Pinnacle Bank (FDIC #35583): Bank Stress & Real-Estate Credit Exposure
Pinnacle Bank (FDIC Cert #35583): bank stress 64/100, elevated, STABLE over 7 days; parent PINNACLE FINL PARTNERS INC.
Pinnacle Bank (#35583) lends in 142 counties across 9 states; Pinnacle Bank (#35583) reaches 2,367 ZIP codes: Georgia 45 counties, 402 ZIPs; Florida 26 counties, 697 ZIPs; North Carolina 16 counties, 255 ZIPs; Alabama 15 counties, 318 ZIPs; South Carolina 15 counties, 232 ZIPs; Tennessee 14 counties, 225 ZIPs.
Pinnacle Bank (#35583) largest markets: Miami Dade County, FL (486 branches, 81 ZIPs) (#35583), Jefferson County, AL (640 branches, 64 ZIPs) (#35583), Hillsborough County, FL (232 branches, 58 ZIPs) (#35583), Broward County, FL (330 branches, 55 ZIPs) (#35583), Montgomery County, MD (53 branches, 53 ZIPs) (#35583), Palm Beach County, FL (318 branches, 53 ZIPs) (#35583).
Pinnacle Bank (#35583) reports $128.79 billion in total assets; Pinnacle Bank (#35583) equity $14.81 billion (11.5% of Pinnacle Bank (#35583) assets); Pinnacle Bank (#35583) domestic deposits $102.25 billion; Pinnacle Bank (#35583) net income $557.6 million; Pinnacle Bank (#35583) return on assets 1.08%; Pinnacle Bank (#35583) return on equity 9.24%; Pinnacle Bank (#35583) net interest income $1.92 billion; Pinnacle Bank (#35583) call report June 30, 2026.
Pinnacle Bank (#35583) noncurrent real-estate loans 0.05% of its book; Pinnacle Bank (#35583) commercial real estate 0.06%; Pinnacle Bank (#35583) residential 0.04%; Pinnacle Bank (#35583) net charge-offs on real estate 0.57%; Pinnacle Bank (#35583) commercial charge-offs 0.11%; Pinnacle Bank (#35583) multifamily charge-offs 0.72%; Pinnacle Bank (#35583) residential charge-offs 0.62%.
Pinnacle Bank (#35583) net interest margin 4.17% against an eight-quarter Pinnacle Bank (#35583) average of 3.48% (Pinnacle Bank (#35583) compression -0.69 points); Pinnacle Bank (#35583) real-estate loans 4.5% of equity; Pinnacle Bank (#35583) commercial real estate 10.7% of equity; Pinnacle Bank (#35583) non-residential real estate 61.6% of equity; Pinnacle Bank (#35583) rate-exposure score 51/100, Pinnacle Bank (#35583) fixed-rate trap 51/100; Pinnacle Bank (#35583) risk type credit driven; Pinnacle Bank (#35583) rate regime rates elevated, Pinnacle Bank (#35583) snapshot October 19, 2026.
Pinnacle Bank (#35583) stress score moved from 62.1 on June 22, 2026 to 63.6 on October 19, 2026; Pinnacle Bank (#35583) ranged 62.1 to 63.6 over 116 snapshots.
Pinnacle Bank (#35583) alerts: 36 counties; top Pinnacle Bank (#35583) alert scores: Decatur County, TN 53 (elevated); Macon County, TN 45 (moderate); Madison County, TN 43 (moderate); Dickson County, TN 43 (moderate); Monroe County, TN 42 (moderate).