Pinnacle Bank

Headquarters: Nashville, Tennessee
Charter: Bank
Assets: $128.8B
Fed district: Atlanta
Regulator: Federal Reserve
Holding company: Pinnacle Financial Partners Inc.

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 31, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Pinnacle Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
Pinnacle Bank: $8 to $15
Pinnacle Bank: $8 to $15
U.S. median: no median
Overdraft (OD)
Pinnacle Bank: $30
Pinnacle Bank: $30
U.S. median: no median
NSF / Returned Item
Pinnacle Bank: No fee
Pinnacle Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 214% from Q3 2025 to Q2 2026, to $40.3M.

Service-charge income, Q2 2026

$40.3M

$12.8MQ3 2025

$13.3MQ4 2025

$40.2MQ1 2026

$40.3MQ2 2026

Against the median

Pinnacle BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$50.8B to $188.6B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

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

Pinnacle Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Pinnacle Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $40.3M
vs prior quarter: +$129K+0.3%; from Q1 2026
vs a year earlier: +$27.8M+221.4%; from Q2 2025
vs start of range: +$28.8M+251.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Pinnacle Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Pinnacle Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$15
per month
Monthly service fee$10
per month
Monthly service fee$8
per month
Dormant Account Fee$6
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $30.00 per hour

Overdraft & NSF

Overdraft Paid Item fees$30
Paid Item Fee$30
per item
Paid Item fees for both consumer and business clients$30
Non-sufficient Funds (NSF) Returned Item fees (consumer)Fee eliminatedNo charge

ATM & Card

Debit Card Replacement Fee (after first occurrence)$5
per item
Rush Order Fee$50
Mastercard Cross Border Fee0.9%of the transaction
Mastercard Currency Conversion Fee0.2%of the transaction

Wire Transfers

Domestic – Outgoing wire (audience not stated, treated as personal)$40
per item
Domestic – Incoming wire (audience not stated, treated as personal)$15
per item
International – Outgoing Online wire (audience not stated, treated as personal)$35
per item
International – Outgoing wire (audience not stated, treated as personal)$60
per item
International – Incoming wire (audience not stated, treated as personal)$15
per item

Check Services

Cashier’s Check (client request)$10
per item
Cashier’s Check (client request)$10
Stop Payment$38
per item
Foreign Item Collection$35
per item
Check Copy$2
per item
Check Copy$2.75
per item

Digital & Electronic

ACH Return$15
per item

Cash & Deposit

Returned Deposited Item Special Handling$18
per item
Returned Deposited Item Special Handling$18
per item

Account Services

Notary ServicesNo charge
Late Fee on Annual Rent$12
Not compared: Box drilling or key fee
per year
Lost Key/Box Drilling$150
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$120
Safe Deposit Box 3 x 10$55
Safe Deposit Box 3 x 5$35
per year
Safe Deposit Box 5 x 10$75
Safe Deposit Box 5 x 5$45
Levy or Garnishment Processing$100

Other Fees

Previous Periodic Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$15	per month	None
Monthly service fee	$10	per month	None
Monthly service fee	$8	per month	None
Dormant Account Fee	$6	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	$30	Not stated	None
Paid Item Fee	$30	per item	None
Paid Item fees for both consumer and business clients	$30	Not stated	None
Non-sufficient Funds (NSF) Returned Item fees (consumer)Fee eliminated	No charge	Not stated	None
ATM & Card
Debit Card Replacement Fee (after first occurrence)	$5	per item	None
Rush Order Fee	$50	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)	$40	per item	None
Domestic – Incoming wire (audience not stated, treated as personal)	$15	per item	None
International – Outgoing Online wire (audience not stated, treated as personal)	$35	per item	None
International – Outgoing wire (audience not stated, treated as personal)	$60	per item	None
International – Incoming wire (audience not stated, treated as personal)	$15	per item	None
Check Services
Cashier’s Check (client request)	$10	per item	None
Cashier’s Check (client request)	$10	Not stated	None
Stop Payment	$38	per item	None
Foreign Item Collection	$35	per item	None
Check Copy	$2	per item	None
Check Copy	$2.75	per item	None
Digital & Electronic
ACH Return	$15	per item	None
Cash & Deposit
Returned Deposited Item Special Handling	$18	per item	None
Returned Deposited Item Special Handling	$18	per item	None
Account Services
Notary Services	No charge	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	$120	Not stated	None
Safe Deposit Box 3 x 10	$55	Not stated	None
Safe Deposit Box 3 x 5	$35	per year	None
Safe Deposit Box 5 x 10	$75	Not stated	None
Safe Deposit Box 5 x 5	$45	Not stated	None
Levy or Garnishment Processing	$100	Not stated	None
Other Fees
Previous Periodic Statement Copy	$5	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

Account Maintenance

Dormant Account Fee$6
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $30.00 per hour

Overdraft & NSF

Overdraft Paid Item fees$30
Paid Item Fee$30
per item
Paid Item fees for both consumer and business clients$30
Non-sufficient Funds (NSF) Returned Item fees (business)$30
Returned Item Fee (business accounts only)$30
per item

ATM & Card

Rush Order Fee$50
Mastercard Cross Border Fee0.9%of the transaction
Mastercard Currency Conversion Fee0.2%of the transaction

Check Services

Cashier’s Check (client request)$10
per item
Stop Payment$38
per item
Foreign Item Collection$35
per item
Check Copy$2.75
per item

Digital & Electronic

ACH Return$15
per item

Cash & Deposit

Deposited Item Returned Unpaid (business accounts only)$15
per item
Returned Deposited Item Special Handling$18
per item

Account Services

Notary ServicesNo charge
Late Fee on Annual Rent$12
Not compared: Box drilling or key fee
per year
Lost Key/Box Drilling$150
Not compared: Box drilling or key fee
per item
Levy or Garnishment Processing$100

Other Fees

Courier Pick-Up (business clients only)$15
per item
Previous Periodic Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$6	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	$30	Not stated	None
Paid Item Fee	$30	per item	None
Paid Item fees for both consumer and business clients	$30	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	$50	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)	$10	per item	None
Stop Payment	$38	per item	None
Foreign Item Collection	$35	per item	None
Check Copy	$2.75	per item	None
Digital & Electronic
ACH Return	$15	per item	None
Cash & Deposit
Deposited Item Returned Unpaid (business accounts only)	$15	per item	None
Returned Deposited Item Special Handling	$18	per item	None
Account Services
Notary Services	No charge	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	$100	Not stated	None
Other Fees
Courier Pick-Up (business clients only)	$15	per item	None
Previous Periodic Statement Copy	$5	per item	None

Correct a fee source

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.

Fee change alerts

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