BlastPoint's Banking Scorecard

Pinnacle Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58297

Gilroy, CA

4 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits +6.7% year over year ($810.3M on the books).
Delinquency rate 2.33%.
Return on assets 0.61%.
Efficiency ratio 76.41% vs a 64.48% peer average.
Loan-to-deposit ratio 70.23% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

Pinnacle Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 1.41% above tier average
- Nonperforming Asset Ratio 1.18% above tier average
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.72% below tier average
- Net Interest Margin 0.24% below tier average
- Efficiency Ratio 11.93% above tier average

Get updates when Pinnacle Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$937.0M +6.7% YoY -0.9% QoQ	+$550.4M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 2.3% in tier
Total Loans ?	$569.1M +1.9% YoY +2.7% QoQ	+$310.8M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 7.3% in tier
Total Deposits ?	$810.3M +6.7% YoY -1.6% QoQ	+$483.6M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 1.6% in tier
Return on Assets ?	0.61% -35.3% YoY +5.4% QoQ	-0.72%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	15%
Net Interest Margin ?	3.75% -11.9% YoY -1.6% QoQ	-0.24%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	39%
Efficiency Ratio ?	76.41% +8.9% YoY -2.4% QoQ	+11.93%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	2.33% +57.1% YoY -39.3% QoQ	+1.41%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 10.0% in tier
Loan-to-Deposit Ratio ?	70.23% -4.5% YoY +4.4% QoQ	-7.72%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	30.52% -11.6% YoY -0.1% QoQ	+8.49%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	1.85% +40.9% YoY -20.3% QoQ	+1.18%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 8.6% in tier
Tier 1 Capital Ratio ?	16.45% +0.0% YoY -0.0% QoQ	+0.54%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.06% -49.3% YoY +9.8% QoQ	-0.51%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 7.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	30.5% -4.0pp YoY 0.0pp QoQ	+8.4pp	22.1%	25.5%	22.2%	83%
Brokered Deposits	5.1% +0.7pp YoY -1.7pp QoQ	-2.8pp	7.9%	11.0%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	8.0% -1.9pp YoY -0.2pp QoQ	-3.6pp	11.6%	11.8%	12.5%	40%
CRE	84.7% +2.0pp YoY -0.2pp QoQ	+45.2pp	39.5%	67.5%	41.4%	98%
1-4 Family	6.8% 0.0pp YoY -0.2pp QoQ	-25.8pp	32.6%	16.5%	31.3%	7%
Consumer	0.0% 0.0pp YoY -0.3pp QoQ	-4.1pp	4.1%	5.3%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	16.4% 0.0pp YoY 0.0pp QoQ	-2.4pp	18.8%	23.7%	19.7%	60%
Leverage Ratio	11.9% -0.2pp YoY 0.0pp QoQ	-0.3pp	12.2%	14.5%	12.6%	63%
Total Capital Ratio	17.5% 0.0pp YoY -0.2pp QoQ	-2.4pp	19.9%	25.1%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	93 +4 (+4.5%) YoY 0 QoQ	+34	58	337	482	84%
Assets per Employee ($)	$10.1M +2.1% YoY -0.9% QoQ	+$2.6M	$7.5M	$11.3M	$8.8M	86%
Branch Count	4 0 YoY 0 QoQ	-1	4	15	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.3% +0.8pp YoY -1.5pp QoQ	+1.4pp	0.9%	1.4%	1.0%	90%
Allowance Coverage	0.55x -34.0% YoY -9.8% QoQ	-23.60x	24.15x	17.11x	20.23x	12%
Net Charge-off Rate (YTD)	2.1% +1.9pp YoY +1.9pp QoQ	+1.9pp	0.1%	0.3%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	5.2% -2.9pp YoY +0.3pp QoQ	-7.0pp	12.2%	8.2%	11.6%	14%
Cost of Funds (YTD)	1.6% 0.0pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.9%	1.7%	45%
Net Income ($, YTD)	$2.8M -31.5% YoY — QoQ	+$245K	$2.6M	$28.5M	$40.4M	67%

Get Full Access to Pinnacle Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $810.32M

Peer Median: $326.73M

#44 of 2643 Top 1.6% in $100M-$1B

Total Assets

size

Value: $936.97M

Peer Median: $386.57M

#62 of 2643 Top 2.3% in $100M-$1B

193

Total Loans

size

Value: $569.12M

Peer Median: $258.35M

#193 of 2643 Top 7.3% in $100M-$1B

438

Non-Interest-Bearing Deposit Share

funding

Value: 30.52%

Peer Median: 22.03%

#438 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (5 metrics)

2458

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2458 of 2643 Bottom 7.0% in $100M-$1B

2416

Nonperforming Asset Ratio

credit_quality

Value: 1.85%

Peer Median: 0.67%

#2416 of 2643 Bottom 8.6% in $100M-$1B

2371

Delinquency Rate

credit_quality

Value: 2.33%

Peer Median: 0.92%

#2371 of 2633 Bottom 10.0% in $100M-$1B

2239

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.32%

#2239 of 2643 Bottom 15.3% in $100M-$1B

2163

Efficiency Ratio

profitability

Value: 76.41%

Peer Median: 64.48%

#2163 of 2643 Bottom 18.2% in $100M-$1B