Pinnacle Bank is a bank based in Gilroy, California, established in 2006, with $946 million in total assets across 4 branches. By Trust Grade it ranks 82nd of 117 banks we track in California. Its capital ratio of 11.4% is stronger than 67% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 0.57% return on assets. No consumer complaints against Pinnacle Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Pinnacle Bank compares to California peers
How we graded Pinnacle Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.4% capital ratio)
- Profitable (ROA 0.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Pinnacle Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 7597 Monterey St, Gilroy, CA 95020
- 18181 Butterfield Blvd, Morgan Hill, CA 95037
- 1276 S Main St, Salinas, CA 93901
- 1999 S Bascom Ave, Campbell, CA 95008
Are deposits at Pinnacle Bank insured?
Yes. Pinnacle Bank is an FDIC-insured bank (FDIC certificate #58297). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Pinnacle Bank: frequently asked questions
Is Pinnacle Bank a good bank?
Pinnacle Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (11.4% capital ratio); Profitable (ROA 0.57%).
Is Pinnacle Bank FDIC-insured?
Yes. Pinnacle Bank is a FDIC-insured bank (FDIC certificate #58297). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Pinnacle Bank?
Pinnacle Bank holds $946 million in total assets, ranking 82nd of 117 banks we track in California. It operates 4 branches.
Does Pinnacle Bank have CFPB complaints?
No CFPB complaints against Pinnacle Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
