Pinnacle Bank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300CDOC4F7XSRG390

Tax ID: 62-1829917

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Mortgage Data

Bank Data

Review & Overview

Pinnacle Bank is a small bank specializing in Home Purchase loans. Pinnacle Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Memphis, Knoxville, Chattanooga, and Charlotte among others. We have data for 177 markets. (Some data included below & more in-depth data is available with an active subscription.)

Pinnacle Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Pinnacle Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.50% 3/28/24
30 Year Conventional Purchase 6.50% 3/28/24
30 Year Conventional Refi 6.39% 3/28/24
30 Year Cash-out Refi 6.61% 3/28/24
30 Year FHA Purchase 7.05% 3/28/24
30 Year VA Purchase 6.19% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 6.62% 3/28/24
30 Year USDA Refi 6.68% 3/28/24
15 Year Conventional Purchase 5.92% 3/28/24
15 Year Conventional Refi 6.01% 3/28/24
15 Year Cash-out Refi 6.01% 3/28/24
15 Year VA Purchase 5.68% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Pinnacle Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Pinnacle Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

8,032

Origination Dollar Volume (All Markets)

$2,332,710,000

Employee count

2,297 Show all (21) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2,876 $810,830,000 $281,930 $3,716 4.86%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1,371 $328,625,000 $239,697 $4,405 4.70%
KNOXVILLE, TN (FHA|USDA|VA) 608 $145,220,000 $238,849 $4,348 4.79%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 441 $139,095,000 $315,408 $3,696 4.94%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 456 $122,530,000 $268,706 $3,865 4.58%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 215 $91,025,000 $423,372 $3,473 4.73%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 244 $56,270,000 $230,615 $2,982 4.94%
WINSTON-SALEM, NC (FHA|USDA|VA) 263 $44,495,000 $169,183 $2,790 4.79%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 63 $39,815,000 $631,984 $3,968 4.96%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 129 $37,055,000 $287,248 $2,902 4.60%
RALEIGH-CARY, NC (FHA|USDA|VA) 142 $32,660,000 $230,000 $3,750 4.62%
ROANOKE, VA (FHA|USDA|VA) 120 $30,930,000 $257,750 $3,684 4.67%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 149 $29,375,000 $197,148 $3,380 4.82%
RICHMOND, VA (FHA|USDA|VA) 2 $27,890,000 $13,945,000 $0 5.04%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 15 $25,125,000 $1,675,000 $4,178 4.64%
Outside of Metro Areas 105 $24,155,000 $230,048 $3,475 4.76%
GREENVILLE, NC (FHA|USDA|VA) 5 $24,145,000 $4,829,000 $2,847 5.33%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 76 $17,730,000 $233,289 $3,154 4.88%
ASHEVILLE, NC (FHA|USDA|VA) 36 $15,590,000 $433,056 $3,796 4.67%
MADISON, WI (FHA|USDA|VA) 2 $12,810,000 $6,405,000 $0 4.81%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $12,565,000 $1,795,000 $4,410 4.84%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 25 $11,685,000 $467,400 $4,090 4.80%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $10,080,000 $2,520,000 $2,985 4.73%
LOUISVILLE, KY (FHA|USDA|VA) 6 $10,020,000 $1,670,000 $4,046 4.68%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $9,500,000 $1,583,333 $2,883 4.57%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $9,290,000 $929,000 $3,182 5.04%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 13 $8,405,000 $646,538 $2,599 4.68%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $8,235,000 $633,462 $4,012 4.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 25 $7,635,000 $305,400 $4,314 4.87%
CLEVELAND, TN (FHA|USDA|VA) 35 $7,605,000 $217,286 $4,354 5.15%
Sevierville, TN (FHA|USDA|VA) 28 $7,140,000 $255,000 $3,943 5.37%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $6,595,000 $1,319,000 $0 4.84%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 14 $6,520,000 $465,714 $4,778 4.63%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $5,700,000 $1,425,000 $3,354 4.67%
Albemarle, NC (FHA|USDA|VA) 58 $5,690,000 $98,103 $2,584 4.73%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $4,920,000 $1,230,000 $6,922 4.38%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $4,805,000 $4,805,000 $10,220 4.13%
WILMINGTON, NC (FHA|USDA|VA) 18 $4,320,000 $240,000 $4,134 4.62%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $4,250,000 $2,125,000 $2,318 4.77%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $4,155,000 $1,385,000 $0 4.66%
Shelbyville, TN (FHA|USDA|VA) 26 $4,140,000 $159,231 $3,795 4.75%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 16 $4,020,000 $251,250 $3,325 4.76%
