Pinnacle Financial Partners is a Nashville-based regional bank holding company with roughly $52.6B in total assets, operating through Pinnacle Bank across 137 branches in eight Southeast states. Pinnacle's core focus is commercial banking for business owners, professionals, and high-net-worth individuals, offering C&I and CRE loans, treasury management, deposits, wealth management, and insurance. Pinnacle's defining strategy is recruiting experienced bankers with established client books away from large incumbents like Wells Fargo, Bank of America, and Truist — when a banker moves to Pinnacle, their clients typically follow, bringing both loans and deposits. Management calls this the "hedgehog strategy." Pinnacle makes money primarily through net interest income, the spread between loan/investment yields and deposit costs, which drives roughly 70–80% of earnings. Balance sheet growth is the primary earnings lever, and new relationship managers typically consolidate roughly $65M in loans and $65M in deposits each at full consolidation over five years. Pinnacle also owns a 49% stake in Bankers Healthcare Group, a fintech lender to healthcare professionals, and runs specialty businesses in capital markets advisory, equipment leasing, and wealth management. Growth is entirely organic — Pinnacle explicitly avoids bank acquisitions, preferring to hire bankers and expand de novo into new Southeast metros like Atlanta, Washington D.C., and Jacksonville.