Nashville, TN · Cert 35583 · Pinnacle Finl Partners Inc.
State charter, Fed member · FED · 389 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 21.1% share · #1 of 62 inst. · $22.7B of $107.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.26% | 1.13% | 1.24% | 1.33% | 1.31% | 1.02% | 1.04% | -20 bps | |
| Return on Equity | 9.97% | 9.99% | 9.16% | 10.10% | 10.74% | 10.76% | 8.63% | 8.92% | -117 bps | |
| Net Interest Margin | 2.97% | 2.98% | 2.92% | 2.95% | 3.00% | 3.00% | 3.12% | 3.13% | +18 bps | |
| Efficiency Ratio | 52.24% | 52.24% | 54.46% | 53.85% | 53.01% | 51.16% | 65.40% | 53.05% | -80 bps | |
| Non-Interest Burden | 1.08% | 1.11% | 1.16% | 1.14% | 1.06% | 1.04% | 1.92% | 1.44% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.73% | 9.74% | 11.10% | 11.10% | 10.49% | 9.81% | 126.36% | 135.49% | +12,440 bps | |
| Loan Growth (YoY) | 7.52% | 8.82% | 9.07% | 9.84% | 10.47% | 10.01% | 135.44% | 137.76% | +12,791 bps | |
| Deposit Growth (YoY) | 6.93% | 11.18% | 12.96% | 13.22% | 11.74% | 11.11% | 125.91% | 125.94% | +11,272 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.42% | 0.48% | 0.43% | 0.40% | 0.35% | 0.55% | 0.48% | +4 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.23% | 0.15% | 0.20% | 0.18% | 0.28% | 0.23% | 0.22% | +2 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.15% | 1.13% | 1.14% | 1.12% | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | 3.2x | 2.7x | 2.4x | 2.6x | 2.9x | 3.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.85% | 9.78% | 9.73% | 9.73% | 9.77% | 9.39% | 8.87% | 8.97% | -77 bps | |
| Total Risk-Based Capital | 12.65% | 12.52% | 12.45% | 12.45% | 12.49% | 12.09% | 11.83% | 11.83% | -62 bps | |
| Equity / Assets | 12.73% | 12.42% | 12.26% | 12.30% | 12.42% | 12.02% | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.82% | 82.81% | 81.13% | 82.46% | 82.87% | 81.99% | 84.55% | 86.77% | +431 bps | |
| Liquid Assets / Assets | 10.80% | 11.27% | 11.65% | 9.71% | 10.05% | 10.06% | 0.00% | 0.00% | -971 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 312% | 321% | n/a | n/a | n/a | |