Pinnacle Bank
Pinnacle Bank is a California-chartered community bank operating four branches across Santa Clara, San Benito, and Monterey counties, serving small and medium-sized businesses and consumers with deposits, commercial and SBA lending, cash management, and asset-based lending via its Pinnacle Capital Finance division.
- Company typePublic
- Founded2005
- HeadquartersGilroy, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Pinnacle Bank does
Pinnacle Bank is a California-chartered community bank headquartered in Gilroy, operating four branches across Campbell, Morgan Hill, Gilroy, and Salinas and serving Santa Clara, San Benito, and Monterey counties. Founded in 2005 and publicly traded on the OTCQB under PBNK since June 2006, the bank offers a unified portfolio of business and personal banking including deposit services, commercial and SBA lending, cash management, online and mobile banking, Zelle peer-to-peer payments, and an asset-based lending division (Pinnacle Capital Finance) for growth companies.
The bank's core products are organized across business banking (financing options, deposit services, online/mobile banking, Zelle for SMB, and a cash management suite including ACH origination, remote deposit capture, positive pay, wire transfers, merchant card processing, and Autobooks invoicing), personal banking (checking, savings, money market, IRAs, home equity lines of credit, and Zelle for consumers), and Pinnacle Capital Finance for asset-based lending of $1 million to $14 million+. The technology stack combines standard third-party digital banking platforms with iOS and Android mobile applications, SecurLOCK Equip card controls, and the .bank domain for enhanced security.
Revenue is generated through traditional community-banking streams: net interest income from commercial real estate, SBA, business, and personal lending; transaction fees from deposit accounts, cash management, and merchant card processing; SBA origination and servicing fees; and asset-based lending fees from Pinnacle Capital Finance. The customer base is horizontal across small and medium-sized businesses (primary segment) and individual consumers, with a dedicated SBA/government-assisted lending segment and a growth-company segment served by the Capital Finance division. As of Q1 2026, the bank held $945.8 million in total assets and $823.5 million in deposits, reported $1.319 million in net income (down 31% year-over-year), and faced deteriorating credit metrics including nonperforming assets that nearly doubled to $21.911 million and an 84% year-over-year increase in the allowance for loan losses.
Pinnacle Bank firmographics
Firmographics- Name
- Pinnacle Bank
- Legal name
- Pinnacle Bank
- Website
- https://pinnacle.bank
- Company type
- Public
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Pinnacle Bank is a California-chartered community bank operating four branches across Santa Clara, San Benito, and Monterey counties, serving small and medium-sized businesses and consumers with deposits, commercial and SBA lending, cash management, and asset-based lending via its Pinnacle Capital Finance division.
- Ownership category
- akta.pro rank
Pinnacle Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Pinnacle Bank is headquartered
LocationHeadquarters
- HQ city
- Gilroy
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Pinnacle Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking interest income from lending activities including commercial real estate loans, SBA loans, business loans, and personal loans including home equity lines of credit
- Business Financing Fees: Fees from business financing including term loans, revolving lines of credit, equipment financing, letters of credit, and government-assisted SBA loans
- Deposit Services: Business and personal deposit account services including checking accounts, money market accounts, savings accounts, and certificates of deposit. Fee income from analysis business checking and CDARS services
- Cash Management Services: Fees from cash management services including ACH origination, remote deposit capture, positive pay, wire transfers, merchant card processing, and foreign currency services
- Asset-Based Lending: Revenue from Pinnacle Capital Finance division providing accounts receivable financing, factoring, inventory financing, and purchase order financing to growth companies
- Business Credit Cards: MasterCard branded business and personal debit/credit cards issued through The Independent Bankers Bank partnership
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | SBA 7(a) Loans: $100,000 to $5,000,000 |
| Other | Multi-year contract | SBA 504 Loans: Projects up to $10,000,000 |
| Usage-based | Monthly | Asset-Based Lending: $1 million to over $14 million |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
Pinnacle Bank product offering
Product offeringCore offering
Pinnacle Bank is a California community bank offering business and personal banking services including deposit accounts, commercial and consumer loans, SBA government-assisted lending, cash management solutions, and asset-based lending through its Pinnacle Capital Finance division. The bank operates four branch locations in Campbell, Gilroy, Morgan Hill, and Salinas, complemented by digital banking platforms (online, mobile, and Zelle). The institution holds a Bauer Financial 5-Star Superior rating and trades publicly on the OTCQB under symbol PBNK.
