Form 8-K
8-K — Pinnacle Financial Partners, Inc.
Accession: 0002082866-26-000075
Filed: 2026-07-22
Period: 2026-07-22
CIK: 0002082866
SIC: 6021 (NATIONAL COMMERCIAL BANKS)
Item: Results of Operations and Financial Condition
Item: Regulation FD Disclosure
Item: Financial Statements and Exhibits
Documents
8-K — pnfp-20260722.htm (Primary)
EX-99.1 (pnfp_06302026xex991xfiling.htm)
EX-99.2 (pnfp_06302026xex992filin.htm)
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8-K
8-K (Primary)
Filename: pnfp-20260722.htm · Sequence: 1
pnfp-20260722
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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
July 22, 2026
Date of Report
(Date of Earliest Event Reported)
Pinnacle Financial Partners, Inc.
(Exact Name of Registrant as Specified in its Charter)
Georgia 001-43038 39-3738880
(State of Incorporation) (Commission File Number) (IRS Employer Identification No.)
3400 Overton Park Drive, Atlanta, Georgia 30339
(Address of principal executive offices) (Zip Code)
(706) 641-6500
(Registrant’s telephone number, including area code)
__________________________
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol Name of each exchange on which registered
Common Stock, $1.00 Par Value
PNFP
New York Stock Exchange
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A
PNFP - PrA
New York Stock Exchange
Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B
PNFP - PrB
New York Stock Exchange
Depositary Shares, each representing 1/40 interest in a Share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock Series C
PNFP - PrC
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition
On July 22, 2026, Pinnacle Financial Partners, Inc. (the "Company") issued a press release announcing the Company’s financial results for the three and six month period ended June 30, 2026.
Pursuant to General Instruction F to Current Report on Form 8-K, the press release is attached to this Current Report as Exhibit 99.1 and only those portions of the press release related to the historical results of operations of the Company for the three and six month period ended June 30, 2026 are incorporated into this Item 2.02 by reference. The information contained in this Item 2.02, including the information set forth in the press release filed as Exhibit 99.1 to, and incorporated in, this Current Report is being "furnished" and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that Section. The information in Exhibit 99.1 furnished pursuant to this Item 2.02 shall not be incorporated by reference into any registration statement or other documents pursuant to the Securities Act of 1933, as amended (the "Securities Act"), or into any filing or other document pursuant to the Exchange Act except as otherwise expressly stated in any such filing.
Item 7.01 Regulation FD Disclosure
On July 22, 2026, the Company made available the slide presentation ("Slide Presentation") prepared for use with the press release. The investor call and webcast will be held at 8:00 a.m., ET, on July 23, 2026.
The information contained in this Item 7.01 of this Current Report, including the information set forth in the Slide Presentation filed as Exhibit 99.2 to, and incorporated in, this Current Report, is being "furnished" and shall not be deemed "filed" for the purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that Section. The information in Exhibit 99.2 furnished pursuant to this Item 7.01 shall not be incorporated by reference into any registration statement or other documents pursuant to the Securities Act or into any filing or other document pursuant to the Exchange Act except as otherwise expressly stated in any such filing.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit No. Description
99.1
Pinnacle press release dated July 22, 2026.
99.2
Slide presentation prepared for use with the press release.
Signature
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, Pinnacle Financial Partners, Inc. has caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
PINNACLE FINANCIAL PARTNERS, INC.
Date: July 22, 2026
By: /s/ Allan E. Kamensky
Name: Allan E. Kamensky
Title: Executive Vice President and Chief Legal Officer
EX-99.1
EX-99.1
Filename: pnfp_06302026xex991xfiling.htm · Sequence: 2
Document
Exhibit 99.1
Media Contact
Investor Contact
Joe Bass
Samantha W. Tyagi
615-743-8219 404-364-2715
joe.bass@pnfp.com samantha.tyagi@synovus.com
Pinnacle Financial Partners announces earnings for second quarter 2026
Diluted earnings per share of $2.07 versus $2.00 in 2Q25
Adjusted diluted earnings per share of $2.50 versus $2.00 in 2Q25
ATLANTA, July 22, 2026 - Pinnacle Financial Partners, Inc. (NYSE: PNFP) today reported financial results for the quarter ended June 30, 2026. Net income available to common shareholders was $313 million, or $2.07 per diluted share in second quarter 2026. Excluding merger-related expenses, investment securities losses and certain other items, adjusted net income available to common shareholders was $379 million, or $2.50 per diluted share.
“The Pinnacle model is working. Our second quarter results prove it scales with discipline intact, delivering outsized growth in loans and earnings per share without compromising the culture and client connections that set this firm apart. One year since our merger announcement, we're picking up speed, attracting top talent and deepening our client relationships. The team is executing, and with meaningful work still ahead, I am confident our strategy will continue to deliver, today, next quarter and over the long term,” said Pinnacle President and CEO Kevin Blair.
Second Quarter 2026 Performance
•The merger of Pinnacle Financial Partners, Inc. (“Pinnacle” or “legacy Pinnacle”) and Synovus Financial Corp. (“Synovus”) closed on Jan. 1, 2026. Reported results for Pinnacle reflect the combined organization in second quarter 2026 and first quarter 2026 and legacy Pinnacle in prior periods, unless stated otherwise. Year-over-year comparisons are significantly impacted by the merger given the magnitude of the acquired balance sheet and the effect of purchase accounting. Prior periods’ consolidated financial statements are reclassified whenever necessary to conform to the current periods’ presentation.
•Our hiring efforts remain very successful and consistent. Pinnacle added 74 experienced revenue producers during the second quarter, compared to 50 in first quarter 2026 and a combined 65 in the prior-year period.
•Period-end loans were $88.1 billion at June 30, 2026 up $2.9 billion or 3% from the prior quarter. The majority of the loan growth was in commercial and industrial credits and was diverse by geography and supported by specialty lending.
•Period-end deposits were $100.9 billion, up $795 million or 1% from the prior quarter. Second quarter deposit growth reflects Pinnacle’s historical seasonal growth pattern.
•Net interest income grew 2% to $956 million in second quarter 2026. On a linked-quarter basis, the net margin declined 9 basis points to 3.44%, driven primarily by first quarter non-recurring items, modest pressure from lower SOFR rates on loan yields, and incremental wholesale funding reliance due to deposit seasonality.
•Non-interest revenue was $247 million in second quarter 2026. Excluding investment securities losses and certain other items, adjusted non-interest revenue was $270 million. Linked-quarter adjusted non-interest revenue declined $12 million from the first quarter, driven by a decrease in income from our equity-method investment in BHG which was the result of an intentional shift in placement strategy by BHG during the quarter.
•Non-interest expense was $721 million in second quarter 2026. Excluding merger-related expense and certain other items, adjusted non-interest expense was $662 million, down 2% on a linked-quarter basis, as realized merger synergies and lower personnel costs more than offset continued investments in revenue producers and technology. The efficiency ratio-TE was 59.4% in second quarter 2026, while the adjusted tangible efficiency ratio was 49.8%.
•Credit performance remained strong. The non-performing asset ratio was 0.50% at period-end compared to 0.58% in the prior quarter. The second quarter 2026 net charge-off ratio was 0.22%, which was in line with expectations and compares to 0.23% in first quarter 2026. Provision for credit losses was $63 million in second quarter 2026. The allowance for credit losses ratio (to loans) was 1.17%, while the allowance coverage of non-performing loans was 248.18%. The change in the allowance quarter-over-quarter was driven largely by loan growth offset in part by a decline in reserves for individually analyzed credits.
•The preliminary Common Equity Tier 1 (CET1) ratio ended second quarter 2026 at 9.93%, up from 9.81% in the first quarter.
Second Quarter 2026 Summary
Reported Adjusted
(dollars in millions) 2Q26 1Q26 2Q25 2Q26 1Q26 2Q25
Net income available to common shareholders $ 313 $ 135 $ 155 $ 379 $ 363 $ 155
Diluted earnings per share 2.07 0.89 2.00 2.50 2.39 2.00
Total revenue 1,203 1,217 505 1,238 1,229 518
Total loans 88,076 85,197 37,105 NA NA NA
Total deposits 100,898 100,103 45,022 NA NA NA
Return on avg assets(1)
1.06 % 0.50 % 1.18 % 1.27 % 1.26 % 1.18 %
Return on avg common equity(1)
9.01 3.96 9.72 10.90 10.65 9.72
Return on avg tangible common equity(1)
14.89 7.58 13.84 17.70 17.69 13.84
Net interest margin(2)
3.44 3.53 3.23 NA NA NA
Efficiency ratio-TE(2)(3)
59.4 77.4 55.2 49.8 51.3 54.9
NCO ratio-QTD 0.22 0.23 0.20 NA NA NA
NPA ratio 0.50 0.58 0.44 NA NA NA
CET1 ratio(4)
9.93 9.81 10.70 NA NA NA
(1) Annualized
(2) Taxable equivalent
(3) Adjusted tangible efficiency ratio
(4) Current period ratio preliminary
NA - not applicable
Balance Sheet
Loans*
(dollars in millions) 2Q26 1Q26 Linked Quarter Change Linked Quarter % Change
Commercial & industrial $ 51,115 $ 48,197 $ 2,918 6 %
Commercial real estate 23,595 23,760 (165) (1)
Consumer 13,366 13,240 126 1
Total loans $ 88,076 $ 85,197 $ 2,879 3 %
*Amounts may not total due to rounding.
Deposits*
(dollars in millions) 2Q26 1Q26 Linked Quarter Change Linked Quarter % Change 2Q25 Year/Year Change Year/Year % Change
Non-interest-bearing DDA $ 20,657 $ 20,388 $ 269 1 % $ 8,663 $ 11,994 138 %
Interest-bearing DDA 28,708 30,666 (1,958) (6) 14,301 14,407 101
Money market 36,343 34,008 2,335 7 16,329 20,014 123
Savings 1,784 1,865 (81) (4) 788 996 126
Time deposits 13,406 13,176 230 2 4,941 8,465 171
Total deposits $ 100,898 $ 100,103 $ 795 1 % $ 45,022 $ 55,876 124 %
*Amounts may not total due to rounding and prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.
Income Statement Summary**
(in millions, except per share data, share count in thousands) 2Q26 1Q26 Linked Quarter Change Linked Quarter % Change 2Q25 Year/Year Change Year/Year % Change
Net interest income $ 956 $ 933 $ 23 2 % $ 380 $ 575 151 %
Non-interest revenue 247 284 (37) (13) 125 122 97
Non-interest expense 721 952 (231) (24) 286 435 152
Provision for (reversal of) credit losses 63 76 (13) (17) 24 39 160
Income before taxes $ 419 $ 189 $ 230 121 $ 195 $ 223 114
Income tax expense (benefit) 91 39 52 133 36 56 156
Net income 328 150 177 118 159 167 104
Less: Preferred stock dividends 15 15 — (1) 4 11 290
Net income available to common shareholders $ 313 $ 135 $ 178 131 % $ 155 $ 157 101%
Weighted average common shares outstanding, diluted 151,468 151,471 (3) — 77,277 74,191 96 %
Diluted earnings per share $ 2.07 $ 0.89 $ 1.18 133 $ 2.00 $ 0.07 4
Adjusted diluted earnings per share 2.50 2.39 0.11 5 2.00 0.50 25
Effective tax rate 21.7% 20.6% 18.5%
** Amounts may not total due to rounding and changes are calculated using unrounded amounts and may differ from calculations based on rounded figures. Additionally prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.
Second Quarter 2026 Earnings Webcast and Conference Call
Pinnacle will host a conference call and webcast to discuss second quarter 2026 earnings results with an accompanying slide presentation at 8 a.m. ET on July 23, 2026. Shareholders and other interested parties may listen to this conference call via simultaneous internet broadcast at investors.pnfp.com/events-presentations. Participants may also access the conference call at 888-506-0062 using the code 175220. The replay will be archived for at least 12 months and will be available approximately one hour after the call.
