Pinnacle Bank (TN): SBA Lending Record
What SBA's own loan files show about Pinnacle Bank (TN) as an SBA lender, and how a lender's record bears on a feasibility study.
Pinnacle Bank (TN) at a glance
In SBA's file, Pinnacle Bank (TN) is the current or last holder of 1,982 loans approved in FY2017 to FY2026, with gross dollars approved of $2.29 billion. Under 7(a) sit all 1,982, and 504 stands at 0. The page carries no average loan size for this holder and draws none.
Which classes appear
1,350 loans fall into no asset class at all. The classed loans lead with full-service restaurant at 111, then limited-service restaurant at 86 and fitness center at 74. Child care center has 48, automotive mechanical repair (car and truck) 46 and gas station and truck stop 34. A study for a restaurant or fitness build tests menu or membership revenue against rent and equipment cost, while a fuel project tests traffic and margin on fuel and inside sales.
Where the loans sit by state
North Carolina has 412 loans and Tennessee 381. Georgia has 321, Florida 268 and South Carolina 260. Alabama has 107 and Virginia 66. The list is short and regional, so a borrower in one of those states will find the holder well represented, while a borrower elsewhere will find it absent. That asymmetry is worth knowing before a borrower spends time on introductions, though a study of the project is needed in either case.
Cancellations, charge-offs and cohort size
Of approvals dated FY2017 to FY2024, 7.8% were cancelled (a floor) and 8.5% if undisbursed loans are added (a ceiling). Charge-offs to date touch 4.3% in a cohort of 944 loans (those disbursed FY2017 to FY2021), and 2.2% fell within the five-year window. A borrower should read these as the history of a cohort and never as a promise about the next loan. The rates mix many trades, may rise as loans season, and belong to that cohort, not to any new project a borrower is planning.
Why the record is only context
Nothing on this page speaks for the bank's credit decisions. A lender weighing a request looks at the project itself: who will buy, what it costs, whether income covers the payment, what the property appraises at. A feasibility study puts those tests on one page, and the loan tallies above only show how broad this holder's SBA file is.
SBA loans held by Pinnacle Bank (TN)
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 1,982 |
|---|---|
| Gross dollars approved | $2.29 billion |
| SBA 7(a) loans | 1,982 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.8% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 8.5% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.3% |
| Charged off within five years of approval | 2.2% |
| Loans in that cohort | 944 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 1,350 |
| Full-service restaurant | 111 |
| Limited-service restaurant | 86 |
| Fitness center | 74 |
| Child care center | 48 |
| Automotive mechanical repair (car and truck) | 46 |
| Gas station and truck stop | 34 |
| Coffee shop and snack bar | 33 |
| Veterinary clinic | 21 |
| Medical office (physicians) | 21 |
| Liquor store | 21 |
| Beauty salon | 20 |
| Assisted living (without nursing care) | 15 |
| Dental office | 12 |
| Beverage manufacturing (breweries, wineries, distilleries) | 11 |
| Car wash | 10 |
| School (elementary and secondary, including charter) | 9 |
| Grocery store | 9 |
| Hotel and motel | 8 |
| Rehabilitation and therapy clinic | 8 |
| Self storage | 7 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| North Carolina | 412 |
| Tennessee | 381 |
| Georgia | 321 |
| Florida | 268 |
| South Carolina | 260 |
| Alabama | 107 |
| Virginia | 66 |
| Texas | 46 |
| Mississippi | 18 |
| Maryland | 12 |
| California | 10 |
| Pennsylvania | 9 |
| Arkansas | 6 |
| Arizona | 5 |
| Colorado | 5 |
| Illinois | 5 |
| Wisconsin | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-35583.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Pinnacle Bank (TN) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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