Pinnacle Financial

Pinnacle Financial Partners, Inc. (NASDAQ: PNFP) is a Nashville, Tennessee based regional bank holding company whose principal subsidiary, Pinnacle Bank, is a Tennessee state-chartered, FDIC-insured commercial bank (FDIC Cert #35583) originally founded in 2000 as Pinnacle National Bank and renamed in 2012. Pinnacle operates across the Southeast — Tennessee, the Carolinas, Virginia, Georgia and Alabama — serving consumer, small-business, commercial and wealth clients. On the open-finance side Pinnacle runs NO public first-party developer API portal; its consumer digital and mobile banking is delivered on a third-party core/digital platform (Apiture), and consumer-permissioned account and transaction data is made available to fintechs only through data aggregators (Plaid and Finicity/Mastercard) rather than through a documented bank-operated API. No direct Financial Data Exchange (FDX) membership or published CFPB Section 1033 data-access posture was found; open-finance participation is aggregator-mediated.

Pinnacle Financial is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Regional Bank, and Open Finance.

Pinnacle Financial’s developer surface includes support and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

6.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Financial-Services Banking United States Regional Bank Open Finance Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 6.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 1.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/pinnacle-financial: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

InvestorRelations

InvestorRelations

Source (apis.yml)

aid: pinnacle-financial
url: https://raw.githubusercontent.com/api-evangelist/pinnacle-financial/refs/heads/main/apis.yml
name: Pinnacle Financial
kind: company
description: 'Pinnacle Financial Partners, Inc. (NASDAQ: PNFP) is a Nashville, Tennessee based regional bank holding company
  whose principal subsidiary, Pinnacle Bank, is a Tennessee state-chartered, FDIC-insured commercial bank (FDIC Cert #35583)
  originally founded in 2000 as Pinnacle National Bank and renamed in 2012. Pinnacle operates across the Southeast — Tennessee,
  the Carolinas, Virginia, Georgia and Alabama — serving consumer, small-business, commercial and wealth clients. On the open-finance
  side Pinnacle runs NO public first-party developer API portal; its consumer digital and mobile banking is delivered on a
  third-party core/digital platform (Apiture), and consumer-permissioned account and transaction data is made available to
  fintechs only through data aggregators (Plaid and Finicity/Mastercard) rather than through a documented bank-operated API.
  No direct Financial Data Exchange (FDX) membership or published CFPB Section 1033 data-access posture was found; open-finance
  participation is aggregator-mediated.'
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Regional Bank
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- United States
- Regional Bank
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/pinnacle-financial-domain-security.yml
- type: Website
  url: https://www.pnfp.com/
- type: LinkedIn
  url: https://www.linkedin.com/company/pnfp/
- type: Support
  url: https://www.pnfp.com/contact-us/
- type: InvestorRelations
  url: https://investors.pnfp.com/
- type: PrivacyPolicy
  url: https://www.pnfp.com/privacy-practices/
- type: LLMsTxt
  url: llms/pinnacle-financial-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com