Pinnacle Financial Partners, Inc. (“Pinnacle”) is a $129.1 billion asset regional bank which provides a full range of banking, investment, trust, mortgage and insurance products and services for commercial and consumer clients who want a comprehensive relationship with their financial institution. The firm joined forces with Synovus on Jan. 1, 2026, bringing together more than 160 years of combined banking service. Pinnacle is the largest bank headquartered in Tennessee and the largest bank holding company headquartered in Georgia. The firm is No. 1 in deposit market share in the Nashville MSA and No. 4 in the Atlanta MSA with offices in Tennessee, Georgia, Florida, North Carolina, South Carolina, Alabama, Kentucky, Virginia and Maryland (based on June 30, 2025 FDIC market share data).
Pinnacle is an employer of choice for financial services professionals. The firm is No. 12 in FORTUNE magazine’s 2026 list of 100 Best Companies to Work For® in the U.S., its tenth consecutive appearance. Pinnacle was also recognized by American Banker as No. 4 among America’s Best Banks to Work For in 2025, its 13th consecutive year on the list, and No. 1 among banks with more than $10 billion in assets.
Forward-Looking Statements
This press release and certain of our other filings with the Securities and Exchange Commission contain statements that constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward-looking statements. You can identify these forward-looking statements through Pinnacle’s use of words such as “believes,” “anticipates,” “expects,” “may,” “will,” “assumes,” “should,” “predicts,” “could,” “would,” “intends,” “targets,” “estimates,” “projects,” “plans,” “potential” and other similar words and expressions of the future or otherwise regarding the outlook for Pinnacle’s future business and financial performance and/or the performance of the banking industry and economy in general. These forward-looking statements include, among others, our expectations regarding the anticipated benefits and risks related to the recently-completed business combination with Synovus Financial Corp., our future operating and financial performance; expectations on our intended strategies, initiatives, and other operational and execution goals; expectations on credit quality and performance; and the assumptions underlying our expectations. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties which may cause the actual results, performance or achievements of Pinnacle to be materially different from the future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements are based on the information known to, and current beliefs and expectations of, Pinnacle’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those contemplated by such forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements in this press release. Many of these factors are beyond Pinnacle’s ability to control or predict.
These forward-looking statements are based upon information presently known to management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without limitation, the risks and other factors set forth in Pinnacle's filings with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2025, under the captions “Cautionary Notice Regarding Forward-Looking Statements” and “Risk Factors” and in Pinnacle's quarterly reports on Form 10-Q, current reports on Form 8-K and other filings and reports filed with the Securities and Exchange Commission. We believe these forward-looking statements are reasonable; however, undue reliance should not be placed on any forward-looking statements, which are based on current expectations and speak only as of the date that they are made. We do not assume any obligation to update any forward-looking statements as a result of new information, future developments or otherwise, except as otherwise may be required by law.
PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF INCOME – UNAUDITED
INCOME STATEMENT DATA
Six Months Ended June 30,
(In millions, except per share data, share count in thousands) 2026 2025 '26 vs '25
% Change
Interest income $ 3,082 $ 1,365 126 %
Interest expense 1,193 619 93
Net interest income 1,889 746 153
Provision for (reversal of) credit losses 139 41 237
Net interest income after provision for credit losses 1,750 705 148
Non-interest revenue:
Core banking fees 184 64 186
Wealth management revenue 169 65 160
Income from equity method investment 55 46 18
Capital markets income 36 6 482
Income from bank-owned life insurance 39 23 70
Investment securities gains (losses), net (26) (13) 109
Total loan sales and servicing 19 12 59
Other non-interest revenue 55 18 206
Total non-interest revenue 531 221 139
Non-interest expense:
Salaries and other personnel expense 774 351 120
Net occupancy, equipment, and software expense 199 86 130
Amortization of intangibles 94 3 nm
FDIC insurance and other regulatory fees 43 18 133
Merger-related expense 326 — nm
Other operating expenses 237 103 131
Total non-interest expense 1,673 561 198
Income before income taxes 608 365 66
Income tax expense 130 66 97
Net income 478 299 59
Less: Preferred stock dividends 30 8 291
Net income available to common shareholders $ 448 $ 291 53 %
Net income per common share, basic $ 2.97 $ 3.79 (22) %
Net income per common share, diluted 2.96 3.77 (21)
Cash dividends declared per common share 1.00 0.48 108
Return on average assets * 0.79 % 1.13 % (34) bps
Return on average common equity * 6.51 9.26 nm
Weighted average common shares outstanding, basic 151,051 76,809 97 %
Weighted average common shares outstanding, diluted 151,470 77,212 96
nm - not meaningful
bps - basis points
* - ratios are annualized
Amounts may not total due to rounding and percentage changes are calculated using unrounded amounts and may differ from calculations based on rounded figures.
Prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.
PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF INCOME – UNAUDITED
INCOME STATEMENT DATA
2026 2025 Second Quarter
(In millions, except per share data, share count in thousands) Second Quarter First Quarter Second Quarter '26 vs '25
% Change
Interest income $ 1,568 1,514 695 125 %
Interest expense 612 581 315 94
Net interest income 956 933 380 151
Provision for (reversal of) credit losses 63 76 24 160
Net interest income after provision for credit losses 893 857 356 151
Non-interest revenue:
Core banking fees 93 91 32 189
Wealth management revenue 85 84 32 163
Income from equity method investment 24 31 26 (8)
Capital markets income 18 18 4 403
Total loan sales and servicing 9 10 6 65
Income from bank-owned life insurance 19 20 13 45
Investment securities gains (losses), net (29) 3 — nm
Other non-interest revenue 28 27 12 129
Total non-interest revenue 247 284 125 97
Non-interest expense:
Salaries and other personnel expense 378 396 180 110
Net occupancy, equipment, and software expense 102 97 44 133
Amortization of intangibles 46 48 1 nm
FDIC insurance and other regulatory fees 20 23 8 167
Merger-related expense 51 275 — nm
Other operating expenses 124 113 53 132
Total non-interest expense 721 952 286 152
Income before income taxes 419 189 195 114
Income tax expense 91 39 36 156
Net income 328 150 159 104
Less: Preferred stock dividends 15 15 4 290
Net income available to common shareholders $ 313 135 155 101 %
Per share information:
Net income per common share, basic $ 2.07 0.89 2.01 3 %
Net income per common share, diluted 2.07 0.89 2.00 4
Cash dividends declared per common share 0.50 0.50 0.24 108
Return on average assets * 1.06 % 0.50 % 1.18 % (12) bps
Return on average common equity * 9.01 3.96 9.72 (71) bps
Weighted average common shares outstanding, basic 151,104 150,998 76,891 97 %
Weighted average common shares outstanding, diluted 151,468 151,471 77,277 96
nm - not meaningful
bps - basis points
* - ratios are annualized
Amounts may not total due to rounding and percentage changes are calculated using unrounded amounts and may differ from calculations based on rounded figures.
Prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.
PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONDENSED CONSOLIDATED BALANCE SHEETS – UNAUDITED
June 30, 2026 December 31, 2025 June 30, 2025
(In millions)
ASSETS
Cash and due from banks $ 648 $ 359 $ 377
Federal funds sold, securities purchased under resale agreements, and interest earning deposits with banks 7,003 3,206 2,612
Cash, cash equivalents, and restricted cash 7,651 3,565 2,989
Investment securities held to maturity, net 2,448 2,591 2,688
Investment securities available for sale 18,153 6,567 6,379
Loans held for sale (includes $42 million at fair value as of Jun 30, 2026)
651 97 211
Loans, net of deferred fees and costs 88,076 39,154 37,105
Allowance for loan losses (956) (442) (422)
Loans, net 87,120 38,712 36,683
Premises, equipment, and software, net 903 352 333
Cash surrender value of bank-owned life insurance 2,200 1,223 1,199
Goodwill 3,479 1,849 1,849
Core deposits and other intangible assets, net 1,045 30 19
Other assets 5,405 2,720 2,451
Total assets $ 129,055 $ 57,706 $ 54,801
LIABILITIES AND EQUITY
Liabilities:
Deposits:
Non-interest-bearing deposits $ 20,657 $ 9,051 $ 8,663
Interest-bearing deposits 80,241 38,350 36,359
Total deposits 100,898 47,401 45,022
Federal funds purchased and securities sold under repurchase agreements 850 316 258
FHLB advances and other borrowings 10,253 2,205 2,202
Other liabilities 2,226 740 682
Total liabilities 114,227 50,662 48,164
Equity:
Shareholders' equity:
Preferred stock — no par value per share, liquidation preference 225 million non-cumulative perpetual preferred stock
Authorized — 110 million shares at Jun 30, 2026 and 10 million shares at both Dec 31, 2025 and Jun 30, 2025
Issued and outstanding —22 million shares at Jun 30, 2026, and 225,000 shares at both Dec 31, 2025 and Jun 30, 2025
781 217 217
Common stock — $1.00 par value
Authorized — 360 million shares at Jun 30, 2026 and 180 million shares authorized at both Dec 31, 2025 and Jun 30, 2025
Issued and outstanding — 151 million shares at Jun 30, 2026 and 78 million shares at both Dec 31, 2025 and Jun 30, 2025
151 78 78
Additional paid-in capital 10,120 3,144 3,131
Accumulated other comprehensive income (loss), net (247) (123) (218)
Retained earnings 4,023 3,728 3,429
Total equity 14,828 7,044 6,637
Total liabilities and equity $ 129,055 $ 57,706 $ 54,801
Amounts may not total due to rounding prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.
PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
AVERAGE BALANCES, INTEREST, AND YIELDS/RATES
(Unaudited)
Second Quarter 2026 Second Quarter 2025
(Dollars in millions)
Average Balance Interest Yield/
Rate Average Balance Interest Yield/
Rate
Assets
Interest earning assets:
Loans, net of deferred fees and costs(1)(2)
$ 86,406 $ 1,317 6.11 % $ 36,968 $ 578 6.26 %
Tax-exempt securities(2)(3)
2,536 26 4.03 3,361 32 3.87
Taxable securities(3)
17,720 187 4.22 5,625 67 4.78
Interest-earning deposits with banks 4,975 41 3.30 2,524 26 4.20
Federal funds sold and securities purchased under resale agreements
128 1 5.14 77 2 10.97
Other earning assets(4)
902 8 3.68 253 3 5.16
Total interest earning assets
112,667 1,580 5.62 48,808 708 5.82
Goodwill
3,479 1,849
Core deposits and other intangible assets, net 1,069 21
Other assets(5)
6,972 3,146
Total assets
$ 124,187 $ 53,824
Liabilities and Equity
Interest-bearing liabilities:
Interest-bearing demand deposits
$ 30,025 $ 188 2.51 % $ 14,221 $ 115 3.23 %
Money market accounts
34,383 229 2.67 16,024 124 3.09
Savings deposits
1,813 2 0.35 792 1 0.43
Time deposits
13,371 115 3.46 4,710 45 3.88
Total interest-bearing deposits 79,592 534 2.69 35,747 285 3.19
Federal funds purchased and securities sold under repurchase agreements
343 1 1.51 256 1 1.92
FHLB advances and other borrowings
6,505 77 4.72 2,266 29 5.21
Total interest-bearing liabilities
86,440 612 2.84 38,269 315 3.30
Non-interest-bearing demand deposits
20,686 8,487
Other liabilities
2,339 466
Total equity 14,722 6,602
Total liabilities and equity
$ 124,187 $ 53,824
Net interest income and net interest margin, taxable equivalent (2)(6)
$ 968 3.44 % $ 393 3.23 %
Less: taxable-equivalent adjustment
12 13
Net interest income
$ 956 $ 380
(1)Average loans are shown net of unearned income. NPLs are included. Interest income includes fees as follows: Second Quarter 2026 — $22 million, and Second Quarter 2025 — $10 million.
