# PINNACLE BANK
NASHVILLE, TN · FDIC certificate 35583 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $128.79B | |
| Deposits | $102.25B | |
| Loans and leases | $88.72B | |
| Total equity | $14.81B | |
| Loans / deposits | 85.84% (p84 of band) | 72.53% |
| Liquid assets / assets | 21.95% (p12 of band) | |
| Uninsured deposits / deposits | 49.54% (p78 of band) | 42.66% |
| Brokered deposits | 11.17% | |
| Wholesale funding | 18.25% (p88 of band) | |
| FHLB advances / assets | 5.71% | |
| Tier 1 leverage | 8.97% (p38 of band) | 9.44% |
| Unrealized securities loss / equity | -3.12% (p91 of band) | -9.97% |
| AOCI / equity | -0.84% (p47 of band) | |
| ROA (annualized) | 1.08% (p34 of band) | 1.18% |
| Net interest margin | 4.17% (p88 of band) | 3.14% |
| Efficiency ratio | 59.16% (p66 of band) | |
| Noncurrent loans | 0.48% (p22 of band) | 0.85% |
| Net charge-offs (annualized) | 0.19% (p44 of band) | |
| Reserve coverage of noncurrent | 225.77% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 39.76% (p100 of band) | |
| Auto loans | $25.6M (0.03% of loans; DQ 7.67%, NCO 0.00%) | |
| Loans to nondepository financials | $8.37B (57% of equity) (p56 of band) | |
| Deposits YoY | 125.9% | |
| Employees | 8261 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2015-09 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | uninsured deposits >50%, run vulnerability | capital falling, charge-offs p90 |
| 2016-12 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | brokered >10% |  |
| 2017-09 | 1 | wholesale funding >15% | brokered >10% |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 | reserve under noncurrent | capital falling |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 1 | capital falling | wholesale funding >15% |
| 2018-12 | 1 | reserve under noncurrent | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | wholesale funding >15% |
| 2020-03 | 1 | wholesale funding >15% |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 3 | brokered >10% |  |
| 2020-12 | 0 |  | wholesale funding >15%, capital falling, brokered >10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling, loans-to-lenders >50% equity | wholesale funding >15% |
| 2026-06 | 3 | wholesale funding >15% | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [Pinnacle Financial Partners adds Ivan Brown as community financial advisor in Chattanooga - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMixAFBVV95cUxOd2RJQTRKTGFiZGpDQk5IdmNBalF2ckVFOVZSYWMxV2VnTjlCcnNRS3RtOXh3TlJ4Ri1HajZtNGhjbzgzOGxYREdUdW1MQnpCZHprWEcyWUZ5RGJYeGNOcHFNZmI5UE1FeDBoQ1VYeFJHMTRZaDk2Q1JlX3NTV05CbGplSVQ2dnlERVNTZFcxNGUxVmY2TndUZU9wU0l4RzREUTFaMGVMQVJKRlAtVVJ2UWI5d29jUzIyTmQ1ZE5ab25SMG9Z?oc=5) · Pinnacle Financial Partners
- 2026-06-02 [Veteran Banking Leader Jay Dale Joins Pinnacle's Local Leadership Team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMixgFBVV95cUxPdjdIRzlQWVl2SFlhTy1Gc1FHcEwwNG93Z1laZFE0UTlnVXZSUlR5UWw2bFVOTUZNLVhmaURYeEwtdEl0WFAwM3BKWUU3YWZLTUs0ZkpWVlpMZTJaRnRUUzFiRHVZMEx1NmphSnN4b2tucHBBUFhFSWpUaGQ4Nm8yV3R3WHRsUmhrYUtDdG93MnVoWVdfS2FkY3c5Mk14Q1g3NUZkTnpFRnRHaDVnaDdBNGlMZThjdnJFakJveUNmZjRBVGxKN0E?oc=5) · Pinnacle Financial Partners
