Pinnacle Bank
Pinnacle Bank was a Georgia community bank offering personal, business, mortgage, and wealth advisory services across 22 counties. Following its April 2026 reverse merger with Morris State Bancshares, it now operates as Vallant Bank with approximately $3.98 billion in combined assets.
- Company typePrivate
- Founded1900
- HeadquartersElberton, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Pinnacle Bank does
Pinnacle Bank was a Georgia state-chartered community bank founded in 1934 and headquartered in Elberton, serving consumer, small-to-mid-sized business, agricultural, and mortgage customers across Northeast, Middle, and Southeast Georgia through a branch-based, locally decision-making model. Its core product set spanned personal checking and savings accounts (including CDARS-enabled deposits), personal and auto loans, the All-The-Way-Home mortgage program, SBA loans, agricultural and equipment financing, treasury management (Fraud Defense with PositivePay, Merchant Capture, LockBox), and a financial planning and wealth advisory practice. The underlying technology layer consisted of standard digital banking infrastructure — mobile app, online banking and bill pay, Zelle P2P, Pinny ATM locator, and digital account opening — with no disclosed proprietary AI/ML or platform-as-a-service components. The bank's revenue model was anchored in net interest income from lending, supplemented by transaction-based non-interest income from deposit fees, card interchange, mortgage origination, and professional services fees from wealth advisory. On April 1, 2026, Pinnacle Financial Corporation completed a reverse merger with Morris State Bancshares, Inc. to form Vallant Financial, Inc. (OTC: VLNT), with combined assets of approximately $3.98 billion and 36 branches across 22 Georgia counties; full rebranding to Vallant Bank was completed on June 17, 2026. Leadership includes CEO Jackson McConnell and EVP/COO Donna Webb, with Bryan Bean serving as Market Leader for Tennessee and Kentucky markets.
Pinnacle Bank firmographics
Firmographics- Name
- Pinnacle Bank
- Legal name
- Vallant Bank
- Website
- https://pinnaclebank.com
- Company type
- Private
- Founded year
- 1900
- Operating status
- Acquired
- Headcount range
- 251–500 employees
- Short description
- Pinnacle Bank was a Georgia community bank offering personal, business, mortgage, and wealth advisory services across 22 counties. Following its April 2026 reverse merger with Morris State Bancshares, it now operates as Vallant Bank with approximately $3.98 billion in combined assets.
- Ownership category
- akta.pro rank
Pinnacle Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG), Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where Pinnacle Bank is headquartered
LocationHeadquarters
- HQ city
- Elberton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Pinnacle Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest income from lending activities including personal loans, mortgages, business loans, and commercial lending. Primary revenue driver for the community bank.
- Non-Interest Income: Fees from deposit accounts, credit cards, mortgage origination, wealth management services, and treasury management products.
- Financial Planning and Wealth Management: Advisory services including retirement planning, estate planning, investment strategies, and insurance planning.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking Accounts |
| Subscription | Monthly | Business Checking |
| Subscription | Monthly | Savings Products |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Pinnacle Bank product offering
Product offeringCore offering
Pinnacle Bank, now operating as Vallant Bank following the April 2026 merger with Morris State Bancshares, is a Georgia-based community bank offering personal checking and savings accounts, business banking products including SBA and agricultural loans, residential mortgages, treasury management, and financial planning/wealth advisory services distributed through a 36-branch network across 22 Georgia counties complemented by mobile and online banking channels.
Product overview
Vallant Bank is a unified banking platform serving communities across Georgia, formed from the merger of Pinnacle Bank and Morris Bank. The product portfolio consists of core personal banking services (checking, savings, CDs, and personal loans), comprehensive mortgage offerings through the All-The-Way-Home program, diverse business banking solutions (commercial checking, SBA loans, agricultural loans, equipment financing), treasury management services, and financial planning advisory. Digital banking capabilities including mobile banking, Zelle P2P payments, and online account management complement the branch-based offerings. The bank operates under the Vallant Community Foundation for community outreach initiatives.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Tiered personal checking accounts including Totally Free Checking, VIP Free Interest Checking, High-Yield Interest Checking, and Benefits Checking with mobile banking, Zelle, and online bill pay access for individuals and families.
- Personal Savings Accounts Savings products for individuals including Simple Savings, Money Market, The Guardian, Saving Cents, Systematic Savings, Christmas Club accounts, and Health Savings Accounts (HSAs).
- Certificates of Deposit (CDs) Fixed-term deposit products including a 12 Month Rate Riser CD and CDARS (Certificate of Deposit Account Registry Service) for expanded FDIC insurance coverage on large deposits.
- Personal Loans Personal lending products including MyFasTrack Loan, MyFlexFund Loan, and Auto Loans for consumer vehicle purchases and short-term financing needs.
- Mortgages and Home Lending Residential mortgage products including the All-The-Way-Home lending program, adjustable rate mortgages (ARMs), purchase mortgages, and refinance options delivered through local lenders across Georgia.
- Business Checking Accounts Business checking account options including Totally Free Business Checking, Business Interest Checking, and Commercial Checking, each including free online banking and bill pay for small and mid-sized businesses.
