Valuing long-term relationships is the top attribute that small and middle-market business leaders want from their bank, according to research from Coalition Greenwich. The same research tells us they prefer to communicate directly with their banker, and that expertise and prompt follow-up are also high on the list.

In that research, what we see year after year is the market’s desire for what Pinnacle does best, our brand promise:

Distinctive service and effective advice.

Overall Satisfaction with Relationship Manager

86%

Nashville

100%*

Memphis

100%*

Chattanooga

86%

Knoxville

100%*

North Carolina

80%

South Carolina

100%*

Western Virginia

*Lead or tied for lead in market
Source: Coalition Greenwich

When your North Star is helping others prosper, the rewards multiply.

Since the beginning, we’ve set out to build a firm that gives experienced professionals a workplace that puts them first, helps them succeed and eliminates internal competition. Similarly, Pinnacle associates are empowered to use their decades of experience to give clients an advice-forward approach, to analyze available data, consider all the possibilities and chart a course for their success.

When clients succeed, deposits grow.

Liquidity has been the name of the game since 2020, and clients flush with cash have trusted us to keep it and grow it.

Total Core DepositsNon-GAAP
$8,792
$14,461
$14,236
$14,838
2017
$14,750
$15,400
$16,077
$16,489
2018
$16,341
$16,504
$17,103
$17,617
2019
$18,604
$21,392
$22,004
$23,511
2020
$24,971
$25,858
$27,145
$29,317
2021
CAGR 28.7%

When loans grow, clients can, too.

The trust they place in Pinnacle allows businesses to put their money to use growing the operations that power our local economies.

Total LoansNon-GAAP
$8,642
$14,759
$15,260
$15,633
2017
$16,326
$17,042
$17,464
$17,708
2018
$18,175
$18,814
$19,346
$19,788
2019
$20,396.9
$22,520
$22,477
$22,425
2020
$23,087
$22,898
$23,058
$23,414
2021
CAGR 22.1%
  • Q4
  • Q3
  • Q2
  • Q1

For a reconciliation of non-GAAP financial measures to their most directly comparable GAAP measures, see Business Insights.

When clients prosper, they reward us with loyalty.

Pinnacle’s client survey results echo the same priorities found in the market research and show our ability to exceed clients’ expectations and deliver on our brand promise.

96.2%

Demonstrates knowledge and experience necessary to meet my needs

96.7%

Provides timely responses to my requests

96.5%

Delivers against his/her commitments

94.9%

Is recognizably better than his/her competitors

Source: Pinnacle Client Surveys

When clients are loyal, they are more effective than any advertising budget.

Pinnacle clients often become raving fans and net promoters, telling others how much they love us and our unique client experience.

Pinnacle Net Promoter Scores

90%*

Nashville

90%*

Memphis

81%

Chattanooga

82%

Knoxville

70%*

North Carolina

58%

South Carolina

71%

Western Virginia

73.3%

Average

Source: Coalition Greenwich
*Leads the market

It’s not just what Pinnacle does for clients. It’s how we make them feel.

In 2021, we were grateful to serve clients in-person again. Doing business via phone, email and video conference remains a vital capability, but being in partnership with Pinnacle is best as an immersive experience.

One of our hallmarks is to create an office environment that feels dramatically different from every other bank. The surprise of receiving concierge-level service from associates who thrive on delighting clients, consistently and conscientiously, is an experience few clients forget.

We are part of the community, and we take that role seriously.

From day one every Pinnacle associate has been an owner of the firm. Decision-making on most client and community matters is decentralized, putting the power in local hands to do what’s best.

Pinnacle gives every associate the autonomy and resources to create a “WOW” moment for a client or another associate. And the firm trusts local teams to invest in what will make their communities better places to live.

As communities and clients prosper, the demand for Pinnacle’s signature brand of distinctive service and effective advice continues to rise, leading to meaningful value creation in the marketplace.