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Pinnacle Bank
Nashville, TN·FDIC Cert #35583·Charter: STATE·Est. 20001027.0·HC: PINNACLE FINL PARTNERS INC
Total Assets
$57.6B
Q4 2025
Return on Assets
1.25%
+0.02%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.06%
Peer avg: 51.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.25%+0.02
ROE
10.21%+0.21
Efficiency
53.06%-0.68
Equity/Assets
0.00%+0.00
NPL Ratio
0.35%-0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.06%-0.86
Charge-offs
0.21%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 0.8 | 1.0 | 1.0 | 1.1 | 1.2 | 1.2 | 1.3 |
| ROE | 8.6 | 6.3 | 7.6 | 8.2 | 9.2 | 9.6 | 10.0 | 10.2 |
| Efficiency | 53.2 | 55.8 | 54.6 | 54.0 | 54.5 | 54.1 | 53.7 | 53.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.4 | 0.4 | 0.5 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 83.1 | 84.0 | 82.9 | 81.8 | 80.2 | 81.5 | 81.9 | 81.1 |
Balance Sheet
Total Assets$57.6B
Total Deposits$47.9B
Total Loans$38.8B
Total Equity$6.9B
Profitability
ROA1.25%
ROE10.21%
Efficiency Ratio53.06%
Net Income$689.2M
Risk & Asset Quality
NPL Ratio0.35%
Charge-off Rate0.21%
Loan/Deposit81.06%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans