Pinnacle Bank (Nashville, TN): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Nashville, TN, Pinnacle Bank ranks among the largest US commercial banks by total assets, in the Nashville metropolitan region. The Q2 2026 balance sheet stands at $128.8B in assets, including $88.7B in loans. Profitability tracks the broader industry: ROA 1.05%, ROE 8.92%, NIM 3.44%. Capital is comfortably above regulatory requirements, CET1 ratio of 10.73% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.54% nonperforming loans and a 4.58% Texas Ratio. Pinnacle runs a 428-branch network across multiple states.
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 0.54%, a Texas ratio of 4.58%, per financial data filed with the FFIEC.
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
- Offices
- 428 domestic
- Employees (FTE)
- 8,261
- Domestic deposits
- $102.25B
- Allowance for credit losses
- $955.9M
- Net charge-offs (YTD)
- $96.9M
- 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 |
|---|---|---|
| Blair Kevin S. | CEO | Chief Executive Officer |
| Gregory Andrew J. Jr. | CFO | Chief Financial Officer |
| Bishop Daniel Zachary | COO | Chief Operating Officer |
| Creson Shellie | CRO | Chief Risk Officer |
| Kamensky Allan E | GC | Chief Legal Officer |
| Sumerlin Charissa D | CCO | Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Pinnacle Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Pinnacle 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no 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
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.73% | 1.05% | 0.54% | 4.58% | 3.44% |
| Q1 2026 | 10.53% | 0.76% | 0.57% | 4.84% | 3.47% |
| Q4 2025 | 11.13% | 1.31% | 0.37% | 2.83% | 3.21% |
| Q3 2025 | 11.53% | 1.32% | 0.41% | 2.98% | 3.23% |
| Q2 2025 | 11.49% | 1.25% | 0.43% | 3.23% | 3.18% |
| Q1 2025 | 11.48% | 1.14% | 0.49% | 3.54% | 3.13% |
| Q4 2024 | 11.58% | 1.26% | 0.46% | 3.29% | 3.22% |
| Q3 2024 | 11.69% | 1.27% | 0.43% | 3.04% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 389 branches →
| 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
What the public regulatory sources show for Pinnacle Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Pinnacle Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Pinnacle Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pinnacle Bank headquartered?
Pinnacle Bank is headquartered in Nashville, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pinnacle Bank founded?
Pinnacle Bank was established in 2000, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. Pinnacle Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pinnacle Bank's CET1 capital ratio?
Pinnacle Bank 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?
Pinnacle Bank operates 428 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?
Pinnacle Bank's Texas Ratio is 4.58% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Pinnacle Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Pinnacle Bank, freeFree account