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Examined: Sat, 25 Apr 2026 19:41:34 GMT

Pinnacle Bank

RSSD 2925666 · TN · Total assets $57,637M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
1 finding
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Liquidity Procedure L-02

Brokered deposit concentration elevated

Citation
12 CFR § 337.6 — Brokered deposits; FDIC Brokered Deposit Rule
Evidence
Brokered deposits $7,940M against total deposits $43,089M. Elevated brokered-deposit reliance can increase liquidity sensitivity, funding-cost volatility, and supervisory restrictions if capital condition weakens.
Recommended action
Provide a brokered-deposit funding plan with board-approved concentration limits, maturity distribution, rate-sensitivity analysis, and contingency actions if brokered channels become unavailable or restricted. Demonstrate compliance monitoring for 12 CFR § 337.6.

Key ratios computed

Tier 1 ratio
11.58%
↑ rank 26 of 33 · regional
Tier 1 leverage
9.78%
↑ rank 11 of 34 · regional
Total capital
12.52%
↑ rank 31 of 34 · regional
NPL ratio
0.42%
ACL coverage
273.88%
CRE concentration
125.38%
Construction conc.
70.51%
ROA (annualized)
1.04%
↑ rank 19 of 34 · regional
NIM
3.13%
↑ rank 22 of 34 · regional
Efficiency ratio
53.96%
↓ rank 9 of 34 · regional
Loans / Deposits
82.81%
Brokered / Deposits
18.43%
Uninsured / Deposits
37.01%
Liquid asset ratio
5.93%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$52,489M
23Q03$44,988M 23Q06$46,759M 23Q09$47,374M 23Q12$47,830M 24Q03$48,762M 24Q06$49,227M 24Q09$50,562M 24Q12$52,489M
Tier 1 leverage
9.78%
23Q039.95% 23Q069.82% 23Q099.67% 23Q129.67% 24Q039.73% 24Q069.72% 24Q099.85% 24Q129.78%
Tier 1 RBC ratio
11.58%
23Q0310.83% 23Q0611.09% 23Q0911.21% 23Q1211.14% 24Q0311.27% 24Q0611.52% 24Q0911.69% 24Q1211.58%
ROA (YTD ann.)
1.04%
23Q031.34% 23Q061.58% 23Q091.46% 23Q121.32% 24Q031.09% 24Q060.81% 24Q090.96% 24Q121.04%
NIM (YTD ann.)
3.13%
23Q033.30% 23Q063.23% 23Q093.19% 23Q123.16% 24Q033.01% 24Q063.06% 24Q093.11% 24Q123.13%
Efficiency ratio
54.0%
23Q0349.6% 23Q0644.1% 23Q0945.3% 23Q1248.5% 24Q0353.2% 24Q0655.8% 24Q0954.6% 24Q1254.0%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

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