(2)Reflects taxable-equivalent adjustments, using the statutory federal tax rate of 21%, in adjusting interest on tax-exempt loans and securities to a taxable-equivalent basis.
(3)Securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(4)Includes loans held for sale, trading account assets, and FHLB and Federal Reserve Bank Stock.
(5)As a result of the merger, during the first quarter 2026, certain immaterial changes were made to integrate the presentation of the legacy banks' yield on investment securities, which included presenting average unrealized losses on investment securities available for sale of $(263) million as a component of other assets for the Second Quarter 2026.
(6)The net interest margin is calculated by dividing annualized net interest income-taxable equivalent (TE) by average total interest earning assets.
Amounts may not total due to rounding and yield/rates are calculated using unrounded amounts and may differ from calculations based on rounded figures.
PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
AVERAGE BALANCES, INTEREST, AND YIELDS/RATES
(Unaudited)
Six Months Ended June 30,
2026 2025
(Dollars in millions)
Average Balance Interest Yield/
Rate Average Balance Interest Yield/
Rate
Assets
Interest earning assets:
Loans, net of deferred fees and costs(1)(2)
$ 85,056 $ 2,583 6.12 % $ 36,507 $ 1,134 6.25 %
Tax-exempt securities(2)(3)
2,938 60 4.01 3,305 62 3.82
Taxable securities(3)
16,785 358 4.26 5,530 129 4.70
Interest-earning deposits with banks 5,098 88 3.49 2,584 55 4.32
Federal funds sold and securities purchased under resale agreements
138 4 5.64 68 4 11.13
Other earning assets(4)
805 15 3.84 254 7 5.11
Total interest earning assets
110,820 $ 3,108 5.65 % 48,248 $ 1,391 5.81 %
Goodwill
3,529 1,849
Core deposits and other intangible assets, net 1,074 21
Other assets(5)
7,302 3,060
Total assets
$ 122,725 $ 53,178
Liabilities and Equity
Interest-bearing liabilities:
Interest-bearing demand deposits
$ 30,012 $ 374 2.51 % $ 14,179 $ 226 3.22 %
Money market accounts
33,889 443 2.63 15,784 242 3.09
Savings deposits
1,821 3 0.37 798 2 0.44
Time deposits
13,516 235 3.50 4,521 88 3.94
Total interest-bearing deposits 79,238 1,055 2.68 35,282 558 3.19
Federal funds purchased and securities sold under repurchase agreements
344 2 1.49 243 2 1.86
FHLB advances and other borrowings
5,619 136 4.87 2,286 59 6.23
Total interest-bearing liabilities
85,201 1,193 2.82 37,811 619 3.30
Non-interest-bearing demand deposits
20,479 8,347
Other liabilities
2,390 461
Total equity 14,655 6,559
Total liabilities and equity
$ 122,725 $ 53,178
Net interest income and net interest margin, taxable equivalent (2)(6)
$ 1,915 3.48 % $ 772 3.22 %
Less: taxable-equivalent adjustment
26 26
Net interest income
$ 1,889 $ 746
(1)Average loans are shown net of unearned income. NPLs are included. Interest income includes fees as follows: 2026 — $37 million and 2025 — $20 million.
(2)Reflects taxable-equivalent adjustments, using the statutory federal tax rate of 21%, in adjusting interest on tax-exempt loans and securities to a taxable-equivalent basis.
(3)Securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(4)Includes loans held for sale, trading account assets, and FHLB and Federal Reserve Bank Stock.
(5)As a result of the merger, during the first quarter 2026, certain immaterial changes were made to integrate the presentation of the legacy banks' yield on investment securities, which included presenting average unrealized losses on investment securities available for sale of $(181) million as a component of other assets during 2026.
(6)The net interest margin is calculated by dividing annualized net interest income-taxable equivalent (TE) by average total interest earning assets.
Amounts may not total due to rounding and yield/rates are calculated using unrounded amounts and may differ from calculations based on rounded figures.
PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
LOANS OUTSTANDING BY TYPE
(Unaudited) Total Loans Total Loans Linked Quarter
(Dollars in millions)
Loan Type June 30, 2026 March 31, 2026 % Change
Commercial, Financial, and Agricultural $ 36,676 $ 34,151 7 %
Owner-Occupied 14,439 14,046 3
Total Commercial & Industrial 51,115 48,197 6
Multi-Family 6,592 7,073 (7)
Hotels 2,528 2,554 (1)
Office Buildings 2,684 2,759 (3)
Retail 3,658 3,356 9
Warehouse/Industrial 3,294 3,101 6
Other Investment Property 1,991 2,045 (3)
Total Investment Properties 20,747 20,888 (1)
1-4 Family Construction 772 769 —
1-4 Family Investment Mortgage 1,145 1,166 (2)
Total 1-4 Family Properties 1,917 1,935 (1)
Commercial Development 271 293 (8)
Residential Development 255 377 (32)
Land Acquisition 405 267 52
Land and Development 931 937 (1)
Total Commercial Real Estate 23,595 23,760 (1)
Consumer Mortgages 8,459 8,234 3
Home Equity 3,002 3,157 (5)
Credit Cards 236 227 4
Other Consumer Loans 1,669 1,622 3
Total Consumer 13,366 13,240 1
Total $ 88,076 $ 85,197 3 %
NON-PERFORMING LOANS COMPOSITION
(Unaudited) Total
Non-performing Loans Total
Non-performing Loans Linked Quarter
(Dollars in millions)
Loan Type June 30, 2026 March 31, 2026 % Change
Commercial, Financial, and Agricultural $ 138 $ 174 (21) %
Owner-Occupied 69 74 (7)
Total Commercial & Industrial 207 248 (17)
Multi-Family 35 35 —
Office Buildings 35 34 3
Shopping Centers 2 2 —
Other Investment Property 50 50 —
Total Investment Properties 122 121 1
1-4 Family Construction 1 1 —
1-4 Family Investment Mortgage 1 4 (75)
Total 1-4 Family Properties 2 5 (60)
Land and Development — — nm
Total Commercial Real Estate 124 126 (2)
Consumer Mortgages 64 61 5
Home Equity 16 17 (6)
Other Consumer Loans 4 7 (43)
Total Consumer 84 85 (1)
Total $ 415 $ 459 (10) %
nm - not meaningful
Amounts may not total due to rounding.
Prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.
PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CREDIT QUALITY DATA
(Unaudited)
(Dollars in millions) 2026 2025 Second Quarter
Second First Second '26 vs '25
Quarter Quarter Quarter % Change
Non-performing Loans (NPLs) $ 415 459 157 164 %
Other Real Estate and Other Assets 29 32 5 480
Non-performing Assets (NPAs) 444 491 162 174
Allowance for Loan Losses (ALL) 956 942 422 127
Reserve for Unfunded Commitments 73 72 13 462
Allowance for Credit Losses (ACL)
1,029 1,014 435 137
Net Charge-Offs - Quarter 48 49 19
Net Charge-Offs - YTD 97 49 33
Net Charge-Offs / Average Loans - Quarter (1)
0.22 % 0.23 0.20
Net Charge-Offs / Average Loans - YTD (1)
0.23 0.23 0.18
NPLs / Loans 0.47 0.54 0.42
NPAs / Loans, ORE and specific other assets 0.50 0.58 0.44
ACL/Loans 1.17 1.19 1.17
ALL/Loans 1.09 1.11 1.14
ACL/NPLs 248.18 221.03 277.05
ALL/NPLs 230.52 205.21 268.58
Past Due Loans over 90 days and Still Accruing $ 9 8 5 80
As a Percentage of Loans Outstanding 0.01 % 0.01 0.01
Total Past Due Loans and Still Accruing $ 127 117 53 140
As a Percentage of Loans Outstanding 0.14 % 0.14 0.14
(1) Ratio is annualized.
Amounts may not total due to rounding.
SELECTED CAPITAL INFORMATION (1)
(Unaudited)
(Dollars in millions)
June 30, 2026 December 31, 2025
Common Equity Tier 1 Capital Ratio 9.93 % 10.88
Tier 1 Capital Ratio 10.71 11.34
Total Risk-Based Capital Ratio 12.35 12.97
Tier 1 Leverage Ratio 8.95 9.57
Total Equity as a Percentage of Total Assets 11.49 12.21
Tangible Common Equity Ratio (2)
7.65 8.86
Book Value Per Common Share (3)
92.96 87.90
Tangible Book Value Per Common Share (4)
63.02 63.71
(1) Current quarter regulatory capital information is preliminary.
(2) See "Non-GAAP Financial Measures" for applicable reconciliation.
(3) Book Value Per Common Share consists of Total Equity less Preferred Stock divided by total common shares outstanding.
(4) Tangible Book Value Per Common Share consists of Total Equity less Preferred Stock and less the carrying value of goodwill and other intangible assets divided by total common shares outstanding.
Non-GAAP Financial Measures
The measures entitled adjusted non-interest revenue, non-interest expense; adjusted revenue taxable equivalent (TE); adjusted tangible efficiency ratio; adjusted pre-provision net revenue (PPNR); adjusted return on average assets; adjusted net income available to common shareholders; adjusted diluted earnings per share; adjusted return on average common equity; return on average tangible common equity; adjusted return on average tangible common equity; tangible common equity ratio; and tangible book value per common share are not measures recognized under GAAP and therefore are considered non-GAAP financial measures. The most comparable GAAP measures to these measures are total non-interest revenue; total non-interest expense; total revenue; efficiency ratio-TE; PPNR; return on average assets; net income available to common shareholders; diluted earnings per share; return on average common equity; the ratio of total shareholders' equity to total assets and book value per common share, respectively.
Management believes that these non-GAAP financial measures provide meaningful additional information about Pinnacle to assist management and investors in evaluating its operating results, financial strength, the performance of its business, and the strength of its capital position. However, these non-GAAP financial measures have inherent limitations as analytical tools and should not be considered in isolation or as a substitute for analyses of operating results or capital position as reported under GAAP. The non-GAAP financial measures should be considered as additional views of the way our financial measures are affected by significant items and other factors, and since they are not required to be uniformly applied, they may not be comparable to other similarly titled measures at other companies. Adjusted non-interest revenue and adjusted revenue (TE) are measures used by management to evaluate non-interest revenue exclusive of net investment securities gains (losses), fair value adjustments on non-qualified deferred compensation and other items not indicative of ongoing operations that could impact period-to-period comparisons. Adjusted non-interest expense and the adjusted tangible efficiency ratio are measures utilized by management to measure the success of expense management initiatives focused on reducing recurring controllable operating costs. Adjusted net income available to common shareholders, adjusted net income per common share, diluted, adjusted return on average assets and adjusted return on average common equity are measures used by management to evaluate operating results exclusive of items that are not indicative of ongoing operations and impact period-to-period comparisons. Adjusted PPNR is used by management to evaluate PPNR exclusive of items that management believes are not indicative of ongoing operations and impact period-to-period comparisons. Return on average tangible common equity and adjusted return on average tangible common equity are measures used by management to compare Pinnacle’s performance with other financial institutions because it calculates the return available to common shareholders without the impact of intangible assets and their related amortization, thereby allowing management to evaluate the performance of the business consistently. The tangible common equity ratio is used by stakeholders to assess our capital position. Tangible book value per common share is used by stakeholders to assess our financial stability and value. The computations of these measures are set forth in the tables below.
