Pinnacle Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 5.90 percentage points in Q2 2026, from 59.92% to 54.02%. It was the largest change from Q1 2026 among the key lines here. Within California, Pinnacle Bank is 89th of 114 on return on assets, 0.64% as of Q2 2026, below the middle of the field. Pinnacle Bank reported 0.64% on return on assets for Q2 2026, 0.62 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.45% |
| Tier 1 risk-based capital ratio | 16.45% |
| Total risk-based capital ratio | 17.54% |
| Tier 1 leverage ratio | 11.88% |
| Equity capital to assets | 11.69% |
| Tangible equity to tangible assets | 11.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.34% |
| Non-performing assets ratio | 1.87% |
| Net charge-off ratio | 3.96% |
| Texas ratio | 15.01% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 54.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 5.45% |
| Net interest margin | 3.60% |
| Efficiency ratio | 74.43% |
| Yield on earning assets | 5.20% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.13% |
| Core deposits to total deposits | 87.95% |
| Brokered deposits to total deposits | 5.08% |
| Deposits to assets | 86.48% |
| Securities to assets | 10.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.42% | 13.42% | 14.34% | 10.35% | 1.41% |
| Q4 2023 | 13.72% | 13.72% | 14.64% | 10.72% | 1.54% |
| Q1 2024 | 14.06% | 14.06% | 15.01% | 11.27% | 1.18% |
| Q2 2024 | 14.16% | 14.16% | 15.10% | 11.47% | 1.29% |
| Q3 2024 | 14.26% | 14.26% | 15.35% | 11.11% | 0.11% |
| Q4 2024 | 15.22% | 15.22% | 16.34% | 11.41% | 1.55% |
| Q1 2025 | 16.09% | 16.09% | 17.20% | 11.94% | 0.89% |
| Q2 2025 | 16.44% | 16.44% | 17.52% | 12.04% | 0.99% |
| Q3 2025 | 16.50% | 16.50% | 17.76% | 11.87% | 0.48% |
| Q4 2025 | 15.98% | 15.98% | 17.24% | 11.80% | 0.13% |
| Q1 2026 | 16.45% | 16.45% | 17.71% | 11.87% | 0.58% |
| Q2 2026 | 16.45% | 16.45% | 17.54% | 11.88% | 0.64% |
Pinnacle Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)