🏦Bank Scorer

PINNACLE BANK

ELBERTON, GA · Supervised by FDIC

Est. 1934FDIC #14,065RSSD: FDIC-14065
Part ofVALLANT FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

884 Elbert St, ELBERTON, GA

County

Elbert County

Established

March 12, 1934

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$2.1B

Net Loans

$1.7B

Net Income

$7M

ROA

1.18%

ROE

12.12%

Risk-Based Capital

12.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

26

Branch Deposits

$2.0B

1-Year Change

+1

5-year net change: +5 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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