The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 6 points (66 → 60), mostly because the funding & liquidity component weakened by 14 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #35583). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.5% of deposits ($50.7B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.83% (benchmark: 10%).

Check how much of your own balance is covered

Pinnacle Bank lists 377 offices in 230 cities across 9 states. Most locations:

• Nashville, TN (11)
• Atlanta, GA (8)
• Charleston, SC (8)
• Columbus, GA (8)
• Murfreesboro, TN (7)
• Birmingham, AL (6)
• Athens, GA (5)
• Charlotte, NC (5)
• Columbia, SC (5)
• High Point, NC (5)
• Knoxville, TN (5)
• Raleigh, NC (5)

All branch addresses and map

Over the last three years, the CFPB forwarded 747 consumer complaints about PINNACLE FINANCIAL PARTNERS, INC. to the company (721 in the last 12 months). 99.9% received a timely response. That is 7.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Pinnacle Bank reported 8,229 home-loan applications under HMDA (LEI 549300CDOC4F7XSRG390): 5,548 originated ($2,251,200,000 total), 1,273 denied, and 975 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Pinnacle Bank

Former names

Pinnacle National Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

35583

RSSD ID

2925666

Primary regulator

FED

Holding company

Pinnacle Finl Partners Inc

Established

October 27, 2000

Headquarters

21 Platform Way S, Nashville, TN 37203

Website

www.pnfp.com

Employees

8,261