Pinnacle Bank (Nashville, TN)
Pinnacle Bank (Nashville, TN) reported total assets of $128.8 bn at Q2 2026, up 135.5% on a year earlier, the 28th largest of 497 banks in our US coverage. The CET1 capital ratio at Pinnacle Bank (Nashville, TN) was 10.73%, and the uninsured share of Pinnacle Bank (Nashville, TN) was 49.54%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Pinnacle Bank (Nashville, TN) climbed from 334th to 105th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Pinnacle Bank (Nashville, TN) reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of over $100 bn: 10.73% at , where the median of the 32 banks is 13.06% (FDIC Call Reports).
- Since , Pinnacle Bank (Nashville, TN) has taken over 3 institutions; the latest was Synovus Bank on (FDIC Call Reports).
What sets Pinnacle Bank (Nashville, TN) apart
- Over the year to , the total deposits of Pinnacle Bank (Nashville, TN) rose by 125.9% to $102.2 bn, one of the largest rises among covered banks.
- Over the year to , the net loans and leases of Pinnacle Bank (Nashville, TN) rose by 137.9% to $87.8 bn, one of the largest rises among covered banks.
- Over the year to , the bank equity capital of Pinnacle Bank (Nashville, TN) rose by 120.2% to $14.8 bn, one of the largest rises among covered banks.
How large is Pinnacle Bank (Nashville, TN)?
The balance sheet of Pinnacle Bank (Nashville, TN) at : assets $128.8 bn, deposits $102.2 bn, net loans $87.8 bn (loans equal to 85.84% of deposits). Securities make up 16.0% of total assets at Pinnacle Bank (Nashville, TN). Since , when Pinnacle Bank (Nashville, TN) held $9.2 bn, its assets grew 1,299.3%. At , Pinnacle Bank (Nashville, TN) employed 8,261 full-time equivalent staff across 429 offices, about $15.6 mn of assets per employee and $238.3 mn of deposits per office.
How much funding at Pinnacle Bank (Nashville, TN) is uninsured?
At Pinnacle Bank (Nashville, TN), uninsured deposits (above the FDIC limit) made up 49.54% of domestic deposits at (+8.52 pp on a year earlier); Pinnacle Bank (Nashville, TN) ranks 88th of 500 on this measure. In dollars, Pinnacle Bank (Nashville, TN) estimated $50.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $102.2 bn | +125.9% | 29th of 499 |
| Net loans and leases | $87.8 bn | +137.9% | 25th of 500 |
| Loan-to-deposit ratio | 85.84% | +4.31 pp | 266th of 500 |
| Tier 1 leverage ratio | 8.97% | -0.77 pp | 435th of 500 |
| Total risk-based capital ratio | 11.83% | -0.62 pp | 422nd of 448 |
| Net interest margin | 4.17% | +1.01 pp | 105th of 500 |
| Return on assets (ROA) | 1.08% | -0.10 pp | 354th of 500 |
| Efficiency ratio | 59.16% | +5.02 pp | 319th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $158.2 mn | Narrowed by $127.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $268.0 mn | Narrowed by $12.6 mn | |
| Noncurrent loans to total loans | 0.48% | +0.04 pp | 186th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.27% | +0.09 pp | 387th of 500 (1 = lowest) |
US rank of Pinnacle Bank (Nashville, TN): 1 = highest unless marked 1 = lowest.
Balance sheet
Pinnacle Bank (Nashville, TN): assets, deposits and loans
- Total assets $129bn
- Deposits $102bn
- Net loans $87.8bn
Capital and securities
The CET1 ratio of Pinnacle Bank (Nashville, TN) stood at 10.73% in , -0.76 pp year on year. Low and high at Pinnacle Bank (Nashville, TN) since : 8.33% () to 11.87% (). Equity capital of Pinnacle Bank (Nashville, TN) at : $14.8 bn, or 11.5% of total assets. Pinnacle Bank (Nashville, TN) also reported a total capital ratio of 11.83% for , and a tier 1 leverage ratio of 8.97%.
On held-to-maturity securities, Pinnacle Bank (Nashville, TN) carried an unrealized loss of $158.2 mn at , equal to 1.1% of equity capital. The loss narrowed by $127.6 mn over the year. Its deepest point: $439.1 mn in . The available-for-sale portfolio of Pinnacle Bank (Nashville, TN) showed an unrealized loss of $268.0 mn at ; the loss narrowed by $12.6 mn over the year.
Pinnacle Bank (Nashville, TN): capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.0%
Pinnacle Bank (Nashville, TN): unrealized securities gains and losses
- Available for sale -$268mn
- Held to maturity -$158mn
Profitability and loan quality
For the year to , Pinnacle Bank (Nashville, TN) earned a return on equity of 9.24%; return on assets: 1.08%. Net interest margin at Pinnacle Bank (Nashville, TN): 4.17%, +1.01 pp in a year. Pinnacle Bank (Nashville, TN) net income: $557.6 mn, up 74.7% year on year. The efficiency ratio of Pinnacle Bank (Nashville, TN) was 59.16%: about 59 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.48% of total loans at Pinnacle Bank (Nashville, TN); net charge-offs: 0.27% of average loans. Gross loans and leases at Pinnacle Bank (Nashville, TN): $88.7 bn, up 137.8% in a year.