Reconciliation of Non-GAAP Financial Measures
(dollars in millions) 2Q26 1Q26 2Q25
Adjusted non-interest revenue
Total non-interest revenue $ 247 $ 284 $ 125
Investment securities (gains) losses, net 29 (3) —
Fair value adjustment on non-qualified deferred compensation (6) 1 —
Adjusted non-interest revenue $ 270 $ 282 $ 125
Adjusted non-interest expense
Total non-interest expense $ 721 $ 952 $ 286
Merger-related expense
(51) (275) —
Valuation adjustment to Visa derivative (2) (1) —
Fair value adjustment on non-qualified deferred compensation (6) 1 —
Adjusted non-interest expense
$ 662 $ 677 $ 286
Reconciliation of Non-GAAP Financial Measures, continued
(dollars in millions) 2Q26 1Q26 2Q25
Adjusted revenue (TE) and tangible efficiency ratio
Adjusted non-interest expense
$ 662 $ 677 $ 286
Amortization of intangibles (46) (48) (1)
Adjusted tangible non-interest expense
$ 616 $ 629 $ 285
Net interest income
$ 956 $ 933 $ 380
Tax equivalent adjustment 12 14 13
Net interest income (TE) 968 947 393
Net interest income $ 956 $ 933 $ 380
Total non-interest revenue
247 284 125
Total revenue
$ 1,203 $ 1,217 $ 505
Tax equivalent adjustment 12 14 13
Total TE revenue 1,215 1,231 518
Investment securities losses (gains), net 29 (3) —
Fair value adjustment on non-qualified deferred compensation (6) 1 —
Adjusted revenue (TE)
$ 1,238 $ 1,229 $ 518
Efficiency ratio-TE (1)
59.4 % 77.4 % 55.2 %
Adjusted tangible efficiency ratio (1)
49.8 51.3 54.9
Adjusted pre-provision net revenue
Net interest income $ 956 $ 933 $ 380
Total non-interest revenue 247 284 125
Total non-interest expense (721) (952) (286)
Pre-provision net revenue (PPNR) $ 482 $ 265 $ 219
Adjusted revenue (TE)
$ 1,238 $ 1,229 $ 518
Adjusted non-interest expense
(662) (677) (286)
Adjusted PPNR $ 576 $ 552 $ 232
(1) Amounts have been calculated using whole dollar values and amounts may not total due to rounding.
Reconciliation of Non-GAAP Financial Measures, continued
(In millions, except per share data, share count in thousands) 2Q26 1Q26 2Q25
Adjusted return on average assets (annualized)
Net income $ 328 $ 150 $ 159
Valuation adjustment to Visa derivative 2 1 —
Investment securities losses (gains), net 29 (3) —
Merger-related expense (1)
51 275 —
Tax effect of adjustments (2)
(16) (45) —
Adjusted net income $ 394 $ 378 $ 159
Net income annualized (3)
$ 1,316 $ 608 $ 638
Adjusted net income annualized (3)
$ 1,580 $ 1,531 $ 638
Total average assets $ 124,187 $ 121,247 $ 53,824
Return on average assets (annualized) (3)
1.06 % 0.50 % 1.18 %
Adjusted return on average assets (annualized) (3)
1.27 1.26 1.18
Adjusted net income available to common shareholders and adjusted diluted earnings per share
Net income available to common shareholders $ 313 $ 135 $ 155
Valuation adjustment to Visa derivative 2 1 —
Investment securities losses (gains), net 29 (3) —
Merger-related expense (1)
51 275 —
Tax effect of adjustments (2)
(16) (45) —
Adjusted net income available to common shareholders $ 379 $ 363 $ 155
Weighted average common shares outstanding, diluted 151,468 151,471 77,277
Diluted earnings per share (3)
$ 2.07 $ 0.89 $ 2.00
Adjusted diluted earnings per share (3)
2.50 2.39 2.00
(1) A portion of this item was non-taxable.
(2) A blended tax rate of 16.4% was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied.
(3) Amounts have been calculated using whole dollar values.
Amounts may not total due to rounding
Reconciliation of Non-GAAP Financial Measures, continued
(dollars in millions) 2Q26 1Q26 2Q25
Adjusted return on average common equity, return on average tangible common equity, and adjusted return on average tangible common equity (annualized)
Net income available to common shareholders $ 313 $ 135 $ 155
Valuation adjustment to Visa derivative 2 1 —
Investment securities losses (gains), net 29 (3) —
Merger-related expense (1)
51 275 —
Tax effect of adjustments (2)
(16) (45) —
Adjusted net income available to common shareholders
$ 379 $ 363 $ 155
Adjusted net income available to common shareholders annualized (3)
$ 1,520 $ 1,471 $ 622
Amortization of intangibles, tax effected, annualized (2)(3)
142 147 4
Adjusted net income available to common shareholders excluding amortization of intangibles annualized (3)
$ 1,662 $ 1,618 $ 626
Net income available to common shareholders annualized (3)
$ 1,255 $ 546 $ 622
Amortization of intangibles, tax effected, annualized (2)
142 147 4
Net income available to common shareholders excluding amortization of intangibles annualized (3)
$ 1,397 $ 693 $ 626
Total average shareholders' equity less preferred stock $ 13,941 $ 13,805 $ 6,385
Average goodwill (3,479) (3,583) (1,849)
Average other intangible assets, net (1,069) (1,079) (21)
Total average tangible shareholders' equity less preferred stock $ 9,393 $ 9,143 $ 4,515
Return on average common equity (annualized) (3)
9.01 % 3.96 % 9.72 %
Adjusted return on average common equity (annualized) (3)
10.90 10.65 9.72
Return on average tangible common equity (annualized) (3)
14.89 7.58 13.84
Adjusted return on average tangible common equity (annualized) (3)
17.70 17.69 13.84
(1) A portion of this item was non-taxable.
(2) A blended tax rate of 16.4% was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied.
(3) Amounts have been calculated using whole dollar values.
Amounts may not total due to rounding.
(In millions, except per share data, share count in thousands) June 30, 2026 December 31, 2025 June 30, 2025
Tangible common equity ratio
Total assets $ 129,055 $ 57,706 $ 54,801
Goodwill (3,479) (1,849) (1,849)
Core deposits and other intangible assets, net (1,045) (30) (19)
Tangible assets $ 124,531 $ 55,827 $ 52,933
Total equity $ 14,828 $ 7,044 $ 6,637
Goodwill (3,479) (1,849) (1,849)
Core deposits and other intangible assets, net (1,045) (30) (19)
Preferred Stock, no par value
(781) (217) (217)
Tangible common equity $ 9,523 $ 4,948 $ 4,552
Total equity to total assets ratio (1)
11.49 % 12.21 % 12.11 %
Tangible common equity ratio (1)
7.65 8.86 8.60
Tangible common equity $ 9,523 $ 4,948 $ 4,552
Common shares outstanding 151,111 77,662 77,548
Book value per common share (1)
$ 92.96 87.90 82.79
Tangible book value per common share (1)
$ 63.02 $ 63.71 $ 58.70
(1) Amounts have been calculated using whole dollar values and may not total due to rounding.
EX-99.2
EX-99.2
Filename: pnfp_06302026xex992filin.htm · Sequence: 3
pnfp_06302026xex992filin
Earnings Results Second Quarter 2026 Exhibit 99.2
2 Forward-Looking Statements This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward- looking statements. You can identify these forward-looking statements through Pinnacle’s use of words such as "believes," "anticipates," "expects," "may," "will," "assumes," "predicts," "could," "should," "would," "intends," "targets," "estimates," "projects," "plans," "potential" and other similar words and expressions of the future or otherwise regarding the outlook for Pinnacle's future business and financial performance and/or the performance of the banking industry and economy in general. These forward-looking statements include, among others, statements on our expectations related to (1) the anticipated benefits and risks related to the recently completed business combination transaction between Synovus Financial Corp., a Georgia corporation (“Synovus”) and Pinnacle Financial Partners, Inc., a Tennessee corporation (“Legacy Pinnacle”), including the risk that the cost savings and revenue synergies from the transaction may not be fully realized or may take longer than anticipated to be realized, the risk that the integration of Legacy Pinnacle’s and Synovus’ respective businesses and operations will be materially delayed or will be more costly or difficult than expected, including as a result of unexpected factors or events, and risks related to management and oversight of the expanded business and operations of the combined company; (2) loan growth; (3) deposit growth; (4) net interest income and net interest margin; (5) revenue growth, including growth attributable to Pinnacle’s investment in Bankers Healthcare Group ("BHG"); (6) non-interest expense; (7) credit trends and key credit performance metrics; (8) our future operating and financial performance; (9) our strategy and initiatives for future revenue growth, balance sheet optimization, capital management, and expense management, including those statements related to our talent recruitment strategy and expected embedded growth from that strategy; (10) our effective tax rate; (11) our capital position; and (12) our assumptions underlying these expectations. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties which may cause the actual results, performance or achievements of Pinnacle to be materially different from the future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements are based on the information known to, and current beliefs and expectations of, management and are subject to significant risks and uncertainties. Actual results may differ materially from those contemplated by such forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements in this presentation. Many of these factors are beyond Pinnacle's ability to control or predict. These forward-looking statements are based upon information presently known to Pinnacle's management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without limitation, the risks and other factors set forth in Pinnacle's filings with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2025 under the captions "Cautionary Notice Regarding Forward-Looking Statements" and "Risk Factors" and in Pinnacle’s quarterly reports on Form 10-Q and current reports on Form 8-K. We believe these forward-looking statements are reasonable; however, undue reliance should not be placed on any forward-looking statements, which are based on current expectations and speak only as of the date that they are made. We do not assume any obligation to update any forward-looking statements as a result of new information, future developments or otherwise, except as otherwise may be required by law.
3 Use of Non-GAAP Financial Measures This slide presentation contains certain non-GAAP financial measures determined by methods other than in accordance with generally accepted accounting principles. Such non-GAAP financial measures include the following: adjusted net income available to common shareholders; adjusted diluted earnings per share; adjusted return on average assets; return on average tangible common equity; adjusted return on average tangible common equity; adjusted non-interest revenue; adjusted total revenue taxable equivalent (TE); adjusted non-interest expense; adjusted tangible efficiency ratio; tangible common equity ratio; tangible book value per common share; and adjusted pre-provision net revenue (PPNR). The most comparable GAAP measures to these measures are net income available to common shareholders; diluted earnings per share; return on average assets; return on average common equity; total non-interest revenue; total revenue; total non-interest expense; efficiency ratio-TE; total shareholders' equity to total assets ratio; book value per common share; and PPNR, respectively. Management believes that these non-GAAP financial measures provide meaningful additional information about Pinnacle to assist management and investors in evaluating Pinnacle's operating results, financial strength, the performance of its business and the strength of its capital position. However, these non-GAAP financial measures have inherent limitations as analytical tools and should not be considered in isolation or as a substitute for analyses of operating results or capital position as reported under GAAP. The non-GAAP financial measures should be considered as additional views of the way our financial measures are affected by significant items and other factors, and since they are not required to be uniformly applied, they may not be comparable to other similarly titled measures at other companies. Adjusted net income available to common shareholders, adjusted diluted earnings per share and adjusted return on average assets are measures used by management to evaluate operating results exclusive of items that are not indicative of ongoing operations and impact period-to-period comparisons. Return on average tangible common equity and adjusted return on average tangible common equity are measures used by management to compare Pinnacle's performance with other financial institutions because it calculates the return available to common shareholders without the impact of intangible assets and their related amortization, thereby allowing management to evaluate the performance of the business consistently. Adjusted non-interest revenue and adjusted total revenue TE are measures used by management to evaluate non-interest revenue and total revenue exclusive of net investment securities gains (losses), fair value adjustments on nonqualified deferred compensation, and other items not indicative of ongoing operations that could impact period-to-period comparisons. Adjusted non-interest expense and the adjusted tangible efficiency ratio are measures utilized by management to measure the success of expense management initiatives focused on reducing recurring controllable operating costs. The tangible common equity ratio is used by stakeholders to assess our capital position. Tangible book value per common share is used by stakeholders to assess our financial stability and value. Adjusted PPNR is used by management to evaluate PPNR exclusive of items that management believes are not indicative of ongoing operations and impact period-to-period comparisons. The computations of the non-GAAP financial measures used in this slide presentation are set forth in the appendix to this slide presentation. Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of Pinnacle's control, or cannot be reasonably predicted. For the same reasons, Pinnacle's management is unable to address the probable significance of the unavailable information. Forward-looking non-GAAP financial measures provided without the most directly comparable GAAP financial measures may vary materially from the corresponding GAAP financial measures. Merger-Related Notes • • The merger of Legacy Pinnacle and Synovus closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed. • Prior periods' consolidated financial statements have been reclassified whenever necessary to conform to the current periods' presentation. • Fourth Quarter 2025 has been presented for the combined franchise in certain cases throughout this presentation and is indicated with a reference to "4Q25C" or "combined basis" where used. • As of June 30, 2026, preliminary remaining accretable purchase accounting loan marks are $666 million as shown in this slide presentation.
