TellerScore

Side-by-side · Q2 2026 data

West Coast Community Bank vs Pinnacle Bank

Bank

West Coast Community Bank

Santa Cruz, California · $1 billion – $10 billion

75of 100
Strong

Bank

Pinnacle Bank

Gilroy, California · $100 million – $1 billion

52of 100
Below average

Metric by metric

MeasureWest Coast Community BankPinnacle Bank
TellerScore75 (stronger)52
Capital cushion70 (stronger)69
Loan quality83 (stronger)23
Earnings100 (stronger)44
Funding & liquidity2667 (stronger)
Problem-loan coverage92 (stronger)70
Peer percentile77th8th
Total assets$2.9B$937.0M
Deposits / shares$2.5B$810.3M
Capital ratio12.05% (stronger)11.88%
Problem loans0.50% (stronger)2.30%
Net charge-offs0.39% (stronger)2.09%
Return on assets2.02% (stronger)0.61%
Loans ÷ deposits88.6%70.2% (stronger)
Uninsured deposits56.3%35.7% (stronger)
Offices114
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)——

West Coast Community Bank has the higher TellerScore (75 vs 52). On the 7 directional measures above (where higher or lower is clearly better), West Coast Community Bank leads on 5 and Pinnacle Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

Where both have branches

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