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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Pinnacle Bank

Nashville, Tennessee · $128.79B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

0.48%
NPA / loans
1st of 12
+137.8%
Loans, year over year
1st of 12, largest first
0.90%
ROA
11th of 12

Pinnacle Bank is the second largest of the 12 the South Central states banks nearest its size over $10B, with $128.79B in assets at 30 June 2026. Loans are 86.8% of deposits, 4th of 12 against a median of 87.7%, and equity is 11.5% of assets, 8th of 12. Loans grew +137.8% in the year, the fastest in the cohort, and deposits grew 125.9%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.48% of the book, the lowest in the cohort against a median of 0.92%; 0.13% is 30 to 89 days past due, and the allowance covers them 2.3 times. Net charge-offs are 0.22% of loans, 9th of 12. Commercial real estate is 30.8% of loans, 5th of 12 against a median of 36.7%, and 231% of capital, below the 300% screen, with construction at 50% against the 100% screen. CRE has grown +146.7% over 36 months, past the guidance's 50% prong.

Return on assets is 0.90%, 11th of 12 against a median of 1.39%, on an efficiency ratio of 63.1%, 11th of 12. Five years ago it was 1.46%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.92% PB Pinnacle Bank 0.48% CB Centennial Bank 0.55% HW Hancock Whitney Bank 0.57% FH First Horizon Bank 0.83% AB Arvest Bank 0.86% SB Simmons Bank 0.92% BO Bank Ozk 0.92% RB Regions Bank 0.93% RB Renasant Bank 0.96% TB Trustmark Bank 1.14% SB Servisfirst Bank 1.18% F Firstbank 1.40%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% PB Pinnacle Bank +137.8% F Firstbank +30.4% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% RB Regions Bank +2.6% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Pinnacle Bank is the 7th largest 7(a) lender into Georgia of 409, with $618M across 592 loans, 3.1% of everything approved in the state (Metro City Bank leads with $1.91B). 163 of its 370 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Mecklenburg, NC$172M3rd of 1778.5%-0.2 pts
Davidson, TN$114M1st of 16412.6%-3.0 pts
Shelby, TN$103M1st of 13913.2%-1.5 pts
Duval, FL$83M1st of 1716.2%-0.2 pts
Charleston, SC$71M1st of 11210.8%-3.6 pts
Fulton, GA$64M15th of 2112.0%+1.1 pts
Williamson, TN$60M1st of 11212.2%-7.7 pts
Pinellas, FL$54M6th of 1713.2%-0.8 pts
Greenville, SC$53M5th of 1257.0%-1.6 pts
Hillsborough, FL$52M11th of 1952.4%-0.9 pts
Gwinnett, GA$52M13th of 1692.2%-0.9 pts
Cobb, GA$48M7th of 1822.8%-1.5 pts
Wake, NC$47M8th of 1812.7%-1.9 pts
357 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services538$445M14.6%0.58%45th of 2,596
Retail trade437$398M13.1%0.65%29th of 2,589
Health care & social assistance303$310M10.2%0.65%27th of 2,172
Manufacturing265$310M10.2%0.78%23rd of 2,246
Wholesale trade195$271M8.9%1.05%20th of 1,651
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Pinnacle Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Pinnacle BankRankCohort median
Total CRE against capital, the 300% screen231%5th of 12247%
Construction against capital, the 100% screen50%4th of 1265%
Construction and land development, share of loans6.6%4th of 129.4%
Non-owner-occupied nonfarm nonresidential, share of loans18.7%6th of 1220.9%
Total CRE, the guidance definition, share of loans30.8%5th of 1236.7%
CRE growth over 36 months, the third prong+146.7%12th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Regions Bank$159.79B1.4%56.2%0.93%0.46%1.5%75.7%11.2%
Pinnacle Bank$128.79B0.9%63.1%0.48%0.22%1.1%86.8%11.5%
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Pinnacle BankCohort median
20212026Change20212026Change
Loans$22.98B$88.72B+286%$12.87B$19.95B+55%
Deposits$28.49B$102.25B+259%$19.62B$23.38B+19%
NPA / loans0.24%0.48%+0.24 pts0.61%0.92%+0.31 pts
Efficiency48.8%63.1%+14.3 pts60.0%55.8%-4.2 pts
ROA1.46%0.90%-0.56 pts1.53%1.39%-0.14 pts

This read was prepared for Pinnacle Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Pinnacle Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.pnfp.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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