FDIC Cert #35583 · Nashville, Tennessee · Est. 2000

Pinnacle Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$57.6B
Total assets
A
Health grade · Excellent
1.25%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

Pinnacle Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.13% Tier 1, profitable at 1.25% ROA, efficient (53% cost ratio).

#47
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
11.13%
Tier 1 ratio - above the 10% well-capitalized line
61st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 35583 · TN A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1910/4307
  • PHOTO-FINISH American Bank & Trus… · KY
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-STRONG 1.25% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: American Bank & Trust Company, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Pinnacle Bank

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank & Trus… · KY ·…80/100American Community B… · IL ·…80/100First Capital Bank · SC · ne…80/100Mission Bank · CA · near80/100Pinnacle Bank · TN · this ba…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pinnacle Bank · July 2026

What Pinnacle Bank's Call Report plate shows

Pinnacle Bank (FDIC Cert #35583) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,910 of 4,307. Tier 1 capital prints at 11.13%, clearing the 10% well-capitalized line. The Texas Ratio is 1.85%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.25%. Balance-sheet scale is $57.6B, 47th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Bank & Trust Company, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Pinnacle Bank

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Pinnacle Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Pinnacle Bank remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Pinnacle Bank's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Pinnacle Bank's composite health score
Tier 1 Capital Ratio (11.13%) 28/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (1.85%) 20/20
Efficiency Ratio (53.06%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$57.6B

Total balance-sheet footings

Total Deposits

$47.9B

Customer-funded liabilities

Net Loans

$38.8B

Outstanding loan book

Net Income

$689M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.73% 11.13% 12.53%
Basel III capital ratios - Pinnacle Bank

Where Pinnacle Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pinnacle Bank's score of 80/100 falls in the highlighted band.

Pinnacle Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 44% higher than 56% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Pinnacle Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Pinnacle Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pinnacle Bank's $57.6B falls in the highlighted band.

Safety ratios for Pinnacle Bank

Tier 1 capital ratio
Well-capitalized 10%

11.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.13%
Texas Ratio
1.85%
Equity Capital
$6.9B

What these ratios mean →

Earnings posture at Pinnacle Bank

Return on Assets (ROA)
61st percentile nationally
1.25%
Return on Equity (ROE)
10.21%
Efficiency Ratio
53.06%

What these mean →

Income & expense at Pinnacle Bank

$2.8B
Interest Income
$506M
Non-Interest Income
$1.1B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Pinnacle Bank reports a Texas Ratio of 1.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Pinnacle Bank on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Pinnacle Bank by assets

Measured strictly by total assets rather than geography, Pinnacle Bank's closest national peers include Banco Popular de Puerto Rico, Bank of China, Frost Bank, BOKF, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Tennessee. Averaged across this asset-matched cohort, return on assets runs 1.00% (Pinnacle Bank is above that at 1.25%), the efficiency ratio averages 46.23% (Pinnacle Bank runs higher at 53.06%), and Tier 1 capital averages 11.94% (Pinnacle Bank holds less at 11.13%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $57.6B in assets, Pinnacle Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Pinnacle Bank nationally by total assets
  1. 1
    Banco Popular de Puerto Rico $59.8B

    San Juan, PR · Grade A

  2. 2
    Bank of China $61.9B

    New York, NY · Grade F

  3. 3
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  4. 4
    BOKF $52.0B

    Tulsa, OK · Grade A

  5. 5
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  6. 6
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Pinnacle Bank (this bank) TN $57.6B 1.25% 53.06% 11.13%
Banco Popular de Puerto Rico PR $59.8B 1.17% 59.89% 15.59%
Bank of China NY $61.9B 0.00% 0.00% 0.00%
Frost Bank TX $53.1B 1.26% 62.53% 14.33%
BOKF, National Association OK $52.0B 1.10% 64.16% 12.02%
CIBC Bank USA IL $64.0B 1.47% 37.10% 17.22%
Valley National Bank NJ $64.1B 0.99% 53.71% 12.46%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($57.6B here), outside Tennessee so the neighborhood is not state containment.

Banco Popular de Puerto Rico $59.8B · PR Bank of China $61.9B · NY Frost Bank $53.1B · TX BOKF $52.0B · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pinnacle Bank (FDIC Cert #35583) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Pinnacle Bank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%
Commercial BankHarrogate $2.3B A 1.77%