SAVANNAH, GA (FHA|USDA|VA) 8 $3,860,000 $482,500 $4,433 4.71%
Morehead City, NC (FHA|USDA|VA) 8 $3,790,000 $473,750 $4,583 4.78%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $3,525,000 $1,175,000 $3,827 5.06%
BRUNSWICK, GA (FHA|USDA|VA) 4 $3,500,000 $875,000 $5,489 4.04%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $3,140,000 $785,000 $6,117 4.48%
Tullahoma-Manchester, TN (FHA|USDA|VA) 14 $3,140,000 $224,286 $3,210 5.01%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $3,050,000 $762,500 $2,311 5.15%
BURLINGTON, NC (FHA|USDA|VA) 20 $3,050,000 $152,500 $2,838 4.29%
MORRISTOWN, TN (FHA|USDA|VA) 16 $2,990,000 $186,875 $3,696 4.62%
Lewisburg, TN (FHA|USDA|VA) 13 $2,815,000 $216,538 $4,175 4.83%
DULUTH, MN-WI (FHA|USDA|VA) 1 $2,815,000 $2,815,000 $0 5.12%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $2,560,000 $426,667 $3,186 4.64%
NILES, MI (FHA|USDA|VA) 1 $2,545,000 $2,545,000 $0 5.03%
EL PASO, TX (FHA|USDA|VA) 1 $2,505,000 $2,505,000 $0 5.01%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $2,465,000 $273,889 $3,490 4.49%
OCALA, FL (FHA|USDA|VA) 2 $2,460,000 $1,230,000 $0 4.92%
SPARTANBURG, SC (FHA|USDA|VA) 19 $2,455,000 $129,211 $4,152 4.43%
Seneca, SC (FHA|USDA|VA) 8 $2,230,000 $278,750 $4,322 4.64%
COLUMBUS, OH (FHA|USDA|VA) 3 $2,205,000 $735,000 $2,548 4.63%
Georgetown, SC (FHA|USDA|VA) 6 $2,130,000 $355,000 $3,329 4.29%
JACKSONVILLE, FL (FHA|USDA|VA) 7 $1,955,000 $279,286 $5,563 4.79%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $1,790,000 $895,000 $0 4.58%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 12 $1,770,000 $147,500 $4,000 4.83%
Key West, FL (FHA|USDA|VA) 2 $1,700,000 $850,000 $13,931 4.63%
Boone, NC (FHA|USDA|VA) 7 $1,695,000 $242,143 $2,783 5.05%
Oxford, MS (FHA|USDA|VA) 7 $1,655,000 $236,429 $3,386 4.89%
BOWLING GREEN, KY (FHA|USDA|VA) 7 $1,615,000 $230,714 $3,342 4.54%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $1,610,000 $805,000 $3,596 4.75%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $1,545,000 $1,545,000 $0 4.77%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $1,535,000 $511,667 $2,352 4.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $1,495,000 $498,333 $5,656 4.54%
Glenwood Springs, CO (FHA|USDA|VA) 1 $1,485,000 $1,485,000 $0 5.30%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,480,000 $370,000 $2,964 5.06%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,405,000 $281,000 $9,889 4.90%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $4,353 4.13%
DALTON, GA (FHA|USDA|VA) 6 $1,400,000 $233,333 $4,727 4.99%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $1,325,000 $441,667 $4,522 4.79%
Athens, TN (FHA|USDA|VA) 9 $1,295,000 $143,889 $3,520 4.54%
LYNCHBURG, VA (FHA|USDA|VA) 7 $1,245,000 $177,857 $3,061 5.13%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $1,185,000 $1,185,000 $14,541 4.25%
Cookeville, TN (FHA|USDA|VA) 6 $960,000 $160,000 $3,305 4.85%
SUMTER, SC (FHA|USDA|VA) 2 $950,000 $475,000 $6,140 4.88%
GAINESVILLE, FL (FHA|USDA|VA) 2 $940,000 $470,000 $6,776 5.19%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $940,000 $470,000 $4,063 4.69%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $910,000 $227,500 $3,989 4.84%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $875,000 $175,000 $2,398 3.96%
Brevard, NC (FHA|USDA|VA) 4 $860,000 $215,000 $3,409 4.62%
Greeneville, TN (FHA|USDA|VA) 3 $825,000 $275,000 $2,652 4.92%
Heber, UT (FHA|USDA|VA) 1 $785,000 $785,000 $11,390 4.50%
Jackson, WY-ID (FHA|USDA|VA) 1 $755,000 $755,000 $0 5.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $755,000 $755,000 $7,259 4.25%
COLUMBIA, SC (FHA|USDA|VA) 3 $695,000 $231,667 $3,538 4.82%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $675,000 $225,000 $2,348 4.86%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $640,000 $320,000 $2,274 3.79%
Forest City, NC (FHA|USDA|VA) 1 $605,000 $605,000 $3,385 4.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $585,000 $585,000 $23,921 4.50%
Lawrenceburg, TN (FHA|USDA|VA) 3 $565,000 $188,333 $3,642 5.08%
JACKSON, TN (FHA|USDA|VA) 4 $520,000 $130,000 $2,465 4.56%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $510,000 $255,000 $2,507 4.06%
PITTSBURGH, PA (FHA|USDA|VA) 1 $495,000 $495,000 $0 5.75%
CHARLESTON, WV (FHA|USDA|VA) 1 $475,000 $475,000 $3,260 3.95%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $470,000 $235,000 $2,979 5.56%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $455,000 $455,000 $5,007 4.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $445,000 $445,000 $0 4.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $430,000 $215,000 $2,761 4.19%
