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Pinnacle Bank
Nashville, TN · FDIC Certificate #35583 · Chartered 10/2
Total assets
$128.79B
Total deposits
$102.25B
Total equity
$14.81B
Net loans
$87.77B
Branches (offices)
389
Net income (YTD)
$557.60M
Rank: #28 of 4,213 U.S. banks by assets · #1 of 109 in Tennessee. Assets changed 135.5% and deposits 125.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 9.24% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 11.50% |
| Tier 1 leverage ratio | 8.97% |
| Uninsured deposits (share of deposits) | 49.5% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 56.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $49.67B | 56.6% | |
| Commercial & industrial | $24.46B | 27.9% | |
| Consumer / individual | $2.49B | 2.8% | |
| Construction & development | $5.89B | 6.7% | |
| Agricultural | $45.03M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $39.88B | $32.76B | $271.37M | $5.31B |
| Jun 2023 | $46.76B | $37.94B | $351.80M | $5.94B |
| Jun 2024 | $49.23B | $39.97B | $196.52M | $6.27B |
| Jun 2025 | $54.69B | $45.25B | $319.23M | $6.73B |
| Jun 2026 | $128.79B | $102.25B | $557.60M | $14.81B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $32.31B | 57 |
| Georgia | $29.94B | 102 |
| Florida | $12.23B | 85 |
| Alabama | $8.21B | 37 |
| North Carolina | $7.70B | 44 |
| South Carolina | $6.65B | 49 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $102.25B.
Similar-sized banks
Regions Bank ($159.79B) · Ubs Bank Usa, National Association ($124.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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