Pinnacle Bank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300CDOC4F7XSRG390

Tax ID: 62-1829917

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Pinnacle Bank is a small bank specializing in Home Purchase and Refi loans. Pinnacle Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Memphis, Knoxville, Charlotte, and Chattanooga among others. We have data for 178 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%	4/22/24
30 Year Conventional Purchase	6.50%	4/22/24
30 Year Conventional Refi	6.39%	4/22/24
30 Year Cash-out Refi	6.61%	4/22/24
30 Year FHA Purchase	7.05%	4/22/24
30 Year VA Purchase	6.19%	4/22/24
30 Year VA Refi	6.27%	4/22/24
30 Year USDA Purchase	6.62%	4/22/24
30 Year USDA Refi	6.68%	4/22/24
15 Year Conventional Purchase	5.92%	4/22/24
15 Year Conventional Refi	6.01%	4/22/24
15 Year Cash-out Refi	6.01%	4/22/24
15 Year VA Purchase	5.68%	4/22/24
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

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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

8,635

Origination Dollar Volume (All Markets)

$2,797,865,000

Employee count

2,440

Awards

Pinnacle Bank 30 Year Conventional Loans bronze

Pinnacle Bank 30 Year Conventional Loans silver

Pinnacle Bank 30 Year Conventional Loans gold

Show all (13) 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)	2,944	$957,530,000	$325,248	$3,599	4.70%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	1,435	$326,775,000	$227,718	$4,304	4.50%
KNOXVILLE, TN (FHA\|USDA\|VA)	664	$200,980,000	$302,681	$4,084	4.53%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	503	$179,185,000	$356,233	$4,083	4.92%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	495	$141,235,000	$285,323	$3,890	4.78%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	277	$91,765,000	$331,282	$3,458	4.80%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	128	$70,890,000	$553,828	$3,030	4.74%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	383	$57,845,000	$151,031	$3,139	4.96%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	279	$56,015,000	$200,771	$3,010	4.92%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	160	$50,160,000	$313,500	$3,563	4.96%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	30	$33,640,000	$1,121,333	$3,731	4.57%
Outside of Metro Areas	115	$26,645,000	$231,696	$3,902	4.80%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	9	$26,615,000	$2,957,222	$3,711	4.38%
ROANOKE, VA (FHA\|USDA\|VA)	133	$26,295,000	$197,707	$3,459	4.82%
COLUMBUS, OH (FHA\|USDA\|VA)	11	$25,645,000	$2,331,364	$3,611	4.58%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	104	$25,430,000	$244,519	$3,136	4.72%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	5	$24,775,000	$4,955,000	$3,314	3.93%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	36	$21,500,000	$597,222	$5,173	4.67%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	6	$21,030,000	$3,505,000	$9,580	4.70%
LOUISVILLE, KY (FHA\|USDA\|VA)	8	$19,910,000	$2,488,750	$2,322	4.64%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	16	$17,870,000	$1,116,875	$6,462	4.34%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	53	$14,505,000	$273,679	$3,816	5.16%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	10	$14,470,000	$1,447,000	$3,216	4.53%
ASHEVILLE, NC (FHA\|USDA\|VA)	41	$12,475,000	$304,268	$3,771	5.15%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	12	$12,060,000	$1,005,000	$3,506	4.61%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	9	$11,765,000	$1,307,222	$2,535	4.53%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	11	$11,345,000	$1,031,364	$5,931	4.83%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	70	$11,140,000	$159,143	$3,381	5.12%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	2	$10,700,000	$5,350,000	$0	4.53%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	5	$10,405,000	$2,081,000	$2,490	4.39%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	1	$10,205,000	$10,205,000	$0	4.88%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	5	$9,695,000	$1,939,000	$3,246	4.64%
CLEVELAND, TN (FHA\|USDA\|VA)	26	$9,240,000	$355,385	$4,140	4.59%
GRAND FORKS, ND-MN (FHA\|USDA\|VA)	2	$8,900,000	$4,450,000	$0	4.31%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	3	$8,715,000	$2,905,000	$0	4.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	5	$8,365,000	$1,673,000	$3,119	4.81%
JACKSON, MS (FHA\|USDA\|VA)	3	$7,695,000	$2,565,000	$3,337	4.16%
MONTGOMERY, AL (FHA\|USDA\|VA)	1	$7,265,000	$7,265,000	$0	4.23%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	3	$6,835,000	$2,278,333	$2,639	4.46%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	5	$6,665,000	$1,333,000	$7,954	4.50%
Albemarle, NC (FHA\|USDA\|VA)	51	$6,345,000	$124,412	$3,540	4.82%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	2	$5,760,000	$2,880,000	$0	5.29%