Dayton, TN (FHA|USDA|VA) 2 $400,000 $200,000 $5,008 4.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $400,000 $200,000 $2,311 4.44%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $395,000 $395,000 $1,954 4.13%
Marion, NC (FHA|USDA|VA) 3 $365,000 $121,667 $2,773 4.33%
NEW BERN, NC (FHA|USDA|VA) 1 $355,000 $355,000 $8,753 3.88%
McMinnville, TN (FHA|USDA|VA) 4 $350,000 $87,500 $4,241 4.63%
Greenwood, MS (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.50%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $345,000 $345,000 $2,445 4.63%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $335,000 $335,000 $2,462 4.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $330,000 $165,000 $2,090 4.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $330,000 $165,000 $2,674 4.63%
DOTHAN, AL (FHA|USDA|VA) 1 $325,000 $325,000 $2,584 5.00%
Lumberton, NC (FHA|USDA|VA) 1 $325,000 $325,000 $4,661 4.25%
Corinth, MS (FHA|USDA|VA) 3 $325,000 $108,333 $2,858 5.17%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $315,000 $105,000 $4,323 4.79%
MONTGOMERY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.75%
Cullowhee, NC (FHA|USDA|VA) 2 $310,000 $155,000 $3,213 4.50%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $310,000 $155,000 $2,921 5.19%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,013 5.13%
GAINESVILLE, GA (FHA|USDA|VA) 1 $305,000 $305,000 $10,356 5.00%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,745 4.75%
BILLINGS, MT (FHA|USDA|VA) 1 $295,000 $295,000 $1,779 4.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $285,000 $95,000 $2,528 5.02%
Calhoun, GA (FHA|USDA|VA) 1 $285,000 $285,000 $9,417 4.50%
Mountain Home, AR (FHA|USDA|VA) 2 $270,000 $135,000 $2,457 4.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $265,000 $265,000 $8,527 4.38%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $265,000 $265,000 $6,990 4.88%
Paris, TN (FHA|USDA|VA) 2 $260,000 $130,000 $3,843 4.63%
PROVO-OREM, UT (FHA|USDA|VA) 1 $255,000 $255,000 $2,672 4.50%
Scottsboro, AL (FHA|USDA|VA) 1 $255,000 $255,000 $6,692 4.63%
THE VILLAGES, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,549 4.63%
Brownsville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.25%
Albertville, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,892 3.63%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,660 5.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $225,000 $225,000 $7,339 3.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $225,000 $225,000 $5,465 4.75%
WICHITA, KS (FHA|USDA|VA) 1 $215,000 $215,000 $2,530 4.75%
BANGOR, ME (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.75%
Searcy, AR (FHA|USDA|VA) 2 $200,000 $100,000 $2,824 4.94%
Del Rio, TX (FHA|USDA|VA) 1 $185,000 $185,000 $3,387 5.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $175,000 $175,000 $2,509 5.13%
Campbellsville, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,552 4.50%
Wilson, NC (FHA|USDA|VA) 2 $170,000 $85,000 $2,857 4.69%
Tupelo, MS (FHA|USDA|VA) 1 $165,000 $165,000 $1,954 3.63%
Thomasville, GA (FHA|USDA|VA) 1 $165,000 $165,000 $5,886 4.25%
MONROE, LA (FHA|USDA|VA) 1 $165,000 $165,000 $2,683 4.63%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,888 4.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,512 4.50%
HATTIESBURG, MS (FHA|USDA|VA) 1 $155,000 $155,000 $5,603 4.50%
JONESBORO, AR (FHA|USDA|VA) 1 $145,000 $145,000 $4,667 4.50%
Rockingham, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,995 4.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,151 5.25%
MOBILE, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,697 5.13%
Rolla, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,075 4.38%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.50%
Jefferson, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,437 4.63%
Fort Payne, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
Opelousas, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
Richmond-Berea, KY (FHA|USDA|VA) 1 $105,000 $105,000 $1,874 5.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.50%
Shelby, NC (FHA|USDA|VA) 2 $90,000 $45,000 $0 5.13%
Dyersburg, TN (FHA|USDA|VA) 1 $75,000 $75,000 $2,421 4.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $75,000 $75,000 $2,937 4.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
FLORENCE, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
Greenwood, SC (FHA|USDA|VA) 1 $45,000 $45,000 $2,520 6.00%
Bennington, VT (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.75%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.50%
Pinnacle Bank's top markets include Nashville, Memphis, Knoxville, Chattanooga, and Charlotte among others.

Their top states include:
  • Tennessee (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,544 $1,723,990,000 $379,399 $3,274 4.69%
    HELOC 2,466 $395,010,000 $160,182 n/a 5.10%
    FHA 641 $123,275,000 $192,317 $6,446 4.47%
    VA 256 $70,490,000 $275,352 $6,812 4.43%
    USDA 125 $19,945,000 $159,560 $4,357 4.58%

    For 2018, Pinnacle Bank's most frequently originated type of loan was Conventional, with 4,544 originations. Their 2nd most popular type was HELOC, with 2,466 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,430 $1,461,600,000 $329,932 $4,019 4.68%
    Other 1,204 $175,680,000 $145,914 $2,944 5.03%
    Refi 1,110 $429,660,000 $387,081 $3,802 4.67%
    Home Improvement 675 $79,985,000 $118,496 $2,797 5.32%
    Cash Out Refi 611 $181,165,000 $296,506 $3,259 4.73%
    NA 2 $4,620,000 $2,310,000 $0 4.44%

    For 2018, Pinnacle Bank's most frequently cited loan purpose was Home Purchase, with 4,430 originations. The 2nd most popular reason was Other, with 1,204 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,432 $1,295,410,000 $292,286 $4,000 4.62%
    20 Year 2,225 $377,385,000 $169,611 $2,947 5.27%
    15 Year 661 $136,085,000 $205,877 $3,115 3.82%
    5 Year 305 $239,935,000 $786,672 $1,300 5.25%
    1 Year 113 $33,535,000 $296,770 $0 5.45%
    3 Year 110 $77,440,000 $704,000 $0 5.30%
    Other 98 $102,520,000 $1,046,122 $2,395 5.27%
    10 Year 88 $70,400,000 $800,000 $2,505 4.61%

    For 2018, Pinnacle Bank's most frequently cited loan duration was 30 Year, with 4,432 originations. The 2nd most popular length was 20 Year, with 2,225 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,945 $1,128,285,000 $286,004
    $1k-2k 559 $126,735,000 $226,717
    $2k-3k 227 $53,825,000 $237,115
    $3k-4k 126 $39,630,000 $314,524
    $5k+ 62 $48,430,000 $781,129
    $4k-5k 54 $26,270,000 $486,481

    Pinnacle Bank's average total fees were $4,000, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,945 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 4,762 $1,524,440,000 $320,126
    5-6% 2,130 $493,560,000 $231,718
    3-4% 714 $265,530,000 $371,891
    6-7% 205 $22,765,000 $111,049
    2.5-3% 204 $23,410,000 $114,755
    7-8% 12 $730,000 $60,833
    <2.5% 4 $2,190,000 $547,500

    During 2018, Pinnacle Bank's average interest rate for loans was 4.62%, while their most frequently originated rate bucket for loans was 4-5%, with 4,762 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,530 $698,860,000 $276,229 $4,139 4.67%
    $100k-200k 2,411 $352,445,000 $146,182 $3,440 4.76%
    $100,000 or less 1,825 $107,005,000 $58,633 $2,741 5.11%
    $400k-600k 687 $325,595,000 $473,937 $4,159 4.63%
    $600k-1MM 351 $264,945,000 $754,829 $5,209 4.59%
    $1MM+ 228 $583,860,000 $2,560,789 $6,288 4.64%

    2018 saw Pinnacle Bank place emphasis on $200k-400k loans with 2,530 originations, totaling $698,860,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,445 $327,645,000 $226,744 $3,787 4.80%
    $50k-75k 1,323 $224,855,000 $169,958 $3,947 4.70%
    $150k-250k 1,265 $340,995,000 $269,561 $3,567 4.85%
    $250k+ 1,170 $568,480,000 $485,880 $4,430 4.75%
    $50k or less 1,165 $151,605,000 $130,133 $3,698 4.68%
    $75k-100k 1,042 $202,200,000 $194,050 $4,118 4.79%

    Pinnacle Bank lent most frequently to those with incomes in the $100k-150k range, with 1,445 originations. The second most popular income band? $50k-75k, with 1,323 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,684 $391,020,000 $232,197 $3,401 4.75%
    30-36% 1,299 $325,475,000 $250,558 $3,714 4.78%
    <20% 981 $253,725,000 $258,639 $3,417 4.78%
    44% 318 $67,200,000 $211,321 $4,120 4.91%
    40% 294 $73,560,000 $250,204 $4,855 4.74%
    41% 288 $73,340,000 $254,653 $3,888 4.77%
    39% 282 $69,670,000 $247,057 $3,723 4.79%
    42% 273 $69,105,000 $253,132 $3,947 4.74%
    38% 273 $66,555,000 $243,791 $3,768 4.74%
    43% 263 $61,045,000 $232,110 $4,164 4.82%
    50-60% 242 $57,470,000 $237,479 $6,372 4.66%
    37% 230 $48,150,000 $209,348 $3,689 4.80%
    36% 228 $61,750,000 $270,833 $4,010 4.75%
    49% 193 $49,185,000 $254,845 $4,125 4.68%
    45% 190 $41,730,000 $219,632 $3,918 4.75%
    48% 155 $40,205,000 $259,387 $4,347 4.67%
    46% 149 $34,415,000 $230,973 $4,043 4.64%
    47% 143 $33,295,000 $232,832 $4,180 4.70%
    >60% 52 $17,000,000 $326,923 $3,871 5.07%

    Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 1,684 originations. The next most common DTI ratio? 30-36%, with 1,299 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,058 $1,498,220,000 $247,313 $3,838 4.76%
    Not applicable 436 $483,460,000 $1,108,853 $0 5.18%
    Not provided 822 $192,290,000 $233,929 $3,797 4.90%
    Black 499 $104,975,000 $210,371 $4,549 4.67%
    Asian 178 $44,930,000 $252,416 $3,611 4.68%
    American Indian 16 $3,190,000 $199,375 $3,617 4.73%
    Asian Indian 7 $1,965,000 $280,714 $2,906 5.14%
    Native Hawaiian or Islander 7 $1,625,000 $232,143 $3,872 4.53%
    Other Asian 4 $1,070,000 $267,500 $4,211 4.91%
    Other Pacific Islander 2 $510,000 $255,000 $3,478 3.93%
    Chinese 1 $355,000 $355,000 $0 6.00%
    Guamanian 1 $75,000 $75,000 $0 5.25%
    Vietnamese 1 $45,000 $45,000 $1,940 5.25%

