Pinnacle Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 2.9% in Q2 2026 to $52.2M, the biggest move on this page. Pinnacle Bank ranks 29th of 74 California banks on CET1 ratio, in the upper half at 16.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Pinnacle Bank sits 1.38 points higher, at 16.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.45% |
| Tier 1 risk-based capital ratio | 16.45% |
| Total risk-based capital ratio | 17.54% |
| Tier 1 leverage ratio | 11.88% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $110.5M |
| Tier 1 capital | $110.5M |
| Total risk-based capital | $117.8M |
| Total equity capital | $109.5M |
| Risk-weighted assets | $671.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.69% |
| Tangible equity to tangible assets | 11.69% |
| Equity capital to average assets | 11.77% |
| Internal capital growth rate | 5.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $51.2M |
| Common stock surplus | $7.0M |
| Retained earnings | $52.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$971K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.42% | 13.42% | 14.34% | 10.35% | $642.1M |
| Q4 2023 | 13.72% | 13.72% | 14.64% | 10.72% | $659.9M |
| Q1 2024 | 14.06% | 14.06% | 15.01% | 11.27% | $667.1M |
| Q2 2024 | 14.16% | 14.16% | 15.10% | 11.47% | $683.5M |
| Q3 2024 | 14.26% | 14.26% | 15.35% | 11.11% | $683.0M |
| Q4 2024 | 15.22% | 15.22% | 16.34% | 11.41% | $663.5M |
| Q1 2025 | 16.09% | 16.09% | 17.20% | 11.94% | $641.1M |
| Q2 2025 | 16.44% | 16.44% | 17.52% | 12.04% | $642.2M |
| Q3 2025 | 16.50% | 16.50% | 17.76% | 11.87% | $647.3M |
| Q4 2025 | 15.98% | 15.98% | 17.24% | 11.80% | $671.4M |
| Q1 2026 | 16.45% | 16.45% | 17.71% | 11.87% | $661.5M |
| Q2 2026 | 16.45% | 16.45% | 17.54% | 11.88% | $671.7M |
Pinnacle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58297) · FFIEC NIC profile (RSSD 3455227)