SPARTANBURG, SC (FHA\|USDA\|VA)	37	$5,695,000	$153,919	$3,261	5.12%
FARGO, ND-MN (FHA\|USDA\|VA)	1	$5,555,000	$5,555,000	$0	4.31%
Calhoun, GA (FHA\|USDA\|VA)	3	$5,105,000	$1,701,667	$2,892	5.13%
Lewisburg, TN (FHA\|USDA\|VA)	24	$5,100,000	$212,500	$4,826	4.13%
Georgetown, SC (FHA\|USDA\|VA)	12	$5,040,000	$420,000	$4,631	5.12%
LYNCHBURG, VA (FHA\|USDA\|VA)	11	$5,005,000	$455,000	$3,523	5.06%
TOLEDO, OH (FHA\|USDA\|VA)	1	$5,005,000	$5,005,000	$0	4.57%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	28	$4,800,000	$171,429	$3,797	4.41%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	24	$4,650,000	$193,750	$3,932	4.63%
Sevierville, TN (FHA\|USDA\|VA)	21	$4,485,000	$213,571	$3,964	4.78%
Shelbyville, TN (FHA\|USDA\|VA)	25	$4,245,000	$169,800	$3,992	4.66%
Cullowhee, NC (FHA\|USDA\|VA)	6	$4,230,000	$705,000	$3,756	4.45%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	23	$4,205,000	$182,826	$3,625	4.29%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	7	$4,135,000	$590,714	$5,097	4.69%
WILMINGTON, NC (FHA\|USDA\|VA)	14	$4,120,000	$294,286	$3,593	4.63%
RICHMOND, VA (FHA\|USDA\|VA)	1	$3,955,000	$3,955,000	$0	4.65%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	3	$3,915,000	$1,305,000	$2,316	4.65%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	6	$3,770,000	$628,333	$4,992	4.94%
Cookeville, TN (FHA\|USDA\|VA)	17	$3,635,000	$213,824	$4,769	4.32%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	4	$3,620,000	$905,000	$2,547	5.46%
BURLINGTON, NC (FHA\|USDA\|VA)	26	$3,420,000	$131,538	$2,866	5.10%
MORRISTOWN, TN (FHA\|USDA\|VA)	11	$3,175,000	$288,636	$3,395	4.28%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	2	$2,980,000	$1,490,000	$0	5.03%
Dayton, TN (FHA\|USDA\|VA)	7	$2,745,000	$392,143	$3,871	4.59%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	7	$2,665,000	$380,714	$3,998	5.54%
SAVANNAH, GA (FHA\|USDA\|VA)	10	$2,590,000	$259,000	$3,828	4.65%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	3	$2,545,000	$848,333	$7,501	4.42%
Tiffin, OH (FHA\|USDA\|VA)	1	$2,445,000	$2,445,000	$0	5.14%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	6	$2,220,000	$370,000	$3,534	4.60%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	2	$2,190,000	$1,095,000	$3,935	4.00%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$2,005,000	$2,005,000	$0	4.85%
Morehead City, NC (FHA\|USDA\|VA)	6	$1,860,000	$310,000	$2,952	4.21%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$1,815,000	$1,815,000	$0	4.56%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$1,790,000	$895,000	$4,393	4.71%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	7	$1,685,000	$240,714	$2,509	4.61%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	2	$1,660,000	$830,000	$4,478	5.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	4	$1,660,000	$415,000	$3,806	4.27%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$1,655,000	$1,655,000	$0	4.35%
COLUMBIA, SC (FHA\|USDA\|VA)	8	$1,650,000	$206,250	$3,165	4.28%
BOWLING GREEN, KY (FHA\|USDA\|VA)	8	$1,640,000	$205,000	$2,779	5.02%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	5	$1,635,000	$327,000	$5,860	4.85%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$1,635,000	$1,635,000	$0	73.00%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	8	$1,600,000	$200,000	$3,349	4.88%
SAGINAW, MI (FHA\|USDA\|VA)	1	$1,595,000	$1,595,000	$0	5.15%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	2	$1,570,000	$785,000	$2,449	4.44%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	1	$1,505,000	$1,505,000	$0	4.13%
HUNTSVILLE, AL (FHA\|USDA\|VA)	6	$1,500,000	$250,000	$2,515	5.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	4	$1,500,000	$375,000	$4,740	4.63%
TUCSON, AZ (FHA\|USDA\|VA)	3	$1,425,000	$475,000	$3,629	4.78%
DALTON, GA (FHA\|USDA\|VA)	7	$1,415,000	$202,143	$4,283	4.93%
Seneca, SC (FHA\|USDA\|VA)	4	$1,390,000	$347,500	$2,759	4.75%
MANHATTAN, KS (FHA\|USDA\|VA)	1	$1,365,000	$1,365,000	$2,480	4.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	2	$1,290,000	$645,000	$2,915	4.31%
Boone, NC (FHA\|USDA\|VA)	8	$1,250,000	$156,250	$2,681	4.83%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	2	$1,180,000	$590,000	$895	5.31%
PANAMA CITY, FL (FHA\|USDA\|VA)	5	$1,175,000	$235,000	$3,025	4.48%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	2	$1,150,000	$575,000	$5,337	4.19%
Brevard, NC (FHA\|USDA\|VA)	2	$1,140,000	$570,000	$4,841	5.06%
Breckenridge, CO (FHA\|USDA\|VA)	2	$1,100,000	$550,000	$3,067	4.06%
Steamboat Springs, CO (FHA\|USDA\|VA)	2	$1,090,000	$545,000	$4,382	4.19%
Vernal, UT (FHA\|USDA\|VA)	1	$1,055,000	$1,055,000	$0	4.91%
LAREDO, TX (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$0	5.10%
Hailey, ID (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$16,099	4.13%
Key West, FL (FHA\|USDA\|VA)	2	$980,000	$490,000	$4,391	4.38%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	4	$940,000	$235,000	$4,557	3.94%
