Pinnacle Bank
Nashville, TN · Cert 35583 · Peer group: banks over $10B in assets (n=142-144) · Pinnacle Finl Partners Inc.
State charter, Fed member · FED · 389 branches
Q2 2026
$128.8BAssets
$88.7BLoans
$102.2BDeposits
$14.8BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of banks over $10B in assets (rank 37 of 142).
- Widest gap: total risk-based capital ratio trails 97% of banks over $10B in assets (rank 140 of 144).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.87%
Rank 127 of 144
Net Interest Margin
2.98%
Rank 97 of 144
Efficiency Ratio
63.07%
Rank 113 of 144
Equity / Assets
11.50%
Rank 68 of 144
Non-interest income vs. expense
Unfavorable gap of $2.1B · efficiency ratio beats 22% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 1.00% | 1.26% | 1.54% | Beats 12% | 127 / 144 | |
| Return on Equity | 7.53% | 8.98% | 11.34% | 14.40% | Beats 15% | 123 / 144 | |
| Net Interest Margin | 2.98% | 2.82% | 3.31% | 3.68% | Beats 33% | 97 / 144 | |
| Efficiency Ratio | 63.07% | 49.42% | 56.02% | 62.41% | Beats 22% | 113 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.48% | 0.73% | 1.07% | Beats 75% | 37 / 142 | |
| Net Charge-Offs / Loans | 0.13% | 0.05% | 0.11% | 0.22% | Beats 45% | 79 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 10.73% | 12.07% | 12.98% | 14.92% | Beats 3% | 140 / 144 | |
| Total Risk-Based Capital Ratio | 11.83% | 13.39% | 14.14% | 16.25% | Beats 3% | 140 / 144 | |
| Equity / Assets | 11.50% | 9.69% | 11.39% | 12.96% | Beats 53% | 68 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 86.77% | 75.72% | 84.92% | 91.56% | 53rd pctl | 67 / 143 | |
| Loans / Assets | 68.89% | 59.83% | 69.07% | 74.80% | 47th pctl | 77 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |