Pinnacle Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 159.8% higher than in Q1 2026, at $651.3M. Within Tennessee, Pinnacle Bank is 41st of 109 on loan-to-deposit ratio, 86.77% as of Q2 2026, above the middle of the field. Pinnacle Bank reported 86.77% on loan-to-deposit ratio for Q2 2026, 5.66 points above the 81.12% median for banks in the $100B-250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.72B |
| Net loans and leases | $87.77B |
| Loans held for sale | $651.3M |
| Loans to total assets | 68.89% |
| Loan-to-deposit ratio | 86.77% |
| Net loans to equity capital | 5.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.34% |
| Multifamily (5+ residential) | 5.48% |
| Commercial and industrial | 27.57% |
| Consumer | 2.81% |
| Credit cards | 0.27% |
| Farm | 0.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 245.70% |
| Construction concentration (Tier 1 capital + allowance) | 50.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.30B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $32.08B | $38.49B | 30.86% | 29.41% | 1.95% |
| Q4 2023 | $32.79B | $38.75B | 30.42% | 29.57% | 1.89% |
| Q1 2024 | $33.27B | $39.60B | 30.61% | 29.76% | 1.78% |
| Q2 2024 | $33.97B | $39.97B | 30.07% | 30.22% | 2.06% |
| Q3 2024 | $34.50B | $41.16B | 29.52% | 31.12% | 1.96% |
| Q4 2024 | $35.68B | $43.09B | 28.92% | 32.10% | 1.96% |
| Q1 2025 | $36.29B | $44.74B | 29.13% | 30.25% | 1.91% |
| Q2 2025 | $37.32B | $45.25B | 28.50% | 30.51% | 2.07% |
| Q3 2025 | $38.11B | $45.99B | 28.10% | 31.72% | 1.96% |
| Q4 2025 | $39.25B | $47.88B | 28.07% | 31.91% | 1.89% |
| Q1 2026 | $85.45B | $101.06B | 29.88% | 27.09% | 2.37% |
| Q2 2026 | $88.72B | $102.25B | 29.34% | 27.57% | 2.81% |
Pinnacle Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedule RC-C, 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)