Pinnacle Bank

BankGilroy, California
http://www.pinnacle.bank

Total Assets

$890.4M

Total Deposits

$765.8M

Branches

4

Established

2006

TFS Health Grade

$
C-

71.8 / 100

Average financial health

How we grade

Pinnacle Bank is a bank headquartered in Gilroy, California, established in 2006. With $890.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (71.8/100).

Capital & Safety

Tier 1 Capital Ratio
11.80%(8%)
Total Capital Ratio
17.24%(10%)
Non-Performing Loan Ratio
3.44%

Profitability

Return on Assets (ROA)
0.62%(1%)
Return on Equity (ROE)
5.28%(10%)
Net Interest Margin
4.19%
Efficiency Ratio
63.09%(60%)

Lending & Liquidity

Total Loans
$580.6M
Loan-to-Deposit Ratio
74.10%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+5.14%
Deposit Growth (YoY)
+4.59%
Net Income
$5.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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