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Pinnacle Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $1.08 million, up from $244,000 in Q3 2024, a 341% year-over-year increase.
Total assets grew 2% year-over-year to $905.7 million as of September 30, 2025.
Book value per share increased 9% year-over-year to $17.81.
Financial highlights
Interest income for Q3 2025 was $12.36 million, down 6% from Q3 2024.
Net interest income for Q3 2025 was $8.88 million, down 6% year-over-year.
Provision for loan losses in Q3 2025 was $2 million, compared to $3.43 million in Q3 2024.
Non-interest expense for Q3 2025 was $5.93 million, down 4% year-over-year.
Net income for the nine months ended September 30, 2025 was $5.16 million, down 5% from the prior year period.
Outlook and guidance
Management emphasizes relationship banking and continued focus on personalized service to drive shareholder value.
Forward-looking statements note risks from interest rates, inflation, regulations, and real estate market conditions.
Loan portfolio strategy given 8% decline?
Nonaccrual loan outlook and future provisions?
NII outlook given loan decline and rates?
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Next Pinnacle Bank earnings date
Q4 202511 Feb, 2026
Pinnacle Bank
Next Pinnacle Bank earnings date
Q4 202511 Feb, 2026
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Frequently asked questions
Pinnacle Bank operates as a regional bank, providing a range of banking and financial services to individuals, businesses, and institutions. Its offerings include personal and business banking products such as checking and savings accounts, loans, mortgages, and credit solutions. Pinnacle Bank also delivers specialized services in wealth management, including retirement planning, trust services, and investment management, aimed at helping clients meet their financial objectives. The bank serves customers through a network of branches and digital platforms that offer convenient banking solutions. The company is headquartered in Gilroy, California, and its shares are listed on the OTCQX.
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