- 2026-04-01 [Pinnacle adds four in Nashville area, including key leaders in music and commercial real estate - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOQXJ5Vzlyc2ZRblRockVyQjl0RzFvdERrMFJ0NXEtZktNQ1I3c1dra0VFb2wweER6QTM3TTQ1RDQ4Um0yd3YwQVZwcWdaWjhvNDVnZWdzZi0xazFlUVdFcnJ2YWR4UFlnaW1QT1ZsR3ZJTGRVa1h6RGQ1UEJPUTc5OFQ5c0dfdEMxTkp0ZEg2NVdxaGdIdV9LNkZKYTNWaWxnN3kzSjNBMlhWZHUzaF9WSXlnWHp4YXlpMU9GQ1U4ZzdGU1NxLXFRZmp0alpwYlRFY1BYQ0JiRmlsa1VWQzJTMmZWbkxxTHc?oc=5) · Pinnacle Financial Partners
- 2026-04-22 [Pinnacle Financial Partners announces opening of new Hixson office - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMipgFBVV95cUxPc29oaFdUckU5YXFpcUo2RkdYMHlQcjBNanFWMW5vYnNXckFqcGVKX3NoQTVmVUxCR2lKRkIxQXlpRE1yd0ZvSnR4Um9obTQ5Z1hCVFdtMUliQWRETzFLVXhyVWoyWjA2d2Fkc1R2a2FlUEdhNW9pOUtybHlINXh6UWZkZTZZSGdRdkU4YWdSUU5CazNVblZYdHNyVG9vMlFpVXIyb0d3?oc=5) · Pinnacle Financial Partners
- 2026-03-19 [Pinnacle Adds Eight Financial Professionals to Jacksonville Team, Includes Former State Banking Presidents - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNdk1oNVlBQWJ0cDNDdVRpUnhjOWNqUkRjMVBIR0VHSEV6WG1jbS1abWJObzdGUGxzV2NCRUNvTGFzMkZ4bGRabUg1dnpCejJSSEVfOV9mUUM0YkFOY0JSaU0zZ1FZTVFscElRSUN0VWgwZVFkcFE3VlE0MXdOMzQ2UlJEbFdwc25paXNmTTVYd1NEamxEaTVhck1QTHdPcEVfN0pzeWNEb2xiOF8xX2RmOUQtNFdTYUFvU1ZFeXBOYXY3MGxEdC1xMFAyTTR0WVowQWNhTmFjSGlxUQ?oc=5) · Pinnacle Financial Partners
- 2026-06-18 [Pinnacle Financial Partners Announces New Corporate Headquarters at Ten Twenty Spring in Midtown Atlanta - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPazJMY3BrOF81RnB3SndoeDk0eHhyejFrYjF3anVHN201cjZDay1SX3M4Rjh4SUhsNkljc0J2aGpta1pzU1ZhYlpXYklRMk11RTExQ1lCOTdUcTlaYkNPbUpVVWRnNDR4NjFZdXFJMFpUTTZMcXVnWFozVFlqLWlqd0Exb3NOUEEtU3FzOVB3TnJ4NVRQVVJGWWprOXByR1p3bV80MGdGQV9zbVRmeFdwOTJ1cnNYUk5icUJKZDdqOThhUmFFRWxxNGhLZ0ppV2xDZENIZ2NwZjQ?oc=5) · Pinnacle Financial Partners
- 2025-12-11 [Pinnacle Bank and Greystar Announce Strategic Partnership to Support Expansion of Pinnacle’s Bridge Lending Program - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMigwJBVV95cUxPZERDY0Q1M1ZwRjhzUkJoa08tTzBoVjRXNjhHS2t4OHVRQjhfeVRaMlByWDFRbmgxdzZLTWJGSWV1RFpvZWdPazFjbnlxYWNSMjV4Ymlmd3dWYi1HeXJBZjJ4WlJSOU5Wa2JPSUFFeVlzNnlWdTRvSWdqX2M0U1BzSnFBUVQ3eDB4OUZPOVJ4MmhrcVhKdVNuZjR6S1J4eVBocjZ4ckpFdnZlV0RvcnlBa3FuVDlWNmlQZkdkbE52S3hZc1YwRzVDcXBsNG15d2RqNmZlUmptLW43aDdIOWJlQ2h3dDhkSGRmeVNjSlhpMHg1VFJKS0dNQk8tVUMyX3hTTEZZ?oc=5) · Pinnacle Financial Partners
- 2025-10-16 [Pinnacle and Synovus Name Local Banking Leaders for Tennessee Markets - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMixgFBVV95cUxQT2J4ZDBjNll4bm5rdmYwSGVNclVlbWZWX2NLVk1lY1VFcjhpalpSei1vRWlmN21Nei1ldVRnTk94TFQyR0tmUzJBMmVpQ1J2SE5YZnY4RmdtZTMtQkx4U0xEVHdTSm4zSTJtUkN0WTJOMmhNdDlMUWs1Ym53UlFVdUtoUmJ4cWtuWHA2UmFuLWpDV2t4Qm1TVTREQjdNeUY3WWw1bmVjbmRIdFRaUDd3V3pkSXFWTzUyeW5Na2gyb2tBMEhLa1E?oc=5) · Pinnacle Financial Partners

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35583 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "35583", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide