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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Pinnacle Bank

Gilroy, California · $937M in assets · beside the 11 other California banks between $300M and $1B

The filing

76.4%
Efficiency
11th of 11
0.6x
Coverage of noncurrent
8th of 9
2.30%
NPA / loans
10th of 12

Pinnacle Bank is the fourth largest of the 12 California banks nearest its size between $300M and $1B, with $937M in assets at 30 June 2026. Loans are 71.1% of deposits, 4th of 12 against a median of 90.7%, and equity is 11.7% of assets, 3rd of 12. Loans grew +1.9% in the year, 9th of 12, and deposits grew 6.7%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 2.30% of the book, 10th of 12 against a median of 0.32%; 4.63% is 30 to 89 days past due, and the allowance covers them 0.6 times. Net charge-offs are 2.08% of loans, 10th of 12. Commercial real estate is 46.6% of loans, 5th of 12 against a median of 50.9%, and 228% of capital, below the 300% screen, with construction at 4% against the 100% screen.

Return on assets is 0.60%, 10th of 12 against a median of 0.86%, on an efficiency ratio of 76.4%, the highest in the cohort. Five years ago it was 1.04%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

The efficiency ratioCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 64.0% AP American Plus Bank N A 32.2% HB HCN Bank 44.9% CN C3bank National Association 54.2% FC First Commercial Bank USA 55.4% EB Endeavor Bank 60.4% SS Summit State Bank 64.0% Bo Bank of San Francisco 64.1% RV River Valley Community Bank 69.4% MV Mission Valley Bank 71.9% BC Bac Community Bank 75.3% PB Pinnacle Bank 76.4%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% HB HCN Bank +8.9% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% SS Summit State Bank -12.6% NB Nano Banc -21.9%

SBA 7(a), FY2008 to FY2026

Pinnacle Bank is the 25th largest 7(a) lender into California of 512, with $659M across 435 loans, 1.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 21 of its 41 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Santa Clara, CA$76M8th of 1872.9%-1.9 pts
Sacramento, CA$65M9th of 1702.9%-2.7 pts
Monterey, CA$60M3rd of 939.4%-5.7 pts
Solano, CA$42M1st of 1099.1%-8.3 pts
Contra Costa, CA$39M6th of 1542.9%-2.6 pts
Alameda, CA$36M16th of 1791.5%-1.3 pts
El Dorado, CA$23M2nd of 1016.6%quiet FY2021
Yolo, CA$23M1st of 917.1%quiet FY2021
Placer, CA$21M9th of 1222.6%+0.1 pts
San Joaquin, CA$21M13th of 1302.2%-0.3 pts
Santa Cruz, CA$20M5th of 774.4%quiet FY2020
Sonoma, CA$19M9th of 1122.1%-5.3 pts
San Luis Obispo, CA$17M10th of 992.5%quiet FY2022
28 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services177$392M59.0%0.51%49th of 2,596
Health care & social assistance161$169M25.4%0.36%47th of 2,172
Other services15$28M4.2%0.08%186th of 2,248
Manufacturing20$25M3.8%0.06%253rd of 2,246
Retail trade14$13M2.0%0.02%408th of 2,589
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Pinnacle Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans PB Pinnacle Bank 1.0% $659M · 435 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Pinnacle BankRankCohort median
Total CRE against capital, the 300% screen228%4th of 12275%
Construction against capital, the 100% screen4%2nd of 1216%
Construction and land development, share of loans0.7%3rd of 123.0%
Non-owner-occupied nonfarm nonresidential, share of loans42.7%9th of 1238.1%
Total CRE, the guidance definition, share of loans46.6%5th of 1250.9%
CRE growth over 36 months, the third prong+12.8%7th of 12+10.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
HCN Bank$998M2.2%44.9%0.00%0.00%1.3%93.0%11.4%
Summit State Bank$960M0.1%64.0%2.43%2.28%1.7%89.7%10.6%
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Pinnacle BankCohort median
20212026Change20212026Change
Loans$461M$576M+25%$490M$648M+32%
Deposits$623M$810M+30%$593M$733M+24%
NPA / loans0.02%2.30%+2.28 pts0.04%0.32%+0.28 pts
Efficiency65.5%76.4%+10.9 pts53.4%64.0%+10.6 pts
ROA1.04%0.60%-0.44 pts1.17%0.86%-0.31 pts

This read was prepared for Pinnacle Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Pinnacle Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $300M to $1B
Institution www.pinnacle.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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