🏦Bank Scorer

This institution is no longer active

Operations ceased on May 30, 2001. CRA examination history below reflects the period it was active.

PINNACLE BANK

SAINT JOSEPH, MI · Supervised by FDIC

Est. 1932FDIC #8,164RSSD: FDIC-8164
Part ofFIFTH THIRD BCORP→ View all charters
Satisfactory Same

Current rating · Exam: October 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

830 Pleasant Street, SAINT JOSEPH, MI

County

Berrien County

Established

January 9, 1932

Total Assets

$10.5B(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, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2001Call Report / FDIC

Total Assets

$10.5B

Total Deposits

$6.8B

Net Loans

$5.0B

Net Income

$30M

ROA

1.13%

ROE

12.68%

Risk-Based Capital

11.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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