4 Top TSR Win with PNFP footprint population projected to grow ~2x faster than national average(1) Why We Win THE CLIENTS THE TEAM Win with THE SHAREHOLDERS Leads to Winning with Highly Successful Operating and Recruiting Model That Generates Top Quartile Revenue, EPS and TBV Growth Industry-Leading Client Service + = Regional Bank Employer of Choice Top NPS Top Engagement (1) Source: S&P Capital IQ Pro Objective: Objective: Objective:
5 The Pinnacle Model: A Self-Reinforcing Growth Flywheel An Economically Resilient Growth Model Relationship-driven hiring Continuous recruiting of bankers through the network; goal of bringing their best clients & colleagues Decentralized empowerment Local authority on decisions; specialists support the geographies & collaborate around the client One unified incentive Core plan centers on EPS & revenue growth(3) - metrics that drive shareholder return - not individual scorecards ATTRACT Be the best place to work Fortune #3 · 93% engagement HIRE Land experienced producers Avg 18 yrs experience GROW Migrate Business Significant future growth already embedded ALIGN Drive collaboration & EPS focus ~8,500 employees · 1 core incentive plan OUTPERFORM Reach #1 in growth & returns THE PINNACLE FLYWHEEL Compounds every cycle BVPS CAGR: 11% TBVPS CAGR(2): 12% Rev PS CAGR: 11% Adj. Rev PS CAGR(2): 11% EPS CAGR: 11% Adj. EPS CAGR(2): 12% Top Quartile Growth Over Last 10 Years(1): Note: Peer Banks include: TFC, RF, FHN, SSB, HBAN, FITB, MTB, KEY, ZION, WAL, PNC, FCNC.A, CFG, WBS, UMBF, VLY, FLG, ONB, COLB, WTFC, CFR, BOKF, and FNB; UMBF and CFR excluded from TBVPS growth analysis due to data availability; (1) Source: S&P Capital IQ; PNFP and peer bank CAGRs calculated from annual results, Dec. 31, 2015 – Dec. 31, 2025; (2) Source: S&P Capital IQ; Non-GAAP financial measure; (3) With core plan also subject to certain asset quality governors On Pace for 225-250 New Producers in 2026
6 230 217 250 275 Combined Legacy PNFP-SNV PNFP 2024A 2025A 2026E 2027E 50 74 34 Hiring leads to sustainable, best in class, long-term growth: Revenue Producer Hiring Accelerates in Second Quarter 225-250 250-275 12-14% GROSS NEW HIRES 6-7% TURNOVER RATE 6-7% NET PRODUCER GROWTH 3-6% FROM EXISTING PRODUCERS 9-13% BALANCE SHEET GROWTH - = + = Note: The Legacy PNFP-SNV merger closed on January 1, 2026; (1) Represents new hires or accepted offers July 1-15, 2026. FY 2026 Progress to Target 250 Annual Hiring Targets 0 63% of Goal (1)
7 ($ in millions, except per share data) 2Q26 % Change QoQ Net Interest Income $956 2% Provision for Credit Losses $63 (17)% Non-Interest Revenue $247 (13)% Total Revenue $1,203 (1)% Non-Interest Expense $721 (24)% Pre-Provision Net Revenue $482 82% Net Income Available to Common Shareholders $313 131% Diluted EPS $2.07 133% (1) Non-GAAP financial measures; see appendix for applicable reconciliations; (2) TE - Taxable Equivalent Second Quarter 2026 Financial Performance ($ in millions, except per share data) 2Q26 % Change QoQ Net Interest Income (TE)(2) $968 2% Provision for Credit Losses $63 (17)% Adjusted Non-Interest Revenue $270 (4)% Adjusted Total Revenue (TE)(2) $1,238 1% Adjusted Non-Interest Expense $662 (2)% Adjusted Pre-Provision Net Revenue $576 4% Adjusted Net Income Available to Common Shareholders $379 4% Adjusted Diluted EPS $2.50 5% Strong earnings per share Income Statement Summary (GAAP) Income Statement Summary (Adjusted)(1) $2.07 2Q26 DILUTED EPS $2.50 2Q26 ADJUSTED DILUTED EPS(1)
8 ($ in millions) 2Q26 % Change QoQ Loans $88,076 3% Deposits $100,898 1% Core Deposits(1) $91,795 0% Non-Interest Bearing Deposits $20,224 1% (1) Core Deposits exclude non-ICS brokered deposits; (2) Annualized; (3) Non-GAAP financial measure; see appendix for applicable reconciliation; (4) TE - Taxable Equivalent; (5) 2Q26 capital ratios are preliminary Second Quarter 2026 Financial Performance 2Q26 1Q26 ROAA(2) 1.06% 0.50% Adjusted ROAA(2)(3) 1.27% 1.26% ROCE(2) 9.0% 4.0% Adjusted ROCE(2)(3) 10.9% 10.6% ROTCE(2)(3) 14.9% 7.6% Adjusted ROTCE(2)(3) 17.7% 17.7% Net Interest Margin(2) 3.44% 3.53% Efficiency Ratio - TE(4) 59.4% 77.4% Adjusted Efficiency Ratio(2)(3) 49.8% 51.3% 2Q26 1Q26 NCOs/Average Loans(2) 0.22% 0.23% NPLs/Loans 0.47% 0.54% Allowance for Credit Losses % 1.17% 1.19% CET1 Ratio(5) 9.93% 9.81% Healthy linked quarter balance sheet growth Sound credit quality & capital Period End Balance Sheet Growth Profitability Metrics Credit & Capital Metrics 14% QoQ ANNUALIZED LOAN GROWTH 14.9% / 17.7% ROTCE / ADJUSTED ROTCE(2)(3) 0.22% NCOs(2) / AVERAGE LOANS
9 1 Year Since Synovus Merger Announcement Two quarters in, this merger is performing exactly as we designed it. Integration is running ahead of plan, we're on pace to deliver planned cost savings and revenue synergies, and we remain firmly on track for our systems conversion in the first quarter of 2027. Our people are engaged, our recruiting engine hasn't missed a beat, and our clients are seeing the benefits of a bigger, more capable franchise. PERFORMANCE SCOREBOARD 6 MONTHS POST-CLOSE “ Kevin Blair Chief Executive Officer FINANCIALTEAM CLIENT INTEGRATION 19% Adjusted EPS Accretion(4) vs Pre-Announcement Consensus 12% Annualized Loan Growth YTD(5) vs Combined 94% Revenue Producer Retention(1) Excl. synergies 124 New Producers Added Since Close(1) #1 Client NPS Ranking Maintained(2) Among peers 14% Net Business Momentum(2)(3) vs. peer median of 5% ✓ ON TRACK Systems Conversion Scheduled for 1Q 2027 ✓ IN-LINE Revenue & Cost Synergies + Merger Costs Tracking per plan (1) Source: PNFP internal data; retention excludes synergies; (2) Coalition Greenwich Voice of Client – 2026 US Commercial Banking Study (Pinnacle Financial Footprint $1–500MM, Q1 2026 R4Q, Banking). Peer group is comprised of the 8 largest banks within Pinnacle’s footprint as measured by customer market share; (3) Net Business Momentum defined as the net of clients surveyed that expect to give Pinnacle more business versus less business; (4) GAAP equivalent accretion is (28)%; Non-GAAP financial measure; represents YTD adjusted EPS versus Visible Alpha consensus as of June 1, 2025; (5) YTD annualized growth compared to combined Legacy PNFP and SNV balances at December 31, 2025, and excludes purchase accounting loan mark
10 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 $— $500 $1,000 $1,500 Adjusted Diluted EPS 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 $0.50 $1.00 $1.50 $2.00 $2.50 Tangible Book Value Per Share 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 $25 $30 $35 $40 $45 $50 $55 $60 $65 Book Value Per Common Share 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 $50 $55 $60 $65 $70 $75 $80 $85 $90 $95 Diluted Reported EPS 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 $— $500 $1,000 $1,500 Our Focus is Unchanged Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; All CAGR information reflects 1Q22-2Q26 Pinnacle results; (1) Non-GAAP financial measures; see appendix for applicable reconciliations; (2) TE - Taxable Equivalent (1)(1) 1Q22-4Q25 Results Reflect Legacy PNFP, While 1Q26 and 2Q26 Reflect the Combined Organization CAGR: 6% CAGR: 1 0% CAGR : 10% CAGR: 8% 2Q26: $1,203 2Q26: $2.07 2Q26: $93 2Q26: $1,238 2Q26: $2.50 2Q26: $63 Reported Revenue (in millions) Adjusted Revenue TE(1)(2) (in millions)
11 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 25 C 1Q 26 2Q 26 $— $50 $100 NPAs/Loans + ORE 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 25 C 1Q 26 2Q 26 0.20% 0.40% 0.60% 0.80% 1.00% NCOs/Average Loans 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 25 C 1Q 26 2Q 26 —% 0.10% 0.20% 0.30% 0.40% 0.50% Common Equity Tier 1 Ratio 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 —% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 25 C 1Q 26 2Q 26 $— $50 $100 Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; (1) 4Q25C reflects combined Legacy PNFP and SNV 4Q25 period-end loans, period-end deposits, revenue producer hires, NCOs/average loans and NPAs/loans + ORE for 4Q25 Our Focus is Unchanged 1Q22-4Q25 Results Reflect Legacy PNFP, While 4Q25C, 1Q26 and 2Q26 Reflect the Combined Organization Revenue Producer Hires 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 25 C 1Q 26 2Q 26 10 20 30 40 50 60 70 80 (1) (1) (1) 2Q26: $88.1 2Q26: 9.93% 2Q26: 0.22% 2Q26: $100.9 2Q26: 74 2Q26: 0.50% Period-End Deposits(1) ($ in billions) Period-End Loans(1) ($ in billions)
Financial Performance
13 $85,197 $2,690 $(114) $289 $14 $88,076 1Q26 C&I CRE Consumer Other 2Q26 Loans Period-End Organic Loan Growth Attribution(2) ($ in millions) Period-End Loans ($ in millions) • 2Q26 period-end loan growth was $2.9B or 14% annualized • Growth was diverse across geographies, specialty lines and asset classes • 2Q26 new funded loan production was up over 20% on a linked quarter basis while yields and spreads on new originations were relatively stable • C&I utilization rate increased 1.3% linked quarter supporting ~$350MM of 2Q loan growth(1) 14% Annualized QoQ Growth (2) Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) The change in utilization rate is based on commitments existing at the end of 1Q26; (2) Other inclusive of loan mark accretion of $28MM and unearned fee change of $(14)MM; (3) Specialty and Other includes specialty loan verticals and other loans centrally managed outside of our lines of business; (4) WA Variable Spread represents SOFR equivalent spreads and is approximately 72% of committed production H i g h l i g h t s $85,197 $1,293 $1,557 $28 $88,076 1Q26 Geography Specialty and Other Loan Mark Accretion Total 2.47% 2.49% Funded Production WA Variable Spread Commercial Loans 1Q26 2Q26 $0B $3B $6B Funded Production and Loan Spreads ($ in billions) (4)(3)
14 Quarterly Deposit Production Trends ($ in billions) • More moderate deposit growth was consistent with expected seasonal patterns ◦ New deposit production increased approximately 20% on a linked quarter basis, offset by seasonal outflows from existing accounts ◦ Excluding Public Funds, Core Deposits(1) grew $963MM QoQ Normalized Core Deposit Growth(1)(2) $100,103 $819 $269 $(24) $(821) $552 $100,898 1Q26 MMA and Savings Non- Interest Bearing Time Interest- Bearing DDA Non-Core Deposits 2Q26 Deposits Period-End Deposits ($ in millions) Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) Core Deposits exclude non- ICS brokered deposits; (2) Includes SNV and Legacy PNFP period-end combined core deposits; (3) Change in existing accounts includes balance fluctuations and account closures H i g h l i g h t s 100.0% 101.5% 101.7% 102.7% 105.8% 100.0% 102.1% 102.4% Prior Year End 1Q 2Q 3Q 4Q New Production Change in Existing Accounts 1Q26 2Q26 -5 0 5 (3) $243MM QoQ Core Deposit(1) Growth
