XML 52 R41.htm IDEA: XBRL DOCUMENT v3.23.2
Loans and Allowance for Credit Losses - Loan Classification by Risk Rating Category (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 $ 4,814,724   $ 4,814,724    
2022 9,239,744   9,239,744    
2021 6,275,565   6,275,565    
2020 2,487,484   2,487,484    
2019 1,483,077   1,483,077    
Prior 1,547,624   1,547,624    
Revolving Loans 5,305,072   5,305,072    
Total 31,153,290   31,153,290   $ 29,041,605
Charged-off loans (18,885) $ (9,173) (32,907) $ (15,685)  
2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (70)    
2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (9,478)    
2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (10,951)    
2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (1,978)    
2019          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (111)    
Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (531)    
Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (9,788)    
Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 4,741,733   4,741,733    
2022 9,142,050   9,142,050    
2021 6,221,301   6,221,301    
2020 2,447,752   2,447,752    
2019 1,448,698   1,448,698    
Prior 1,522,198   1,522,198    
Revolving Loans 5,190,409   5,190,409    
Total 30,714,141   30,714,141    
Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 53,961   53,961    
2022 76,434   76,434    
2021 49,867   49,867    
2020 26,674   26,674    
2019 10,226   10,226    
Prior 8,049   8,049    
Revolving Loans 68,384   68,384    
Total 293,595   293,595    
Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 [1] 16,929   16,929    
2022 [1] 7,828   7,828    
2021 [1] 228   228    
2020 [1] 8,931   8,931    
2019 [1] 17,548   17,548    
Prior [1] 11,734   11,734    
Revolving Loans [1] 38,067   38,067    
Total [1] 101,265   101,265    
Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 2,101   2,101    
2022 13,432   13,432    
2021 4,169   4,169    
2020 4,127   4,127    
2019 6,605   6,605    
Prior 5,643   5,643    
Revolving Loans 8,212   8,212    
Total 44,289   44,289    
Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 0   0    
Commercial real estate - Owner occupied          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 421,873   421,873    
2022 1,174,751   1,174,751    
2021 870,496   870,496    
2020 537,522   537,522    
2019 315,023   315,023    
Prior 459,918   459,918    
Revolving Loans 65,776   65,776    
Total 3,845,359   3,845,359   3,587,257
Charged-off loans 0 (879) 0 (965)  
Commercial real estate - Owner occupied | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Owner occupied | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Owner occupied | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Owner occupied | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Owner occupied | 2019          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Owner occupied | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Owner occupied | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Owner occupied | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 402,185   402,185    
2022 1,125,970   1,125,970    
2021 861,428   861,428    
2020 526,924   526,924    
2019 308,674   308,674    
Prior 455,582   455,582    
Revolving Loans 49,619   49,619    
Total 3,730,382   3,730,382    
Commercial real estate - Owner occupied | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 18,703   18,703    
2022 40,446   40,446    
2021 9,068   9,068    
2020 6,648   6,648    
2019 5,778   5,778    
Prior 1,416   1,416    
Revolving Loans 11,554   11,554    
Total 93,613   93,613    
Commercial real estate - Owner occupied | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 [1] 0   0    
2022 [1] 7,671   7,671    
2021 [1] 0   0    
2020 [1] 3,893   3,893    
2019 [1] 571   571    
Prior [1] 1,912   1,912    
Revolving Loans [1] 4,603   4,603    
Total [1] 18,650   18,650    
Commercial real estate - Owner occupied | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 985   985    
2022 664   664    
2021 0   0    
2020 57   57    
2019 0   0    
Prior 1,008   1,008    
Revolving Loans 0   0    
Total 2,714   2,714    
Commercial real estate - Owner occupied | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 0   0    
Commercial real estate - Non-owner occupied          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 757,404   757,404    
2022 2,474,274   2,474,274    
2021 1,699,154   1,699,154    
2020 958,814   958,814    
2019 657,261   657,261    
Prior 525,161   525,161    
Revolving Loans 98,820   98,820    
Total 7,170,888   7,170,888   6,542,619
Charged-off loans 0 (185) 0 (185)  
Commercial real estate - Non-owner occupied | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Non-owner occupied | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Non-owner occupied | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Non-owner occupied | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Non-owner occupied | 2019          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Non-owner occupied | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Non-owner occupied | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - Non-owner occupied | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 743,596   743,596    
