# PINNACLE BANK
GILROY, CA · FDIC certificate 58297 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $937.0M | |
| Deposits | $810.3M | |
| Loans and leases | $576.4M | |
| Total equity | $109.5M | |
| Loans / deposits | 70.23% (p26 of band) | 82.04% |
| Liquid assets / assets | 35.29% (p76 of band) | |
| Uninsured deposits / deposits | 35.69% (p81 of band) | 25.97% |
| Brokered deposits | 4.39% | |
| Wholesale funding | 4.39% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.88% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -6.16% (p57 of band) | -8.10% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 0.61% (p14 of band) | 1.28% |
| Net interest margin | 3.75% (p41 of band) | 3.91% |
| Efficiency ratio | 76.41% (p84 of band) | |
| Noncurrent loans | 2.30% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | 1.30% (p99 of band) | |
| Reserve coverage of noncurrent | 55.00% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 3.94% (p8 of band) | |
| Auto loans | $45,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | wholesale funding >15% |
| 2012-03 | 2 | wholesale funding >15% | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 3 | capital falling | uninsured deposits leaving |
| 2013-03 | 2 | charge-offs p90 | wholesale funding >15%, capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | brokered >10% |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | uninsured deposits >50% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | uninsured deposits leaving | uninsured deposits >50% |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2024-12 | 3 | noncurrent p90 |  |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 1 |  | noncurrent p90 |
| 2025-09 | 2 | noncurrent p90 |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 3 | charge-offs p90 | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-30 [Pinnacle Bank Announces Earnings for Second Quarter of 2026 - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNcUxBYTZISE54bG1GaV9VOG1MMm4yVmJHbHM5ZlZrV0RhRFEwTWVvVjdtTlZTMm4wVy0xWjhQUDVlczZ0NjFZWkFxLXVTc2JIUkZnOUlBaURyT3hZakVkTlRJbWZVYmdFRzNjSDBGRXRLYTE0VDA2WUlUUHkzYkFoNHRjM0ljTUFTMmU5YkJqaXdMZkFack16Umg2TkZJQnl6dG9WeW9uel92UHMtbDNaazlIQUdtU0U?oc=5) · Business Wire
- 2026-06-02 [Debra Silveira Joins Pinnacle Bank as Executive Vice President, Director of Human Resources - Business Wire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQeVgxaVl3V0FLYnk2a3FjcEVZUlFacXNKeU1Wa2MycU80M0JyMURaSlQ1blYyM1BHaGs2QVF5d2RpbXg5bUpPY2RrNnluTkExZUd3Z3hjek1nSVBhNEFTMWRQMkJNUURJSXlxV081T1YxWWJkeU5aMUN1cDkzdlNJUTVxMmVpbFBjemNIZU05Qkt3S1NRNWExTzM4dHY2bXE1bmk3bmtEMVhMbVVrR1JnSzNwUEhLNUlmakMtWmprSjVFVWNNWElMOWVPVEs4ZWZ0azNMQVVvQldvd1MyQWdZcQ?oc=5) · Business Wire
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-07 [Pinnacle Financial Partners opens Fairhope office - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQaDh0UTJoUjlVUy1vdjNoZWpJdTIzZXJvUlRQcDc4Vl9oX2NOcVdWTDBnaE1VdFpkdFdTNExmSm4xUkdYdm9nbndQZWdXU2JNX1ItZ3RxSHQ0Z29QSHphSGswXy16cU4zSlFleHo1YjlDU0gwaTg3bWpnQW55RlZIWThLME1XUmlvTGQ5eGFxWmVyRWZZNTNLdW02QXp0XzM5RnRuVTRidmdaYUU?oc=5) · Pinnacle Financial Partners
- 2026-05-18 [What to Know for Journey: Final Frontier Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE55bVdKcGNVcFc2WnJSQVV3YU9wU0dMQy1mTkhTeURaWmh5LURCVG5PcnJpSEVHZlR6RTNSWmhkVmtOWEd5X1d0c293V1Y3aGxTN3RxNjBfNTJRUQ?oc=5) · Ticketmaster Blog
- 2026-04-23 [Pinnacle Bank Announces Earnings for First Quarter of 2026 - Business Wire](https://news.google.com/rss/articles/CBMitgFBVV95cUxOMnhQY0JxaU1xVVhPQ0gzMlk4UXlGSnZqUXVXdkxocWNma1doUWlYOWp1Si1ZdlFySjJMM1ZSa29hWDJkWTBhTGZ4SjhGcFN2WnhnQ3kweU5iRm1EVzlpX0dsTE0waWY3N0M3Uy1GazBEYlY3VTBTMHd3and3b3dPUTB3MmwzMmxCYlVKVVhNVjhDdGg2YWk3bFBiWGhORFFpSVRSck5mbUNXVzZEdzFORUZsU29hZw?oc=5) · Business Wire
- 2025-08-25 [Pinnacle Financial Partners Expands into South Alabama with Veteran Banking Team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPdmQtMGN6SFVpZzZtVEJtU0xnVHMwLVhENlg3bDBaaWQxWHhaZ0lsQzZYUWt6VVAzVTdzR3lDTXF3eE5FTEtEbGJOWVYxNXJNbkxnVFN4LXBQREIzRmNITUN4MHlrMDNVbW1uTG43bXI4ckVSOHYzOGhlak15QVRCR0kyODItS01pbm95SFBLRG9PSWlIZ3dLYWg0U3hmMm5mRUpsZzF4X2w3dGtOZWpBc1hKN0NoTWVvaGE2RnpMSTZ0bXpIRkxmajZkdkEwcHdBbGJ6OA?oc=5) · Pinnacle Financial Partners
- 2022-12-02 [Pinnacle Bank’s acquisition of Crockett National Bank approved - Fort Worth Report](https://news.google.com/rss/articles/CBMiowFBVV95cUxQanRDanVld0o4UUJIU2pHUTdjbGpFc1pyS2paVzkyQTNMVF9yT0ZucFZfOC1URkpuTDQ4My1qdHozODFHbnhWa0VsMEJtV281dE9RazFRS1I1WWtJYVpHQ0VnRWtSTGFuWlp5Y29NMEwwSk8wMXkyVi1ud2VPWDVXNEpVUDNtQmhDZmdKanJuaXM0a0hqam14NXpDbkRXWGZnQmVj?oc=5) · Fort Worth Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58297 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "58297", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide