial real estate & other non-farm, non-residential	$1,014,839
Multifamily residential real estate	$293,746
1-4 family residential loans	$586,772
Farmland loans	$551,615
Loans held in foreign offices	$0
Farm loans	$612,470
Commercial and industrial loans	$482,157
To non-U.S. addressees	$0
Loans to individuals	$63,687
Credit card loans	$4,054
Related Plans	$885
Consumer Auto Loans	$34,791
Other loans to individuals	$23,957
All other loans & leases	$114,806
Loans to foreign governments and official institutions	$0
Other loans	$9,586
Loans to depository institutions and acceptances of other banks	$36,516
Loans not secured by real estate	$8,666
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 $4,688,495,000 of loans outstanding in 2021. $3,484,807,000 of loans were in real estate loans. $624,939,000 of loans were in development loans. $293,746,000 of loans were in multifamily mortgage loans. $586,772,000 of loans were in 1-4 family mortgage loans. $612,470,000 of loans were in farm loans. $4,054,000 of loans were in credit card loans. $34,791,000 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	989	$205,778	$208,067
Nonfarm, nonresidential loans - <$100k	284	$10,728	$37,775
Nonfarm, nonresidential loans - $100-250k	315	$36,689	$116,473
Nonfarm, nonresidential loans - $250k-1MM	390	$158,361	$406,054
Commercial & Industrial, US addressed loans - <$1MM	2,608	$149,821	$57,447
Commercial & Industrial, US addressed loans - <$100k	1,806	$33,628	$18,620
Commercial & Industrial, US addressed loans - $100-250k	433	$37,394	$86,360
Commercial & Industrial, US addressed loans - $250k-1MM	369	$78,799	$213,547
Farmland loans - <$1MM	893	$138,329	$154,904
Farmland loans - <$100k	234	$9,477	$40,500
Farmland loans - $100-250k	359	$45,625	$127,089
Farmland loans - $250k-1MM	300	$83,227	$277,423
Agriculture operations loans - <$1MM	1,582	$107,895	$68,202
Agriculture operations loans - <$100k	891	$18,317	$20,558
Agriculture operations loans - $100-250k	359	$28,683	$79,897
Agriculture operations loans - $250k-1MM	332	$60,895	$183,419