Pinnacle Bank
Morgan Hill, CA · Cert 58297 · Peer group: banks under $1B in assets (n=570-617)
State charter, non-member · FDIC · 4 branches
Q2 2026
$937.0MAssets
$576.4MLoans
$810.3MDeposits
$109.5MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 69% of banks under $1B in assets (rank 190 of 617).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 561 of 570).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.60%
Rank 464 of 617
Net Interest Margin
3.54%
Rank 308 of 617
Efficiency Ratio
76.41%
Rank 429 of 617
Equity / Assets
11.69%
Rank 236 of 617
Non-interest income vs. expense
Unfavorable gap of $24.9M · efficiency ratio beats 31% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 1.01% | 1.45% | Beats 25% | 464 / 617 | |
| Return on Equity | 5.11% | 5.30% | 9.43% | 13.30% | Beats 24% | 472 / 617 | |
| Net Interest Margin | 3.54% | 3.04% | 3.54% | 4.05% | Beats 50% | 308 / 617 | |
| Efficiency Ratio | 76.41% | 58.03% | 67.76% | 79.08% | Beats 31% | 429 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.47% | 1.27% | Beats 12% | 504 / 570 | |
| Net Charge-Offs / Loans | 1.05% | n/a | 0.01% | 0.06% | Beats 2% | 561 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 16.45% | 11.18% | 13.83% | 18.55% | Beats 67% | 205 / 617 | |
| Total Risk-Based Capital Ratio | 17.54% | 11.56% | 14.39% | 19.39% | Beats 69% | 190 / 617 | |
| Equity / Assets | 11.69% | 9.03% | 10.55% | 13.63% | Beats 62% | 236 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 71.13% | 64.77% | 79.70% | 93.06% | 35th pctl | 381 / 582 | |
| Loans / Assets | 61.52% | 51.70% | 67.18% | 77.51% | 39th pctl | 376 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |