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Regulatory Matters (Tables) | 9 Months Ended
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Sep. 30, 2019
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] |
Summary of Regulatory Capital Requirement | The final rules implementing the Basel Committee on Banking Supervision's capital guidelines for U.S. banks (Basel III rules) became effective for Pinnacle Financial on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule, and fully phased in on January 1, 2019. The minimum capital level requirements applicable to bank holding companies and banks subject to the rules are: (i) a common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 risk-based capital ratio of 6%; (iii) a total risk-based capital ratio of 8%; and (iv) a Tier 1 leverage ratio of 4% for all institutions. The Basel III rules also established a capital conservation buffer of 2.5% (which was phased in over three years) above the regulatory minimum risk-based capital ratios. The capital conservation buffer was phased in beginning in January 2016 at 0.625% and increased each year by a like percentage until fully implemented in January 2019. Upon full implementation in January 2019, minimum risk-based capital ratios including the capital conservation buffer are: i) a common equity Tier 1 capital ratio of 7%, ii) a Tier 1 risk-based capital ratio of 8.5%, and iii) a total risk-based capital ratio of 10.5%. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory capital. Management believes, as of September 30, 2019, that Pinnacle Financial and Pinnacle Bank met all capital adequacy requirements to which they are subject. To be categorized as well-capitalized under applicable banking regulations, Pinnacle Bank must maintain certain total risk-based, Tier 1 risk-based, common equity Tier 1 and Tier 1 leverage ratios as set forth in the following table and not be subject to a written agreement, order or directive to maintain a higher capital level. The capital conservation buffer is not included in the required ratios of the table presented below. Pinnacle Financial's and Pinnacle Bank's actual capital amounts and resulting ratios, not including the capital conservation buffer, are presented in the following table (in thousands):
| Actual |  | Minimum Capital Requirement |  | Minimum To Be Well-Capitalized Under Prompt Corrective Action Regulations
| Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
At September 30, 2019 |  |  |  |  |  |  |  |
Total capital to risk weighted assets: |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 3,093,547 |  | 13.2 | % |  | $ | 1,874,904 |  | 8.0 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,818,988 |  | 12.1 | % |  | $ | 1,869,627 |  | 8.0 | % |  | $ | 2,337,034 |  | 10.0 | %
Tier 1 capital to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 2,238,535 |  | 9.6 | % |  | $ | 1,406,178 |  | 6.0 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,592,976 |  | 11.1 | % |  | $ | 1,402,221 |  | 6.0 | % |  | $ | 1,869,627 |  | 8.0 | %
Common equity Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 2,238,413 |  | 9.6 | % |  | $ | 1,054,634 |  | 4.5 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,592,854 |  | 11.1 | % |  | $ | 1,051,665 |  | 4.5 | % |  | $ | 1,519,072 |  | 6.5 | %
Tier 1 capital to average assets (*): |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 2,238,535 |  | 8.9 | % |  | $ | 1,003,329 |  | 4.0 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,592,976 |  | 10.4 | % |  | $ | 998,695 |  | 4.0 | % |  | $ | 1,248,369 |  | 5.0 | %
| Actual |  | Minimum Capital Requirement |  | Minimum To Be Well-Capitalized Under Prompt Corrective Action Regulations
| Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
At December 31, 2018 |  |  |  |  |  |  |  |
Total capital to risk weighted assets: |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 2,580,143 |  | 12.2 | % |  | $ | 1,691,017 |  | 8.0 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,432,419 |  | 11.5 | % |  | $ | 1,686,046 |  | 8.0 | % |  | $ | 2,107,558 |  | 10.0 | %
Tier 1 capital to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 2,024,193 |  | 9.6 | % |  | $ | 1,268,263 |  | 6.0 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,218,003 |  | 10.5 | % |  | $ | 1,264,535 |  | 6.0 | % |  | $ | 1,686,046 |  | 8.0 | %
Common equity Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 2,024,070 |  | 9.6 | % |  | $ | 951,197 |  | 4.5 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,217,880 |  | 10.5 | % |  | $ | 948,401 |  | 4.5 | % |  | $ | 1,369,912 |  | 6.5 | %
Tier 1 capital to average assets (*): |  |  |  |  |  |  |  |  |  |  |
Pinnacle Financial | $ | 2,024,193 |  | 8.9 | % |  | $ | 909,102 |  | 4.0 | % |  | NA |  | NA |
Pinnacle Bank | $ | 2,218,003 |  | 9.8 | % |  | $ | 906,185 |  | 4.0 | % |  | $ | 1,132,731 |  | 5.0 | %
(*) Average assets for the above calculations were based on the most recent quarter.

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