Pinnacle Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Pinnacle Bank (FDIC Cert #35583) registers 64/100 on DLRadar's scale — a elevated reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

DLRadar maps Pinnacle Bank into 57 counties (1,094 ZIP codes) across 9 states — a mid-sized, multi-state lending base. Its heaviest exposure sits in North Carolina (16 counties), Tennessee (14 counties), South Carolina (8 counties), Virginia (7 counties). Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. What separates this from a plain credit rating is the geographic weighting — Pinnacle Bank's 64/100 reading reflects not just its balance sheet but the 57 counties it lends into, so the score doubles as a map of where its stress will land first. Because Pinnacle Bank is held under Pinnacle Finl Partners Inc, its financials are open to scrutiny and its trend can be independently checked. At the county level, Pinnacle Bank finances markets like Jefferson County, AL, Montgomery County, MD, Fairfax County, VA, Fulton County, GA — the specific places where its credit posture translates into local lending capacity. The value is in the linkage: Pinnacle Bank's elevated reading is mapped onto 1,094 ZIP codes and 57 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Read against its 57-county reach, a elevated score sets the credit tone for every market on its map. The Pinnacle Bank score updates as fresh FDIC call reports post each quarter, so its 64/100 reading and 57-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Pinnacle Bank is directly comparable to any lender in the country.

For buyers, lender stress is an early map of supply: when Pinnacle Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.