Greenwood, SC (FHA\|USDA\|VA)	6	$870,000	$145,000	$2,806	4.75%
BRUNSWICK, GA (FHA\|USDA\|VA)	2	$850,000	$425,000	$4,117	5.63%
JACKSONVILLE, NC (FHA\|USDA\|VA)	3	$845,000	$281,667	$4,614	4.38%
Athens, TN (FHA\|USDA\|VA)	4	$730,000	$182,500	$4,146	4.75%
Gainesville, TX (FHA\|USDA\|VA)	1	$715,000	$715,000	$6,719	5.13%
McMinnville, TN (FHA\|USDA\|VA)	2	$710,000	$355,000	$6,976	3.69%
OCALA, FL (FHA\|USDA\|VA)	1	$705,000	$705,000	$7,553	4.75%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	3	$695,000	$231,667	$2,793	4.25%
JOHNSON CITY, TN (FHA\|USDA\|VA)	4	$670,000	$167,500	$3,339	4.44%
Kill Devil Hills, NC (FHA\|USDA\|VA)	1	$665,000	$665,000	$0	4.95%
JACKSONVILLE, FL (FHA\|USDA\|VA)	3	$665,000	$221,667	$6,811	4.04%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2	$610,000	$305,000	$3,213	3.94%
Crossville, TN (FHA\|USDA\|VA)	3	$565,000	$188,333	$5,153	3.58%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	3	$555,000	$185,000	$4,324	5.88%
Marion, NC (FHA\|USDA\|VA)	2	$550,000	$275,000	$2,967	4.75%
LAKE CHARLES, LA (FHA\|USDA\|VA)	2	$520,000	$260,000	$5,402	4.50%
Lawrenceburg, TN (FHA\|USDA\|VA)	2	$500,000	$250,000	$7,875	5.00%
Starkville, MS (FHA\|USDA\|VA)	2	$500,000	$250,000	$3,362	4.19%
ROCHESTER, NY (FHA\|USDA\|VA)	1	$485,000	$485,000	$5,890	4.50%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$455,000	$455,000	$7,277	4.00%
BOULDER, CO (FHA\|USDA\|VA)	1	$455,000	$455,000	$3,603	5.00%
Laconia, NH (FHA\|USDA\|VA)	1	$445,000	$445,000	$3,048	4.63%
JONESBORO, AR (FHA\|USDA\|VA)	3	$445,000	$148,333	$2,615	4.50%
Oxford, MS (FHA\|USDA\|VA)	2	$430,000	$215,000	$3,077	5.11%
Shelby, NC (FHA\|USDA\|VA)	3	$425,000	$141,667	$1,838	4.71%
Roanoke Rapids, NC (FHA\|USDA\|VA)	2	$410,000	$205,000	$3,523	4.94%
GAINESVILLE, GA (FHA\|USDA\|VA)	1	$395,000	$395,000	$4,174	3.75%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	3	$385,000	$128,333	$2,762	5.33%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	1	$375,000	$375,000	$0	5.25%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,970	4.00%
Albertville, AL (FHA\|USDA\|VA)	1	$345,000	$345,000	$2,721	3.50%
SUMTER, SC (FHA\|USDA\|VA)	2	$330,000	$165,000	$2,842	5.19%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,536	3.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,758	3.88%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,243	3.63%
Searcy, AR (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,802	4.38%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,915	4.00%
Orangeburg, SC (FHA\|USDA\|VA)	2	$290,000	$145,000	$2,645	5.56%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,115	4.75%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	6.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	2	$270,000	$135,000	$5,289	4.19%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	5.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	4.75%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,108	4.50%
Mount Airy, NC (FHA\|USDA\|VA)	3	$225,000	$75,000	$2,997	4.71%
WICHITA, KS (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,332	3.75%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,577	3.50%
JACKSON, MI (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,674	3.63%
Dyersburg, TN (FHA\|USDA\|VA)	1	$185,000	$185,000	$5,093	4.50%
HOT SPRINGS, AR (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,060	4.50%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,117	3.75%
Fort Payne, AL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	6.15%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,917	5.75%
Lumberton, NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,583	3.88%
Richmond-Berea, KY (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,808	4.38%
KOKOMO, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,082	5.00%
Corinth, MS (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,893	3.75%
Martinsville, VA (FHA\|USDA\|VA)	2	$120,000	$60,000	$2,258	4.55%
Holland, MI (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,206	3.88%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,578	4.25%
Greeneville, TN (FHA\|USDA\|VA)	1	$105,000	$105,000	$4,498	4.38%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.25%
HARRISONBURG, VA (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,318	4.38%
JACKSON, TN (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,406	4.63%
Wilson, NC (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,088	4.13%
LaGrange, GA-AL (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,547	4.88%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.50%
Batesville, AR (FHA\|USDA\|VA)	1	$55,000	$55,000	$3,480	4.75%
Greensburg, IN (FHA\|USDA\|VA)	1	$55,000	$55,000	$2,320	3.88%
Bluefield, WV-VA (FHA\|USDA\|VA)	1	$45,000	$45,000	$2,905	3.38%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	5.75%

