Pinnacle Bank
Headquartered in Nashville, TN. Analysis based on 1,130 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.34B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Pinnacle Bank ranks #36 by charge-off rate (1.28%).
Total 7(a) loans
1,130
Total approved
$1.34B
Average loan
$1.2M
States funded in
35
Charge-off rate
1.28%
FY2020–FY2023 cohort
Paid-in-full rate
24.36%
Average rate
7.43%
Average term
183 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 623312 | Homes for the Elderly | 92 |
| 722511 | Full-Service Restaurants | 61 |
| 721110 | Hotels (except Casino Hotels) and Motels | 59 |
| 713940 | Fitness and Recreational Sports Centers | 44 |
| 722513 | Limited-Service Restaurants | 43 |
| 624410 | Child Day Care Services | 28 |
| 811111 | General Automotive Repair | 23 |
| 238990 | All Other Specialty Trade Contractors | 21 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 20 |
| 541211 | Offices of Certified Public Accountants | 17 |
Top 10 states
| State | Loans |
|---|---|
| NC | 271 |
| TN | 221 |
| CA | 169 |
| SC | 128 |
| GA | 94 |
| VA | 49 |
| FL | 48 |
| TX | 43 |
| AL | 17 |
| NE | 12 |
Top franchise brands financed
228 franchise loans across 134 distinct brands.
| Franchise | Loans |
|---|---|
| Hotworx | 14 |
| La Quinta by Wyndham a.k.a. La | 8 |
| Sully's Steamers | 7 |
| SafeSplash Swim School | 6 |
| Scooter's Coffee | 6 |
| Quality Inn by Choice Hotels / | 5 |
| Screenmobile | 5 |
| The UPS Store (f/k/a Mail Box | 5 |
| Edible Arrangements | 4 |
| Eggs Up Grill | 4 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.