Why Pinnacle Bank

Each week, it seems as if bankers and consumers alike hold their breath to hear if the FDIC has shuttered another bank. At Pinnacle Bank, we breathe easy knowing that as one of the most successful banks in the region, the FDIC isn't going to come knocking.

As a community bank, we remain committed to the northeast Georgia area. After all, this has been our home for over 75 years. Through the years, our relationships with customers, employees and shareholders have been the driving force behind our success and we work hard to ensure that these relationships continue to thrive.

Over the past few months, there have been many misconceptions about banking and the soundness of the industry. We want to help you sort fact from fiction by providing a few known facts:

FACT:

Your money is safe at Pinnacle Bank. No depositor has ever lost a single penny of their deposits at Pinnacle Bank. In fact, deposits are insured by the FDIC up to $250,000 per depositor until December 31, 2013

FACT:

Pinnacle Bank did not participate in the government's Capital Assistance Program. While many of the nation's largest banks accepted tax dollars to fund new loans, Pinnacle has continued to lend - in fact, while other banks were accepting bailouts, we've booked over $68 million in new loans to qualified borrowers.

FACT:

Risky investments have never been a part of Pinnacle Bank's business plan. Our conservative approach to banking has allowed us to maintain a profitable loan portfolio with few losses due to unqualified borrowers. We treat our loan portfolio like you might treat your retirement portfolio-we lower our risk by investing in a variety of industries.

FACT:

Pinnacle Bank continues to be "well capitalized." This is based on the FDIC's definition. A bank's capital serves as its "rainy day" fund in case of losses. At the end of the first quarter in 2009, Pinnacle Bank had over $60 million in capital.

FACT:

Pinnacle Bank is not a new bank. We've been in business for over 75 years and look forward to the next 75 years. During this time, we've learned quite a few things about banking - what works and what doesn't work. We have stayed true to our conservative philosophy and continue to thrive.