Product overview
Pinnacle Bank is a community bank offering a unified portfolio of business and personal banking products and services across California. The core offering spans Business Banking (with Financing Options, Deposit Services, Online/Mobile Banking, Zelle, and Cash Management), Personal Banking (Deposit Services, Personal Loans, Zelle, and Additional Services), and Pinnacle Capital Finance for Asset-Based Lending. Additional offerings include Fraud Protection resources and Investor Relations services for its publicly traded stock. The bank operates across four California locations (Campbell, Gilroy, Morgan Hill, and Salinas) serving Santa Clara, San Benito, and Monterey counties.
Differentiator
Problem solved
Functional benefit
Brands
- Pinnacle Capital Finance: A division of Pinnacle Bank dedicated to providing Asset-Based Lending services to America's growth companies, with loans ranging from $1 million to over $14 million.
Products and services
- Business Banking Comprehensive banking services for businesses including financing options, deposit services, online/mobile banking, Zelle for small business, and cash management solutions. Targeted at small and medium-sized businesses in Santa Clara, San Benito, and Monterey counties.
- Business Financing Options Commercial lending products including term loans, revolving lines of credit, accounts receivable and inventory financing, working capital lines, equipment financing, letters of credit, business credit cards, commercial real estate lending, and SBA government-assisted loans (7(a) and 504 programs). SCC SBA 7(a) loans range from $100,000 to $5,000,000 with terms from 7-25 years; SBA 504 loans fund projects up to $10,000,000.
- Business Deposit Services Business deposit account products including business checking, analysis business checking, business interest checking, business premium money market, business savings, certificates of deposit, CDARS, and business sweep services.
- Business Online and Mobile Banking Digital banking platform enabling businesses to view accounts, pay bills, transfer funds, view check images, review/print statements, and download data to accounting software 24/7. Includes iOS and Android mobile apps.
- Cash Management Advanced cash management services including online bill payment, mobile banking, ACH origination, remote deposit capture, night depository, positive pay, ACH fraud filter, business debit cards, Autobooks invoicing, merchant card processing, wire transfers, and foreign currency services.
- Pinnacle Capital Finance (Asset-Based Lending) Division of Pinnacle Bank dedicated to providing asset-based lending services to growth companies with loans from $1 million to over $14 million, offering accounts receivable financing, factoring, inventory financing, and purchase order financing based on revenues rather than cash flow.
- Personal Banking Personal banking services including deposit services, online/mobile banking, personal loans, Zelle, and additional services like ATM/debit cards. Targeted at individual consumers seeking the personalized service of a community bank with digital banking tools.
- Personal Deposit Services Personal checking and savings accounts including Pinnacle Checking, Pinnacle Premium Checking, Reach Higher Checking, Pinnacle Community Checking, Pinnacle Savings, Pinnacle Premium Money Market, and Individual Retirement Accounts (IRAs).
- Personal Loans Personal loan products including Home Equity Lines of Credit and Single Family Home Construction loans.
- Zelle for Small Business Peer-to-peer payment solution for small businesses enabling acceptance of payments from customers and payment to vendors, suppliers, or employees, integrated into Pinnacle Bank Business Mobile Banking App.
- Zelle for Consumers Peer-to-peer payment service integrated into the Pinnacle Bank Consumer Mobile Banking App, enabling convenient money transfers between friends and family with enrollment via email or U.S. mobile number.
- Additional Personal Services Additional banking services including ATM cards and MasterCard branded debit cards usable worldwide, with SecurLOCK Equip app for card security and controls enabling users to turn cards off and on, control where cards can be used, and receive instant alerts.
Quantifiable outcome
- 5-Star Superior rating from Bauer Financial since 2015
- +1 more outcomes
Companies that use Pinnacle Bank
Customer profileNamed customers14 records
Segments4 records
Ideal customer profiles4 records
Pinnacle Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature4 records
Pinnacle Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- The Independent Bankers BankcoreThe Independent Bankers Bank issues MasterCard branded Credit Cards for Pinnacle Bank's business and personal customers. Pinnacle Bank's branded cards are offered through this partnership, with The Independent Bankers Bank providing the underlying card infrastructure.