Pinnacle Bank's top markets include Nashville, Memphis, Knoxville, Charlotte, and Chattanooga among others.

Their top states include:

Tennessee (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

South Carolina (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Pinnacle Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

CONSUMER Credit Union
Similarity Rank: 24

US COMMUNITY
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Citizens Tri-County Bank
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ENRICHMENT
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POWER FINANCIAL
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Piedmont Federal Savings Bank
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MEMBER ONE
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CAROLINA TRUST FEDERAL CREDIT UNION
Similarity Rank: 265

CoastalStates Mortgage
Similarity Rank: 291

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	5,661	$2,264,275,000	$399,978	$3,318	4.47%
HELOC	2,080	$335,790,000	$161,438	n/a	5.65%
FHA	586	$119,330,000	$203,635	$6,791	4.15%
VA	210	$61,400,000	$292,381	$6,971	3.93%
USDA	98	$17,070,000	$174,184	$4,576	4.11%

For 2019, Pinnacle Bank's most frequently originated type of loan was Conventional, with 5,661 originations. Their 2nd most popular type was HELOC, with 2,080 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	4,940	$1,685,340,000	$341,162	$3,922	4.51%
Refi	1,443	$722,015,000	$500,357	$3,581	4.64%
Other	945	$143,935,000	$152,312	$3,114	5.54%
Home Improvement	704	$87,190,000	$123,849	$2,963	5.61%
Cash Out Refi	603	$159,385,000	$264,320	$3,571	4.25%

For 2019, Pinnacle Bank's most frequently cited loan purpose was Home Purchase, with 4,940 originations. The 2nd most popular reason was Refi, with 1,443 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	5,260	$1,522,430,000	$289,435	$3,899	4.35%
20 Year	2,240	$429,250,000	$191,629	$2,996	5.54%
15 Year	452	$109,440,000	$242,124	$3,185	3.98%
5 Year	262	$309,050,000	$1,179,580	$0	5.19%
10 Year	135	$164,285,000	$1,216,926	$2,675	4.68%
Other	116	$175,940,000	$1,516,724	$2,437	5.24%
1 Year	86	$25,560,000	$297,209	$0	5.86%
3 Year	81	$59,635,000	$736,235	$0	5.76%
30+ year	3	$2,275,000	$758,333	$4,794	4.96%

For 2019, Pinnacle Bank's most frequently cited loan duration was 30 Year, with 5,260 originations. The 2nd most popular length was 20 Year, with 2,240 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	4,545	$1,296,275,000	$285,209
$1k-2k	672	$152,720,000	$227,262
$2k-3k	323	$76,555,000	$237,012
$3k-4k	153	$44,875,000	$293,301
$5k+	92	$73,670,000	$800,761
$4k-5k	71	$27,945,000	$393,592

Pinnacle Bank's average total fees were $3,899, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,545 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	3,883	$1,535,395,000	$395,415
5-6%	2,151	$520,505,000	$241,983
3-4%	2,136	$665,380,000	$311,507
6-7%	437	$54,425,000	$124,542
7-8%	18	$1,230,000	$68,333
<2.5%	5	$18,255,000	$3,651,000
2.5-3%	4	$1,040,000	$260,000
Over 8%	1	$1,635,000	$1,635,000

During 2019, Pinnacle Bank's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 3,883 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	2,811	$772,605,000	$274,851	$4,037	4.42%
$100k-200k	2,714	$397,790,000	$146,570	$3,367	4.68%
$100,000 or less	1,682	$101,810,000	$60,529	$2,767	5.39%
$400k-600k	761	$359,445,000	$472,332	$4,136	4.43%
$600k-1MM	368	$277,250,000	$753,397	$4,887	4.56%
$1MM+	299	$888,965,000	$2,973,127	$7,010	4.81%

2019 saw Pinnacle Bank place emphasis on $200k-400k loans with 2,811 originations, totaling $772,605,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	1,569	$284,815,000	$181,526	$3,881	4.51%
$100k-150k	1,405	$324,845,000	$231,206	$3,754	4.76%
$50k or less	1,365	$183,485,000	$134,421	$3,513	4.56%
$150k-250k	1,292	$382,110,000	$295,751	$3,693	4.78%
$250k+	1,171	$596,275,000	$509,202	$4,447	4.83%
$75k-100k	1,100	$224,340,000	$203,945	$3,838	4.60%

Pinnacle Bank lent most frequently to those with incomes in the $50k-75k range, with 1,569 originations. The second most popular income band? $100k-150k, with 1,405 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,688	$419,750,000	$248,667	$3,528	4.65%
30-36%	1,473	$373,005,000	$253,228	$3,839	4.64%
<20%	956	$245,430,000	$256,726	$3,336	4.84%
44%	479	$113,355,000	$236,649	$3,757	4.81%
43%	354	$89,560,000	$252,994	$3,876	4.67%
39%	311	$80,635,000	$259,277	$3,669	4.63%
42%	309	$80,245,000	$259,693	$3,565	4.62%
41%	306	$81,780,000	$267,255	$3,711	4.62%
38%	292	$72,130,000	$247,021	$3,693	4.60%
40%	290	$73,250,000	$252,586	$3,637	4.62%
36%	270	$71,430,000	$264,556	$3,793	4.67%
37%	246	$66,960,000	$272,195	$3,712	4.57%
50-60%	202	$45,720,000	$226,337	$6,708	4.34%
45%	168	$36,400,000	$216,667	$4,293	4.67%
49%	151	$41,095,000	$272,152	$4,071	4.62%
47%	145	$38,465,000	$265,276	$4,265	4.56%
46%	128	$31,490,000	$246,016	$4,099	4.46%
48%	123	$31,825,000	$258,740	$4,184	4.45%
>60%	31	$8,035,000	$259,194	$6,382	4.86%

Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 1,688 originations. The next most common DTI ratio? 30-36%, with 1,473 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	5,992	$1,594,830,000	$266,160	$3,771	4.61%
Not applicable	532	$761,830,000	$1,432,011	$0	5.31%
Not provided	992	$223,030,000	$224,829	$3,874	5.22%
Black	914	$170,070,000	$186,072	$4,046	4.56%
Asian	161	$37,525,000	$233,075	$3,716	4.46%
Asian Indian	9	$4,595,000	$510,556	$4,613	4.50%
American Indian	14	$2,390,000	$170,714	$4,543	4.63%
Other Asian	10	$1,790,000	$179,000	$2,772	4.71%
Native Hawaiian or Islander	4	$930,000	$232,500	$4,537	4.97%
Other Pacific Islander	3	$425,000	$141,667	$2,853	5.08%
Vietnamese	2	$300,000	$150,000	$3,039	5.25%
Japanese	1	$95,000	$95,000	$0	5.75%
Korean	1	$55,000	$55,000	$0	5.75%

Approval Rates

Total approvals of all applications
91.83%

Pinnacle Bank has an average approval rate.

Pick Rate

Approvals leading to origination
81.19%

Pinnacle Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	8,635	$2,797,865,000	$324,014

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	5	$1,575,000	$315,000
Multifamily:Site-Built	205	$670,055,000	$3,268,561
Single Family (1-4 Units):Manufactured	17	$1,075,000	$63,235
Single Family (1-4 Units):Site-Built	8,408	$2,125,160,000	$252,755