    Approval Rates

    Total approvals of all applications
    92.10%

    Pinnacle Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.03%

    Pinnacle Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 8,032 $2,332,710,000 $290,427

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 5 $1,995,000 $399,000
    Multifamily:Site-Built 129 $378,565,000 $2,934,612
    Single Family (1-4 Units):Manufactured 20 $3,220,000 $161,000
    Single Family (1-4 Units):Site-Built 7,878 $1,948,930,000 $247,389

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,008 $152,310,000 $151,101 $3,765 4.90%
    40-60% 724 $304,940,000 $421,188 $2,959 4.69%
    60-80% 2,065 $822,695,000 $398,400 $3,172 4.83%
    80-100% 3,105 $909,635,000 $292,958 $4,241 4.62%
    Over 100% 103 $62,605,000 $607,816 $10,804 4.67%
    Under 20% 1,022 $79,330,000 $77,622 $2,452 5.20%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PINNACLE FINANCIAL PARTNERS, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    PINNACLE FINANCIAL PARTNERS, INC. Conventional home mortgage Struggling to pay mortgage 1 33.3%
    PINNACLE FINANCIAL PARTNERS, INC. Other type of mortgage Trouble during payment process 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Pinnacle Bank 102 South Street Locust, NC 28097 Full Service B&M $89,767
    Pinnacle Bank 3515 Glenwood Ave Raleigh, NC 27612 Full Service B&M $113,960
    Pinnacle Bank 10 Church Street Cleveland, TN 37311 Full Service B&M $102,305
    Pinnacle Bank 1000 William Hilton Parkway Hilton Head Island, SC 29928 Full Service B&M $60,337
    Pinnacle Bank 1003 Hardy Road Vinton, VA 24179 Full Service B&M $32,425
    Pinnacle Bank 1028 Eastchester Dr High Point, NC 27262 Full Service B&M $38,911
    Pinnacle Bank 103 North Second Street Albemarle, NC 28001 Full Service B&M $129,544
    Pinnacle Bank 108 Gateway Boulevard, Suite 101 Mooresville, NC 28117 Full Service B&M $92,133
    Pinnacle Bank 1111 Northshore Dr. Ste S130 Knoxville, TN 37919 Full Service B&M $984,342
    Pinnacle Bank 113 Trindale Road Archdale, NC 27263 Full Service B&M $69,934
    Pinnacle Bank 114 West College Street Murfreesboro, TN 37130 Full Service B&M $687,001
    Pinnacle Bank 11400 Lebanon Road Mount Juliet, TN 37122 Limited, Drive-thru $0
    Pinnacle Bank 115 E Center St Lexington, NC 27292 Full Service B&M $94,088
    Pinnacle Bank 1203 Martin Luther King, Jr. Blvd Chapel Hill, NC 27514 Full Service B&M $33,977
    Pinnacle Bank 123 Cason Lane Murfreesboro, TN 37128 Full Service B&M $80,396
    Pinnacle Bank 1264 Germantown Road Germantown, TN 38138 Full Service B&M $60,227
    Pinnacle Bank 128 Franklin Road Brentwood, TN 37027 Full Service B&M $332,216
    Pinnacle Bank 1300 East Hartley Drive High Point, NC 27265 Limited, Administrative $0
    Pinnacle Bank 1327 Grandin Road Roanoke, VA 24015 Full Service B&M $19,278
    Pinnacle Bank 134 Meeting Street, Suite 201 Charleston, SC 29401 Full Service B&M $102,260
    Pinnacle Bank 1412 West Baddour Parkway Lebanon, TN 37087 Full Service B&M $26,914
    Pinnacle Bank 1420 East Third Street Charlotte, NC 28204 Full Service B&M $153,108
    Pinnacle Bank 1431 New Garden Road Greensboro, NC 27410 Full Service B&M $33,232
    Pinnacle Bank 150 3rd Avenue South Nashville, TN 37201 Full Service B&M $5,081,571
    Pinnacle Bank 15025 Ballancroft Pkwy Charlotte, NC 28277 Full Service B&M $7,979
    Pinnacle Bank 1503 Old Towne Road Charleston, SC 29407 Full Service B&M $104,105
    Pinnacle Bank 1518 Hershberger Road Roanoke, VA 24012 Full Service B&M $29,755
    Pinnacle Bank 1520 East Emory Road Knoxville, TN 37938 Full Service B&M $30,108
    Pinnacle Bank 1645 Northwest Broad Street Murfreesboro, TN 37129 Full Service B&M $10,750
