Compared with Tennessee
12 of 20
compared fees are above the median.
6 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
47th percentile; peer median 3.4%
FDIC call report data · Jun 30, 2026
Fees above the Tennessee median
of 20 compared; 6 below, 2 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Pinnacle Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 or RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 30 banks with $50B to $250B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Tennessee median | Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Pinnacle Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.3% of revenue, below the 3.4% median of 30 banks with $50B to $250B in assets (47th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $40.3M in Q2 2026, 221% above the same quarter a year earlier ($12.5M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 20 compared published fees sit above the Tennessee median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Tennessee medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 214% from Q3 2025 to Q2 2026, to $40.3M. Its share of revenue, 3.3%, is below the 3.4% median for banks with $50B to $250B in assets.
$40.3M
Pinnacle BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 30 banks with $50B to $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $8 to $15; we compare the midpoint.
Pinnacle Bank · $128.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Pinnacle Bank(this institution) | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ally Bank | Sandy, UT | $188.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Associated Bank, National Association | Green Bay, WI | $51.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Banco Popular de Puerto Rico | San Juan, PR | $63.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BOKF, National Association | Tulsa, OK | $53B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CIBC Bank USA | Chicago, IL | $66.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| City National Bank | Los Angeles, CA | $99.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Columbia Bank | Roseburg, OR | $65.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| East West Bank | Pasadena, CA | $84.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Flagstar Bank, National Association | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frost Bank | San Antonio, TX | $54B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| HSBC Bank USA, National Association | Tysons, VA | $173.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SoFi Bank, National Association | Cottonwood Heights, UT | $56.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Northern Trust Company | Chicago, IL | $178.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| UMB Bank, National Association | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| USAA Federal Savings Bank | Phoenix, AZ | $106.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Valley National Bank | Passaic, NJ | $66.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Western Alliance Bank | Phoenix, AZ | $98.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $89B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $10 among 15 publishing peers.
Its three checking prices are $8, $10 and $15.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Pinnacle Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $40.3M | +$129K | +0.3% |
| Q1 2026 | $40.2M | +$26.9M | +202.0% |
| Q4 2025 | $13.3M | +$464K | +3.6% |
| Q3 2025 | $12.8M | +$299K | +2.4% |
| Q2 2025 | $12.5M | +$571K | +4.8% |
| Q1 2025 | $12.0M | +$68K | +0.6% |
| Q4 2024 | $11.9M | +$422K | +3.7% |
| Q3 2024 | $11.5M | +$1.1M | +10.7% |
Financial cohort: 33 banks with $50B to $250B in assets filing for Q2 2026; 30 reported a share above 0% and are counted, Pinnacle Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Pinnacle Bank by share.
Amounts from Pinnacle Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour · Account Research | $30.00 per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per year
per item
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $30.00 per hour |
Overdraft & NSF | |||
| Overdraft Paid Item fees | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid Item Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid Item fees for both consumer and business clients | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds (NSF) Returned Item fees (consumer)Fee eliminated | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement Fee (after first occurrence) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Order Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Mastercard Cross Border Fee | 0.9%of the transaction | Not stated | None |
| Mastercard Currency Conversion Fee | 0.2%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic – Outgoing wire (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic – Incoming wire (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International – Outgoing Online wire (audience not stated, treated as personal) | $35Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| International – Outgoing wire (audience not stated, treated as personal) | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| International – Incoming wire (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Check (client request) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Check (client request) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $38Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Collection | $35Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copy | $2.75Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Return | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Item Special Handling | $18Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Deposited Item Special Handling | $18Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Late Fee on Annual Rent | $12Not compared: Box drilling or key fee | per year | None |
| Lost Key/Box Drilling | $150Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10 x 10 | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy or Garnishment Processing | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Previous Periodic Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $30.00 per hour |
Overdraft & NSF | |||
| Overdraft Paid Item fees | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid Item Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid Item fees for both consumer and business clients | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds (NSF) Returned Item fees (business) | $30 | Not stated | None |
| Returned Item Fee (business accounts only) | $30 | per item | None |
ATM & Card | |||
| Rush Order Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Mastercard Cross Border Fee | 0.9%of the transaction | Not stated | None |
| Mastercard Currency Conversion Fee | 0.2%of the transaction | Not stated | None |
Check Services | |||
| Cashier’s Check (client request) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $38Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Collection | $35Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $2.75Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Return | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Returned Unpaid (business accounts only) | $15 | per item | None |
| Returned Deposited Item Special Handling | $18Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Late Fee on Annual Rent | $12Not compared: Box drilling or key fee | per year | None |
| Lost Key/Box Drilling | $150Not compared: Box drilling or key fee | per item | None |
| Levy or Garnishment Processing | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Courier Pick-Up (business clients only) | $15 | per item | None |
| Previous Periodic Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Pinnacle Bank operates, and what regulators and customers have on file.
Branch footprint
389 offices in 9 states, $102.2B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 36 | $22.7B | |
| 47 | $17.1B | |
| 13 | $5.4B | |
| 15 | $4.2B | |
| Outside a metro area | 22 | $4.0B |
| 7 | $3.6B | |
| 4 | $3.5B | |
| 18 | $2.9B |
Nashville-Davidson--Murfreesboro--Franklin, TN
21.1% of bank deposits, #1 of 62, up 4.6 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 18.7% |
| Regions Bank | 9% |
| Truist Bank | 7% |
| First Horizon Bank | 5.2% |
| FirstBank | 5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Nashville-Davidson--Murfreesboro--Franklin, TN, Pinnacle Bank holds 21.1% of bank deposits, #1 of 62, with 36 offices.
The fee comparison uses its home metro, Atlanta-Sandy Springs-Roswell, GA.
678 offices of 94 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 62 institutions shown. $107.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 21.1% share, 36 offices, #1 of 62
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
105 offices of 34 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
715 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Incorrect information on your report | 184 |
| Took or threatened to take negative or legal action | 81 |
| Attempts to collect debt not owed | 74 |
| Problem with a company's investigation into an existing problem | 60 |
| Improper use of your report | 38 |
| Managing an account | 30 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
Pinnacle Financial Partners, Inc. (NYSE: PNFP)
Consolidated assets
$130.7B
Shareholders' equity
$14.6B
As of
2026Q3
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 2082866. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.