- Early Warning Services, LLCcoreEarly Warning Services owns the Zelle marks which are used under license by Pinnacle Bank. Zelle enables peer-to-peer payment services integrated into Pinnacle Bank's mobile and online banking platforms for both consumer and small business accounts.
- Computershare Trust Company, N.A.coreComputershare Trust Company serves as Pinnacle Bank's transfer agent and registrar. They handle stockholder account services, stock transfers, direct registration system (DRS) support, and replacement certificates for shareholders.
Scale indicators14 records
Recent moves10 records
Expansion highlights5 records
Pinnacle Bank competitors and assessment
Company assessmentDirect peers
- Heritage Commerce Corp: Campbell, California-based bank holding company for Heritage Bank of Commerce, directly competing in Pinnacle's Silicon Valley / South Bay market with a similar full-service community banking model targeting SMBs and professionals.
- Sierra Bancorp: Porterville, California-based bank holding company for Bank of the Sierra, a public California community bank with comparable SMB and agricultural lending focus and a similar community banking playbook.
- Bank of Marin Bancorp: Public Northern California community bank (Bank of Marin) with a similar relationship-lending, SMB-focused business model and physical-branch distribution strategy in California markets.
- First Northern Community Bancshares: Dixon, California-based community bank holding company with a similar small-to-mid-sized business banking focus, public reporting, and California-specific footprint serving SMB and consumer customers.
- Pacific Valley Bank: Salinas-based community bank operating in the same Monterey/Santa Clara county footprint as Pinnacle, with a comparable SMB and small-business lending focus. Its Salinas presence makes it a direct overlap in Pinnacle's home market.
- Santa Cruz County Bank: Santa Cruz-based community bank of comparable size and SBA/SMB lending orientation, serving businesses and consumers in coastal California markets adjacent to Pinnacle's Monterey County footprint.
- Poppy Bank: Santa Rosa, California-based community bank focused on SBA lending and SMB/commercial banking with a comparable scale and public-community-bank profile to Pinnacle Bank.
- TriCo Bancshares: Chico-based Northern California community bank holding company (Tri Counties Bank) with a similar relationship-based SMB lending model, community focus, and competitive positioning as a public California community bank.
Regional players
- Five Star Bank: Sacramento-area community bank (subsidiary of Five Star Bancorp) offering similar SMB, SBA, and treasury-management products in California, with a regional Northern California focus that complements rather than directly overlaps Pinnacle's South Bay/Monterey footprint.
Broad incumbents
- CVB Financial Corp: Ontario, California-based parent of Citizens Business Bank — a larger, established California community bank with overlapping SMB and commercial banking services, but operating at significantly greater scale and geographic breadth.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Pinnacle Bank social profiles
Digital presencePinnacle Bank compliance and trust
Trust signalCompliance6 records
Pinnacle Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pinnacle Bank leadership team
Management profileNumber of profiles
Profiles21 records
Pinnacle Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pinnacle Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pinnacle Bank
What does Pinnacle Bank do?
Pinnacle Bank is a California community bank offering business and personal banking services including deposit accounts, commercial and consumer loans, SBA government-assisted lending, cash management solutions, and asset-based lending through its Pinnacle Capital Finance division. The bank operates four branch locations in Campbell, Gilroy, Morgan Hill, and Salinas, complemented by digital banking platforms (online, mobile, and Zelle). The institution holds a Bauer Financial 5-Star Superior rating and trades publicly on the OTCQB under symbol PBNK.
Is Pinnacle Bank a public or private company?
Pinnacle Bank is a public company. It is classified as public and is currently operating.
When was Pinnacle Bank founded?
Pinnacle Bank was founded in 2005. It employs 51 to 100 people.
Where is Pinnacle Bank based?
Pinnacle Bank is headquartered in Gilroy, United States, in the North America region.
How does Pinnacle Bank make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are business Financing Fees, deposit Services, cash Management Services, asset-Based Lending and business Credit Cards.
Who are Pinnacle Bank's main competitors?
Direct peers on record are Heritage Commerce Corp, Sierra Bancorp, Bank of Marin Bancorp, First Northern Community Bancshares, Pacific Valley Bank, Santa Cruz County Bank, Poppy Bank and TriCo Bancshares. Five Star Bank is listed as a regional player. CVB Financial Corp is listed as a broad incumbent.
Does Pinnacle Bank have an API?
No public API is recorded for Pinnacle Bank.
What industry is Pinnacle Bank in?
Pinnacle Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.