    Pinnacle Bank 1700 Dickerson Blvd Monroe, NC 28110 Full Service B&M $45,968
    Pinnacle Bank 1717 Mallory Lane Brentwood, TN 37027 Full Service B&M $139,552
    Pinnacle Bank 1745 Memorial Blvd Murfreesboro, TN 37129 Full Service B&M $43,536
    Pinnacle Bank 175 North Fayetteville Street Asheboro, NC 27203 Full Service B&M $124,898
    Pinnacle Bank 1810 North Peace Haven Road Winston Salem, NC 27104 Full Service B&M $38,373
    Pinnacle Bank 1813 Westchester Drive High Point, NC 27262 Full Service B&M $75,144
    Pinnacle Bank 1999 Hendersonville Road Asheville, NC 28803 Full Service B&M $45,564
    Pinnacle Bank 203 N. Main Street Summerville, SC 29483 Full Service B&M $32,809
    Pinnacle Bank 2035 Se Broad Murfreesboro, TN 37130 Full Service B&M $63,762
    Pinnacle Bank 207 East Main Street Jamestown, NC 27282 Full Service B&M $40,101
    Pinnacle Bank 209 Tenth Avenue South, Suite 250 Nashville, TN 37203 Full Service B&M $32,438
    Pinnacle Bank 211 Broad Street Kernersville, NC 27285 Full Service B&M $105,852
    Pinnacle Bank 215 Harvey Street Winston Salem, NC 27103 Full Service B&M $70,288
    Pinnacle Bank 216 South Royal Oaks Boulevard Franklin, TN 37064 Full Service B&M $80,179
    Pinnacle Bank 220 North Wrenn Street High Point, NC 27260 Limited, Drive-thru $0
    Pinnacle Bank 2201 North Elm Street Greensboro, NC 27408 Full Service B&M $91,517
    Pinnacle Bank 2203 Crystal Spring Avenue, S.W. Roanoke, VA 24014 Full Service B&M $58,347
    Pinnacle Bank 2300 West End Avenue Nashville, TN 37203 Full Service B&M $319,717
    Pinnacle Bank 231 Jackson Square Oak Ridge, TN 37830 Full Service B&M $73,523
    Pinnacle Bank 2312 Bridgeport Drive Raleigh, NC 27613 Full Service B&M $39,289
    Pinnacle Bank 241 Brooklawn Street Knoxville, TN 37934 Full Service B&M $102,055
    Pinnacle Bank 2415 Laurens Road Greenville, SC 29607 Full Service B&M $17,852
    Pinnacle Bank 2604 South Church Street Murfreesboro, TN 37128 Full Service B&M $37,643
    Pinnacle Bank 2630 Eastchester Drive High Point, NC 27265 Full Service B&M $52,760
    Pinnacle Bank 270 East Main Street Hendersonville, TN 37075 Full Service B&M $138,285
    Pinnacle Bank 271 Copperfield Blvd Concord, NC 28025 Full Service B&M $78,112
    Pinnacle Bank 2753 Maybank Highway Johns Island, SC 29455 Full Service B&M $37,581
    Pinnacle Bank 280 South Mangum Street Durham, NC 27701 Full Service B&M $74,987
    Pinnacle Bank 2800 South Main Street High Point, NC 27263 Full Service B&M $76,726
    Pinnacle Bank 2833 Bransford Avenue Nashville, TN 37204 Full Service B&M $45,952
    Pinnacle Bank 300 North Main Street High Point, NC 27261 Full Service B&M $482,439
    Pinnacle Bank 301 Kildaire Road Chapel Hill, NC 27516 Full Service B&M $54,304
    Pinnacle Bank 3064 Dick Pond Road Myrtle Beach, SC 29588 Full Service B&M $51,188
    Pinnacle Bank 3239 South Church Street Burlington, NC 27215 Full Service B&M $53,948
    Pinnacle Bank 329 Folly Road Charleston, SC 29412 Full Service B&M $33,500
    Pinnacle Bank 3305 South Morgan's Point Mount Pleasant, SC 29466 Full Service B&M $36,001
    Pinnacle Bank 36 Church Avenue Southwest Roanoke, VA 24011 Full Service B&M $161,724
    Pinnacle Bank 3751 Robert M. Grissom Parkway Suite 100 Myrtle Beach, SC 29577 Full Service B&M $154,937
    Pinnacle Bank 3823 Cleghorn Avenue Nashville, TN 37215 Full Service B&M $295,174
    Pinnacle Bank 3900 Pelham Road Greenville, SC 29615 Full Service B&M $29,086
    Pinnacle Bank 4003 Challenger Avenue Roanoke, VA 24012 Full Service B&M $27,225
    Pinnacle Bank 411 South Cumberland Street Lebanon, TN 37087 Full Service B&M $189,260
    Pinnacle Bank 415 Jake Alexander Boulevard Salisbury, NC 28147 Full Service B&M $51,298
