PINNACLE BANK

MORGAN HILL, CA | Medium | Est. July 17, 2006, midnight | FDIC #58297 | RSSD #3455227 | FDIC
Latest Report: 2025-12-31

PINNACLE BANK is amn medium FDIC-insured commercial bank headquartered in MORGAN HILL, CA, established in July 17, 2006, midnight. As of 2025-12-31, the bank reported total assets of $890M and total deposits of $766M. Profitability stands at 0.13% ROA and 1.08% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 15.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.44% and a Texas Ratio of 16.71%. FDIC Certificate #58297.

Assets

$890M

Deposits

$766M

Loans

$581M

Equity

$106M

Profitability

Return on Assets (ROA) 0.13%
Return on Equity (ROE) 1.08%
Net Interest Margin (NIM) 4.17%
Yield on Assets 5.85%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 3.44%
Net Charge-Off Ratio 0.07%
Texas Ratio 16.71%
NPA Ratio 2.24%
ACL / Loans 2.27%

Capital & Liquidity

CET1 Ratio 15.98%
Tier 1 Capital 15.98%
Total Capital Ratio 17.24%
Leverage Ratio 11.80%
Loan-to-Deposit 75.81%

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