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Pinnacle Bank - Wyoming
Cody, WY · FDIC Certificate #2232 · Chartered 04/0
Total assets
$1.30B
Total deposits
$1.16B
Total equity
$126.79M
Net loans
$922.30M
Branches (offices)
15
Net income (YTD)
$10.86M
Rank: #848 of 4,213 U.S. banks by assets · #1 of 24 in Wyoming. Assets changed 1.9% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 17.49% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 9.76% |
| Tier 1 leverage ratio | 10.69% |
| Uninsured deposits (share of deposits) | 25.9% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 79.2% |
| Real estate loans (share of loans) | 85.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $784.60M | 85.1% | |
| Commercial & industrial | $70.66M | 7.7% | |
| Consumer / individual | $7.81M | 0.8% | |
| Construction & development | $62.77M | 6.8% | |
| Agricultural | $70.03M | 7.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.28B | $1.17B | $7.70M | $99.76M |
| Jun 2023 | $1.28B | $1.12B | $5.42M | $92.99M |
| Jun 2024 | $1.36B | $1.15B | $5.79M | $101.24M |
| Jun 2025 | $1.27B | $1.14B | $7.40M | $118.46M |
| Jun 2026 | $1.30B | $1.16B | $10.86M | $126.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wyoming | $1.11B | 14 |
| Nebraska | $50.92M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.16B.
Similar-sized banks
Jonesboro State Bank ($1.30B) · The Richwood Banking Company ($1.30B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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