Pinnacle Bank
Gilroy, CA
IDRSSD: 3455227
Total Assets
$905.73M
Latest filing
Total Deposits
$784.98M
Latest filing
Net Interest Margin
4.21%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Pinnacle Bank
7597 Monterey St
Gilroy, CA 95020
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/17/2006FDIC Certificate 445670
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pinnacle Bank (Main) | 7597 Monterey St | Gilroy, CA |
| MORGAN HILL BRANCH | 18181 Butterfield Blvd | Morgan Hill, CA |
| SALINAS BRANCH | 1276 S Main St | Salinas, CA |
| CAMPBELL BRANCH | 1999 S Bascom Ave | Campbell, CA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/17/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95020 |
| State and County Number | 06085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Jose-Sunnyvale-Santa Clara, CA |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/17/2006 |
| Primary Insurance Agency | DIF |
| Website | http://www.pinnacle.bank |
| Data Updated | 11/14/2025 |
| CERT | 58297 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $905.73M |
| Total Deposits | $784.98M |
| Total Liabilities | $800.19M |
| Total Equity Capital | $105.54M |
| Net Income | $1.08M |
| Net Loans and Leases | $556.40M |
| Assets Per Employee ($Millions) | $10.18M |
| Bank Premises and Fixed Assets | $10.55M |
| Cash and Balances due from Depository Institutions | $160.72M |
| Deposits Held in Domestic Offices | $784.98M |
Key Performance Ratios
| Return on Assets (ROA) | 0.48% |
| Return on Equity (ROE) | 4.11% |
| Net Interest Margin | 4.21% |
| Efficiency Ratio | 61.88% |
| Tier 1 Risk-Based Capital Ratio | 16.504% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.9% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.653% |
| Earning Assets to total Assets | 94.8% |
Income and Expense
| Total Interest Income | $12.36M |
| Total Noninterest Income | $293.00k |
| Total Interest Expense | $3.47M |
| Total Noninterest Expense | $5.68M |
| Net Interest Income | $8.88M |
| Pre-tax Net Operating Income | $1.50M |
| Provision for Credit Losses | $2.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $3.13M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $56.96M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.21M |
| Total Liabilities and Capital | $905.73M |
Securities
| Securities | $95.38M |
| Available-for-sale debt securities | $26.42M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $68.96M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pinnacle Bank?
$905.73M as of the latest filing.
How much are Pinnacle Bank's total deposits?
$784.98M in total deposits.
Where is Pinnacle Bank located?
Gilroy, CA.
What is the Net Interest Margin?
4.21%.
How many domestic offices does it operate?
4.
When was it established?
07/17/2006.
What is the Return on Assets (ROA)?
0.48%.
How much are total loans and leases?
$556.40M (latest filing).
What is the total interest income (latest filing)?
$12.36M.