# Pinnacle Financial

**Canonical:** https://apis.io/providers/pinnacle-financial/  
**Website:** https://www.pnfp.com/  
**APIs profiled:** 0

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.

## Kin Score — 6.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 6.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 12.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Pinnacle Financial Domain Security** — TLSv1.3 · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/pinnacle-financial/). Scores are computed from the provider's own public artifacts under a published rubric.