    Pinnacle Bank 424 Donelson Pike Nashville, TN 37214 Full Service B&M $58,920
    Pinnacle Bank 425 11th Ave. North Nashville, TN 37203 Full Service B&M $153,108
    Pinnacle Bank 4328 Harding Pike Nashville, TN 37205 Full Service B&M $157,790
    Pinnacle Bank 4351 Main Street, Suite 105 Harrisburg, NC 28075 Full Service B&M $52,004
    Pinnacle Bank 4445 Poplar Ave Memphis, TN 38117 Full Service B&M $55,777
    Pinnacle Bank 4467 Starkey Road Southwest Roanoke, VA 24014 Full Service B&M $133,847
    Pinnacle Bank 4525 Falls Of Neuse Road Raleigh, NC 27609 Full Service B&M $75,172
    Pinnacle Bank 467 Sam Ridley Pkwy Smyrna, TN 37167 Full Service B&M $41,468
    Pinnacle Bank 4715 Andrew Jackson Parkway Hermitage, TN 37076 Full Service B&M $15,715
    Pinnacle Bank 4725 Sw Cary Parkway Cary, NC 27513 Full Service B&M $65,350
    Pinnacle Bank 501 Hwy 46 South Dickson, TN 37055 Full Service B&M $73,240
    Pinnacle Bank 5019 North Broadway Street Knoxville, TN 37918 Full Service B&M $77,156
    Pinnacle Bank 524 South Main Street Ashland City, TN 37015 Full Service B&M $112,908
    Pinnacle Bank 530 Johnnie Dodds Boulevard Mount Pleasant, SC 29464 Full Service B&M $108,934
    Pinnacle Bank 531 East Main Street Spartanburg, SC 29302 Full Service B&M $79,668
    Pinnacle Bank 550 E Mcbee Avenue Greenville, SC 29601 Full Service B&M $104,707
    Pinnacle Bank 551 North Mt. Juliet Road Mount Juliet, TN 37122 Full Service B&M $102,949
    Pinnacle Bank 5925 Farrington Road Chapel Hill, NC 27517 Full Service B&M $105,354
    Pinnacle Bank 597 Old Mt. Holly Road Goose Creek, SC 29445 Full Service B&M $31,664
    Pinnacle Bank 5980 Fairview Road Charlotte, NC 28210 Full Service Retail $259,765
    Pinnacle Bank 602 Coleman Boulevard Mount Pleasant, SC 29464 Full Service B&M $30,147
    Pinnacle Bank 604 N Main St Shelbyville, TN 37160 Full Service B&M $90,694
    Pinnacle Bank 6180 Shallowford Road Chattanooga, TN 37421 Full Service B&M $14,464
    Pinnacle Bank 6342 Carmel Road Charlotte, NC 28226 Full Service B&M $38,986
    Pinnacle Bank 6355 Old Us Hwy 52 Lexington, NC 27295 Full Service B&M $36,640
    Pinnacle Bank 6602 Calhoun Memorial Highway Easley, SC 29640 Full Service B&M $50,082
    Pinnacle Bank 69 South Lowry Smyrna, TN 37167 Full Service B&M $58,207
    Pinnacle Bank 7040 Carothers Parkway Franklin, TN 37067 Full Service B&M $217,123
    Pinnacle Bank 707 Green Valley Rd Greensboro, NC 27408 Full Service B&M $225,370
    Pinnacle Bank 710 Highway 17 North North Myrtle Beach, SC 29582 Full Service B&M $39,380
    Pinnacle Bank 7651 Highway 70 South Nashville, TN 37221 Full Service B&M $139,626
    Pinnacle Bank 787-H East Butler Road Mauldin, SC 29662 Full Service B&M $18,202
    Pinnacle Bank 8 East Main Street Salem, VA 24153 Full Service B&M $65,200
    Pinnacle Bank 801 Broad Street Chattanooga, TN 37402 Full Service B&M $671,827
    Pinnacle Bank 802 Savannah Highway Charleston, SC 29407 Full Service B&M $39,132
    Pinnacle Bank 831 Julian Avenue Thomasville, NC 27360 Full Service B&M $590,023
    Pinnacle Bank 837 West Lamar Alexander Parkway Maryville, TN 37801 Full Service B&M $55,807
    Pinnacle Bank 8420 Dorchester Road Charleston, SC 29420 Full Service B&M $15,427
    Pinnacle Bank 847 Conference Drive Goodlettsville, TN 37072 Full Service B&M $277,105
    Pinnacle Bank 854 East Dixie Drive Asheboro, NC 27203 Full Service B&M $62,844
    Pinnacle Bank 894 Germantown Pkwy, Suite 4 Cordova, TN 38018 Full Service B&M $40,068
    Pinnacle Bank 9057 Poplar Avenue Germantown, TN 38138 Full Service B&M $40,704
    Pinnacle Bank 949 Shady Grove Road Memphis, TN 38130 Full Service B&M $813,428
    Pinnacle Bank 9603 Kingston Pike Knoxville, TN 37922 Full Service B&M $38,732

