Pinnacle Bank

150 3rd Avenue South
Nashville, TN 37201


General Bank Information

FDIC Insured Yes
FDIC Certificate # 35583
Date Established 2000
Assets $21.68 billion
Loans $15.32 billion
Deposits $15.84 billion
Capital $3.84 billion

Pinnacle Bank is an FDIC insured institution located in Nashville, TN. It was founded in 2000 and has approximately $21.68 billion in assets. Customers can open an account at one of its 51 branches.

For a more detailed analysis of Pinnacle Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Pinnacle Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Tennessee, Pinnacle Bank has a significantly higher percent of Credit Card Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.15
Credit Card Loans 0.24
Consumer Auto Loans 0.67
Small Business Loans 7.39
Construction and Development Loans 12.66
Commercial Real Estate 38.07
Commercial and Industrial Loans 25.63
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.35% $1,000 $249,999 Learn MoreShow Less
6 Mo CD 10K
0.50% $1,000 $249,999 Learn MoreShow Less
12 Mo CD 10K
0.60% $1,000 $249,999 Learn MoreShow Less
18 Mo CD 10K
0.75% $1,000 $249,999 Learn MoreShow Less
24 Mo CD 10K
0.90% $1,000 $249,999 Learn MoreShow Less
30 Mo CD 10K
0.95% $1,000 $249,999 Learn MoreShow Less
36 Mo CD 10K
1.00% $1,000 $249,999 Learn MoreShow Less
48 Mo CD 10K
1.11% $1,000 $249,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.03% $1 - Learn MoreShow Less
Fixed IRA 0K
0.60% $1,000 $249,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.50% $1,000 - Learn MoreShow Less
MM 2.5K
0.03% $1 $4,999 Learn MoreShow Less
MM 10K
0.03% $5,000 $14,999 Learn MoreShow Less
MM 25K
0.03% $15,000 - Learn MoreShow Less
Premium MM 10K
0.05% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.10% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.03% $1 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.03% $2,500 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Pinnacle Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Ally Mortgage
NMLS ID: 181005
4.524% 4.500% 0.00 $786 $1,267 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.275% 4.250% -0.13 $862 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More

Note to Pinnacle Bank
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Pinnacle Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Pinnacle Bank Locations

Financial Details

Pinnacle Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pinnacle Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Pinnacle Bank U.S. Bank Average
2.07% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Pinnacle Bank had $56,677,000 in non-current loans and $24,339,000 in owned real estate. To cover these potential losses it had $3,840,330,000 in equity and $65,159,000 in loans loss reserves. That gives it a Texas Ratio of 2.07%.

Return on Equity
Pinnacle Bank U.S. Bank Average
7.42% 8.84%

Pinnacle Bank has a Return on Equity of 7.42% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Pinnacle Bank U.S. Bank Average
17.72% 12.21%

Pinnacle Bank has a Capitalization of 17.72% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Pinnacle Bank Balance Sheet Analysis

As of September 30, 2017, Pinnacle Bank had assets of $21,676,169,000, loans of $15,320,044,000, and deposits of $15,839,295,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Pinnacle Bank

Branches and Savings

Is Pinnacle Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35583.

Why does Pinnacle Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Pinnacle Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Pinnacle Bank a commercial bank?


Where are Pinnacle Bank locations?

See branch locations nearby.

Is Pinnacle Bank open on Saturdays?

Is Pinnacle Bank open on Sundays?

What time does Pinnacle Bank open?

What time does Pinnacle Bank close?

Are Pinnacle Bank ATMs Open 24/7?

Do Pinnacle Bank ATMs accept cash deposits?

Can Pinnacle Bank customers use other ATMs?

Do Pinnacle Bank branches have notaries?

Will Pinnacle Bank notarize my document?

What address for Pinnacle Bank should I put for incoming ACH transfers?

Will the Pinnacle Bank branch print checks?

Do Pinnacle Bank checks expire?

Does Pinnacle Bank require US citizenship to open account?

Can Pinnacle Bank close my account?

Does Pinnacle Bank Report to credit bureaus?

Does Pinnacle Bank Use Equifax?

What is Pinnacle Bank's ACH Routing Number?

What is Pinnacle Bank's SWIFT code?


Does Pinnacle Bank offer mortgages?

Compare mortgage rates here.

Does Pinnacle Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pinnacle Bank offer personal loans?

Compare personal loan rates here.

Does Pinnacle Bank offer student loans?

Will Pinnacle Bank cash a check?

Will Pinnacle Bank redeem a savings bond?

Does Pinnacle Bank cash savings bonds?

Will Pinnacle Bank cash money orders?

Can Pinnacle Bank issue a money order?

Does Pinnacle Bank do currency exchange?

Background on The Bank

Who owns Pinnacle Bank?

How long has Pinnacle Bank been around?

Can Pinnacle Bank transfer to other banks?

Does Pinnacle Bank have quick pay?

Does Pinnacle Bank accept rolled coins?

Will Pinnacle Bank accept loose change?

Where is Pinnacle Bank headquarters?

Customer Reviews for Pinnacle Bank

  • dionpayne

    June 29, 2017 |


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