FDIC Cert #58297 · Gilroy, California · Est. 2006

Pinnacle Bank - FDIC Bank Health Profile

A community-scale look at Pinnacle Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$890M
Total assets
B
Health grade · Good
0.62%
Return on assets
16.0%
Tier 1 capital

Data updated July 2026

The verdict

Pinnacle Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 15.98% Tier 1, 0.62% ROA, 63% efficiency ratio.

#1,156
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
15.98%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 58297 · CA B · 72/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (72/100)
  • MID-PACK #2874/4307
  • PHOTO-FINISH Two Rivers Bank & Tr… · IA
  • TIER1-WELL 16.0% Tier 1
  • TEXAS-HEALTHY 16.7% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Two Rivers Bank & Trust, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Pinnacle Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Walker County · AL ·…72/100Community First Bank… · IN ·…72/100Huron Valley State B… · MI ·…72/100Pinnacle Bank · CA · this ba…72/100Two Rivers Bank & Tr… · IA ·…72/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pinnacle Bank · July 2026

Call Report read for Pinnacle Bank in a high-failure state

Pinnacle Bank (FDIC Cert #58297) carries a PlainBankData health grade of B at 72/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,874 of 4,307. Tier 1 capital prints at 15.98%, clearing the 10% well-capitalized line. The Texas Ratio is 16.71%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $890M, 1,156th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Two Rivers Bank & Trust (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Pinnacle Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Pinnacle Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Pinnacle Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Pinnacle Bank's 72/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10072/100
Pinnacle Bank's composite health score
Tier 1 Capital Ratio (15.98%) 40/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (16.71%) 10/20
Efficiency Ratio (63.09%) 8/15

72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$890M

Total balance-sheet footings

Total Deposits

$766M

Customer-funded liabilities

Net Loans

$567M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.58% 15.98% 17.38%
Basel III capital ratios - Pinnacle Bank

Where Pinnacle Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pinnacle Bank's score of 72/100 falls in the highlighted band.

Pinnacle Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

72 33rd percentile higher than 33% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Pinnacle Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Pinnacle Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pinnacle Bank's $890M falls in the highlighted band.

Capital & credit buffers at Pinnacle Bank

Tier 1 capital ratio
Well-capitalized 10%

15.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.98%
Texas Ratio
16.71%
Equity Capital
$106M

What these ratios mean →

Profitability metrics: Pinnacle Bank

Return on Assets (ROA)
20th percentile nationally
0.62%
Return on Equity (ROE)
5.28%
Efficiency Ratio
63.09%

What these mean →

Income & expense at Pinnacle Bank

$49M
Interest Income
$2M
Non-Interest Income
$23M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Pinnacle Bank reports a Texas Ratio of 16.71% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Pinnacle Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($890M here), outside California so the neighborhood is not state containment.

First Federal Community Bank $890M · OH Citizens State Bank of New Castle, In… $891M · IN Community National Bank $891M · KS Greenfield Banking Company $890M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pinnacle Bank (FDIC Cert #58297) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Pinnacle Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%