Pinnacle Bank: how it compares with its peers
Against 30 U.S. banks with half to twice its assets, Pinnacle Bank's strongest measure in Q2 2026 is net interest margin (4.17% vs. a 3.29% peer median). Its weakest relative measure is efficiency ratio (59.16% vs. 53.81%).
| Measure | Pinnacle Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.24% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.29% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.16% | 53.81% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.6M | $16.3M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.84% | 82.27% | Context |
What it means for lending operations
Its efficiency ratio of 59.16% is above the 53.81% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- UBS Bank USA, National Association Salt Lake City, UT · $124.44B
- Synchrony Bank Draper, UT · $115.22B
- USAA Federal Savings Bank Phoenix, AZ · $106.19B
- Santander Bank, N.A. Wilmington, DE · $103.96B
- City National Bank Los Angeles, CA · $99.10B
- Western Alliance Bank Phoenix, AZ · $98.57B
Questions about Pinnacle Bank
How big is Pinnacle Bank?
Pinnacle Bank, established in 2000, is headquartered in Nashville, TN. It reported $128.79B in total assets in its Q2 2026 FDIC call report and operates 427 offices.
What is Pinnacle Bank's return on assets?
1.08% annualized in Q2 2026, against a 1.24% median for 30 U.S. banks with half to twice its assets, ahead of 33% of them.
What is Pinnacle Bank's efficiency ratio?
59.16% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 53.81%, and lower is better.
Is Pinnacle Bank growing its loans?
Net loans grew 137.9% over the year to Q2 2026, while deposits grew 125.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.