Pinnacle Bank (Nashville, TN): profitability
- Return on equity 9.2%
- Net interest margin 4.2%
- Return on assets 1.1%
Peer group of Pinnacle Bank (Nashville, TN)
The peer group of Pinnacle Bank (Nashville, TN) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Pinnacle Bank (Nashville, TN) (state member bank), 6 sit in the same size group (over $100 bn) and 0 have head offices in Tennessee. Against them, Pinnacle Bank (Nashville, TN) shows CET1 ratio 10.73% against a peer median of 15.12%, return on equity 9.24% against a peer median of 15.82% and uninsured deposit share 49.54% against a peer median of 38.19%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The Northern Trust Company | State member bank | IL | $178.6 bn | 11.83% | 22.34% | 76.66% | |
| HSBC Bank USA | National bank | VA | $173.1 bn | 15.90% | 10.02% | 71.29% | |
| Regions Bank | State member bank | AL | $159.8 bn | 11.58% | 12.86% | 39.23% | |
| Pinnacle Bank | State member bank | TN | $128.8 bn | 10.73% | 9.24% | 49.54% | |
| UBS Bank USA | National bank | UT | $124.4 bn | 26.74% | 14.19% | 37.16% | |
| Synchrony Bank | Federal savings bank | UT | $115.2 bn | 14.35% | 22.07% | 11.92% | |
| USAA Federal Savings Bank | Federal savings bank | AZ | $106.2 bn | 16.89% | 17.44% | 5.19% | |
. FDIC Call Reports.
Last eight quarters
Two years at Pinnacle Bank (Nashville, TN), to : assets +154.7%, deposits +148.4%, equity +130.1%. Staff 3,517 to 8,261; offices 173 to 429.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $50.6 bn | $52.5 bn | $54.2 bn | $54.7 bn | $55.9 bn | $57.6 bn | $122.6 bn | $128.8 bn |
| Total deposits | $41.2 bn | $43.1 bn | $44.7 bn | $45.3 bn | $46.0 bn | $47.9 bn | $101.1 bn | $102.2 bn |
| Bank equity capital | $6.4 bn | $6.5 bn | $6.6 bn | $6.7 bn | $6.9 bn | $6.9 bn | $14.5 bn | $14.8 bn |
| CET1 ratio | 11.69% | 11.58% | 11.48% | 11.49% | 11.53% | 11.13% | 10.53% | 10.73% |
| Return on equity (ROE) | 7.56% | 8.18% | 9.16% | 9.63% | 10.00% | 10.21% | 8.63% | 9.24% |
| Uninsured share of domestic deposits | 36.39% | 38.20% | 40.67% | 41.02% | 42.53% | 43.91% | 48.53% | 49.54% |
| Full-time equivalent employees | 3,517 | 3,566 | 3,595 | 3,627 | 3,658 | 3,709 | 8,217 | 8,261 |
| Number of offices | 173 | 175 | 175 | 178 | 179 | 181 | 438 | 429 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Pinnacle Bank (Nashville, TN), oldest first; figures before and after each event are not like for like.
- . Absorbed Avenue Bank (FDIC certificate 6106).
- . Absorbed Bank of North Carolina (FDIC certificate 33527).
- . Absorbed Synovus Bank (FDIC certificate 873).
Large one-quarter moves at Pinnacle Bank (Nashville, TN)
- Total assets at Pinnacle Bank (Nashville, TN) changed by +78.6% in the quarter to 2017-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Bank of North Carolina.
- Total assets at Pinnacle Bank (Nashville, TN) changed by +112.8% in the quarter to 2026-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Synovus Bank.
Questions and identifiers
What were the total assets of Pinnacle Bank (Nashville, TN)?
Pinnacle Bank (Nashville, TN) reported $128.8 bn at in its Call Report. That makes Pinnacle Bank (Nashville, TN) the 28th largest of 497 banks in our US coverage.
Is Pinnacle Bank (Nashville, TN) the same as its holding company?
No. This page covers Pinnacle Bank (Nashville, TN), FDIC certificate 35583; PINNACLE FINL PARTNERS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Pinnacle Bank (Nashville, TN) profitable?
Pinnacle Bank (Nashville, TN) reported net income of $557.6 mn for the year to ; annualized return on equity: 9.24%. So yes: Pinnacle Bank (Nashville, TN) made a profit over these months.
When is data for Pinnacle Bank (Nashville, TN) next updated?
Figures from Pinnacle Bank (Nashville, TN) for are due after .
Where can I check the figures for Pinnacle Bank (Nashville, TN)?
In the FDIC BankFind Suite record for certificate 35583, and in the Call Reports of Pinnacle Bank (Nashville, TN) (RSSD ID 2925666) at the FFIEC Central Data Repository.