15 $408 $933 $956 3.27% 3.53% 3.44% Net Interest Income Net Interest Margin 4Q25 1Q26 2Q26 Net Interest Income 3.53% (0.02)% (0.01)% (0.03)% (0.02)% (0.01)% 3.44% 1Q26 NIM 1Q Non- Recurring Daycount Marginal Wholesale Funding Loan Yields Debt Issuance 2Q26 NIM Net Interest Margin (NIM) Attribution Net Interest Income and Net Interest Margin ($ in millions) Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding • Net interest income increased 2% QoQ or 10% annualized • Linked-quarter NIM decline to 3.44% primarily driven by non-recurring items, modest pressure from lower SOFR rates and PAA on loan yields, and incremental wholesale funding reliance due to deposit seasonality • Deposit cost relatively stable at 2.14% H i g h l i g h t s 6.14% 6.11% 2.13% 2.14% Loan Yields Total Deposit Cost 1Q26 2Q26 Loan Yields and Deposit Costs Non-Recurring/ Seasonal
16 Non-Interest Revenue ($ in millions) 2Q26 QoQ % Change Core Banking Fees $93 3 % Wealth Management Fees(2) $85 — % Loan Sales and Servicing Fees $9 (8) % Capital Markets Income $18 3 % Income from BHG Investment $24 (23) % BOLI $19 (5) % Investments Gains (Losses), Net $(29) nm Other Non-Interest Revenue $28 5 % Total Non-Interest Revenue $247 (13) % Investments (Gains) Losses, Net $29 nm Fair value adjustment on non-qualified deferred compensation $(6) nm Adjusted Non-Interest Revenue(4) $270 (4) % Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding and percentage changes are calculated using unrounded amounts and may differ from calculations on rounded figures; (1) Growth is compared to combined Legacy PNFP and SNV results in prior periods; (2) Wealth management revenue consists primarily of fees derived from trust income, brokerage revenue and insurance revenue; (3) See BHG 2Q26 Overview in appendix for additional details; (4) Non-GAAP financial measure YoY • On a combined basis, Core Banking Fees, Wealth Management and Capital Markets collectively exhibited double-digit YoY growth • Capital Markets exhibited another exceptionally strong quarter as strong loan production and revenue synergies drove 20% YoY growth on a combined basis(1) QoQ • Decline in BHG investment income consistent with guidance and reflects intentional shift in placement strategy(3) • Other Income, net of adjusted items, was down QoQ as a result of lower equity investment income (ex BHG) and ancillary third-party sponsorship revenue • Investment losses were a result of previously disclosed liquidity strategies Non-Interest Revenue H i g h l i g h t s
17 Non-Interest Expense ($ in millions) 2Q26 QoQ % Change Employment Expense $378 (5) % Occupancy, Equipment and Software Expense 102 5 % Amortization of Intangibles 46 (4) % Merger-Related Expense 51 (81) % FDIC insurance and other regulatory fees 20 (11) % Other Noninterest Expense 124 9 % Total Non-interest Expense $721 (24) % Merger-Related Expense (51) (81) % Valuation adjustment to Visa derivative (2) 105 % Fair value adjustment on non-qualified deferred compensation (6) nm Adjusted Non-interest Expense(1) $662 (2) % Efficiency Ratio - TE 59.4 % (23) % Adjusted Tangible Efficiency Ratio(1) 49.8 % (3) % Headcount (FTE) 8,490 — % • Lower QoQ employment expense a result of elevated 1Q26 seasonal costs • Headcount was relatively flat QoQ as merger-related synergies were offset by growth related hiring • Occupancy, Equipment and Software expense increased QoQ primarily due to increased software related costs • Software costs will be offset as merger-related synergies are realized • Merger-related expense synergy program tracking well towards initial modeling assumption of 40% of $250MM program recognized in 2026 • Merger-related expenses of $51MM in 2Q26 continue to track in line with expectations at merger announcement Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding and percentage changes are calculated using unrounded amounts and may differ from calculations on rounded figures; (1) Non-GAAP financial measure Non-Interest Expense H i g h l i g h t s
18 Legacy PNFP Synovus Pinnacle 2Q25 3Q25 4Q25 1Q26 2Q26 —% 0.20% 0.40% Legacy PNFP Synovus Pinnacle 2Q25 3Q25 4Q25 1Q26 2Q26 —% 0.50% 1.00% • NCOs/Average Loans were 0.22% in 2Q26, in line with expectations • Asset quality remained stable; NPAs as a percentage of loans & ORE declined 8 bps to 0.50% QoQ, reflecting continued resolution of legacy criticized credits • The criticized and classified loan portfolio declined 22 bps QoQ, driven by successful exits of three relationships totaling $57MM • Early-stage delinquencies (30–89 days) remained low and consistent QoQ at 14 bps • ACL coverage of NPLs increased to 248% from 221% QoQ, as the allowance balance remained stable while nonperforming loans declined — reflecting improving underlying credit quality Credit Quality NCOs/Average Loans NPAs/Loans & ORE Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed H i g h l i g h t s
19 Capital 10.74% 10.83% 10.88% 9.81% 9.93% Common Equity Tier 1 Tier 1 Tier 2 2Q25 3Q25 4Q25 1Q26 2Q26 Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) 2Q26 capital ratios are preliminary; (2) Includes various items related to data and regulatory interpretive alignment which impacted risk weights for certain exposures (1) Capital Ratios at June 30, 2026(1) (2Q25-4Q25 ratios are for Legacy PNFP only) Common Equity Tier 1 Ratio(1) 9.81% 0.38% (0.07)% (0.08)% (0.27)% 0.05% 0.09% 0.02% 9.93% 1Q26 Net Income to Common (Adjusted) Adjusted Items Common Dividend RWA Growth Intangibles RWA Other Adjustments Other 2Q26 (Second Quarter 2026 CET1 Ratio Change) • The CET1 Ratio(1) increased 12 bps to 9.93%; Total Risk Based Capital Ratio(1) relatively stable at 12.35% • 10.25% CET1 target, with a continued priority of deploying capital to support organic growth • No share repurchases expected in 2026 11.23% 13.02% 11.30% 12.94% 11.34% 12.97% 10.62% 12.34% H i g h l i g h t s 10.71% 12.35% (2) (1)
20 Estimated Fully Phased CET1 Ratio Comparison(1) (1) Peers include CFG, FCNC.A, FITB, HBAN, KEY, MTB, PNC, RF, TFC, and WAL; Fully Phased CET1 = June 30, 2026 reported CET1 + impacts as individually disclosed [Basel III Endgame (March 2026 NPR) RWA benefit (standardized approach) + AOCI impact from removing the Cat III/IV AOCI opt-out]; midpoints used if range presented (2) PNFP CET1 is estimated, based on preliminary analysis of the proposed regulatory guidance; actual results may differ 9.8% 10.0% 10.2% 10.3% 10.4% 10.4% 11.0% 11.3% 11.7% Estimated Fully Phased CET1 Stated CET1 Target Peer 1 Peer 2 Peer 3 PNFP Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Brings CET1 in line with 10.25% target and estimated peer median as of 6/30/26 (2)
2026 Outlook
22 Normalized at Close +10% Loan Growth Additional +1% Growth Cat IV Liquidity Fixed Rate Asset Repricing 2026 Year End NIM 3.40–3.45% 3.44–3.47% Net Interest Income Growth vs Margin Compression Quarterly Net Interest Income (TE) Actual Outlook (range) $947MM 1Q26A $968MM +2.2% QoQ 2Q26A $990–$1,005MM ≈ +2-4% QoQ 3Q26E $1,010–$1,030MM ≈ +1-3% QoQ 4Q26E Net interest margin (TE) 3.53% 3.44% 2H26E FY2026E Illustrative NIM roll-forward to year-end 2026 Key takeaways • Sustained NII growth is volume-driven: steady earning-asset expansion is what carries NII higher quarter after quarter • Core pricing held: portfolio loan yields ~6.11% and deposit costs ~2.14%; loan production spreads widened QoQ while deposit production costs were relatively stable • Marginal loan growth beyond 10% provides tailwind to NII but results in added margin pressure given higher cost of incremental funding (1) Non-GAAP financial measure; see appendix for applicable reconciliation; TE - Taxable Equivalent; (2) Excludes ~3 bps of non-recurring impact; (3) Cat IV liquidity incorporates progress toward planned ~$1B per year of debt issuance over 3 year horizon. Sustained quarterly NII growth averaging ~2.5% in second half 2026 3.50% -2 to -4 bps -1 to -3 bps -3 to -5 bps +2 to +4 bps ~3.40 to 3.45% (1) (1) (2) (3)
23 2026 Outlook Update Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; (1) Non-GAAP financial measure; see appendix for applicable reconciliation; (2) TE - Taxable Equivalent N o Change to Prior G uidance 2026 Guidance Notes Period-End Loans Ex Loan Mark $91.0B - $93.0B Trending to the high end of the 9-11% range (~$9B of growth, ex loan mark) Period-End Total Deposits $106.5B - $108.5B On track for 8% - 10%, or ~$8B - 10B of total deposit growth Adjusted Revenue TE(1)(2) $5.00B - $5.20B Trending to $5.05B - $5.10B of total revenue • Assumes FY NIM of 3.44% - 3.47%; assumes no FOMC action through 2026 • Assumes 2026 adjusted non-interest revenue(1) of $1.125B - $1.145B – Forecasted BHG Investment income of $110MM-$120MM – Strong growth in core client income + ancillary third party sponsorship revenue contributing to increased fee income expectations Adjusted Non- Interest Expense(1) $2.675B - $2.775B Trending to midpoint of expected range • Increases in costs directly associated with increased third party sponsorship income driving overall higher FY expense expectations NCOs / Avg Loans 0.20% - 0.25% Assumes relatively stable economic environment Adjusted Effective Tax Rate(1) 20% - 21% Trending to the mid-point of range, inclusive of 2Q municipal bond sale
Appendix
25 Period-End Loan and Deposit Growth 2Q26 Period-End Loans 2Q26 Period-End Deposits ($ In millions) 2Q26 QoQ $ Change QoQ % Change YTD % Change 2Q26 QoQ $ Change QoQ % Change YTD % Change Tennessee/Kentucky $16,667 $571 4% 5% $25,639 $159 1% 4% Carolinas/Virginia/Washington, DC $15,863 $474 3% 5% $18,684 $602 3% 8% Georgia $15,427 $293 2% 4% $20,816 $35 —% —% South Florida/Greater Florida $9,813 $(117) (1)% 1% $10,495 $(457) (4)% (2)% Alabama/Florida Panhandle $5,791 $74 1% 2% $8,321 $165 2% 4% Total Geographies $63,561 $1,294 2% 4% $83,955 $504 1% 3% Specialty Lines of Business(1) $23,053 $1,726 8% 13% $4,405 $259 6% 9% Other(2) $2,127 $(170) NM (11)% $12,538 $32 —% (3)% Total (Excluding PAA)(3) $88,742 $2,850 3% 6% $100,898 $795 1% 2% Accretable Purchase Accounting Loan Mark(4) $(666) $(28) (4)% NM $— $— N/A N/A Total $88,076 $2,878 3% 5% $100,898 $795 1% 2% Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) Specialty includes Specialty loan and deposit verticals; (2) Other Inclusive of loan and deposit activity centrally managed outside of our lines of business; (3) Excluding purchase accounting loan mark; (4) Not shown is the effect of acquired deferred fees, which are subsumed into the mark rather than amortized
