Total Assets
$4.0B
Total Deposits
$3.5B
Branches
26
Established
1934
Pinnacle Bank is a bank headquartered in Elberton, Georgia, established in 1934. It holds $4.0B in total assets across 26 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Pinnacle Bank earns a TFS Financial Health Grade of B- (75.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
75.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Pinnacle BankHQ | 884 Elbert St | Elberton | GA | 11 |
| Pinnacle Bank | 3140 Lexington Rd | Athens | GA | 11 |
| Pinnacle Bank | 1081 Parkway Blvd | Athens | GA | 11 |
| Pinnacle Bank | 1602 Walton Way | Augusta | GA | 11 |
| Pinnacle Bank | 361 Blue Ridge St | Blairsville | GA | 11 |
| Pinnacle Bank | 1 N Broad St | Bowman | GA | 11 |
| Pinnacle Bank | 6322 Grand Hickory Dr | Braselton | GA | 11 |
| Pinnacle Bank | 111 Southern Bank Dr | Clarkesville | GA | 11 |
| Pinnacle Bank | 1981 N Elm St | Commerce | GA | 11 |
| Pinnacle Bank | 218 Carpenters Cove Ln | Cornelia | GA | 11 |
| Pinnacle Bank | 6124 Highway 278 Ne | Covington | GA | 11 |
| Pinnacle Bank | 81 Crown Mountain Pl | Dahlonega | GA | 11 |
| Pinnacle Bank | 23 College Ave | Elberton | GA | 11 |
| Pinnacle Bank | 340 Jesse Jewell Pkwy Se | Gainesville | GA | 11 |
| Pinnacle Bank | 545 Dawsonville Hwy | Gainesville | GA | 11 |
| Pinnacle Bank | 1948 Jesse Jewell Pkwy Se | Gainesville | GA | 11 |
| Pinnacle Bank | 420 Lewiston Rd | Grovetown | GA | 11 |
| Pinnacle Bank | 135 E Franklin St | Hartwell | GA | 11 |
| Pinnacle Bank | 12321 Augusta Rd | Lavonia | GA | 11 |
| Pinnacle Bank | 114 N Gilmer St | Lexington | GA | 11 |
| Pinnacle Bank | 375 Furys Ferry Rd | Martinez | GA | 11 |
| Pinnacle Bank | 1901 W Spring St | Monroe | GA | 11 |
| Pinnacle Bank | 238 S Broad St | Monroe | GA | 11 |
| Pinnacle Bank | 861 Church St | Royston | GA | 11 |
| Pinnacle Bank | 19 Westclock Cir | Royston | GA | 11 |
| Pinnacle Bank | 112 N Cherokee Rd | Social Circle | GA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
75.7
Tier 1 capital ratio
12.70%
Return on assets
1.33%
Non-performing loans
0.51%
Efficiency ratio
68.41%
Asset growth (YoY)
76.49%
Suggested direct comparisons
Atlanta, GA
$9.1B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.