Decidedly Local

About Us

Built on the Principle of Mutual Benefit

A shared home, engaging people, an inviting place to gather, genuine interest in you and what you do, trust that time and familiarity create – this is what true personal service and real relationship banking is about. It’s what Fourth Capital is committed to. Our full-service, Nashville bank offers clients a range of custom products and services for both individuals and businesses. Fourth Capital’s bankers are some of the most experienced in the Middle Tennessee market, and they share one common characteristic: the desire to serve their clients better than anyone else.

Our Story

We are Rooted in Tennessee History

Did you know Nashville is the fourth Tennessee state capital? Nashville follows Knoxville, Murfreesboro and Kingston. The name Fourth Capital alludes to our hometown’s history and represents a bank that will stand proudly on the Cumberland River greeting everyone who arrives at Music City for generations to come. Formerly Tennessee Bank & Trust, Fourth Capital entered the Middle Tennessee market in 2004 by establishing a branch in Franklin and then in Nashville in 2006. In July 2020, we opened a flagship location at Peabody Plaza in Nashville’s Rolling Mill Hill neighborhood. We are one of eight banks wholly owned by entrepreneur, Gaylon M. Lawrence, Jr.

At the Heart of How We Work

Long-Term Value Creation

Mutual benefit for all is the only way to achieve long-term success. Privately held and locally-owned, Fourth Capital has been built and continues to transform as a part of a generational vision. This is our shared future, and we’re here for the long haul.


We are currently experiencing the Fourth Industrial Revolution – a fundamental shift in the way we live, work and relate to each other through a combination of humans and technology. Another nod to our name, Fourth Capital is a bank that will thrive and be relevant through changing times.

Challenge Process

Truth is what gets results. Seeking, sharing, discussing, or challenging ideas and plans for the purpose of continual improvement plays a crucial role in our success.

Community Focus

Our purpose establishes more than just who we want to be or what we want to do, but why we want to do it in the first place – for our customers, for our community and for each other.

Giving Back

We're Here to Make an Impact

Community involvement is in our DNA, and our people donate their time, talent and treasure to the greater good of this big city and small town that we love. From group projects to individual volunteerism, our associates are known for their caring hearts and helping hands. We listen, we share ideas and we roll up our sleeves and get to work side-by-side with our neighbors. As a company, we partner with a wide variety of organizations to strengthen our Nashville community.

Organizations We Support

Our Leadership

At Fourth Capital, we place as much emphasis on virtues as on talent. The people we hire are unapologetic about their core beliefs and want to help build something meaningful. But great work isn’t done alone. Together, we are driven by a common purpose and guided by our shared virtues and principles.

  • Leadership
  • Brian Heinrichs, President and Chief Executive Officer

    Brian is proud to say he carved out a career that keeps him focused on what is most important in life. He believes that it is possible to have a successful career while treating people with respect, not profiting off the backs of others and still maintaining healthy relationships at home. At Fourth Capital, he enjoys planning and working with his clients and co-workers to develop solutions with long-term benefits for all stakeholders. Outside of work, you’ll find Brian seeing Broadway shows with his family or attending a Pearl Jam concert (he’s seen them almost 60 times in 8 different countries!).

  • Board of Directors

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The Fourth Way

It all begins with people. Which is why we’ve set out to build a place where ideas and merit win, not titles and pedigree. It’s about the ‘what’ and not the ‘who’. We’re looking for people who are motivated to create, contribute, and eager to take on new challenges.

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