26 Deposit Mix and Rate Overview 2Q26 1Q26 2Q26 Average Rate % of Total 1Q26 Average Rate % of Total Non-interest Bearing -- 21% -- 21% Interest-Bearing Interest Bearing Demand 2.51% 30% 2.51% 30% Savings 0.35% 2% 0.40% 2% Money Market 2.67% 34% 2.59% 34% Time 3.46% 13% 3.53% 14% Total Interest-Bearing Deposits 2.69% 79% 2.68% 80% Total Deposits 2.14% 100% 2.13% 100%
27 Earning Asset Composition and NII Sensitivity (at June 30, 2026) Note: Amounts may not add up due to rounding; (1) NII sensitivity estimates reflect a static balance sheet; beta sensitivity estimates represent approximations, based on total deposit cost betas 68% 32% Fixed-Rate Variable-Rate Loan Portfolio Fixed-Rate/Variable-Rate Mix 12-Month Estimated Net Interest Income Sensitivity(1) + 100 Bps +2.2% - 100 Bps -1.7% Parallel Rate Impact
28 Securities and Liquidity Overview (at June 30, 2026) Note: Amounts may not add up due to rounding. (1) Est. Taxable Equivalent Yield, as of June 2026; (2) Net duration is inclusive of fair value hedges on AFS securities; (3) Additional collateral pledged effective 7/15, with an as of date of June 30, 2026; (4) Equals uninsured deposits minus collateralized Focus on liquidity, earnings and rate risk management $20.9B Portfolio Book Value ~3.1 Net Duration(2) Gross Duration 3.9 ~4.20% Book Yield – TEY(1) Inclusive of AFS hedges Notable Liquidity Sources ($ in billions) FRB Cash $6.8 FHLB Capacity $5.6 Unencumbered Securities $12.9 Discount Window Capacity $7.2 Total $32.5 Incremental Discount Window Capacity(3) $6.6 Total $39.1 Securities Portfolio Breakout Insured 50% Uninsured (ex. Coll.)(4) 39% Collateralized 11% Total Deposits: $101B Sector Allocations Other, 3% +6% QoQ
29 • Receive-fixed Cash Flow swaps against loans: $2.50B notional • Converts floating-rate loan exposure to fixed and locking in net interest margin for down rate protection • Interest rate options: ~$8.25B effective notional (as of 4Q26) • Cash Flow Floors against floating rate loans • Cash Flow Collars against floating rate loans • Cash Flow Caps against indexed deposits Cash Flow Derivatives Portfolio Overview Strategy aims to protect margin & minimize capital volatility Next 4 Quarters Strategy 3Q26 4Q26 1Q27 2Q27 Receive-Fixed Swaps (CF) $2.50B $2.50B $2.50B $2.50B Avg. Rate - RF CF Swaps 3.28% 3.28% 3.28% 3.28% Next 4 Quarters Strategy Apprx. Strike(2) 3Q26 4Q26 1Q27 2Q27 Floors 2.70% $3.12B $3.12B $4.12B $4.12B Collars 4.45%/6.85% $875M $875M $875M $875M Caps 3.60% $3.75B $4.25B $4.25B $4.25B Cash Flow Hedge Portfolio (Avg. Notional) ($ in millions) Note: Representation is limited to cash-flow hedging strategies; excludes fair-value hedge derivative positions (1) Represents long positions in interest rate caps, which are reflected as negatives in the graphic representation for purposes of complementing the counterbalancing exposure relative to the other cash-flow strategies included in the graph (2) Projected effective strikes as of 4Q26 H i g h l i g h t s (1)
30 Allowance for Credit Losses ($ in millions) $1,014 $1 $8 $24 $(18) $1,029 1Q26 Economic Forecast Qualitative Net Growth Individual 2Q26 1.19% 1.17% Economic Scenario Assumptions and Weightings Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting amounts are preliminary as of June 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) Upside refers to Moody's June 2026 "S1" Upside 10th Percentile scenario; (2) Downside refers to Moody's June 2026 "S3" Downside 10th Percentile scenario; (3) Slow Growth refers to Moody's June 2026 "S5" Slow Growth; (4) Corresponds to Moody's June 2026 scenarios 2Q26 Change from 2026(4) 2027(4) Scenario Model Weighting Previous Quarter GDP Unemployment GDP Unemployment Consensus Baseline 50% —% 2.1% 4.3% 2.0% 4.3% Upside(1) 10% —% 2.4% 4.0% 3.0% 3.6% Downside(2) 20% —% 1.1% 5.4% (1.6)% 8.3% Slow Growth(3) 20% —% 1.9% 4.5% 1.1% 5.6% Weighted Average 1.9% 4.5% 1.2% 5.3% ACL/Loans:
31 Consumer Portfolio $13.4B CRE Portfolio $23.6B C&I Portfolio $51.1B 2Q26 Portfolio Characteristics C&I CRE Consumer NPL Ratio 0.40% 0.52% 0.63% QTD Net Charge-off Ratio (annualized) 0.29% 0.01% 0.35% 30+ Days Past Due Ratio 0.10% 0.07% 0.44% 90+ Days Past Due Ratio 0.01% 0.01% 0.01% Amounts may not add up due to rounding Loan Portfolio by Category 42% 16% 8% 7% 4% 3% 3% 2% 13% 2% C&I Non-Real Estate Related C&I Owner-Occupied Other CRE Multi-Family Retail Office Hotel Residential C&D & Land Consumer Real Estate Consumer Non-Real Estate Highly Diverse Loan Portfolio • C&I portfolio is well-diversified among multiple lines-of-business • Diverse C&I industry mix aligned with economic and demographic drivers • SNCs total $11.1B, ~7.5% of which is agented by PNFP • Leveraged loans total $4.7B • 88% are income-producing properties • Diversity among property types and geographies • 83% of NPL balance comprised of 3 credits (1 Senior Housing, 1 Office and 1 Multi-Family) • 86% of Consumer loans secured by real estate • Consumer portfolio credit quality remains healthy
32 10% 4% 4% 4% 3% 3% 3% 3% Finance/Insurance Senior Housing Retail Trade Accommodations & Food Services Lessors of Real Estate Wholesale Trade Healthcare and Social Assistance Manufacturing Portfolio Characteristics 2Q26 NPL Ratio 0.40% Net Charge-off Ratio (annualized) 0.29% 30+ Days Past Due Ratio 0.10% 90+ Days Past Due Ratio 0.01% Largest C&I Industry Concentrations as a % of Total Loans at June 30, 2026 Amounts may not add up due to rounding; (1) Senior Housing is a subset of NAICS 62 Healthcare and Social Assistance and Lessors of Real Estate is a subset of NAICS 53 (1) (1) Commercial and Industrial Loan Portfolio
33 Commercial Real Estate Loan Portfolio CRE Concentrations as a % of Total Loans at June 30, 2026 INVESTMENT PROPERTIES LAND, DEVELOPMENT AND RESIDENTIAL PROPERTIES Portfolio Characteristics (as of June 30, 2026) Office Building Multi-Family Retail Hotels Other Investment Properties Warehouse/ Industrial Residential Properties(1) Development & Land Balance (in millions) $2,684 $6,592 $3,658 $2,528 $1,992 $3,294 $1,917 $931 Weighted Average LTV(2) 53.5% 49.9% 53.9% 49.9% 53.2% 49.3% NA NA NPL Ratio 1.28% 0.53% 0.05% 0.00% 2.53% 0.00% 0.10% 0.02% Net Charge-off Ratio (annualized) 0.01% 0.00% 0.05% 0.00% 0.00% 0.01% 0.07% (0.03)% 30+ Days Past Due Ratio 0.04% 0.00% 0.08% 0.00% 0.27% 0.04% 0.26% 0.04% 90+ Days Past Due Ratio 0.00% 0.00% 0.00% 0.00% 0.00% 0.03% 0.04% 0.00% • Investment Properties portfolio represent 88% of total CRE portfolio ◦ The portfolio is well diversified among property types • 2Q26 CRE Portfolio Characteristics ◦ 0.52% NPL Ratio ◦ 0.01% Net Charge-Off Ratio (annualized) ◦ 0.07% 30+ Day Past Due Ratio ◦ 0.01% 90+ Day Past Due Ratio Amounts may not add up due to rounding; (1) Includes 1-4 Family Construction and 1-4 Family Perm/Mini-Perm (primarily rental homes); (2) LTV calculated by dividing the June 30, 2026 commitment amount and any senior lien by the most recent appraisal (typically at origination) 7% 4% 4% 3% 3% 2% 1% 1% 1% Multi-Family Retail Warehouse/Industrial Office Hotels Other Investment Properties 1-4 Family Perm/Mini-Perm Land Acquisition & Dev 1-4 Family Construction
34 Portfolio Characteristics 2Q26 NPL Ratio 0.63% Net Charge-off Ratio (annualized) 0.35% 30+ Days Past Due Ratio 0.44% 90+ Days Past Due Ratio 0.01% Consumer Concentrations as a % of Total Loans at June 30, 2026 10% 3% 2% .3% Consumer Mortgages Home Equity Lines Other Consumer Consumer Card Amounts may not add up due to rounding • 86% of Consumer portfolio is backed by residential real estate • Other Consumer includes secured and unsecured products Consumer Loan Portfolio
35 BHG Credit Quality Continues to Impress Sophisticated credit scoring models produce impressive resultsBHG 2Q26 Overview • Pinnacle's equity-method investment income was $24MM in 2Q26 • Underlying collateral profile and performance remains relatively stable • Origination volumes of $2.4B for 2Q and $3.8B year-to-date • Delivering on an intentional strategy to manage a robust and well diversified funding platform, with lesser reliance upon the traditional bank network Credit Statistics(1) Source: BHG Internal Data; (1) Credit statistics based on BHG's managed portfolio, including both on and off balance sheet, across placement channels 62% 38% 34% 25% 25% 36% 36% 50% 13% 26% 30% 25% Community Bank Network Loan Sales Term Loan Financing/Securitizations 2024 2025 1Q26 2Q26 Historical Funding Execution Loan Originations ($ in billions) $1.55 $2.71 $3.84 1Q 2Q 2024 2025 2026
36 ($ in millions, except per share data, share count in thousands) 2Q26 1Q26 2Q25 Net income available to common shareholders $313 $135 $155 Valuation adjustment to Visa derivative 2 1 — Investment securities losses (gains), net 29 (3) — Merger-related expense(1) 51 275 — Tax effect of adjustments(2) (16) (45) — Adjusted net income available to common shareholders $379 $363 $155 Weighted average common shares outstanding, diluted 151,468 151,471 77,277 Net income per common share, diluted(3) $2.07 $0.89 $2.00 Adjusted net income per common share, diluted(3) $2.50 $2.39 $2.00 Amounts may not total due to rounding; (1) A portion of this item was non-taxable. (2) A blended tax rate of 16.4% was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied. (3) Amounts have been calculated using whole dollar values. Non-GAAP Financial Measures
37 ($ in millions) 2Q26 1Q26 2Q25 Net income $328 $150 $159 Valuation adjustment to Visa derivative 2 1 — Investment securities (gains) losses, net 29 (3) — Merger-related expense (1) 51 275 — Tax effect of adjustments(2) (16) (45) — Adjusted net income $394 $378 $159 Net income annualized(3) $1,316 $608 $638 Adjusted net income annualized(3) $1,580 $1,531 $638 Total average assets $124,187 $121,247 $53,824 Return on average assets (annualized)(3) 1.06% 0.50% 1.18% Adjusted return on average assets (annualized)(3) 1.27% 1.26% 1.18% Non-GAAP Financial Measures, Continued Amounts may not total due to rounding; (1) A portion of this item was non-taxable. (2) A blended tax rate of 16.4% was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied. (3) Amounts have been calculated using whole dollar values.
