Gross approvals for Pinnacle Bank (CA) total $547.0 million on 314 loans, FY2017 to FY2026. Pinnacle Bank (CA) shows 314 7(a) loans, and no 504 loans. Pinnacle Bank (CA) has 314 loans assigned to it. 314 loans carry SBA's guarantee, not Pinnacle Bank (CA)'s.

Pinnacle Bank (CA) asset and state spread

Pinnacle Bank (CA) ranks by loans as Assisted living (without nursing care), 138, Hotel and motel, 124, Car wash, 6 and Full-service restaurant, 5. 32 Pinnacle Bank (CA) loans fit none of the tracked classes.

Pinnacle Bank (CA): cancellations and charge-offs

Pinnacle Bank (CA) has a cancellation floor of 7.1% across FY2017 to FY2024 approvals. Pinnacle Bank (CA) reaches a ceiling of 7.1%, counting undisbursed approvals as cancelled. At Pinnacle Bank (CA), 0.00% of 218 loans were charged off, a floor. The Pinnacle Bank (CA) cohort covers FY2017 to FY2021 disbursements. Pinnacle Bank (CA) reads 0.00% on the five-year view. Pinnacle Bank (CA): 0.00% counts only charge-offs to date. Pinnacle Bank (CA): read each rate as a floor.

Pinnacle Bank (CA) in a feasibility study

Pinnacle Bank (CA) lists 138 loans in the Assisted living (without nursing care) class. Pinnacle Bank (CA) study must prove bed supply nearby. For 138 Assisted living (without nursing care) loans, competing occupancy stays open. Pinnacle Bank (CA) history says nothing on staffing cost. 124 loans of Pinnacle Bank (CA) fall in the Hotel and motel class. Pinnacle Bank (CA) study needs rate and occupancy. 124 Hotel and motel loans leave franchise cost open. Pinnacle Bank (CA) total of $547.0 million says nothing about any one site. 32 Pinnacle Bank (CA) loans fit no tracked class. At Pinnacle Bank (CA), the project must carry the case. Pinnacle Bank (CA): ask directly what it needs to see. Pinnacle Bank (CA) shows 314 loans, not demand at any one site. Pinnacle Bank (CA) totals trail supply near the site. Pinnacle Bank (CA) study: written support behind each revenue figure. Pinnacle Bank (CA) request: build cost quoted, not assumed. Pinnacle Bank (CA) debt service needs a cautious revenue case. Pinnacle Bank (CA) history cannot stand in for an appraisal. Pinnacle Bank (CA) study needs a downside case in writing. Pinnacle Bank (CA): assumptions stated, coverage tested, value supported. Pinnacle Bank (CA) lists 314 loans and $547.0 million in gross approvals. Pinnacle Bank (CA) equity belongs in the study.

Pinnacle Bank (CA) cancellation rates use approvals through FY2024 only. Pinnacle Bank (CA) totals add FY2025 and FY2026 approvals. The Pinnacle Bank (CA) cohort holds 218 loans, disbursed FY2017 to FY2021. Pinnacle Bank (CA) figures describe loans held, not lender practices. Pinnacle Bank (CA) history of 314 loans promises nothing to a new borrower.

SBA loans held by Pinnacle Bank (CA)

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026	314
Gross dollars approved	$547.0 million
SBA 7(a) loans	314
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	7.1%
The same, counting loans still undisbursed as cancelled (a ceiling)	7.1%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	0.00%
Charged off within five years of approval	0.00%
Loans in that cohort	218

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset class	Loans
Assisted living (without nursing care)	138
Hotel and motel	124
Not in any of the 39 asset classes	32
Car wash	6
Full-service restaurant	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

The state breakdown is withheld, so that no group of fewer than 5 loans can be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-58297.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Pinnacle Bank (CA) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Pinnacle Bank (CA): SBA Lending Record