Pinnacle Bank (Nashville, TN)
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Data as of · sourced from FFIEC call reports. How we update
Pinnacle Bank is an FDIC-insured commercial bank headquartered in Nashville, TN, established in 2000 (FDIC certificate 35583), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $128.79B, the largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 10.73% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35583
- Headquarters
- Nashville, TN
- Established
- 2000
- Total assets, Q2 2026
- $128.79B
- CET1 ratio, Q2 2026
- 10.73%
- Domestic offices
- 429 FDIC institution directory, current count
- Routing number
- 064008637
- Holding company
- PINNACLE FINANCIAL PARTNERS, INC.
- Asset rank in state
- 1st of 109 in Tennessee
Pinnacle Bank is the 28th-largest bank in the United States, with $128.8 billion in assets at June 30, 2026, against $54.7 billion a year earlier. It is headquartered in Nashville, Tennessee, and operates 429 domestic branches. It holds common equity equal to 10.73% of its risk-weighted assets, lower than about 9 in 10 of the 14 banks with $100 billion to $250 billion in assets (median 12.29%). It also holds commercial real estate loans worth 2.5 times its capital, 2.7 times the median of 0.9 times for banks its size.
Earnings jumped: net income for the quarter was $327 million, 94% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $426 million equal 4% of Tier 1 capital, down from 11% a year earlier. Profitability lags: it returns 8.9% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.9%).
As of June 30, 2026, Pinnacle Bank reported a CET1 capital ratio of 10.73%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 4.00%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Pinnacle Bank is the largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.0% to $128.79B, loans rose 3.8% and deposits rose 1.2%. Commercial and industrial loans made up 27.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.7%. By the capital ratios in its Q2 2026 call report, Pinnacle Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 21 Platform Way S, Nashville, TN 37203
- County
- Davidson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- October 27, 2000
- Domestic offices
- 429 FDIC institution directory, current count
- Employees (FTE)
- 8,261
- Domestic deposits
- $102.25B
- Allowance for credit losses
- $955.9M
- Net charge-offs (YTD)
- $96.9M
- Average total assets
- $124.24B
- Average total loans
- $86.75B
- Average interest-bearing deposits
- $80.65B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 27, 2000
- FDIC Cert
- 35583
- Fed RSSD
- 2925666
- SEC CIK
- 2082866 → filed by PINNACLE FINANCIAL PARTNERS, INC.
- Website
- www.pnfp.com →
- Parent Holding Company
- PINNACLE FINANCIAL PARTNERS, INC. (RSSD 6073350) · PNFP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kevin S. Blair | CEO | Chief Executive Officer |
| Andrew J. Gregory Jr. | CFO | Chief Financial Officer |
| Bishop Daniel Zachary | COO | Chief Operating Officer |
| Shellie Creson | CRO | Chief Risk Officer |
| Allan E Kamensky | GC | Chief Legal Officer |
| Charissa D Sumerlin | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Pinnacle Bank's total assets moved between a low of $47.37B (Q3 2023) and a high of $128.79B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$128.79B total assets against $54.69B; $113.98B total liabilities against $47.96B.
$87.77B net loans and leases against $36.89B; $102.25B total deposits against $45.25B.
$20.63B securities against $9.08B; $7.57B cash and balances due against $2.99B.
$1.57B total interest income against $695.7M; $596.2M total interest expense against $309.9M.
$970.9M net interest income against $385.9M.
$245.8M total noninterest income against $119.8M; $692.0M total noninterest expense against $273.7M.
$63.0M provision for credit losses against $24.2M.
$326.7M net income against $168.7M.
1.05% return on assets against 1.25%; 3.44% net interest margin against 3.18%.
10.73% CET1 capital ratio against 11.49%; 8.97% tier 1 leverage ratio against 9.73%.
Inside the full Pinnacle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pinnacle Bank rankings
Its closest position to the top of a national ranking is 28 of 4,196, for total assets; its furthest is 2,011 of 2,134, for CET1 ratio.
Metric pages for Pinnacle Bank: Uninsured deposits.