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	895	$153,145,000	$171,112	$2,820	5.25%
40-60%	895	$398,355,000	$445,089	$3,053	4.59%
60-80%	2,337	$1,109,875,000	$474,914	$3,336	4.61%
80-100%	3,528	$1,035,040,000	$293,379	$4,129	4.44%
Over 100%	69	$23,495,000	$340,507	$10,926	4.02%
Under 20%	911	$77,955,000	$85,571	$2,912	5.65%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
Pinnacle Finance LLC	Other type of mortgage	Trouble during payment process	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Pinnacle Bank	10 Church Street Cleveland, TN 37311	Full Service B&M	$140,227
Pinnacle Bank	1000 William Hilton Parkway Hilton Head Island, SC 29928	Full Service B&M	$61,166
Pinnacle Bank	1003 Hardy Road Vinton, VA 24179	Full Service B&M	$25,458
Pinnacle Bank	102 South Street Locust, NC 28097	Full Service B&M	$77,226
Pinnacle Bank	1028 Eastchester Dr High Point, NC 27262	Full Service B&M	$66,401
Pinnacle Bank	103 North Second Street Albemarle, NC 28001	Full Service B&M	$167,012
Pinnacle Bank	108 Gateway Boulevard, Suite 101 Mooresville, NC 28117	Full Service B&M	$128,877
Pinnacle Bank	1111 Northshore Dr. Ste S130 Knoxville, TN 37919	Full Service B&M	$1,190,356
Pinnacle Bank	113 Trindale Road Archdale, NC 27263	Full Service B&M	$71,082
Pinnacle Bank	114 West College Street Murfreesboro, TN 37130	Full Service B&M	$757,188
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	$94,307
Pinnacle Bank	1203 Martin Luther King, Jr. Blvd Chapel Hill, NC 27514	Full Service B&M	$68,143
Pinnacle Bank	123 Cason Lane Murfreesboro, TN 37128	Full Service B&M	$88,814
Pinnacle Bank	1264 Germantown Road Germantown, TN 38138	Full Service B&M	$63,036
Pinnacle Bank	128 Franklin Road Brentwood, TN 37027	Full Service B&M	$363,953
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	$16,883
Pinnacle Bank	134 Meeting Street, Suite 201 Charleston, SC 29401	Full Service B&M	$39,583
Pinnacle Bank	1412 West Baddour Parkway Lebanon, TN 37087	Full Service B&M	$32,481
Pinnacle Bank	1420 East Third Street Charlotte, NC 28204	Full Service B&M	$158,209
Pinnacle Bank	1431 New Garden Road Greensboro, NC 27410	Full Service B&M	$28,024
Pinnacle Bank	150 3rd Avenue South Nashville, TN 37201	Full Service B&M	$5,592,705
Pinnacle Bank	15025 Ballancroft Pkwy Charlotte, NC 28277	Full Service B&M	$67,578
Pinnacle Bank	1503 Old Towne Road Charleston, SC 29407	Full Service B&M	$66,740
Pinnacle Bank	1518 Hershberger Road Roanoke, VA 24012	Full Service B&M	$21,781
Pinnacle Bank	1520 East Emory Road Knoxville, TN 37938	Full Service B&M	$43,075
Pinnacle Bank	155 Rozelle Street Memphis, TN 38104	Full Service B&M	$301
Pinnacle Bank	1645 Northwest Broad Street Murfreesboro, TN 37129	Full Service B&M	$10,968
Pinnacle Bank	1700 Dickerson Blvd Monroe, NC 28110	Full Service B&M	$67,621
Pinnacle Bank	1717 Mallory Lane Brentwood, TN 37027	Full Service B&M	$153,966
Pinnacle Bank	1745 Memorial Blvd Murfreesboro, TN 37129	Full Service B&M	$46,243
Pinnacle Bank	175 North Fayetteville Street Asheboro, NC 27203	Full Service B&M	$132,599
Pinnacle Bank	1810 North Peace Haven Road Winston Salem, NC 27104	Full Service B&M	$12,720
Pinnacle Bank	1813 Westchester Drive High Point, NC 27262	Full Service B&M	$34,802
Pinnacle Bank	1999 Hendersonville Road Asheville, NC 28803	Full Service B&M	$40,426
Pinnacle Bank	203 N. Main Street Summerville, SC 29483	Full Service B&M	$44,239
Pinnacle Bank	2035 Se Broad Murfreesboro, TN 37130	Full Service B&M	$67,283
Pinnacle Bank	207 East Main Street Jamestown, NC 27282	Full Service B&M	$34,991
Pinnacle Bank	209 Tenth Avenue South, Suite 250 Nashville, TN 37203	Full Service B&M	$31,919
Pinnacle Bank	211 Broad Street Kernersville, NC 27285	Full Service B&M	$48,189
Pinnacle Bank	215 Harvey Street Winston Salem, NC 27103	Full Service B&M	$169,477
Pinnacle Bank	216 South Royal Oaks Boulevard Franklin, TN 37064	Full Service B&M	$117,428
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	$145,578
Pinnacle Bank	2203 Crystal Spring Avenue, S.W. Roanoke, VA 24014	Full Service B&M	$34,556
Pinnacle Bank	2300 West End Avenue Nashville, TN 37203	Full Service B&M	$324,074
Pinnacle Bank	231 Jackson Square Oak Ridge, TN 37830	Full Service B&M	$113,897
Pinnacle Bank	2312 Bridgeport Drive Raleigh, NC 27613	Full Service B&M	$17,800
Pinnacle Bank	241 Brooklawn Street Knoxville, TN 37934	Full Service B&M	$128,485
Pinnacle Bank	2415 Laurens Road Greenville, SC 29607	Full Service B&M	$19,051
Pinnacle Bank	2604 South Church Street Murfreesboro, TN 37128	Full Service B&M	$46,435
Pinnacle Bank	2630 Eastchester Drive High Point, NC 27265	Full Service B&M	$58,133
Pinnacle Bank	270 East Main Street Hendersonville, TN 37075	Full Service B&M	$163,064
Pinnacle Bank	271 Copperfield Blvd Concord, NC 28025	Full Service B&M	$73,395
Pinnacle Bank	2753 Maybank Highway Johns Island, SC 29455	Full Service B&M	$33,715
Pinnacle Bank	280 South Mangum Street, Suite 140 Durham, NC 27701	Full Service B&M	$66,948
