Pinnacle Bank (PBNK)

Pinnacle Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	48.76	51.71	46.68	31.92	24.13
Total Interest Income	48.76	51.71	46.68	31.92	24.13
Interest Paid on Deposits	13.65	13.73	9.54	2.02	1.05
Total Interest Expense	13.65	13.73	9.54	2.02	1.05
Net Interest Income	35.11	37.98	37.14	29.9	23.08
Net Interest Income Growth (YoY)	-7.56%	2.28%	24.21%	29.55%	13.76%
Other Non-Interest Income	1.87	2.2	4.14	2.9	7.09
Total Non-Interest Income	1.87	2.2	4.14	2.9	7.09
Non-Interest Income Growth (YoY)	-14.98%	-46.92%	42.61%	-59.05%	90.10%
Revenues Before Loan Losses	36.98	40.18	41.28	32.8	30.16
Provision for Loan Losses	6.22	3.79	0.33	-1.15	-
Revenue	30.76	36.39	40.95	33.95	30.16
Revenue Growth (YoY)	-15.48%	-11.13%	20.60%	12.55%	37.45%
Other Non-Interest Expense	23.33	24.09	24.4	22.02	19.24
Total Non-Interest Expense	23.33	24.09	24.4	22.02	19.24
EBT Excluding Unusual Items	7.43	12.3	16.55	11.94	10.92
Pretax Income	7.43	12.3	16.55	11.94	10.92
Income Tax Expense	1.98	3.46	4.78	3.48	3.17
Net Income	5.45	8.85	11.77	8.45	7.75
Net Income to Common	5.45	8.85	11.77	8.45	7.75
Net Income Growth	-38.39%	-24.85%	39.25%	9.07%	96.65%
Basic Shares Outstanding	6	6	6	5	5
Diluted Shares Outstanding	6	6	6	6	5
Shares Change (YoY)	0.88%	4.40%	2.25%	1.90%	2.48%
EPS (Basic)	0.92	1.52	2.09	1.55	1.45
EPS (Diluted)	0.91	1.49	2.07	1.52	1.42
EPS Growth	-38.93%	-28.02%	36.18%	7.04%	91.89%
Effective Tax Rate	26.61%	28.09%	28.86%	29.18%	29.05%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.