Peer Benchmarking Matrix
FDIC Call Report Comparison — Quarterly Financials (as of 2025-12-31)
ROA
1.25%
50th percentilevs peers
ROE
10.21%
50th percentilevs peers
NIM
3.21%
50th percentilevs peers
Efficiency Ratio
53.06%
0th percentilevs peers
| Metric | PNFP | SNV | Peer Median |
|---|---|---|---|
| ROA | 1.25% | 1.39% | 1.39% |
| ROE | 10.21% | 15.05% | 15.05% |
| NIM | 3.21% | 3.50% | 3.50% |
| Efficiency Ratio | 53.06% | 50.41% | 50.41% |
| Tier 1 Capital | 11.13% | 12.02% | 12.02% |
| Total RBC | 445907.00% | 1017065.00% | 1017065.00% |
| Noncurrent Loans | 136231.00% | 260538.00% | 260538.00% |
| Loan Loss Allowance | 135.34% | 88.68% | 88.68% |
Trend Comparison — PNFP vs Peer Median
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| NIM | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 |
|---|---|---|---|---|
| PNFP | 3.12% | 3.16% | 3.20% | 3.21% |
| Peer Median | 3.49% | 3.46% | 3.49% | 3.50% |
| ROE | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 |
|---|---|---|---|---|
| PNFP | 9.16% | 9.63% | 10.00% | 10.21% |
| Peer Median | 15.65% | 15.93% | 15.80% | 15.05% |