Pinnacle Bank
Community bank specializing in business banking with offices in Campbell, Morgan Hill, Gilroy, and Salinas, offering personal and business accounts, loans, online/mobile banking, and cash management with 5-Star Bauer rating.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (8 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Pinnacle Bank ranks #565 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Pinnacle Bank’s 7(a) acquisition lending falls in the $1M-$2M range: 3 loans, 37.5% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 2 | 25.0% | |
| $500K-$1M | 2 | 25.0% | |
| $1M-$2M | 3 | 37.5% | |
| $4M-$5M | 1 | 12.5% |
Industries with highest loan volume
Assisted Living Facilities for the Elderly
5
loans
$1.0M
avg. amount
Offices of Physicians (except Mental Health Specialists)
2
loans
$303K
avg. amount
Hotels (except Casino Hotels) and Motels
1
loans
$5.0M
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Pinnacle Bank’s median variable rate is + 1.75%, against a market median of Prime + 1.88%, 13 below market.
It priced below the market median in every one of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.38% |
| $500K-$1M | Prime + 1.75% |
| $1M-$2M | Prime + 1.75% |
| $4M-$5M | Prime + 1.50% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '21 | Prime + 1.75% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 5 |
| Q3 '21 | Prime + 1.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 8 |
| Q1 '22 | Prime + 1.75% | Prime + 2.00% | Prime + 1.74% – Prime + 2.50% | 10 |
| Q2 '22 | Prime + 1.25% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 4 |
| Q3 '22 | Prime + 1.25% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 7 |
| Q4 '22 | Prime + 1.50% | Prime + 1.75% | Prime + 1.00% – Prime + 2.00% | 3 |
| Q1 '23 | Prime + 1.63% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 4 |
| Q4 '23 | Prime + 1.75% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 4 |
Pinnacle Bank has originated 7(a) acquisition loans in 1 states, most actively in California (8). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 8 | 100.0% |
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