Pinnacle Bank (Morgan Hill, CA)
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Data as of · sourced from FFIEC call reports. How we update
Pinnacle Bank is an FDIC-insured commercial bank headquartered in Morgan Hill, CA, established in 2006 (FDIC certificate 58297), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $937.0M, up 6.7% from Q2 2025, the 63rd largest of 113 banks headquartered in California. Its CET1 capital ratio was 16.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58297
- Headquarters
- Morgan Hill, CA
- Established
- 2006
- Total assets, Q2 2026
- $937.0M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 16.45%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 121144340
- Asset rank in state
- 63rd of 113 in California
Problem loans are rising at Pinnacle Bank. Based in Morgan Hill, California, it had $937 million in assets at June 30, 2026, up 6.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.04% of loans from 1.46% a year earlier. It carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 5.4% a year on shareholders' equity, about half the median of 12.5% for banks its size.
The non-owner-occupied commercial real estate book ($246 million) is worsening: 11.65% of it is past due or on nonaccrual, up from 7.25% a year earlier. Earnings fell sharply: quarterly net income of $1.5 million was 32% below a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Pinnacle Bank reported a CET1 capital ratio of 16.45%, a return on assets of 0.64%, a nonperforming-loan ratio of 2.30% and a Texas ratio of 13.50%. The figures come from its call report filed with the FFIEC.
Pinnacle Bank ranks as the 63rd largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $937.0M, loans rose 1.7% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 42.7% of total loans, ahead of owner-occupied commercial real estate loans at 37.1%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in CA; its Gilroy office books 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pinnacle Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7597 Monterey St, Morgan Hill, CA 95020
- County
- Santa Clara
- Metro Area
- San Jose-Sunnyvale-Santa Clara, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 17, 2006
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $810.3M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $6.0M
- Average total assets
- $930.3M
- Average total loans
- $572.8M
- Average interest-bearing deposits
- $564.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 17, 2006
- FDIC Cert
- 58297
- Fed RSSD
- 3455227
- Website
- http://www.pinnacle.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Pinnacle Bank's total assets moved between a low of $817.4M (Q4 2023) and a high of $945.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$937.0M total assets against $878.1M; $827.5M total liabilities against $774.0M.
$569.1M net loans and leases against $558.6M; $810.3M total deposits against $759.3M.
$95.6M securities against $100.2M; $235.1M cash and balances due against $183.5M.
$11.8M total interest income against $12.3M; $3.6M total interest expense against $3.4M.
$8.1M net interest income against $8.9M.
$44K total noninterest income against $600K; $6.1M total noninterest expense against $6.5M.
$0 provision for credit losses against $0.
$1.5M net income against $2.2M.
0.64% return on assets against 0.99%; 3.60% net interest margin against 4.23%.
16.45% CET1 capital ratio against 16.44%; 11.88% tier 1 leverage ratio against 12.04%.
Inside the full Pinnacle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pinnacle Bank rankings
Its closest position to the top of a national ranking is 382 of 3,640, for Texas Ratio; its furthest is 3,102 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 1.55% (Q4 2024) and its net interest margin ran from 3.60% (Q2 2026) to 4.50% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.45% | 0.64% | 2.30% | 13.50% | 3.60% |
| Q1 2026 | 16.45% | 0.58% | 3.75% | 16.83% | 3.73% |
| Q4 2025 | 15.98% | 0.13% | 3.44% | 16.71% | 3.93% |
| Q3 2025 | 16.50% | 0.48% | 2.43% | 10.26% | 4.11% |
| Q2 2025 | 16.44% | 0.99% | 1.46% | 10.37% | 4.23% |
| Q1 2025 | 16.09% | 0.89% | 2.06% | 8.83% | 4.19% |
| Q4 2024 | 15.22% | 1.55% | 2.01% | 8.42% | 4.41% |
| Q3 2024 | 14.26% | 0.11% | 1.38% | 5.23% | 4.50% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pinnacle Bank (main office) | Gilroy , CA | 95020 | $273.0M |
| Morgan Hill Branch | Morgan Hill , CA | 95037 | $214.1M |
| Salinas Branch | Salinas , CA | 93901 | $191.8M |
| Campbell Branch | Campbell , CA | 95008 | $131.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 90 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $12.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pinnacle Bank
What are Pinnacle Bank's total assets?
As of the Q2 2026 filing, Pinnacle Bank reported total assets of $937.0 million in its FFIEC call report.
Where is Pinnacle Bank headquartered?
It is headquartered in Morgan Hill, CA, United States.
When was Pinnacle Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pinnacle Bank?
Pinnacle Bank's primary federal regulator is the FDIC.
What is Pinnacle Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pinnacle Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pinnacle Bank's Texas Ratio?
Its Texas Ratio is 13.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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