2022 2,465,042   2,465,042    
2021 1,698,983   1,698,983    
2020 946,895   946,895    
2019 638,108   638,108    
Prior 519,105   519,105    
Revolving Loans 98,820   98,820    
Total 7,110,549   7,110,549    
Commercial real estate - Non-owner occupied | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 13,808   13,808    
2022 9,232   9,232    
2021 0   0    
2020 11,919   11,919    
2019 4,231   4,231    
Prior 5,488   5,488    
Revolving Loans 0   0    
Total 44,678   44,678    
Commercial real estate - Non-owner occupied | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 [1] 0   0    
2022 [1] 0   0    
2021 [1] 0   0    
2020 [1] 0   0    
2019 [1] 14,833   14,833    
Prior [1] 568   568    
Revolving Loans [1] 0   0    
Total [1] 15,401   15,401    
Commercial real estate - Non-owner occupied | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 171   171    
2020 0   0    
2019 89   89    
Prior 0   0    
Revolving Loans 0   0    
Total 260   260    
Commercial real estate - Non-owner occupied | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 0   0    
Consumer real estate – mortgage          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 377,450   377,450    
2022 1,014,576   1,014,576    
2021 1,090,302   1,090,302    
2020 476,766   476,766    
2019 225,357   225,357    
Prior 352,693   352,693    
Revolving Loans 1,155,529   1,155,529    
Total 4,692,673   4,692,673   4,435,046
Charged-off loans (300) (92) (430) (254)  
Consumer real estate – mortgage | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Consumer real estate – mortgage | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Consumer real estate – mortgage | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (80)    
Consumer real estate – mortgage | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (4)    
Consumer real estate – mortgage | 2019          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (15)    
Consumer real estate – mortgage | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (331)    
Consumer real estate – mortgage | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Consumer real estate – mortgage | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 377,450   377,450    
2022 1,013,187   1,013,187    
2021 1,087,824   1,087,824    
2020 472,753   472,753    
2019 218,984   218,984    
Prior 348,401   348,401    
Revolving Loans 1,155,154   1,155,154    
Total 4,673,753   4,673,753    
Consumer real estate – mortgage | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 155   155    
Revolving Loans 1   1    
Total 156   156    
Consumer real estate – mortgage | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 [1] 0   0    
2022 [1] 0   0    
2021 [1] 0   0    
2020 [1] 0   0    
2019 [1] 0   0    
Prior [1] 0   0    
Revolving Loans [1] 0   0    
Total [1] 0   0    
Consumer real estate – mortgage | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 1,389   1,389    
2021 2,478   2,478    
2020 4,013   4,013    
2019 6,373   6,373    
Prior 4,137   4,137    
Revolving Loans 374   374    
Total 18,764   18,764    
Consumer real estate – mortgage | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 0   0    
Construction and land development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 583,754   583,754    
2022 1,972,353   1,972,353    
2021 1,201,647   1,201,647    
2020 81,309   81,309    
2019 10,885   10,885    
Prior 9,531   9,531    
Revolving Loans 45,295   45,295    
Total 3,904,774   3,904,774   3,679,498
Charged-off loans 0 (150) 0 (150)  
Construction and land development | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Construction and land development | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Construction and land development | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Construction and land development | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Construction and land development | 2019          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Construction and land development | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Construction and land development | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Construction and land development | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 581,303   581,303    
2022 1,970,318   1,970,318    
2021 1,198,752   1,198,752    
2020 76,966   76,966    
2019 10,885   10,885    
Prior 9,446   9,446    
Revolving Loans 45,295   45,295    
Total 3,892,965   3,892,965    
Construction and land development | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 2,451   2,451    
2022 2,035   2,035    
2021 2,765   2,765    
2020 4,343   4,343    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 11,594   11,594    
Construction and land development | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 [1] 0   0    
2022 [1] 0   0    
2021 [1] 0   0    
2020 [1] 0   0    
2019 [1] 0   0    
Prior [1] 85   85    
Revolving Loans [1] 0   0    
