Pinnacle Bank: how it compares with its peers
Against 36 CA banks with half to twice its assets, Pinnacle Bank's strongest measure in Q2 2026 is assets per employee ($10.1M vs. a $9.7M peer median). Its weakest relative measure is return on assets (0.61% vs. 1.10%).
| Measure | Pinnacle Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.61% | 1.10% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.79% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.41% | 60.46% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $9.7M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.23% | 92.00% | Context |
What it means for lending operations
Its efficiency ratio of 76.41% is above the 60.46% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- American Plus Bank, N.A. Arcadia, CA · $935M
- C3bank, National Association Encinitas, CA · $949M
- Summit State Bank Santa Rosa, CA · $960M
- HCN Bank Riverside, CA · $998M
- Golden State Bank Glendale, CA · $1.00B
- Bank of San Francisco San Francisco, CA · $864M
Questions about Pinnacle Bank
How big is Pinnacle Bank?
Pinnacle Bank, established in 2006, is headquartered in Gilroy, CA. It reported $937M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Pinnacle Bank's return on assets?
0.61% annualized in Q2 2026, against a 1.10% median for 36 CA banks with half to twice its assets, ahead of 8% of them.
What is Pinnacle Bank's efficiency ratio?
76.41% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 60.46%, and lower is better.
Is Pinnacle Bank growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.