Banks merged into Pinnacle Bank
- Synovus Bank, effective January 2, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q1 2026) to 1.32% (Q3 2025) and its net interest margin ran from 3.13% (Q1 2025) to 3.47% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.73% | 1.05% | 0.48% | 4.00% | 3.44% |
| Q1 2026 | 10.53% | 0.76% | 0.55% | 4.54% | 3.47% |
| Q4 2025 | 11.13% | 1.31% | 0.35% | 2.62% | 3.21% |
| Q3 2025 | 11.53% | 1.32% | 0.40% | 2.85% | 3.23% |
| Q2 2025 | 11.49% | 1.25% | 0.43% | 3.14% | 3.18% |
| Q1 2025 | 11.48% | 1.14% | 0.48% | 3.45% | 3.13% |
| Q4 2024 | 11.58% | 1.26% | 0.42% | 3.00% | 3.22% |
| Q3 2024 | 11.69% | 1.27% | 0.36% | 2.47% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 389 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Nashville Yards Branch | Nashville , TN | 37203 | $14.49B |
| Overton Branch | Atlanta , GA | 30339 | $9.30B |
| Synovus Place Branch | Columbus , GA | 31901 | $3.94B |
| Mcclean Office Branch | Mclean , VA | 22102 | $3.21B |
| Birmingham Branch | Birmingham , AL | 35209 | $2.62B |
| Knoxville Northshore Branch | Knoxville , TN | 37919 | $2.42B |
| Chattanooga Southside Drive Thru Branch | Chattanooga , TN | 37402 | $2.38B |
| Shady Grove Branch | Memphis , TN | 38120 | $2.36B |
| Murfreesboro College Street Branch | Murfreesboro , TN | 37130 | $1.66B |
| Atlanta Riverwood Branch | Atlanta , GA | 30339 | $1.09B |
| Downtown Fort Lauderdale Branch | Fort Lauderdale , FL | 33301 | $953.5M |
| Cool Springs Branch | Franklin , TN | 37067 | $924.2M |
| Columbia Branch | Columbia , SC | 29201 | $901.2M |
| Alpharetta Branch | Alpharetta , GA | 30009 | $877.2M |
| Westshore Branch | Tampa , FL | 33607 | $830.4M |
| Montgomery Branch | Montgomery , AL | 36106 | $771.3M |
| Raleigh Glenwood Ave Branch | Raleigh , NC | 27612 | $766.4M |
| Brentwood Branch | Brentwood , TN | 37027 | $766.3M |
| Winter Park Branch | Winter Park , FL | 32789 | $755.0M |
| High Point Bank and Trust Company Branch | High Point , NC | 27260 | $723.2M |
| Athens Main Branch | Athens , GA | 30601 | $666.6M |
| Charlotte Southpark Branch | Charlotte , NC | 28210 | $641.0M |
| Meeting Street Branch | Charleston , SC | 29401 | $640.3M |
| Roanoke Campbell Avenue Branch Office | Roanoke , VA | 24013 | $633.9M |
| Charleston Morrison Yards Branch | Charleston , SC | 29403 | $626.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2026 | Structure Change | Acquired Synovus Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 16, 2017 | Structure Change | Acquired Bank of North Carolina Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired Avenue Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2015 | Structure Change | Acquired Magna Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 3, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired CapitalMark Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2008 | Structure Change | Acquired Bank of the South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 27, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 2006 | Structure Change | Acquired Cavalry Banking Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 12.8% of deposits in TN, rank 2 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8,310 applications, 5,548 loans originated, $2.25B originated, across 43 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 164 loans, $211.9M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pinnacle Bank
What are Pinnacle Bank's total assets?
As of the Q2 2026 filing, Pinnacle Bank reported total assets of $128.79 billion in its FFIEC call report.
Where is Pinnacle Bank headquartered?
It is headquartered in Nashville, TN, United States.
When was Pinnacle Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35583). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pinnacle Bank?
Pinnacle Bank's primary federal regulator is the Federal Reserve.
What is Pinnacle Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does Pinnacle Bank operate?
It operates 429 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pinnacle Bank's Texas Ratio?
Its Texas Ratio is 4.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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