Pinnacle Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 9.7% in Q2 2026, from -$225.0M to -$246.9M. It was the largest change from Q1 2026 among the key lines here. Pinnacle Bank has the 5th lowest CET1 ratio of the 71 banks headquartered in Tennessee, at 10.73% as of Q2 2026. Pinnacle Bank reported 10.73% on CET1 ratio for Q2 2026, 1.62 points below the 12.36% median for banks in the $100B-250B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.73% |
| Tier 1 risk-based capital ratio | 10.73% |
| Total risk-based capital ratio | 11.83% |
| Tier 1 leverage ratio | 8.97% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.75B |
| Tier 1 capital | $10.75B |
| Total risk-based capital | $11.85B |
| Total equity capital | $14.81B |
| Risk-weighted assets | $100.19B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.50% |
| Tangible equity to tangible assets | 8.29% |
| Equity capital to average assets | 11.92% |
| Internal capital growth rate | 9.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $102.9M |
| Common stock surplus | $11.11B |
| Retained earnings | $3.85B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$246.9M |
| Subordinated notes and debentures | $493.8M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.21% | 12.05% | 9.67% | $39.41B |
| Q4 2023 | 11.14% | 11.14% | 11.96% | 9.67% | $40.10B |
| Q1 2024 | 11.27% | 11.27% | 12.18% | 9.73% | $40.43B |
| Q2 2024 | 11.52% | 11.52% | 12.47% | 9.72% | $39.87B |
| Q3 2024 | 11.69% | 11.69% | 12.65% | 9.85% | $40.42B |
| Q4 2024 | 11.58% | 11.58% | 12.52% | 9.78% | $41.90B |
| Q1 2025 | 11.48% | 11.48% | 12.45% | 9.73% | $43.16B |
| Q2 2025 | 11.49% | 11.49% | 12.45% | 9.73% | $44.33B |
| Q3 2025 | 11.53% | 11.53% | 12.49% | 9.77% | $45.50B |
| Q4 2025 | 11.13% | 11.13% | 12.09% | 9.39% | $46.48B |
| Q1 2026 | 10.53% | 10.53% | 11.83% | 8.87% | $98.56B |
| Q2 2026 | 10.73% | 10.73% | 11.83% | 8.97% | $100.19B |
Pinnacle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35583) · FFIEC NIC profile (RSSD 2925666)