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.
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
Privately held and locally owned, Fourth Capital was built and continues to transform as a part of a generational vision. As more and more community banks vanish across the country, we’re proud to say ours is here for the long haul.
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.
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.
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.
Organizations We Support
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.
Brian Heinrichs, 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!).
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.
Seth McGill, EVP, 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.
Eddie Maynard, EVP, Chief Credit Officer
Eddie is responsible for building out credit processes and policies for Fourth Capital. He has held a presence in Franklin’s banking industry for 25 years, spanning both lending and credit functions. His experience includes loan origination and production, underwriting, sales management, credit risk management, loan policy and procedure documentation, loan workout and examiner exam compliance. Most recently, Eddie served as SVP, Regional Credit Officer for FirstBank. Previously, he served as EVP, Chief Credit Officer for Franklin Synergy Bank. Eddie is deeply ingrained in the Franklin community. He is a graduate of West Virginia University and The Graduate School of Banking at Louisiana State University. Outside of the office, Eddie enjoys attending concerts and sporting events with his wife and son.
Sandi Lanier, EVP, Chief Operating Officer
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.
Mary Slater, EVP, Chief Culture Officer
Mary enjoys the team collaboration at Fourth Capital and that she has the opportunity to help build something that will add to the energy and long-term growth of Nashville. Mary’s role as Chief Culture Officer focuses on both the internal and external culture that we’re building at Fourth Capital. In addition to overseeing the bank’s overall people strategy, her responsibilities include overseeing our brand presence, events, advertising, and marketing initiatives. Mary earned her bachelor’s degree in marketing from Lipscomb University. Outside of the office, she spends her time with her husband and two children.
Paul Jadwin, EVP, 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, EVP, Chief Client Officer
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 clients to understand their needs and objectives in order to recommend solutions that help manage cash flows more efficiently. At Fourth Capital, he enjoys the positive collaboration of our experienced banking professionals that are genuinely eager to share their knowledge for the benefit of the client. David received his bachelor’s degree in marketing from the University of Mississippi, and holds over 30 years of Treasury Management experience. Rooted in Tennessee history, David’s grandparents were Johnnie Wright and the Queen of Country Music, Kitty Wells. Outside of the office, David enjoys being with family and friends, running, and performing any type of work outside around his yard.
Pratt Lewis, EVP, Chief Innovation Officer
Pratt’s mission is creating a high-impact innovation strategy that aligns with the bank’s culture and long-term goal of providing digital tools with human touch. Holding over 20 years of banking experience, Pratt has been on the frontlines of innovation in the banking industry. He believes focusing on user experience and needs is what drives efficiency in technology. Pratt received his bachelor’s degree in religion from Sewanee: The University of the South and earned his MBA from Millsaps College. He is also a graduate of the Mississippi School of Banking at the University of Mississippi, and the Graduate School of Banking at Louisiana State University.
Clark Bradley, EVP, Director of Strategic Initiatives
Clark works as a liaison between clients, credit, operations, and all other aspects of the bank. He holds 12 years of commercial banking experience in regional and community bank settings. His experience includes portfolio management, credit monitoring, and relationship building. Clark is a graduate of Mississippi State University and the Southeastern School of Commercial Lending. In his time away from work, Clark enjoys watching baseball, traveling, and golfing.
- Board of Directors
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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