Pinnacle Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pinnacle Bank of Morgan Hill, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.35% | -0.71% | 17th bottom |
| ROAE | 5.45% | 12.06% | -6.61% | 16th bottom |
| Net Interest Margin | 3.60% | 3.90% | -0.30% | 32nd below |
| Efficiency Ratio | 74.43% | 63.14% | +11.29% | 20th bottom |
| PPNR / Avg Assets | 0.90% | 1.64% | -0.74% | 17th bottom |
| Yield on Earning Assets | 5.20% | 5.65% | -0.45% | 31st below |
| Cost of Funds | 1.79% | 1.85% | -0.06% | 51st above |
| Net Interest Spread | 2.63% | 3.35% | -0.72% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.34% | 0.92% | +1.42% | 10th bottom |
| NPA / Total Assets | 1.87% | 0.67% | +1.20% | 8th bottom |
| NCO / Avg Loans | 3.96% | 0.14% | +3.82% | 1st bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 57th above |
| ACL / NPLs (Coverage) | 54.02% | 1645.82% | -1591.80% | 12th bottom |
| Texas Ratio | 15.01% | 7.15% | +7.86% | 12th bottom |
| Provision / NCO | 2.48% | 1189.92% | -1187.44% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.45% | 20.83% | -4.38% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.45% | 20.86% | -4.41% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.54% | 21.94% | -4.40% | 60th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.88% | 12.46% | -0.58% | 63rd above |
| Equity / Assets | 11.69% | 11.67% | +0.02% | 68th above |
| TCE / Tangible Assets | 11.69% | 11.40% | +0.29% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.13% | 78.65% | -7.52% | 69th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.95% | 87.09% | +0.86% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.70% | 6.47% | +0.23% | 67th above |
| Loan Growth (Y/Y) | 1.93% | 7.64% | -5.71% | 31st below |
| Deposit Growth (Y/Y) | 6.72% | 6.02% | +0.70% | 69th above |
See Pinnacle Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pinnacle Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pinnacle Bank profile, how to read a UBPR, or how this data updates.