Pinnacle Banc Stock Price, News & Analysis

Pinnacle Bancshares, Inc. (symbol PCLB) is a financial holding company in the commercial banking industry within the finance and insurance sector. According to its public disclosures, Pinnacle Bancshares, Inc. has a wholly owned subsidiary, Pinnacle Bank, which operates as a commercial bank. The company’s stock is quoted on the OTC Bulletin Board under the symbol PCLB.

The company reports that Pinnacle Bank has seven offices located in central and northwest Alabama. Through these offices, the bank engages in traditional commercial banking activities reflected in its financial statements, including loans, deposits, and investment securities. The bank’s balance sheet shows categories such as loans, securities available for sale, deposits, subordinated debentures, and other borrowings, which are typical for a commercial banking institution.

Business structure and operations

Pinnacle Bancshares, Inc. presents consolidated financial information that combines the parent company and its subsidiary, Pinnacle Bank. The statements of financial condition identify major asset categories including cash and cash equivalents, interest-bearing deposits in banks, securities available for sale, restricted equity securities, loans (net of an allowance for loan losses), premises and equipment, right-of-use lease assets, goodwill, bank owned life insurance, accrued interest receivable, deferred tax assets, and other assets.

On the liability side, the company reports noninterest-bearing deposits, interest-bearing deposits, subordinated debentures, other borrowings, accrued interest payable, operating lease liabilities, and other liabilities. Stockholders’ equity includes common stock, additional paid‑in capital, treasury stock, retained earnings, and accumulated other comprehensive loss. These disclosures indicate a focus on core commercial banking activities funded primarily through customer deposits and supplemented by borrowings and subordinated debentures.

Commercial banking focus

The company’s income statements show that its revenue is primarily generated from interest income on loans, securities available for sale, and other interest-bearing assets. Interest expense is incurred on deposits, borrowings, and subordinated debentures, with the difference reported as net interest income. The company also reports other income from fees and service charges on deposit accounts, bank owned life insurance, and mortgage fee income.

Operating expenses include salaries and employee benefits, occupancy expense, marketing and professional expense, and other operating expenses. After income tax expense, the company reports net income and basic and diluted earnings per share. These categories reflect a traditional commercial banking model where profitability is influenced by net interest margin, fee income, operating costs, and credit quality.

Capital and asset quality metrics

Pinnacle Bancshares, Inc. discloses several key performance and regulatory measures. Its press releases state that Pinnacle Bank is classified as “well capitalized” under applicable regulatory guidelines, with capital ratios above the thresholds required for that designation at the reported dates. The company also reports asset quality ratios, including nonperforming loans as a percent of total loans, nonperforming assets as a percent of total loans, and the allowance for loan losses as a percent of total loans.

The financial highlights include performance ratios such as return on average assets, return on average equity (excluding accumulated other comprehensive income or loss), interest rate spread, net interest margin, operating cost to assets, and average stockholders’ equity to assets ratio (excluding accumulated other comprehensive income or loss). These metrics provide insight into profitability, efficiency, and capital strength as presented by the company.

Dividends and shareholder returns

Pinnacle Bancshares, Inc. regularly announces cash dividends in its public news releases. Multiple announcements describe a quarterly cash dividend of $0.27 per share, with the company stating that this amount is equivalent to an annualized rate of $1.08 per share. The condensed consolidated statements of stockholders’ equity and income also reference cash dividends declared per share over various reporting periods.

These disclosures indicate that the company has a practice of returning capital to shareholders through quarterly cash dividends, as approved by its Board of Directors and described in its press releases and financial statements. The specific dividend amounts and payment dates are detailed in those releases and are subject to board approval each period.

Geographic footprint

The company’s news releases state that Pinnacle Bancshares, Inc.’s wholly owned subsidiary, Pinnacle Bank, has seven offices in central and northwest Alabama. While the releases do not list individual cities for each office, this description indicates that the bank’s physical branch network is concentrated within that region of Alabama.

Risk, liquidity, and interest rate environment

Pinnacle Bancshares, Inc. discusses the effects of inflation and rising interest rates on its securities portfolio. The company notes that inflation led to a substantial rise in interest rates in prior years, which had a negative effect on the securities market and resulted in an accumulated other comprehensive loss on securities available for sale. The company characterizes these losses as unrealized and attributes them to higher interest rates rather than credit deterioration, based on its assessment as described in the press releases.

Management commentary in the releases also addresses liquidity. The company states that it believes it has adequate or sufficient liquidity, citing a low loan-to-deposit ratio and access to outside funding sources. It also notes net funding availability as a percentage of franchise funding relative to an internal minimal limit. In addition, the bank states that it provides access to additional FDIC insurance coverage for accounts that would otherwise exceed standard deposit insurance limits.

Trading and reporting

Pinnacle Bancshares, Inc. identifies itself in news releases with the designation (OTCBB: PCLB), indicating that its shares are quoted on the OTC Bulletin Board. The company issues periodic press releases summarizing unaudited financial highlights, condensed consolidated statements of financial condition, income, stockholders’ equity, and cash flows for interim periods, as well as audited figures for certain year-end comparisons.

The company’s disclosures emphasize that certain information in its press releases, other than historical information, may be considered forward‑looking in nature and subject to various risks, uncertainties, and assumptions. The releases state that actual results may differ materially from those anticipated and that the company undertakes no duty to update forward‑looking statements.

Position within the finance and insurance sector

Within the broader finance and insurance sector, Pinnacle Bancshares, Inc. presents itself as a commercial banking organization operating through Pinnacle Bank. Its financial reporting highlights core banking activities such as interest-earning assets, deposit funding, capital management, and asset quality. The company’s focus on net interest income, fee income from deposit accounts, and maintenance of regulatory capital ratios aligns with its classification in the commercial banking industry.

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