Pinnacle Bancshares (OTCMKTS:PCLB), Inc. is the bank holding company for Pinnacle Bank, a community-oriented financial institution offering a full suite of banking and trust services. Through its subsidiary, the company provides commercial and consumer banking solutions, including checking and savings accounts, certificates of deposit, and cash management services tailored to the needs of small and mid-sized businesses, professionals, and individuals. Established in the early 1980s, Pinnacle Bancshares has grown steadily through a combination of organic expansion and strategic acquisitions, reinforcing its reputation for personalized service and local decision-making.
The company’s core activities center on lending and deposit gathering. Commercial lending offerings range from working capital lines to term loans and commercial real estate financing, while consumer lending includes residential mortgages, home equity lines of credit, and consumer installment loans. In addition to traditional lending products, Pinnacle Bancshares delivers treasury management services such as ACH origination, wire transfers, merchant services, and online banking platforms designed to streamline cash flow and enhance operational efficiency for its customers.
Pinnacle Bancshares conducts its business primarily in the South Central United States, with a network of branches and loan production offices across Texas, Oklahoma, and New Mexico. This regional focus enables the company to develop deep relationships within the communities it serves, supporting local economic development initiatives, municipal financing, and nonprofit organizations. The bank’s local governance model empowers branch teams to make credit and service decisions, ensuring responsiveness to evolving market conditions and customer needs.
The leadership team at Pinnacle Bancshares is helmed by President and Chief Executive Officer Michael J. Rodgers, who brings over three decades of banking experience and a commitment to community engagement. The board of directors, chaired by Donald A. Myers, oversees corporate governance, risk management, and strategic planning. Under this experienced management group, the company continues to emphasize prudent growth, asset quality, and high standards of customer care, positioning Pinnacle Bancshares for sustained success in the competitive regional banking landscape.