Pinnacle Bank	2800 South Main Street High Point, NC 27263	Full Service B&M	$74,877
Pinnacle Bank	2833 Bransford Avenue Nashville, TN 37204	Full Service B&M	$54,808
Pinnacle Bank	300 North Main Street High Point, NC 27261	Full Service B&M	$473,907
Pinnacle Bank	3064 Dick Pond Road Myrtle Beach, SC 29588	Full Service B&M	$48,754
Pinnacle Bank	3239 South Church Street Burlington, NC 27215	Full Service B&M	$60,642
Pinnacle Bank	329 Folly Road Charleston, SC 29412	Full Service B&M	$32,204
Pinnacle Bank	3305 South Morgan's Point Mount Pleasant, SC 29466	Full Service B&M	$37,544
Pinnacle Bank	3515 Glenwood Ave Raleigh, NC 27612	Full Service B&M	$275,385
Pinnacle Bank	36 Church Avenue Southwest Roanoke, VA 24011	Full Service B&M	$220,931
Pinnacle Bank	3751 Robert M. Grissom Parkway Suite 100 Myrtle Beach, SC 29577	Full Service B&M	$159,935
Pinnacle Bank	3823 Cleghorn Avenue Nashville, TN 37215	Full Service B&M	$315,816
Pinnacle Bank	3900 Pelham Road Greenville, SC 29615	Full Service B&M	$19,419
Pinnacle Bank	4003 Challenger Avenue Roanoke, VA 24012	Full Service B&M	$25,434
Pinnacle Bank	411 South Cumberland Street Lebanon, TN 37087	Full Service B&M	$200,369
Pinnacle Bank	415 Jake Alexander Boulevard Salisbury, NC 28147	Full Service B&M	$52,989
Pinnacle Bank	424 Donelson Pike Nashville, TN 37214	Full Service B&M	$86,511
Pinnacle Bank	425 11th Ave. North Nashville, TN 37203	Full Service B&M	$156,217
Pinnacle Bank	4328 Harding Pike Nashville, TN 37205	Full Service B&M	$172,885
Pinnacle Bank	4351 Main Street, Suite 105 Harrisburg, NC 28075	Full Service B&M	$56,219
Pinnacle Bank	4445 Poplar Ave Memphis, TN 38117	Full Service B&M	$59,508
Pinnacle Bank	4467 Starkey Road Southwest Roanoke, VA 24014	Full Service B&M	$146,874
Pinnacle Bank	4525 Falls Of Neuse Road Raleigh, NC 27609	Full Service B&M	$45,373
Pinnacle Bank	467 Sam Ridley Pkwy Smyrna, TN 37167	Full Service B&M	$45,562
Pinnacle Bank	4715 Andrew Jackson Parkway Hermitage, TN 37076	Full Service B&M	$22,241
Pinnacle Bank	4725 Sw Cary Parkway Cary, NC 27513	Full Service B&M	$17,911
Pinnacle Bank	501 Hwy 46 South Dickson, TN 37055	Full Service B&M	$77,656
Pinnacle Bank	5019 North Broadway Street Knoxville, TN 37918	Full Service B&M	$71,308
Pinnacle Bank	524 South Main Street Ashland City, TN 37015	Full Service B&M	$135,027
Pinnacle Bank	530 Johnnie Dodds Boulevard Mount Pleasant, SC 29464	Full Service B&M	$243,196
Pinnacle Bank	531 East Main Street Spartanburg, SC 29302	Full Service B&M	$53,622
Pinnacle Bank	550 E Mcbee Avenue Greenville, SC 29601	Full Service B&M	$153,100
Pinnacle Bank	551 North Mt. Juliet Road Mount Juliet, TN 37122	Full Service B&M	$110,295
Pinnacle Bank	5925 Farrington Road Chapel Hill, NC 27517	Full Service B&M	$111,611
Pinnacle Bank	597 Old Mt. Holly Road Goose Creek, SC 29445	Full Service B&M	$28,125
Pinnacle Bank	5980 Fairview Road Charlotte, NC 28210	Full Service Retail	$254,704
Pinnacle Bank	602 Coleman Boulevard Mount Pleasant, SC 29464	Full Service B&M	$27,321
Pinnacle Bank	604 N Main St Shelbyville, TN 37160	Full Service B&M	$98,828
Pinnacle Bank	6180 Shallowford Road Chattanooga, TN 37421	Full Service B&M	$22,318
Pinnacle Bank	6342 Carmel Road Charlotte, NC 28226	Full Service B&M	$28,089
Pinnacle Bank	6355 Old Us Hwy 52 Lexington, NC 27295	Full Service B&M	$38,418
Pinnacle Bank	6602 Calhoun Memorial Highway Easley, SC 29640	Full Service B&M	$50,396
Pinnacle Bank	69 South Lowry Smyrna, TN 37167	Full Service B&M	$59,752
Pinnacle Bank	7040 Carothers Parkway Franklin, TN 37067	Full Service B&M	$219,446
Pinnacle Bank	707 Green Valley Rd Greensboro, NC 27408	Full Service B&M	$227,145
Pinnacle Bank	710 Highway 17 North North Myrtle Beach, SC 29582	Full Service B&M	$45,230
Pinnacle Bank	7651 Highway 70 South Nashville, TN 37221	Full Service B&M	$160,359
Pinnacle Bank	787-H East Butler Road Mauldin, SC 29662	Full Service B&M	$21,232
Pinnacle Bank	8 East Main Street Salem, VA 24153	Full Service B&M	$94,339
Pinnacle Bank	801 Broad Street Chattanooga, TN 37402	Full Service B&M	$830,466
Pinnacle Bank	802 Savannah Highway Charleston, SC 29407	Full Service B&M	$32,066
Pinnacle Bank	831 Julian Avenue Thomasville, NC 27360	Full Service B&M	$575,899
Pinnacle Bank	837 West Lamar Alexander Parkway Maryville, TN 37801	Full Service B&M	$79,862
Pinnacle Bank	8420 Dorchester Road Charleston, SC 29420	Full Service B&M	$14,854
Pinnacle Bank	847 Conference Drive Goodlettsville, TN 37072	Full Service B&M	$306,347
Pinnacle Bank	854 East Dixie Drive Asheboro, NC 27203	Full Service B&M	$60,409
Pinnacle Bank	894 Germantown Pkwy, Suite 4 Cordova, TN 38018	Full Service B&M	$43,962
Pinnacle Bank	9057 Poplar Avenue Germantown, TN 38138	Full Service B&M	$49,036
Pinnacle Bank	949 Shady Grove Road Memphis, TN 38130	Full Service B&M	$651,173
Pinnacle Bank	9603 Kingston Pike Knoxville, TN 37922	Full Service B&M	$43,693

