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Pinnacle Bank
Gilroy, CA · FDIC Certificate #58297 · Chartered 07/1
Total assets
$936.97M
Total deposits
$810.32M
Total equity
$109.51M
Net loans
$569.12M
Branches (offices)
4
Net income (YTD)
$2.80M
Rank: #1,105 of 4,213 U.S. banks by assets · #64 of 115 in California. Assets changed 6.7% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.61% |
| Return on equity | 5.19% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 11.69% |
| Tier 1 leverage ratio | 11.88% |
| Uninsured deposits (share of deposits) | 35.7% |
| Noncurrent loans (share of loans) | 2.30% |
| Net charge-offs (share of loans) | 2.09% |
| Loans to deposits | 70.2% |
| Real estate loans (share of loans) | 93.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $530.19M | 93.2% | |
| Commercial & industrial | $45.53M | 8.0% | |
| Consumer / individual | $209.00K | 0.0% | |
| Construction & development | $4.32M | 0.8% | |
| Agricultural | $483.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $788.83M | $708.78M | $2.85M | $68.10M |
| Jun 2023 | $800.04M | $705.61M | $5.59M | $79.82M |
| Jun 2024 | $849.53M | $740.95M | $5.18M | $94.28M |
| Jun 2025 | $878.11M | $759.31M | $4.09M | $104.11M |
| Jun 2026 | $936.97M | $810.32M | $2.80M | $109.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $810.32M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $810.32M.
Similar-sized banks
Security Bank ($938.97M) · Texas Heritage National Bank ($936.37M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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