Pinnacle Bank
Morgan Hill, CA · Cert 58297 · Peer group: banks under $1B in assets (n=581-629)
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 194 of 629).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 573 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.60%
Rank 475 of 629
Net Interest Margin
3.54%
Rank 312 of 629
Efficiency Ratio
76.41%
Rank 438 of 629
Equity / Assets
11.69%
Rank 247 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 1.01% | 1.45% | Beats 24% | 475 / 629 | | |
| Return on Equity | 5.11% | 5.38% | 9.30% | 13.28% | Beats 23% | 483 / 629 | | |
| Net Interest Margin | 3.54% | 3.03% | 3.54% | 4.05% | Beats 50% | 312 / 629 | | |
| Efficiency Ratio | 76.41% | 58.35% | 67.79% | 79.08% | Beats 31% | 438 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.46% | 1.20% | Beats 11% | 518 / 581 | | |
| Net Charge-Offs / Loans | 1.05% | n/a | 0.01% | 0.06% | Beats 2% | 573 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.45% | 11.24% | 13.84% | 18.77% | Beats 67% | 208 / 629 | | |
| Total Risk-Based Capital Ratio | 17.54% | 11.58% | 14.43% | 19.66% | Beats 69% | 194 / 629 | | |
| Equity / Assets | 11.69% | 9.09% | 10.65% | 13.80% | Beats 61% | 247 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.13% | 67.24% | 80.90% | 93.48% | 32nd pctl | 402 / 594 | | |
| Loans / Assets | 61.52% | 53.31% | 67.71% | 78.15% | 38th pctl | 393 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |