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Pinnacle Bank

$10B-$250B Specialty: Commercial TN FDIC cert 35583

Nashville, TN

429 branches across GA · FL · TN · SC · NC · AL · VA · KY · MD · TX · CA · IN · MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in TN.
  • Deposits +125.9% year over year ($102.2B on the books).
  • Delinquency rate 0.48%.
  • Return on assets 1.08%.
  • Efficiency ratio 59.16% vs a 53.67% peer average.
  • Loan-to-deposit ratio 85.84% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in TN
View $10B-$250B leaderboard (TN) →

Pinnacle Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.25% above tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 16.7% in tier
  • - Credit Quality Pressure: Bottom 19.4% in tier
  • - ROA 0.31% below tier average
Get updates when Pinnacle Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $128.8B
+135.5% YoY +5.0% QoQ
+$85.2B $43.6B
-13.8% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Top 6.5% in tier
Total Loans ? $87.8B
+137.9% YoY +3.9% QoQ
+$59.8B $28.0B
-8.6% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Top 6.5% in tier
Total Deposits ? $102.2B
+125.9% YoY +1.2% QoQ
+$66.8B $35.4B
-14.0% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Top 7.2% in tier
Return on Assets ? 1.08%
-8.8% YoY +5.6% QoQ
-0.31% 1.39%
+25.9% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.17%
+31.9% YoY -11.6% QoQ
+0.25% 3.92%
+8.9% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 59.16%
+9.3% YoY -9.5% QoQ
+5.49% 53.67%
-1.9% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.48%
+10.0% YoY -12.7% QoQ
-0.53% 1.01%
-2.8% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 85.84%
+5.3% YoY +2.7% QoQ
+3.23% 82.61%
+3.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 20.31%
+5.9% YoY +0.3% QoQ
-0.28% 20.58%
+4.9% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.35%
+15.4% YoY -13.7% QoQ
-0.38% 0.73%
+5.8% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 10.73%
-6.6% YoY +2.0% QoQ
-4.62% 15.35%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Bottom 3.6% in tier
Non-Interest Income / Assets ? 0.38%
-8.8% YoY +89.9% QoQ
-0.11% 0.50%
+10.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 20.3%
+1.1pp YoY
+0.1pp QoQ
 -0.7pp 21.0% 18.8% 22.2% 38%
Brokered Deposits 14.1%
-2.0pp YoY
+1.4pp QoQ
 +4.9pp 9.2% 9.4% 8.5% 83%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 27.9%
-3.0pp YoY
+0.5pp QoQ
 +10.7pp 17.2% 10.9% 12.5% 87%
CRE 41.9%
-2.7pp YoY
-1.5pp QoQ
 -0.1pp 42.0% 42.4% 41.4% 44%
1-4 Family 14.6%
+0.6pp YoY
-0.3pp QoQ
 -8.6pp 23.1% 39.8% 31.3% 29%
Consumer 2.8%
+0.7pp YoY
+0.4pp QoQ
 -10.1pp 12.9% 4.5% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 10.7%
-0.8pp YoY
+0.2pp QoQ
 -4.5pp 15.3% 14.8% 19.7% 3%
Leverage Ratio 9.0%
-0.8pp YoY
+0.1pp QoQ
 -1.5pp 10.4% 11.4% 12.6% 16%
Total Capital Ratio 11.8%
-0.6pp YoY
0.0pp QoQ
 -4.7pp 16.5% 15.9% 20.8% 3%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 8,261
+4634 (+127.8%) YoY
+44 (+0.5%) QoQ
 +5,003 3,258 270 482 92%
Assets per Employee ($) $15.6M
+3.4% YoY
+4.5% QoQ
 -$11.4M $27.0M $7.1M $8.8M 64%
Branch Count 429
+251 (+141.0%) YoY
-9 (-2.1%) QoQ
 +291 137 17 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.4% 25%
Nonaccrual 0.5%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.7% 0.7% 1.0% 33%
Allowance Coverage 2.26x
-13.5% YoY
+12.0% QoQ
 -0.55x 2.81x 28.97x 20.23x 68%
Net Charge-off Rate (YTD) 0.3%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.4% 0.1% 0.2% 69%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 9.2%
-0.4pp YoY
+0.6pp QoQ
 -3.4pp 12.6% 10.9% 11.6% 30%
Cost of Funds (YTD) 2.5%
0.0pp YoY
-0.3pp QoQ
 +0.6pp 2.0% 2.0% 1.7% 80%
Net Income ($, YTD) $557.6M
+74.7% YoY
— QoQ
 +$260.8M $296.8M $16.7M $40.4M 88%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk
#3 of 12 • Bottom 16.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 59.16%
(Tier: 53.67%, National: 70.05%)
worse than tier avg
12 of 12 Large banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#14 of 67 • Bottom 19.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.48%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

10
Total Assets
size
Value: $128.79B
Peer Median: $43.60B
#10 of 139 Top 6.5% in $10B-$250B
10
Total Loans
size
Value: $87.77B
Peer Median: $27.97B
#10 of 139 Top 6.5% in $10B-$250B
11
Total Deposits
size
Value: $102.25B
Peer Median: $35.42B
#11 of 139 Top 7.2% in $10B-$250B
27
Net Interest Margin
profitability
Value: 4.17%
Peer Median: 3.92%
#27 of 139 Top 18.7% in $10B-$250B

Top Weaknesses (1 metrics)

135
Tier 1 Capital Ratio
capital
Value: 10.73%
Peer Median: 15.35%
#135 of 139 Bottom 3.6% in $10B-$250B
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