Pinnacle Bank

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.

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

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

• Community banking services
• Small business lending
• Asset-based lending
• SBA preferred lending
• Cash management services

Headquarters

HQ city

Gilroy

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. 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
2. Business Financing Fees: Fees from business financing including term loans, revolving lines of credit, equipment financing, letters of credit, and government-assisted SBA loans
3. 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
4. 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
5. Asset-Based Lending: Revenue from Pinnacle Capital Finance division providing accounts receivable financing, factoring, inventory financing, and purchase order financing to growth companies
6. Business Credit Cards: MasterCard branded business and personal debit/credit cards issued through The Independent Bankers Bank partnership

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core 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

Named customers14 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• The Independent Bankers BankcoreOEM/ Whitelabel/ Licensing PartnerThe 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, LLCcoreTechnology or IntegrationEarly 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.coreOthersComputershare 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

Direct 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

• LinkedInlinkedin.com/company/pinnaclebank

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pinnacle Bank