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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Gilroy, CA · FDIC certificate #58297
PINNACLE BANK is an FDIC-insured institution based in Gilroy, CA (FDIC certificate #58297). In its Q3 2026 Call Report it reported total assets of $994M, total deposits of $865M and net loans of $570M. Its primary federal regulator is FDIC.
Plain-language readout
PINNACLE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $994M in Q3 2026 and were lowest at $937M in Q2 2026.
Total deposits were highest at $865M in Q3 2026 and lowest at $810M in Q2 2026.
Over the whole period total assets rose 5.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $994M | $865M | $570M | 0.43% | 3.74% | 3.84% |
| Q2 2026 | $937M | $810M | $569M | 0.61% | 5.19% | 3.75% |
| Q1 2026 | $946M | $824M | $554M | 0.57% | 4.93% | 3.81% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $115.1M | $130.1M | -$15.0M | -11.5% |
| Federal funds sold | $120.0M | $139.8M | -$19.8M | -14.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $95.6M | $88.0M | +$7.6M | +8.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $569.1M | $553.9M | +$15.2M | +2.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.8M | $10.1M | -$254K | -2.5% |
| Other real estate owned | $4.0M | $642K | +$3.4M | +528.8% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.1M | $1.1M | -$64K | -5.6% |
| All other assets | $22.2M | $22.2M | +$81K | +0.4% |
| Total assets | $937.0M | $945.8M | -$8.8M | -0.9% |
| Liabilities | ||||
| Total deposits | $810.3M | $823.5M | -$13.2M | -1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $17.1M | $14.4M | +$2.8M | +19.4% |
| Total liabilities | $827.5M | $837.9M | -$10.4M | -1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $51.2M | $51.2M | $0K | 0.0% |
| Surplus | $7.0M | $6.9M | +$150K | +2.2% |
| Retained earnings | $52.2M | $50.8M | +$1.5M | +2.9% |
| Accumulated other comprehensive income | -$971K | -$938K | -$33K | -3.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $109.5M | $107.9M | +$1.6M | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $17.3M | $21.9M | -$4.6M | -21.1% |
| Adjusted nonperforming assets | $15.8M | $20.3M | -$4.6M | -22.5% |
| Tangible equity plus allowance | $115.7M | $119.7M | -$4.0M | -3.4% |
| Texas ratio (gross) | 14.95% | 18.30% | -3.35 pts | See points |
| Texas ratio (adjusted) | 13.63% | 16.99% | -3.36 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 16.45% | 16.45% | -0.01 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.45% | 16.45% | -0.01 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.09% | 1.26% | -0.17 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.54% | 17.71% | -0.17 pts | See points |
| Tier 1 leverage (approximate) | 11.88% | 11.87% | +0.01 pts | See points |
| Construction and land loans to total capital | 3.67% | 2.82% | +0.85 pts | See points |
| Commercial real estate to total capital | 227.76% | 221.18% | +6.58 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.11% | -5.98% | -0.13 pts | See points |
| Liquidity | ||||
| Core deposits | $712.6M | $712.3M | +$307K | +0.0% |
| Non-core funding | $97.7M | $111.2M | -$13.5M | -12.1% |
| Loans to core deposits | 80.88% | 79.58% | +1.30 pts | See points |
| Loans to deposits | 71.13% | 68.84% | +2.30 pts | See points |
| Brokered deposits share of deposits | 5.08% | 6.77% | -1.69 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 24.66% | 24.49% | +0.16 pts | See points |
| Volatile liabilities | $97.7M | $111.2M | -$13.5M | -12.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.0M | $1.9M | +$2.1M | +109.2% |
| Earnings before provision, single quarter | $2.1M | $1.9M | +$176K | +9.2% |
| Provision for credit losses, year to date | $149K | $149K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.20% | 6.22% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.64% | +0.04 pts | See points |
| Total interest income to average assets | 5.07% | 5.16% | -0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.89% | 0.92% | -0.03 pts | See points |
| Cost of savings and money market deposits | 2.47% | 3.26% | -0.78 pts | See points |
| Cost of time deposits | 3.41% | 3.41% | +0.00 pts | See points |
| Total interest expense to average assets | 1.56% | 1.53% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $994M | $865M | $570M | 0.43% | 3.74% | 3.84% |
| 2026-06-30 | $937M | $810M | $569M | 0.61% | 5.19% | 3.75% |
| 2026-03-31 | $946M | $824M | $554M | 0.57% | 4.93% | 3.81% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $759.3M | 0.04% | 94 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.