Pinnacle Savings Bank – Pittsburgh, PA – $3.4B Assets
| Deposit Segment | Rate Beta | Avg. Cost | Balance ($M) |
|---|---|---|---|
| Operational DDA | 8% | 0.05% | $842 |
| Retail Savings | 42% | 2.18% | $1,124 |
| Retail CD | 95% | 4.62% | $487 |
| Commercial DDA | 18% | 0.32% | $634 |
| Commercial MMDA | 78% | 3.91% | $289 |
| Brokered Deposits | 98% | 4.83% | $152 |
| Facility Name | Counterparty | Total Capacity | Utilized | Available | Collateral Req. | Status |
|---|---|---|---|---|---|---|
| FHLB Advance Line | Federal Home Loan Bank Pittsburgh | $687M | $142M | $545M | Eligible Mortgages | Active |
| Fed Discount Window | Federal Reserve Bank Cleveland | $412M | $0M | $412M | Pledged Securities | Active |
| Unsecured Fed Funds Line | PNC Bank | $50M | $0M | $50M | None | Active |
| Correspondent Repo Line | J.P. Morgan | $75M | $18M | $57M | UST/Agency MBS | Active |
| Bank Term Funding Program | Federal Reserve | $0M | $0M | $0M | N/A | Expired |
| Depositor Cohort | Balance ($M) | % of Deposits | Risk Class |
|---|---|---|---|
| Top 1 Depositor | $87 | 2.6% | Critical |
| Top 2-5 Depositors | $234 | 6.9% | Elevated |
| Top 6-10 Depositors | $187 | 5.5% | Elevated |
| Top 11-25 Depositors | $312 | 9.2% | Moderate |
| Brokered Deposits | $152 | 4.5% | Elevated |
| Other Retail/Commercial | $2,556 | 75.2% | Low |