BlastPoint's Banking Scorecard
Pinnacle Bank
Community
Specialty: Commercial
CA
FDIC cert 58297
Gilroy, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Pinnacle Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.89% above tier
- - Nonperforming Asset Ratio 1.74% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$890.4M
+5.1% YoY
-1.7% QoQ
|
-$501.1M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$567.5M
-3.7% YoY
+2.0% QoQ
|
-$408.0M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$765.8M
+4.6% YoY
-2.4% QoQ
|
-$398.8M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.62%
-40.8% YoY
-21.0% QoQ
|
-0.55% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
4.19%
-11.3% YoY
-0.8% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
63.09%
+5.2% YoY
-6.4% QoQ
|
+0.45% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
3.52%
+73.2% YoY
+42.8% QoQ
|
+2.89% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
74.10%
-7.9% YoY
+4.5% QoQ
|
-8.97% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
32.39%
-4.6% YoY
-0.5% QoQ
|
+11.34% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
2.24%
+58.7% YoY
+20.6% QoQ
|
+1.74% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
15.98%
+5.0% YoY
-3.2% QoQ
|
+5.73% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.21%
-19.2% YoY
+46.1% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.52%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.24%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.39% · Tier avg: 21.05%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.98% · Tier avg: 10.24%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
74
74th pctile
Loan-to-Deposit Ratio
Current: 74.10% · Tier avg: 83.06%
47
47th pctile
Efficiency Ratio
Current: 63.09% · Tier avg: 62.63%
44
44th pctile
Total Deposits
Current: $765.8M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $890.4M · Tier avg: $1.4B
38
38th pctile
Total Loans
Current: $567.5M · Tier avg: $975.5M
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.24% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.52% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.52% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.24% · Tier avg: 0.50%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
38
38th pctile
Total Loans
Current: $567.5M · Tier avg: $975.5M
42
42th pctile
Total Assets
Current: $890.4M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $765.8M · Tier avg: $1.2B
47
47th pctile
Efficiency Ratio
Current: 63.09% · Tier avg: 62.63%
74
74th pctile
Loan-to-Deposit Ratio
Current: 74.10% · Tier avg: 83.06%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.98% · Tier avg: 10.24%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.39% · Tier avg: 21.05%