Pinnacle Bank
Gilroy, CA
IDRSSD: 3455227
Total Assets
$890.36M
Latest filing
Total Deposits
$765.85M
Latest filing
Net Interest Margin
4.04%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
121144340GILROY, CA
Key People
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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 01/30/2026Established 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 | 01/30/2026 |
| CERT | 58297 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $890.36M |
| Total Deposits | $765.85M |
| Total Liabilities | $784.03M |
| Total Equity Capital | $106.33M |
| Net Income | $287.00k |
| Net Loans and Leases | $567.47M |
| Assets Per Employee ($Millions) | $9.78M |
| Bank Premises and Fixed Assets | $10.29M |
| Cash and Balances due from Depository Institutions | $89.15M |
| Deposits Held in Domestic Offices | $765.85M |
Key Performance Ratios
| Return on Assets (ROA) | 0.13% |
| Return on Equity (ROE) | 1.08% |
| Net Interest Margin | 4.04% |
| Efficiency Ratio | 49.92% |
| Tier 1 Risk-Based Capital Ratio | 15.979% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.88% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.942% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $12.08M |
| Total Noninterest Income | $567.00k |
| Total Interest Expense | $3.47M |
| Total Noninterest Expense | $4.58M |
| Net Interest Income | $8.61M |
| Pre-tax Net Operating Income | $375.00k |
| Provision for Credit Losses | $4.22M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $106.44M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $18.18M |
| Total Liabilities and Capital | $890.36M |
Securities
| Securities | $92.86M |
| Available-for-sale debt securities | $26.31M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $66.56M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pinnacle Bank?
$890.36M as of the latest filing.
How much are Pinnacle Bank's total deposits?
$765.85M in total deposits.
Where is Pinnacle Bank located?
Gilroy, CA.
What is the Net Interest Margin?
4.04%.
How many domestic offices does it operate?
4.
When was it established?
07/17/2006.
What is the Return on Assets (ROA)?
0.13%.
How much are total loans and leases?
$567.47M (latest filing).
What is the total interest income (latest filing)?
$12.08M.