Pinnacle Bank (FDIC certificate #58297) is based in Gilroy, California. Its Q2 2026 call report shows $937.0M in total assets and $810.3M in deposits and 4 offices.
Pinnacle Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 106th. Problem-loan coverage contributes the most (70/100, 14.8%); loan quality contributes the least (23/100, 2.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (63 → 52), mostly because the loan quality component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 60 |
| Q4 2024 | 56 |
| Q1 2025 | 57 |
| Q2 2025 | 63 |
| Q3 2025 | 53 |
| Q4 2025 | 46 |
| Q1 2026 | 46 |
| Q2 2026 | 52 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.47% |
| Q3 2024 | 11.11% |
| Q4 2024 | 11.41% |
| Q1 2025 | 11.94% |
| Q2 2025 | 12.04% |
| Q3 2025 | 11.87% |
| Q4 2025 | 11.80% |
| Q1 2026 | 11.87% |
| Q2 2026 | 11.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 1.38% |
| Q4 2024 | 2.01% |
| Q1 2025 | 2.06% |
| Q2 2025 | 1.46% |
| Q3 2025 | 2.43% |
| Q4 2025 | 3.44% |
| Q1 2026 | 3.75% |
| Q2 2026 | 2.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 0.85% |
| Q4 2024 | 1.04% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $937.0M | 11.88% | 2.30% | 0.61% | 70.2% |
| Q1 2026 | 46 | $945.8M | 11.87% | 3.75% | 0.57% | 67.3% |
| Q4 2025 | 46 | $890.4M | 11.80% | 3.44% | 0.62% | 74.1% |
| Q3 2025 | 53 | $905.7M | 11.87% | 2.43% | 0.78% | 70.9% |
| Q2 2025 | 63 | $878.1M | 12.04% | 1.46% | 0.94% | 73.6% |
| Q1 2025 | 57 | $892.5M | 11.94% | 2.06% | 0.88% | 73.0% |
| Q4 2024 | 56 | $846.8M | 11.41% | 2.01% | 1.04% | 80.5% |
| Q3 2024 | 60 | $891.4M | 11.11% | 1.38% | 0.85% | 77.2% |
| Q2 2024 | 77 | $849.5M | 11.47% | 0.00% | 1.24% | 79.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| C3bank, National AssociationBank Encinitas, CA | 75 out of 100, Strong | $949.3M | 10.6% | 0.00% | vs |
| Summit State BankBank Santa Rosa, CA | 42 out of 100, Below average | $959.8M | 10.8% | 2.43% | vs |
| HCN BankBank Riverside, CA | 79 out of 100, Strong | $998.4M | 11.7% | 0.00% | vs |
| Bank of San FranciscoBank San Francisco, CA | 68 out of 100, Moderate | $863.6M | 10.9% | 0.09% | vs |
| First Commercial Bank (USA)Bank Alhambra, CA | 71 out of 100, Strong | $849.9M | 23.3% | 1.05% | vs |
Deposit insurance
Is my money safe at Pinnacle Bank?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #58297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.7% of deposits ($289.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.88%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.54% (benchmark: 10%).
4 locations
Branches
Pinnacle Bank lists 4 offices in 4 cities. Most locations:
- Campbell, CA (1)
- Gilroy, CA (1)
- Morgan Hill, CA (1)
- Salinas, CA (1)
Identity & history
Profile
- Legal name
- Pinnacle Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58297
- RSSD ID
- 3455227
- Primary regulator
- FDIC
- Established
- July 17, 2006
- Headquarters
- 7597 Monterey St, Gilroy, CA 95020
- Website
- www.pinnacle.bank
- Employees
- 93
Quick answers
Pinnacle Bank: common questions
Is Pinnacle Bank FDIC insured?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #58297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pinnacle Bank's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pinnacle Bank ever failed?
There is no failure record for FDIC certificate #58297 in the FDIC failed bank list.
How many branches does Pinnacle Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gilroy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Commonwealth Central Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $624.9M | 14.2% | 0.41% | vs |
| Star One Credit UnionCredit union Sunnyvale, CA | 77 out of 100, Strong | $9.7B | 14.1% | 0.13% | vs |
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| Citizens Business Bank, National AssociationBank Ontario, CA | 73 out of 100, Strong | $21.2B | 11.4% | 0.14% | vs |
| Provident Credit UnionCredit union Redwood City, CA | 72 out of 100, Strong | $3.6B | 10.9% | 0.07% | vs |