Pinnacle Bank

Nashville, TN · Cert 35583 · Pinnacle Finl Partners Inc.

State charter, Fed member · FED · 389 branches

Q2 2026

$128.8BAssets

$88.7BLoans

$102.2BDeposits

$14.8BEquity

Loan mix

Deposit mix

NIM

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 21.1% share · #1 of 62 inst. · $22.7B of $107.8B

25.1% Davidson

35.6% Cobb

62.7% Muscogee

8.0% Jefferson

Earnings: ROA of 1.08%, down 10 bps year over year; NIM at 3.09%.
Asset quality: problem loans at 0.48% of loans (+4 bps YoY), with net charge-offs at 0.22%.

Return on Assets (YTD, annualized)

1.08%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+19 bps YoY

Efficiency Ratio (YTD, annualized)

59.16%+502 bps YoY

Tier 1 Leverage Ratio

8.97%-77 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.19%	1.23%	1.25%	1.02%	1.08%	-10 bps
Return on Equity	9.63%	10.00%	10.21%	8.63%	9.24%	-40 bps
Net Interest Margin	2.89%	2.88%	2.86%	3.12%	3.09%	+19 bps
Efficiency Ratio	54.14%	53.74%	53.06%	65.40%	59.16%	+502 bps
Non-Interest Burden	1.14%	1.09%	1.06%	1.92%	1.65%	+52 bps
Growth
Asset Growth (YoY)	11.10%	10.49%	9.81%	126.36%	135.49%	+12,440 bps
Loan Growth (YoY)	9.84%	10.47%	10.01%	135.44%	137.76%	+12,791 bps
Deposit Growth (YoY)	13.22%	11.74%	11.11%	125.91%	125.94%	+11,272 bps
Asset Quality
Nonperforming Loans / Loans	0.43%	0.40%	0.35%	0.55%	0.48%	+4 bps
Net Charge-Offs / Loans	0.18%	0.17%	0.19%	0.23%	0.22%	+4 bps
Allowance / Loans	1.13%	1.14%	1.12%	n/a	n/a	n/a
Allowance Coverage of NPLs	2.6x	2.9x	3.2x	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	9.73%	9.77%	9.39%	8.87%	8.97%	-77 bps
Total Risk-Based Capital	12.45%	12.49%	12.09%	11.83%	11.83%	-62 bps
Equity / Assets	12.30%	12.42%	12.02%	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	82.46%	82.87%	81.99%	84.55%	86.77%	+431 bps
Liquid Assets / Assets	9.71%	10.05%	10.06%	0.00%	0.00%	-971 bps
CRE / Total Capital	n/a	312%	321%	n/a	n/a	n/a