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 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.
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.
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.
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.
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 community.
Organizations We Support
- Nashville Entrepreneur Center – Renew Nashville, PreFlight & InFlight Programs – 2020, 2021
- Nashville Sports Council – 2020, 2021
- Book’em Nashville – 2020, 2021
- Nashville Chamber of Commerce – Partnership 2020 – 2020, 2021
- Young Leaders Council – 2020, 2021
- Council on Aging of Middle Tennessee – 2020, 2021
- The Branch of Nashville – 2020, 2021
- Transit Alliance of Middle Tennessee – 2020
- National Health Care for the Homeless Council – 2020, 2021
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.
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!).
Seth McGill, Chief Financial Officer
Seth has found that working with a team that has a shared vision of creating long-term value for clients, the community, employees, and shareholders is his most rewarding and favorite thing about his time at Fourth Capital. He believes that listening to the goals and objectives of his clients is the first step to a consistent, principled approach. If he can craft a strategy to offer premium service to meet those needs while staying within the confines of the bank’s guiding principles, he can build and nurture a sustainable, mutually beneficial relationship.
Sandi Lanier, EVP, Operations and Compliance
With more than four decades of financial services expertise, Sandi has an extensive background in managing various loan operational areas. Most recently, she served as Executive Vice President of Operations & Compliance for CapStar Bank. While there, she was responsible for the deposit operation, loan operation, and compliance departments of the bank, including overseeing the restructuring of its Loan Operations Department and the creation of its Compliance Department.
Chet Alexander, Chief Credit Officer
Chet Alexander has more than 25 years of credit experience, focusing on commercial and agricultural lending and loan operations. Prior to joining Fourth Capital, he held several senior-level positions at Simmons Bank. Previously, Alexander also served as Chief Credit Officer for First State Bank where he spent 16 years. In this role, he navigated and restructured complex loan relationships for banks to better serve clients. Alexander holds a Bachelor of Business Administration from the University of Tennessee at Martin and holds multiple certifications in the banking and lending space.
Paul Jadwin, Chief Technology Officer
Paul is responsible for developing, implementing and overseeing a technology plan that supports the strategic goals of the bank, while focusing on security and efficiency. He has more than 20 years of experience in the banking industry, most recently serving as a Senior Account Executive at Fiserv, where he helped community banks evaluate and select software solutions that were in alignment with their strategic plans. He holds a bachelor’s degree in Management from Athens State University and also graduated from the Community Banking Association of Alabama’s School of Banking at Samford University.
Melinda Pulliam, Senior Vice President, Retail Sales Manager
Melinda believes everyone has a story. When you take time to listen and understand a person’s story, you build a relationship and trust naturally. It is not about what products and services you offer. It is about realizing the uniqueness of each business and person and finding a mutually beneficial solution. Her favorite quote by Ralph Waldo Emerson says, “Nothing great was ever achieved without enthusiasm.” Those that know Melinda know enthusiasm is something she has plenty of. Outside of the office, you can find her with her family at a baseball park, on a soccer field, skiing, boating, hiking, or at a dance competition.
David Sturdivant, EVP, Treasury Management
David works with his clients to understand their needs and objectives in order to recommend solutions that help businesses manage cash flows more efficiently. At Fourth Capital, he enjoys the positive collaboration of experienced banking professionals that are genuinely eager to share their knowledge for the benefit of the client. In his free time, he enjoys refinishing antique furniture, landscaping his yard and running. Rooted in Tennessee history, David’s grandparents were Johnnie Wright and the Queen of Country Music, Kitty Wells.
Mary Slater, SVP, Marketing and Human Resources
Mary enjoys the team collaboration at Fourth Capital and that she has the opportunity to help build something from scratch that will add to the energy and growth of Nashville. Her biggest financial takeaway is to never compare your situation with others and take the long-term view. Mary’s mother passed down her love for sewing, and now enjoys sewing quilts and clothes for her two children in her free time.
Tricia Swann, EVP, Williamson County Executive
Tricia is a naturally curious person. But her questions are never motivated by what she can get from them — she wants to learn about their story, discover what she can do for them and how she can support them through that process. She believes that trust is built by being sincerely interested in a client’s past, present and future. As a runner up at Miss Tennessee in 1993, she knows a thing or two about stepping outside of her comfort zone and moving past fear to try new things. Outside of work, you’ll find Tricia spending time with her family and cheering on the Volunteers since her daughter becomes a freshman at the University of Tennessee in the Fall.
Chris McCall, EVP, Chief Lending Officer
Chris has over two decades of experience in the banking industry. As chief lending officer, he runs Fourth Capital’s commercial lending team, focused on helping local businesses access capital and financing needed to manage, grow and flourish here in Middle Tennessee. His career started at the American International Group (AIG) in Atlanta, Georgia, where he served as branch manager. He then went on to serve in various senior business banking roles in both Chicago and Nashville.
Chris attended Purdue University, where he received his Bachelor of Arts degree in Communications, Organizational Leadership and Supervision. He also earned a Master of Business Administration from Loyola University’s Graduate School of Business as well as a Masters of Jurisprudence from Loyola University’s School of Law. He is a dad of two and resides in Nashville.
- Board of Directors
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.