BlastPoint's Banking Scorecard

Pinnacle Bank

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

Gilroy, CA

4 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Pinnacle Bank faces 5 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 2.95% above tier average
- Nonperforming Asset Ratio 1.68% above tier average
- ROA 0.69% below tier average
- Net Interest Margin 0.12% below tier average
- Efficiency Ratio 12.96% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$945.8M +6.0% YoY +6.2% QoQ	+$559.7M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 1.8% in tier
Total Loans ?	$553.9M -2.1% YoY -2.4% QoQ	+$298.2M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 7.8% in tier
Total Deposits ?	$823.5M +6.3% YoY +7.5% QoQ	+$495.5M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 1.7% in tier
Return on Assets ?	0.57% -34.7% YoY -6.9% QoQ	-0.69%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	15%
Net Interest Margin ?	3.81% -9.6% YoY -9.1% QoQ	-0.12%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	78.25% +8.5% YoY +24.0% QoQ	+12.96%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	3.84% +84.1% YoY +9.1% QoQ	+2.95%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 3.6% in tier
Loan-to-Deposit Ratio ?	67.26% -7.9% YoY -9.2% QoQ	-9.37%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	30.56% -6.1% YoY -5.6% QoQ	+8.54%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	2.32% +64.1% YoY +3.3% QoQ	+1.68%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 5.0% in tier
Tier 1 Capital Ratio ?	16.45% +2.2% YoY +3.0% QoQ	+0.62%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.05% +16.2% YoY -74.8% QoQ	-0.23%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $823.51M

Peer Median: $327.97M

#45 of 2664 Top 1.7% in $100M-$1B

Total Assets

size

Value: $945.77M

Peer Median: $386.08M

#49 of 2664 Top 1.8% in $100M-$1B

209

Total Loans

size

Value: $553.92M

Peer Median: $255.72M

#209 of 2664 Top 7.8% in $100M-$1B

446

Non-Interest-Bearing Deposit Share

funding

Value: 30.56%

Peer Median: 22.02%

#446 of 2664 Top 16.7% in $100M-$1B

Top Weaknesses (5 metrics)

2560

Delinquency Rate

credit_quality

Value: 3.84%

Peer Median: 0.89%

#2560 of 2654 Bottom 3.6% in $100M-$1B

2533

Nonperforming Asset Ratio

credit_quality

Value: 2.32%

Peer Median: 0.64%

#2533 of 2664 Bottom 5.0% in $100M-$1B

2261

Return on Assets

profitability

Value: 0.57%

Peer Median: 1.27%

#2261 of 2664 Bottom 15.2% in $100M-$1B

2194

Efficiency Ratio

profitability

Value: 78.25%

Peer Median: 65.29%

#2194 of 2664 Bottom 17.7% in $100M-$1B

2106

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2106 of 2664 Bottom 21.0% in $100M-$1B