Total [1] 85   85    
Construction and land development | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 130   130    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 130   130    
Construction and land development | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 0   0    
Commercial and industrial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 2,543,231   2,543,231    
2022 2,565,454   2,565,454    
2021 1,328,134   1,328,134    
2020 387,589   387,589    
2019 273,402   273,402    
Prior 199,374   199,374    
Revolving Loans 3,686,727   3,686,727    
Total 10,983,911   10,983,911   10,241,362
Charged-off loans (14,179) (5,275) (24,828) (9,655)  
Commercial and industrial | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (70)    
Commercial and industrial | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (9,137)    
Commercial and industrial | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (7,284)    
Commercial and industrial | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (594)    
Commercial and industrial | 2019          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (20)    
Commercial and industrial | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (154)    
Commercial and industrial | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (7,569)    
Commercial and industrial | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 2,506,187   2,506,187    
2022 2,529,197   2,529,197    
2021 1,288,513   1,288,513    
2020 378,730   378,730    
2019 270,898   270,898    
Prior 188,722   188,722    
Revolving Loans 3,588,606   3,588,606    
Total 10,750,853   10,750,853    
Commercial and industrial | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 18,999   18,999    
2022 24,721   24,721    
2021 38,034   38,034    
2020 3,764   3,764    
2019 217   217    
Prior 990   990    
Revolving Loans 56,829   56,829    
Total 143,554   143,554    
Commercial and industrial | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 [1] 16,929   16,929    
2022 [1] 157   157    
2021 [1] 228   228    
2020 [1] 5,038   5,038    
2019 [1] 2,144   2,144    
Prior [1] 9,169   9,169    
Revolving Loans [1] 33,464   33,464    
Total [1] 67,129   67,129    
Commercial and industrial | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 1,116   1,116    
2022 11,379   11,379    
2021 1,359   1,359    
2020 57   57    
2019 143   143    
Prior 493   493    
Revolving Loans 7,828   7,828    
Total 22,375   22,375    
Commercial and industrial | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 0   0    
Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 131,012   131,012    
2022 38,336   38,336    
2021 85,832   85,832    
2020 45,484   45,484    
2019 1,149   1,149    
Prior 947   947    
Revolving Loans 252,925   252,925    
Total 555,685   555,685   $ 555,823
Charged-off loans (4,406) $ (2,592) (7,649) $ (4,476)  
Consumer and other | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Consumer and other | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (341)    
Consumer and other | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (3,587)    
Consumer and other | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (1,380)    
Consumer and other | 2019          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (76)    
Consumer and other | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (46)    
Consumer and other | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (2,219)    
Consumer and other | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 131,012   131,012    
2022 38,336   38,336    
2021 85,801   85,801    
2020 45,484   45,484    
2019 1,149   1,149    
Prior 942   942    
Revolving Loans 252,915   252,915    
Total 555,639   555,639    
Consumer and other | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total 0   0    
Consumer and other | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 [1] 0   0    
2022 [1] 0   0    
2021 [1] 0   0    
2020 [1] 0   0    
2019 [1] 0   0    
Prior [1] 0   0    
Revolving Loans [1] 0   0    
Total [1] 0   0    
Consumer and other | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 31   31    
2020 0   0    
2019 0   0    
Prior 5   5    
Revolving Loans 10   10    
Total 46   46    
Consumer and other | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 0   0    
2022 0   0    
2021 0   0    
2020 0   0    
2019 0   0    
Prior 0   0    
Revolving Loans 0   0    
Total $ 0   $ 0    
[1] Potential problem loans represent those loans with a well-defined weakness and where information about possible credit problems of borrowers has caused management to have doubts about the borrower's ability to comply with present repayment terms. This definition is believed to be substantially consistent with the standards established by Pinnacle Bank's primary regulators for loans classified as substandard, excluding loan modifications made to borrowers experiencing financial difficulty. Potential problem loans, which are not included in nonaccrual loans, amounted to approximately $98.9 million at June 30, 2023, compared to $53.8 million at December 31, 2022.