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Overview / Commentary
7597 Monterey Street
Gilroy, CA 95020

Pinnacle Bank (CA) is headquartered in Gilroy and is the 136th largest bank in the state of California. It is also the 2,905th largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 41 employees at 3 locations. Pinnacle Bank (CA) has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Pinnacle Bank (CA) had $2.96 million in non-current loans and owned real-estate with $26.92 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (CA) a Texas Ratio of 10.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pinnacle Bank (CA) decreased dramatically from 17.90% as of June 30, 2013 to 10.98% as of June 30, 2014, resulting in a positive change of 38.66%.This indicates that the balance sheet and financial strength for Pinnacle Bank (CA) has improved dramatically in recent periods.

Deposit Growth


In the past year, Pinnacle Bank (CA) has increased its total deposits by $27.71 million, resulting in 17.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pinnacle Bank (CA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pinnacle Bank (CA) has $212.14 million in assets with $26.92 million in equity, resulting in a capitalization level of 12.69%, which is excellent.

Institution Statistics

FDIC Certificate #58297
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$212.14 million
Loans$149.32 million
Deposits$187.27 million
Equity Capital$23.45 million
Loan Loss Allowance$3.47 million
Unbacked Noncurrent Loans$1.61 million
Real Estate Owned$1.35 million
Historic Data - June 2013
Assets$177.14 million
Equity Capital$16.77 million
Loan Loss Allowance$2.87 million
Unbacked Noncurrent Loans$1.61 million
Real Estate Owned$1.86 million
Profit Margin - Quarterly
Return on Assets0.39%
Return on Equity3.41%
Interest Income$4.16 million

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Pinnacle Bank (CA) Locations
Salinas Branch1276-A S. Main StSalinas, CA 93908
Pinnacle Bank18181 Butterfield Blvd., Ste 135Morgan Hill, CA 95037
Morgan Hill Branch18181 Butterfield Boulevard, Suite 135Morgan Hill, CA 95037