XML 54 R41.htm IDEA: XBRL DOCUMENT v3.24.3
Loans and Allowance for Credit Losses - Loan Classification by Risk Rating Category (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 $ 5,852,667   $ 5,852,667   $ 7,801,081
2023 5,152,722   5,152,722   8,956,751
2022 8,524,224   8,524,224   5,834,396
2021 5,175,233   5,175,233   2,057,226
2020 1,659,210   1,659,210   1,215,843
Prior 1,762,083   1,762,083   1,222,983
Revolving Loans 6,182,171   6,182,171   5,587,811
Total 34,308,310   34,308,310   32,676,091
Charged-off loans (23,139) $ (24,709) (72,773) $ (57,616)  
Potential problem loans 48,200   48,200   127,400
2024          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (2,088)    
2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (11,126)    
2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (16,350)    
2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (18,786)    
2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (2,054)    
Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (770)    
Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (21,599)    
Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 5,750,641   5,750,641   7,731,335
2023 5,044,672   5,044,672   8,844,015
2022 8,414,763   8,414,763   5,742,666
2021 5,078,431   5,078,431   2,038,952
2020 1,651,033   1,651,033   1,202,431
Prior 1,726,721   1,726,721   1,196,095
Revolving Loans 6,130,568   6,130,568   5,479,475
Total 33,796,829   33,796,829   32,234,969
Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 87,419   87,419   15,448
2023 70,301   70,301   90,359
2022 75,900   75,900   17,757
2021 33,035   33,035   13,996
2020 6,076   6,076   5,666
Prior 12,615   12,615   11,883
Revolving Loans 30,131   30,131   45,025
Total 315,477   315,477   200,134
Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 5,934 [1]   5,934 [1]   41,393
2023 21,010 [1]   21,010 [1]   14,543
2022 20,191 [1]   20,191 [1]   28,573
2021 1,296 [1]   1,296 [1]   1,290
2020 100 [1]   100 [1]   2,122
Prior 9,694 [1]   9,694 [1]   9,793
Revolving Loans 18,486 [1]   18,486 [1]   60,986
Total 76,711 [1]   76,711 [1]   158,700
Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 8,673   8,673   12,905
2023 16,739   16,739   7,834
2022 13,370   13,370   45,400
2021 62,471   62,471   2,987
2020 2,001   2,001   5,624
Prior 13,053   13,053   5,212
Revolving Loans 2,986   2,986   2,325
Total 119,293   119,293   82,287
Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   1
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 0   0   1
Commercial real estate - owner occupied          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 535,630   535,630   794,738
2023 799,269   799,269   1,170,695
2022 1,110,161   1,110,161   880,637
2021 802,837   802,837   505,710
2020 459,794   459,794   273,469
Prior 484,275   484,275   362,967
Revolving Loans 72,777   72,777   56,680
Total 4,264,743   4,264,743   4,044,896
Charged-off loans 0 0 (8,904) 0  
Commercial real estate - owner occupied | 2024          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Commercial real estate - owner occupied | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (2,808)    
Commercial real estate - owner occupied | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (4,480)    
Commercial real estate - owner occupied | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (1,522)    
Commercial real estate - owner occupied | 2020          
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     (94)    
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]          
2024 519,550   519,550   785,834
2023 791,255   791,255   1,123,425
2022 1,098,122   1,098,122   871,389
2021 797,684   797,684   502,260
2020 455,593   455,593   267,595
Prior 473,887   473,887   357,339
Revolving Loans 72,777   72,777   56,680
Total 4,208,868   4,208,868   3,964,522
Commercial real estate - owner occupied | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 11,786   11,786   1,595
2023 4,012   4,012   37,324
2022 11,112   11,112   5,300
2021 3,235   3,235   2,252
2020 4,118   4,118   5,306
Prior 8,868   8,868   4,701
Revolving Loans 0   0   0
Total 43,131   43,131   56,478
Commercial real estate - owner occupied | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0 [1]   0 [1]   5,528
2023 3,153 [1]   3,153 [1]   9,331
2022 927 [1]   927 [1]   3,262
2021 86 [1]   86 [1]   1,145
2020 83 [1]   83 [1]   568
Prior 767 [1]   767 [1]   610
Revolving Loans 0 [1]   0 [1]   0
Total 5,016 [1]   5,016 [1]   20,444
Commercial real estate - owner occupied | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 4,294   4,294   1,781
2023 849   849   615
2022 0   0   686
2021 1,832   1,832   53
2020 0   0   0
Prior 753   753   317
Revolving Loans 0   0   0
Total 7,728   7,728   3,452
Commercial real estate - owner occupied | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 0   0   0
Commercial real estate - non-owner occupied          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 997,603   997,603   1,329,832
2023 918,651   918,651   2,715,626
