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Native American

We do not inherit the earth from our ancestors; we borrower it from our children.closeingquote.1 2

~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 20 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.

ATM Management.  We can assist with the management of ATM services at your facilities.  

Tribal Credit Repair Loan Program.  Pinnacle Bank currently offers to our enrolled tribal members, a personal loan program and/or a vehicle loan program.  These loans are secured by the per cap of the enrolled member, and also the vehicle title if it is an auto loan.  With this program, we are seeing an increase in our tribal members’ credit scores, which can help with future financial transactions like renting or purchasing a home, purchasing more reliable automobiles, obtaining better rates on insurance, and securing store credit to purchase appliances or furniture.

USDA, BIA, and SBA Guaranteed Loans.  Our experienced lending department can assist you with your USDA, BIA, or SBA Guaranteed loan needs.

We look forward to working with you!

Latest News

In late September, Pinnacle Bank upgraded its online banking system. The new system is easier to use and offers several enhanced features, including:
  • Real-time transaction posting 
  • Ability to view check images 
  • E-statements will be available through online banking–a separate login will no longer be needed 
  • Spending reports will be available 
  • Ability to export history to financial software or spreadsheets 
  • Easier navigation 
To enroll in online banking, click on Personal Enrollment and follow the prompts.