38 Non-GAAP Financial Measures, Continued ($ in millions) 2Q26 1Q26 2Q25 2026 2025 Net income available to common shareholders $313 $135 $155 $448 $291 Valuation adjustment to Visa derivative 2 1 — 3 — Investment securities (gains) losses, net 29 (3) — 26 13 Merger-related expense(1) 51 275 — 326 — Tax effect of adjustments(2) (16) (45) — (60) (3) Adjusted net income available to common shareholders $379 $363 $155 $743 $301 Adjusted net income available to common shareholders annualized(3) $1,520 $1,471 $622 $1,498 $607 Amortization of intangibles, tax effected, annualized (2)(3) 142 147 4 145 4 Adjusted net income available to common shareholders excluding amortization of intangibles annualized (3) $1,662 $1,618 $626 $1,643 $611 Net income available to common shareholders annualized (3) $1,255 $546 $622 $903 $587 Amortization of intangibles, tax effected, annualized (2)(3) 142 147 4 145 4 Net income available to common shareholders excluding amortization of intangibles annualized (3) $1,397 $693 $626 $1,048 $591 Total average shareholders' equity less preferred stock $13,941 $13,805 $6,385 $13,874 $6,342 Average goodwill (3,479) (3,583) (1,849) (3,529) (1,849) Average other intangible assets, net (1,069) (1,079) (21) (1,074) (21) Total average tangible shareholders' equity less preferred stock $9,393 $9,143 $4,515 $9,271 $4,472 Return on average common equity (annualized)(3) 9.01% 3.96% 9.72% 6.51% 9.26% Adjusted return on average common equity (annualized)(3) 10.90 10.65 9.72 10.78 9.56 Return on average tangible common equity (annualized)(3) 14.89 7.58 13.84 11.30 13.23 Adjusted return on average tangible common equity (annualized)(3) 17.70 17.69 13.84 17.70 13.66 Amounts may not total due to rounding; (1) A portion of this item was non-taxable. (2) A blended tax rate of 16.4% was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied. (3) Amounts have been calculated using whole dollar values.
39Amounts may not total due to rounding. (1) Amounts have been calculated using whole dollar values. Non-GAAP Financial Measures, Continued ($ in millions) 2Q26 1Q26 2Q25 Total non-interest expense $721 $952 $286 Merger-related expense (51) (275) — Valuation adjustment to Visa derivative (2) (1) — Fair value adjustment on non-qualified deferred compensation (6) 1 — Adjusted non-interest expense $662 $677 $286 Adjusted non-interest expense $662 $677 $286 Amortization of intangibles (46) (48) (1) Adjusted tangible non-interest expense 616 629 285 Net interest income 956 933 380 Taxable equivalent (TE) adjustment 12 14 13 Total non-interest revenue 247 284 125 Total TE revenue $1,215 $1,231 $518 Investment securities (gains) losses, net 29 (3) — Fair value adjustment on non-qualified deferred compensation (6) 1 — Adjusted total revenue (TE) $1,238 $1,229 $518 Efficiency ratio-(TE)(1) 59.4% 77.4% 55.2% Adjusted tangible efficiency ratio(1) 49.8% 51.3% 54.9% Adjusted total revenue (TE) $1,238 $1,229 $518 Adjusted non-interest expense (662) (677) (286) Adjusted PPNR $576 $552 $232
40Amounts may not total due to rounding. (1) Amounts have been calculated using whole dollar values. Non-GAAP Financial Measures, Continued ($ in millions, except per share data, share count in thousands) June 30, 2026 December 31, 2025 June 30, 2025 Total assets $129,055 $57,706 $54,801 Goodwill (3,479) (1,849) (1,849) Core deposits and other intangible assets, net (1,045) (30) (19) Tangible assets $124,531 $55,827 $52,933 Total equity $14,828 $7,044 $6,637 Goodwill (3,479) (1,849) (1,849) Core deposits and other intangible assets, net (1,045) (30) (19) Preferred Stock (781) (217) (217) Tangible common equity $9,523 $4,948 $4,552 Total shareholders’ equity to total assets ratio(1) 11.49% 12.21% 12.11% Tangible common equity ratio(1) 7.65% 8.86% 8.60% Tangible common equity $9,523 $4,948 $4,552 Common shares outstanding 151,111 77,662 77,548 Book value per common share(1) $92.96 $87.90 $82.79 Tangible book value per common share(1) $63.02 $63.71 $58.70
41 Reconciliation of Non-GAAP Financial Measures 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 3Q22 2Q22 1Q22 Net income available to common shareholders $ 313 $ 135 $ 166 $ 169 $ 155 $ 137 $ 147 $ 143 $ 49 $ 120 $ 91 $ 129 $ 194 $ 133 $ 134 $ 145 $ 141 $ 125 Investment (gains) losses on sales of securities, net 29 (3) 4 — — 12 — — 72 — — 9 10 — — — — — Valuation adjustment to Visa derivative 2 1 — — — — — — — — — — — — — — — — Gain on sale of fixed assets as a result of sale leaseback — — — — — — — — — — — — (86) — — — — — ORE expense (income) — — — — — — — — — — — — — — — — — — FDIC special assessment — — (7) — — — — — — 7 29 — — — — — — — Loss on BOLI restructuring — — — — — — — — — — 16 — — — — — Recognition of mortgage servicing asset — — — — — — — — — (12) — — — — — — — — Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — — — — — 28 — — — — — — — — — Merger-related expense 51 275 14 8 — — — — — — — — — — — — — — Tax effect on above noted adjustments (16) (45) (3) (2) — (3) — — (25) 1 (7) (2) 19 — — — — — Net income available to common shareholders excluding above noted adjustments $ 379 $ 363 $ 174 $ 175 $ 155 $ 146 $ 147 $ 143 $ 124 $ 116 $ 129 $ 136 $ 137 $ 133 $ 134 $ 145 $ 141 $ 125 Diluted earnings per common share $ 2.07 $ 0.89 $ 2.13 $ 2.19 $ 2.00 $ 1.77 $ 1.91 $ 1.86 $ 0.64 $ 1.57 $ 1.19 $ 1.69 $ 2.54 $ 1.76 $ 1.76 $ 1.91 $ 1.86 $ 1.65 Less: Investment (gains) losses on sales of securities 0.19 (0.02) 0.05 — — 0.16 (0.01) — 0.94 — — 0.13 0.13 — — — — — Valuation adjustment to Visa derivative — — — — — — — — — — — — — — — — — — Gain on sale of fixed assets as a result of sale leaseback — — — — — — — — — — — — (1.13) — — — — — ORE expense (income) — — — — — — — — — — — — — — — — — — FDIC special assessment — — (0.10) — — — — — — 0.10 0.38 — — — — — — — Loss on BOLI restructuring — — — — — — — — — — 0.21 — — — — — — — Recognition of mortgage servicing asset — — — — — — — — — (0.15) — — — — — — — — Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — — — — — 0.37 — — — — — — — — — Merger-related expenses 0.34 1.82 0.18 0.10 — — — — — — — — — — — — — — Tax effect on above noted adjustments (0.11) (0.30) (0.02) (0.02) — (0.04) — — (0.32) 0.01 (0.09) (0.03) 0.25 — — — — — Diluted earnings per common share excluding above noted adjustments $ 2.50 $ 2.39 $ 2.24 $ 2.27 $ 2.00 $ 1.90 $ 1.90 $ 1.86 $ 1.63 $ 1.53 $ 1.68 $ 1.79 $ 1.80 $ 1.76 $ 1.76 $ 1.91 $ 1.86 $ 1.65 Net interest income $ 956 $ 933 $ 408 $ 397 $ 380 $ 364 $ 364 $ 352 $ 332 $ 318 $ 317 $ 317 $ 315 $ 312 $ 319 $ 306 $ 265 $ 239 Total noninterest income 247 284 135 148 125 98 112 115 34 110 79 91 174 90 82 105 125 103 Total revenues 1,203 1,217 542 545 505 463 475 467 367 428 396 408 489 402 402 411 390 343 Less: Investment (gains) losses on sales of securities, net 29 (3) 4 — — 12 — — 72 — — 9 10 — — — — — Gain on sale of fixed assets as a result of sale leaseback — — — — — — — — — — — — (86) — — — — — Loss on BOLI restructuring — — — — — — — — — — 7 — — — — — — — Recognition of mortgage servicing asset — — — — — — — — — (12) — — — — — — — — Fair value adjustment on non-qualified deferred compensation (6) 1 — — — — — — — — — — — — — — — — Total revenues, excluding above noted adjustments $ 1,226 $ 1,215 $ 546 $ 545 $ 505 $ 475 $ 475 $ 467 $ 439 $ 416 $ 403 $ 417 $ 413 $ 402 $ 402 $ 411 $ 390 $ 343 Book value per common share $ 92.96 $ 91.42 $ 87.90 $ 85.60 $ 82.79 $ 81.57 $ 80.46 $ 79.33 $ 77.15 $ 76.23 $ 75.80 $ 73.23 $ 73.32 $ 71.24 $ 69.35 $ 67.07 $ 66.74 $ 66.30 Adjustment due to goodwill, core deposit and other intangible $ (29.94) $ (30.24) $ (24.19) $ (24.07) $ (24.09) $ (24.10) $ (24.22) $ (24.21) $ (24.23) $ (24.25) $ (24.42) $ (24.45) $ (24.47) $ (24.49) $ (24.61) $ (24.63) $ (24.66) $ (24.65) Tangible book value per common share $ 63.02 $ 61.18 $ 63.71 $ 61.53 $ 58.70 $ 57.47 $ 56.24 $ 55.12 $ 52.92 $ 51.98 $ 51.38 $ 48.78 $ 48.85 $ 46.75 $ 44.74 $ 42.44 $ 42.08 $ 41.65
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v3.26.1
Cover Page
Jul. 22, 2026
Entity Information [Line Items]
Document Type
8-K
Document Period End Date
Jul. 22, 2026
Entity Registrant Name
Pinnacle Financial Partners, Inc.
Entity Incorporation, State or Country Code
GA
Entity File Number
001-43038
Entity Tax Identification Number
39-3738880
Entity Address, Address Line One
3400 Overton Park Drive
Entity Address, City or Town
Atlanta
Entity Address, State or Province
GA
Entity Address, Postal Zip Code
30339
City Area Code
706
Local Phone Number
641-6500
Written Communications
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Soliciting Material
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Pre-commencement Tender Offer
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Pre-commencement Issuer Tender Offer
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Entity Emerging Growth Company
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Central Index Key
0002082866
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Common Stock, $1.00 Par Value
Entity Information [Line Items]
Title of 12(b) Security
Common Stock, $1.00 Par Value
Trading Symbol
PNFP
Security Exchange Name
NYSE
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A
Entity Information [Line Items]
Title of 12(b) Security
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A
Trading Symbol
PNFP - PrA
Security Exchange Name
NYSE
Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B
Entity Information [Line Items]
Title of 12(b) Security
Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B
Trading Symbol
PNFP - PrB
Security Exchange Name
NYSE
Depositary Shares, each representing 1/40 interest in a Share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock Series C
Entity Information [Line Items]
Title of 12(b) Security
Depositary Shares, each representing 1/40 interest in a Share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock Series C
Trading Symbol
PNFP - PrC
Security Exchange Name
NYSE
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