    For 2018, Pinnacle Bank had 116 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $949,565
    Net interest income $755,840
    Total noninterest income $183,602
    Gross Fiduciary activities income $13,034
    Service charges on deposit accounts $24,906
    Trading account gains and fees $0
    Additional Noninterest Income $145,662
    Pre-tax net operating income $473,752
    Securities gains (or losses, -) $-2,807
    Income before extraordinary items $371,834
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $371,834
    Minority interest net income $16
    Net income $371,818
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $374,051

    Pinnacle Bank's gross interest income from loans was $949,565,000.
    Pinnacle Bank's net interest income from loans was $755,840,000.
    Pinnacle Bank's fee based income from loans was $24,906,000.
    Pinnacle Bank's net income from loans was $371,818,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $193,725
    Provision for credit losses $34,378
    Total noninterest expense $431,312
    Salaries and employee benefits $254,036
    Premises and equipment expense $47,068
    Additional noninterest expense $130,208
    Applicable income taxes $99,111
    Net charge-offs $18,042
    Cash dividends $83,090

    Pinnacle Bank's interest expense for loans was $193,725,000.
    Pinnacle Bank's payroll and benefits expense were $254,036,000.
    Pinnacle Bank's property, plant and equipment expenses $47,068,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 1.0%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $18,949,604
    Deposits held in domestic offices $18,949,604
    Deposits by Individuals, partnerships, and corporations $17,737,294
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,090,611
    Deposits by Commercial banks and other depository institutions in U.S. $121,699
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,714,755
    Demand deposits $1,228,847
    Nontransaction accounts $17,234,849
    Money market deposit accounts (MMDAs) $7,077,256
    Other savings deposits (excluding MMDAs) $6,689,351
    Total time deposits $3,468,243
    Total time and savings deposits $17,720,757
    Noninterest-bearing deposits $4,314,285
    Interest-bearing deposits $14,635,319
    Retail deposits $16,583,420
    IRAs and Keogh plan accounts $374,136
    Brokered deposits $1,679,729
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $24,904,500
    Cash & Balances due from depository institutions $719,919
    Interest-bearing balances $516,388
    Total securities $3,299,728
    Federal funds sold & reverse repurchase $1,849
    Net loans and leases $17,674,123
    Loan and leases loss allowance $83,575
    Trading account assets $0
    Bank premises and fixed assets $265,560
    Other real estate owned $15,165
    Goodwill and other intangibles $1,833,143
    All other assets $1,095,013

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $24,904,500
    Total Liabilities $20,808,029
    Total deposits $18,949,604
    Interest-bearing deposits $14,635,319
    Deposits held in domestic offices $18,949,604
    % insured (estimated) $54
    Federal funds purchased and repurchase agreements $104,741
    Trading liabilities $0
    Other borrowed funds $1,447,060
    Subordinated debt $127,977
    All other liabilities $178,647

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $17,674,123
    Loan and leases loss allowance $83,575
    Total loans and leases (domestic) $17,757,698
    All real estate loans $12,128,962
    Real estate loans in domestic offices $12,128,962
    Construction and development loans $2,072,455
    Residential 1-4 family construction $541,253
    Other construction, all land development and other land $1,531,202
    Loans secured by nonfarm nonresidential properties $6,509,076
    Nonfarm nonresidential secured by owner-occupied properties $2,653,433
    Commercial real estate & other non-farm, non-residential $3,855,643
    Multifamily residential real estate $671,156
    1-4 family residential loans $2,854,174
    Farmland loans $22,101
    Loans held in foreign offices $0
    Farm loans $264
    Commercial and industrial loans $5,216,867
    To non-U.S. addressees $0
    Loans to individuals $278,700
    Credit card loans $44,547
    Related Plans $110,364
    Consumer Auto Loans $55,931
    Other loans to individuals $67,858
    All other loans & leases $132,906
    Loans to foreign governments and official institutions $0
    Other loans $33,247
    Loans to depository institutions and acceptances of other banks $4,801
    Loans not secured by real estate $154,254
    Loans secured by real estate to non-U.S. addressees $4,727
    Restructured Loans & leases $5,899
    Non 1-4 family restructured loans & leases $2,288
    Total loans and leases (foreign) $0

    Pinnacle Bank had $17,674,123,000 of loans outstanding in 2018. $12,128,962,000 of loans were in real estate loans. $2,072,455,000 of loans were in development loans. $671,156,000 of loans were in multifamily mortgage loans. $2,854,174,000 of loans were in 1-4 family mortgage loans. $264,000 of loans were in farm loans. $44,547,000 of loans were in credit card loans. $55,931,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 4,325 $1,277,134 $295,291
    Nonfarm, nonresidential loans - <$100k 443 $20,732 $46,799
    Nonfarm, nonresidential loans - $100-250k 1,228 $159,560 $129,935
    Nonfarm, nonresidential loans - $250k-1MM 2,654 $1,096,842 $413,279
    Commercial & Industrial, US addressed loans - <$1MM 12,486 $1,086,662 $87,030
    Commercial & Industrial, US addressed loans - <$100k 6,981 $172,516 $24,712
    Commercial & Industrial, US addressed loans - $100-250k 2,912 $258,445 $88,752
    Commercial & Industrial, US addressed loans - $250k-1MM 2,593 $655,701 $252,874
    Farmland loans - <$1MM 48 $6,741 $140,438
    Farmland loans - <$100k 11 $368 $33,455
    Farmland loans - $100-250k 24 $2,745 $114,375
    Farmland loans - $250k-1MM 13 $3,628 $279,077
    Agriculture operations loans - <$1MM 11 $263 $23,909
    Agriculture operations loans - <$100k 9 $204 $22,667
    Agriculture operations loans - $100-250k 2 $59 $29,500