Regulatory Matters (Tables)

3 Months Ended

Sep. 30, 2021

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Summary of Regulatory Capital Requirement

Management believes, as of September 30, 2021, 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
	Amount		Ratio		Amount		Ratio		Amount		Ratio
At September 30, 2021
Total capital to risk weighted assets:
Pinnacle Financial	$	3,915,561	14.0	%	$	2,235,652	8.0	%	$	2,794,565	10.0	%
Pinnacle Bank	$	3,466,596	12.5	%	$	2,223,799	8.0	%	$	2,779,749	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	3,156,777	11.3	%	$	1,676,739	6.0	%	$	2,235,652	8.0	%
Pinnacle Bank	$	3,256,812	11.7	%	$	1,667,849	6.0	%	$	2,223,799	8.0	%
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	2,939,528	10.5	%	$	1,257,554	4.5	%	NA		NA
Pinnacle Bank	$	3,256,689	11.7	%	$	1,250,887	4.5	%	$	1,806,837	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	3,156,777	9.3	%	$	1,355,712	4.0	%	NA		NA
Pinnacle Bank	$	3,256,812	9.6	%	$	1,350,660	4.0	%	$	1,688,325	5.0	%






At December 31, 2020
Total capital to risk weighted assets:
Pinnacle Financial	$	3,678,405	14.3	%	$	2,063,352	8.0	%	$	2,579,190	10.0	%
Pinnacle Bank	$	3,259,538	12.7	%	$	2,055,892	8.0	%	$	2,569,865	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	2,803,541	10.9	%	$	1,547,514	6.0	%	$	2,063,352	8.0	%
Pinnacle Bank	$	2,933,674	11.4	%	$	1,541,919	6.0	%	$	2,055,892	8.0	%
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	2,586,292	10.0	%	$	1,160,635	4.5	%	NA		NA
Pinnacle Bank	$	2,933,551	11.4	%	$	1,156,439	4.5	%	$	1,670,412	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	2,803,541	8.6	%	$	1,298,756	4.0	%	NA		NA
Pinnacle Bank	$	2,933,674	9.1	%	$	1,294,033	4.0	%	$	1,617,541	5.0	%

(*) Average assets for the above calculations were based on the most recent quarter.