Pinnacle Bank
Nashville, TN·RSSD 2925666·FDIC 35583·bank:2925666·Risk-based ratios where reported
- #1 of 109Total assets in Tennessee
- Top 1%Total assets in the U.S.
- 429offices
- 8,261employees
- #7 of 4,106Deposit growth in the U.S.
- #8 of 3,986Loan growth in the U.S.
- #10 of 1,942C&I loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Pinnacle Bank
7 of 24 FORFI signals stand out against 52 similar banks, based on FDIC data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal+114.8%peers +7.9%+107.0 pp
Pinnacle Bank's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +114.8% | +7.9% | +107.0 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+135.5%peers +4.9%+130.6 pp
Pinnacle Bank's total assets grew 135.5% over the past year to $129 billion. The median among 52 similar banks was +4.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +135.5% | +4.9% | +130.6 pp |
| Total assets | ||
| $129 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding+125.9%peers +5.3%+120.7 pp
Pinnacle Bank's deposits grew 125.9% over the past year to $102 billion. The median among 52 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +125.9% | +5.3% | +120.7 pp |
| Deposits | ||
| $102 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings1.04%peers 1.30%-26 bps
Pinnacle Bank's annualized return on assets fell 20 bps over the past year to 1.04%. Among 50 similar banks, the median rose 11 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.04% | 1.30% | -26 bps |
| 12-month change | ||
| -20 bps | +11 bps | -31 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Loans growing faster than peersLending
- C&I lending growing faster than peersLending
- Borrowed funding rising faster than peersFunding
Key facts
- Pinnacle Bank is a bank headquartered in Nashville, Tennessee. It reported $129 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $102 billion, up 125.9% from a year earlier, and loans totaled $88.7 billion, up 137.8%.
- Its net interest margin was 3.47% and its annualized return on assets was 1.04% for the quarter.
- Its cost of all deposits was 2.13%, compared with a median of 1.77% among 50 similar banks with $50 billion or more in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Pinnacle Bank's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Pinnacle Bank · Bank
- Federal Reserve RSSD
- 2925666
- FDIC certificate
- 35583
- Reporting period
- Peer group
- 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $326.7M | — | |
| $1.57B | — | |
| $596.17M | — | |
| $970.86M | — | |
| $245.81M | — | |
| $692.03M | — | |
| $62.39M | — | |
| $63.01M | — | |
| 1.04% | 1.04%ROAQ · Quarter | |
| 3.47% | 3.46%NIMYQ · Quarter | |
| 56.88% | 53.05%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.