For 2019, Pinnacle Bank had 116 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$1,070,647
Net interest income	$784,871
Total noninterest income	$232,563
Gross Fiduciary activities income	$14,095
Service charges on deposit accounts	$28,754
Trading account gains and fees	$0
Additional Noninterest Income	$189,714
Pre-tax net operating income	$514,595
Securities gains (or losses, -)	$-5,172
Income before extraordinary items	$408,352
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$408,352
Minority interest net income	$16
Net income	$408,336
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$412,489

Pinnacle Bank's gross interest income from loans was $1,070,647,000.
Pinnacle Bank's net interest income from loans was $784,871,000.
Pinnacle Bank's fee based income from loans was $28,754,000.
Pinnacle Bank's net income from loans was $408,336,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$285,776
Provision for credit losses	$27,283
Total noninterest expense	$475,556
Salaries and employee benefits	$292,134
Premises and equipment expense	$48,673
Additional noninterest expense	$134,749
Applicable income taxes	$101,071
Net charge-offs	$16,082
Cash dividends	$113,982

Pinnacle Bank's interest expense for loans was $285,776,000.
Pinnacle Bank's payroll and benefits expense were $292,134,000.
Pinnacle Bank's property, plant and equipment expenses $48,673,000.

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	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	1.1%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$20,370,700
Deposits held in domestic offices	$20,370,700
Deposits by Individuals, partnerships, and corporations	$19,228,058
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$1,080,443
Deposits by Commercial banks and other depository institutions in U.S.	$62,199
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$2,090,171
Demand deposits	$1,635,510
Nontransaction accounts	$18,280,529
Money market deposit accounts (MMDAs)	$7,280,305
Other savings deposits (excluding MMDAs)	$7,058,778
Total time deposits	$3,941,446
Total time and savings deposits	$18,735,190
Noninterest-bearing deposits	$4,801,577
Interest-bearing deposits	$15,569,123
Retail deposits	$17,807,749
IRAs and Keogh plan accounts	$258,316
Brokered deposits	$1,713,360
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$27,665,771
Cash & Balances due from depository institutions	$505,674
Interest-bearing balances	$347,773
Total securities	$3,751,812
Federal funds sold & reverse repurchase	$20,977
Net loans and leases	$19,792,504
Loan and leases loss allowance	$94,777
Trading account assets	$0
Bank premises and fixed assets	$349,202
Other real estate owned	$29,487
Goodwill and other intangibles	$1,850,801
All other assets	$1,365,314

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$27,665,771
Total Liabilities	$23,012,338
Total deposits	$20,370,700
Interest-bearing deposits	$15,569,123
Deposits held in domestic offices	$20,370,700
% insured (estimated)	$59
Federal funds purchased and repurchase agreements	$126,354
Trading liabilities	$0
Other borrowed funds	$2,148,997
Subordinated debt	$128,824
All other liabilities	$237,463

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$19,792,504
Loan and leases loss allowance	$94,777
Total loans and leases (domestic)	$19,887,281
All real estate loans	$13,280,719
Real estate loans in domestic offices	$13,280,719
Construction and development loans	$2,430,483
Residential 1-4 family construction	$578,443
Other construction, all land development and other land	$1,852,040
Loans secured by nonfarm nonresidential properties	$7,088,424
Nonfarm nonresidential secured by owner-occupied properties	$2,669,766
Commercial real estate & other non-farm, non-residential	$4,418,658
Multifamily residential real estate	$631,616
1-4 family residential loans	$3,107,433
Farmland loans	$22,763
Loans held in foreign offices	$0
Farm loans	$253
Commercial and industrial loans	$5,984,949
To non-U.S. addressees	$34,123
Loans to individuals	$306,994
Credit card loans	$43,266
Related Plans	$132,954
Consumer Auto Loans	$36,071
Other loans to individuals	$94,703
All other loans & leases	$314,366
Loans to foreign governments and official institutions	$0
Other loans	$149,017
Loans to depository institutions and acceptances of other banks	$4,801
Loans not secured by real estate	$317,949
Loans secured by real estate to non-U.S. addressees	$4,926
Restructured Loans & leases	$4,841
Non 1-4 family restructured loans & leases	$819
Total loans and leases (foreign)	$0

Pinnacle Bank had $19,792,504,000 of loans outstanding in 2019. $13,280,719,000 of loans were in real estate loans. $2,430,483,000 of loans were in development loans. $631,616,000 of loans were in multifamily mortgage loans. $3,107,433,000 of loans were in 1-4 family mortgage loans. $253,000 of loans were in farm loans. $43,266,000 of loans were in credit card loans. $36,071,000 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	4,427	$1,310,402	$296,002
Nonfarm, nonresidential loans - <$100k	449	$22,120	$49,265
Nonfarm, nonresidential loans - $100-250k	1,270	$165,180	$130,063
Nonfarm, nonresidential loans - $250k-1MM	2,708	$1,123,102	$414,735
Commercial & Industrial, US addressed loans - <$1MM	13,342	$1,134,919	$85,064
Commercial & Industrial, US addressed loans - <$100k	7,688	$196,382	$25,544
Commercial & Industrial, US addressed loans - $100-250k	2,982	$265,990	$89,199
Commercial & Industrial, US addressed loans - $250k-1MM	2,672	$672,547	$251,702
Farmland loans - <$1MM	67	$9,563	$142,731
Farmland loans - <$100k	21	$837	$39,857
Farmland loans - $100-250k	27	$3,063	$113,444
Farmland loans - $250k-1MM	19	$5,663	$298,053
Agriculture operations loans - <$1MM	8	$253	$31,625
Agriculture operations loans - <$100k	8	$253	$31,625