- Business Loans Comprehensive commercial lending suite including SBA Loans, BusinessManager, CashFlow LEASE, Agricultural Loans, Equipment Loans, Capital Expansion Loans, Business Construction and Mortgage Loans, Short-Term Inventory Loans, and Business FasTrack Loan for small businesses and agricultural operations.
- Business Credit Products Business credit facilities including Business Credit Cards, Revolving Line of Credit, Commercial Line of Credit, and Letter of Credit for working capital and trade financing.
- Treasury Management Services Cash management and fraud protection services for businesses including Fraud Defense with PositivePay, Merchant Capture, Business Online Banking, LockBox Services, and HR/Payroll Merchant Services.
- Financial Planning and Wealth Management Advisory services including Insurance Planning, Business Planning, Wealth Management Planning, Estate and Legacy Planning, Retirement Planning, Comprehensive Financial Planning, and Investment Strategies for individuals and businesses.
Quantifiable outcome
- Nonperforming loans at only 0.20% of total loans
- +2 more outcomes
Companies that use Pinnacle Bank
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Pinnacle Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Pinnacle Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Morris State Bancshares, Inc.coreMerger partner combining Pinnacle Bank ($2.2B assets) with Morris State Bancshares ($1.5B assets) to form Vallant Financial, Inc. with approximately $3.98 billion in combined assets. Each Morris common share was converted into 0.1095 shares of Vallant common stock. The merger created the largest Georgia-based community bank holding company.
- Morris BankcoreOriginal merger partner that combined with Pinnacle Bank to form Vallant Bank. Morris Bank operated as a separate Georgia community bank prior to the merger creating the combined entity with 36 branches across Georgia.
- Pinnacle Bank (Original)coreOriginal Georgia community bank that merged with Morris Bank and was rebranded as Vallant Bank. Pinnacle Bank had approximately $2.2 billion in assets and served communities across Georgia.
Scale indicators8 records
Recent moves8 records
Expansion highlights5 records
Pinnacle Bank competitors and assessment
Company assessmentDirect peers
- United Community Banks: Georgia-headquartered community bank serving similar Southeast markets with retail, commercial, and mortgage products. Closest direct comparable by both geographic footprint and customer mix.
- Ameris Bancorp: Atlanta-headquartered community bank holding company with a similar mix of retail, commercial, and mortgage banking across the Southeast. Most direct comparable in geography, business model, and asset size band.
- Colony Bankcorp: Georgia-based community bank focused on retail and small-business banking across Middle and South Georgia. Highly comparable geographic concentration and customer profile.
- Renasant Corporation: Mississippi-based community bank holding company with comparable retail/commercial mix and similar asset size. Directly comparable operating model across Southeastern markets.
- ServisFirst Bancshares: Birmingham, Alabama-based community bank with comparable commercial banking focus, treasury management, and similar asset size band. Closely comparable business model and operating metrics.
Broad incumbents
- Synovus Financial: Large regional bank headquartered in Columbus, Georgia, offering retail, commercial, and wealth management services across the Southeast. Larger incumbent with overlapping markets and customer base.
- SouthState Corporation: Large Southeast regional bank serving similar retail and commercial customer segments. Larger incumbent with overlapping Georgia and Southeast presence.
- Cadence Bank: Regional bank with strong Southeast presence offering retail, commercial, and treasury management products. Larger competitor operating in adjacent Southeast geographies.
Emerging players
- Live Oak Bancshares: Community bank with strong SBA lending focus, comparable to Pinnacle's SBA loan franchise. Overlaps in niche small-business lending rather than direct retail competition.
Regional players
- First Bancorp: Community bank operating in adjacent Southeast markets with similar retail/SMB focus. Comparable model but operates in different state geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pinnacle Bank social profiles
Digital presencePinnacle Bank compliance and trust
Trust signalCompliance1 record
Pinnacle Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pinnacle Bank leadership team
Management profileNumber of profiles
Profiles3 records
Pinnacle Bank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pinnacle Bank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pinnacle Bank
What does Pinnacle Bank do?
Pinnacle Bank, now operating as Vallant Bank following the April 2026 merger with Morris State Bancshares, is a Georgia-based community bank offering personal checking and savings accounts, business banking products including SBA and agricultural loans, residential mortgages, treasury management, and financial planning/wealth advisory services distributed through a 36-branch network across 22 Georgia counties complemented by mobile and online banking channels.
Is Pinnacle Bank a public or private company?
Pinnacle Bank is a private company. It is classified as public and is currently acquired.
When was Pinnacle Bank founded?
Pinnacle Bank was founded in 1900. It employs 251 to 500 people.
Where is Pinnacle Bank based?
Pinnacle Bank is headquartered in Elberton, United States, in the North America region.
How does Pinnacle Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and financial Planning and Wealth Management.
Who are Pinnacle Bank's main competitors?
Direct peers on record are United Community Banks, Ameris Bancorp, Colony Bankcorp, Renasant Corporation and ServisFirst Bancshares. Broad incumbents are Synovus Financial, SouthState Corporation and Cadence Bank. Live Oak Bancshares is listed as an emerging player. First Bancorp is listed as a regional player.
Does Pinnacle Bank have an API?
No public API is recorded for Pinnacle Bank.
What industry is Pinnacle Bank in?
Pinnacle Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAG, Affluent/Premier Retail Banking (Mass Affluent). Its NAICS code is 52211 and its SIC code is 6022.