Applications / Mortgage Analytics / Lenders / Alabama / Pinnacle Bank
Jasper, AL · State non-member bank · FDIC · $364 million assets · 31 loans in 2025
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31
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pinnacle Bank, a small Alabama bank that has reported since 1990, makes few home loans, and most of them refinance or improve homes their owners already have.
It made 31 loans in 2025, down 21% from 39, while similar lenders grew 1%. A typical similar lender, meaning another state non-member bank making between half and twice as many loans, made 43. Refinancing accounted for 48.4% of its loans and home improvement for 25.8%; purchases were only 16.1%.
Its typical loan was $95,000, against $175,000 at a typical similar lender, smaller than at more than nine in ten of its peers. That fits its purpose mix: home-improvement loans and refinancing usually involve less money than buying a house.
It placed 38.7% of its loans in low- and moderate-income neighborhoods, about double the 19.0% of its peers. On 31 loans one year could mislead, but the share was 38.5% in 2024 as well.
It has lent around Birmingham since 1990 and ranks 202 of 523 lenders there. It took its present name in 1996, having been First Federal of Alabama, FSB. It filed no report for 2020, 2021 or 2022, when small lenders did not have to; those are gaps in the record, not years without lending.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Pinnacle Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.4% · Home improvement 25.8% · Purchase 16.1% · Other 9.7%
Conventional 100.0% · of 31 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 30 | 96.8% |
| Florida | 1 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 25 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E8XHQWHOJSZJ97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 288376 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43645 | 1990–1996 |
| Respondent ID (the HMDA filer code before 2018) | 329548 | 1997–2017 |
Established 1 November 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pinnacle Bank's data.
Pinnacle Bank's data
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Pinnacle Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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