Tribal Solutions

Native-to-Native Services Image of Eagle Soaring"We do not inherit the earth from our ancestors; we borrow it from our children."

~Chief Seattle

Chartered in 1927, Pinnacle Bank has been 100% native owned by the Sac and Fox Tribe of the Mississippi in Iowa (Meskwaki) since 2009. We understand the unique challenges facing Native Americans. Our understanding and respect for the Native culture makes partnering with Pinnacle Bank a wise decision.

We are one of only 18 tribally owned banks in the United States, and we are the ONLY one with active trust powers. This enables us to offer comprehensive trust and investment services for tribes. While our tribal ownership is relatively new, our bank staff and trust officers bring vast experience in banking with the trust officers having over 60 years of combined experience.

Pinnacle Bank offers customized services that are flexible to fit the needs of your tribe. Should your revenues be from forestry, fisheries (aquaculture), gas and soil, agribusiness, farm and ranch land, or other tribal investments, we have a solution for you. We value proactive participation and strive to create enduring relationships.

Minors Per Capita Trust*.  Minors trust management is a top priority for our trust department. We believe an integral part of minors trust management is financial literacy. As an independent financial institution, Pinnacle Bank does not have any proprietary investment products to sell or gain a commission on. We research various indexes and back test our investment strategies to ensure that we are competitive with the products we offer. Pinnacle Bank’s Native American culturally-specific financial literacy program has been recognized by Native American Finance Officers Association (NAFOA) as their financial literacy program of the year for 2012. We have reached out to over 500 minor children with this program.


401(k)*.  We can assist in the administration of your 401K program.

General Investments*.  We can help invest any of your tribe's funds.

USDA, SBA, and Indian Loan Guaranty Program.  Our experienced lending department can assist you with your USDA, SBA, and Indian Loan Guaranty (f/k/a BIA) loan needs.

We look forward to working with you!

*This product is not insured by the FDIC. This product is not a deposit or other obligation of, or guaranteed by, the bank. This product is subject to investment risks, including possible loss of the principle amount invested.