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. The team at Fourth Capital shares one common characteristic: the desire to serve our 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 our flagship location at Peabody Plaza in Nashville’s Rolling Mill Hill neighborhood.

At the Heart of How We Work

Long-Term Vision

Privately held and locally owned, Fourth Capital was built and continues to transform as a part of a generational vision.

Team Approach

At Fourth Capital, you don’t just have a relationship with a banker. You have a relationship with a bank. We operate as a team to provide more value to our clients with a level of service you just won’t experience anywhere else.

Digital Tools with Human Touch

We are currently experiencing the Fourth Industrial Revolution – a fundamental shift in how 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 thrives and remains relevant through changing times.

Community Focus

Our bank is built on the idea that we only succeed when our client—the Middle Tennessee community—succeeds. This may sound strange, but our goal is not to make money. Rather, we are focused on long-term value creation for our customers where we achieve mutual benefit for everyone involved for years to come.

Giving Back

We're Here to Make an Impact

Community involvement is in our DNA. 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 team is 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.

Our Leadership

At Fourth Capital, we place as much emphasis on culture 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.

  • David McDaniel, President, Chief Banking Officer

    David has a passion for building strong teams to serve clients and their specific needs. He boasts over 30 years of financial services experience serving customers in Middle Tennessee. David is a native Nashvillian and most recently served as a regional vice president with FirstBank. Previously, he was EVP, Chief Lending Officer, and Williamson County President of Franklin Synergy Bank. David is a graduate of the American Bankers Association Private Wealth Management School at Emory University and received both his bachelor’s and master’s degrees from the University of Tennessee Knoxville. David is an active member of the greater Nashville community, and enjoys hiking in national parks and attending local sporting events in his free time.

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Our Team

Work With Us

It’s all about 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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