Pinnacle Bank
Nashville, Tennessee, Davidson County
$129B in total assets, the 28th largest of 4,309 US banks and 1st of 109 headquartered in Tennessee.
- FDIC certificate
- 35583
- Established
- 2000
- Owned by
- Pinnacle Finl Partners Inc
- Primary regulator
- FED
- Website
- www.pnfp.com
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $129B | 13% | $255B | |
| Loans | $88.7B | 23% | $149B | |
| Deposits | $102B | 10% | $225B | |
| Return on assets | 1.11% | 26% | 1.22% | |
| Net interest margin | 4.17% | 87% | 3.14% | |
| Efficiency ratio | 59.2% | 64% | 54.8% | |
| Equity to assets | 11.50% | 74% | 9.69% | |
| Loans to deposits | 87% | 81% | 73% |
Growth
Total assets grew 29.6% a year over the last 5 years and 29.6% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | Synovus Bank Columbus, GA | $61.2B |
| Jun 2017 | Bank of North Carolina Thomasville, NC | $7.6B |
| Jul 2016 | Avenue Bank Nashville, TN | $1.2B |
| Sep 2015 | Magna Bank Memphis, TN | $588M |
| Aug 2015 | CapitalMark Bank & Trust Chattanooga, TN | $1.0B |
| Mar 2008 | Bank of the South Mount Juliet, TN | $567M |
| Mar 2008 | PrimeTrust Bank Memphis, TN | $717M |
| Mar 2006 | Cavalry Banking Murfreesboro, TN | $635M |
Where they operate
389 branches in 142 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Davidson County, TN | $16.6B | 25.1% | 2 of 35 |
| Cobb County, GA | $10.9B | 35.6% | 1 of 25 |
| Muscogee County, GA | $5.0B | 62.7% | 1 of 11 |
| Jefferson County, AL | $3.6B | 8.0% | 4 of 39 |
| Fairfax County, VA | $3.2B | 2.7% | 6 of 38 |
| Knox County, TN | $3.0B | 16.1% | 3 of 31 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 346 branches since 2016 (43 to 389, +804.7%). 58 opened, 321 acquired, 33 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 43 | |||
| 2016 | Acquired Avenue BankClosed Nashville | 2 | 1 | +1 | 44 |
| 2017 | Acquired Bank of North CarolinaBought 9 branches from High Point Bank and Trust Company, opened 6 in 2 states, closed 12 in 4 states | 83 | 12 | +71 | 115 |
| 2018 | Opened CharlotteClosed Chapel Hill | 1 | 1 | 0 | 115 |
| 2019 | Opened Memphis and OoltewahClosed 5 in 3 states | 2 | 5 | −3 | 112 |
| 2020 | Opened 7 in 3 statesClosed Cordova | 7 | 1 | +6 | 118 |
| 2021 | Opened 3 in 3 states | 3 | 0 | +3 | 121 |
| 2022 | Opened 6 in 4 statesClosed Huntsville | 6 | 1 | +5 | 126 |
| 2023 | Opened 5 in 5 statesClosed Charleston | 5 | 1 | +4 | 130 |
| 2024 | Opened 13 in 8 statesClosed Gallatin | 13 | 1 | +12 | 142 |
| 2025 | Opened 6 in 4 states | 6 | 0 | +6 | 148 |
| 2026 through Q2 | Acquired Synovus BankOpened 9 in 5 states, closed 10 in 6 states | 251 | 10 | +241 | 389 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 29% | 7% | |
| Business (C&I) | 28% | 18% | |
| 1-4 family residential | 14% | 19% | |
| Construction and land | 7% | 2% | |
| Multifamily | 5% | 3% | |
| Consumer | 3% | 21% | |
| Other | 14% | 32% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 67% | 72% | |
| Noninterest-bearing | 20% | 16% | |
| Time deposits | 13% | 13% |
Brokered deposits are 14.1% of deposits (peers 6.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.47% | 0.86% |
| Net charge-offs, annualized | 0.27% | 0.37% |
| Reserves to loans | 1.08% | 1.49% |
| Leverage ratio | 8.97% | 9.49% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Tennessee
Largest competitors in Davidson County, TN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/pinnacle-bank-nashville-tn