2022 3,069,600   3,069,600   1,777,455
2021 2,019,324   2,019,324   720,724
2020 502,940   502,940   507,178
Prior 517,245   517,245   376,317
Revolving Loans 107,025   107,025   108,362
Total 8,132,388   8,132,388   7,535,494
Charged-off loans (266) 0 (3,347) 0  
Commercial real estate - non-owner occupied | 2024          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (1,347)    
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     (2,000)    
Commercial real estate - non-owner occupied | 2020          
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]          
2024 940,400   940,400   1,304,109
2023 904,676   904,676   2,682,275
2022 3,037,444   3,037,444   1,737,275
2021 1,981,035   1,981,035   713,979
2020 501,402   501,402   505,767
Prior 515,403   515,403   370,420
Revolving Loans 107,025   107,025   107,841
Total 7,987,385   7,987,385   7,421,666
Commercial real estate - non-owner occupied | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 57,203   57,203   0
2023 0   0   30,229
2022 32,032   32,032   0
2021 0   0   6,745
2020 1,538   1,538   216
Prior 1,842   1,842   5,335
Revolving Loans 0   0   0
Total 92,615   92,615   42,525
Commercial real estate - non-owner occupied | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0 [1]   0 [1]   25,723
2023 13,483 [1]   13,483 [1]   2,969
2022 0 [1]   0 [1]   0
2021 0 [1]   0 [1]   0
2020 0 [1]   0 [1]   1,195
Prior 0 [1]   0 [1]   73
Revolving Loans 0 [1]   0 [1]   0
Total 13,483 [1]   13,483 [1]   29,960
Commercial real estate - non-owner occupied | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 492   492   153
2022 124   124   40,180
2021 38,289   38,289   0
2020 0   0   0
Prior 0   0   489
Revolving Loans 0   0   521
Total 38,905   38,905   41,343
Commercial real estate - non-owner occupied | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 0   0   0
Consumer real estate – mortgage          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 270,995   270,995   573,808
2023 527,904   527,904   978,271
2022 915,661   915,661   1,059,671
2021 999,547   999,547   450,945
2020 412,080   412,080   213,055
Prior 464,864   464,864   322,176
Revolving Loans 1,316,715   1,316,715   1,253,605
Total 4,907,766   4,907,766   4,851,531
Charged-off loans (126) (168) (788) (598)  
Consumer real estate – mortgage | 2024          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
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     (41)    
Consumer real estate – mortgage | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
Consumer real estate – mortgage | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (18)    
Consumer real estate – mortgage | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (12)    
Consumer real estate – mortgage | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (717)    
Consumer real estate – mortgage | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 270,935   270,935   573,120
2023 521,756   521,756   976,006
2022 909,163   909,163   1,056,720
2021 994,212   994,212   448,420
2020 410,196   410,196   207,790
Prior 453,399   453,399   318,505
Revolving Loans 1,315,112   1,315,112   1,253,091
Total 4,874,773   4,874,773   4,833,652
Consumer real estate – mortgage | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 370   370   0
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 370   370   0
Consumer real estate – mortgage | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0 [1]   0 [1]   0
2023 0 [1]   0 [1]   0
2022 0 [1]   0 [1]   0
2021 0 [1]   0 [1]   0
2020 0 [1]   0 [1]   0
Prior 0 [1]   0 [1]   0
Revolving Loans 0 [1]   0 [1]   0
Total 0 [1]   0 [1]   0
Consumer real estate – mortgage | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 60   60   688
2023 6,148   6,148   2,265
2022 6,498   6,498   2,951
2021 4,965   4,965   2,525
2020 1,884   1,884   5,265
Prior 11,465   11,465   3,671
Revolving Loans 1,603   1,603   514
Total 32,623   32,623   17,879
Consumer real estate – mortgage | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 0   0   0
Construction and land development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 821,986   821,986   1,155,865
2023 673,278   673,278   1,930,670
2022 1,568,291   1,568,291   884,060
2021 354,260   354,260   16,569
2020 7,767   7,767   5,580
Prior 6,895   6,895   6,451
Revolving Loans 54,027   54,027   41,886
Total 3,486,504   3,486,504   4,041,081
Charged-off loans 0 (3) 0 (3)  
Construction and land development | 2024          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     0    
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 | 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]          
2024 820,303   820,303   1,153,137
2023 671,283   671,283   1,930,062
2022 1,568,291   1,568,291   884,060
2021 329,150   329,150   12,102
2020 7,755   7,755   5,580
Prior 6,895   6,895   6,369
Revolving Loans 54,027   54,027   41,886
Total 3,457,704   3,457,704   4,033,196
Construction and land development | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 504   504   2,728
2023 0   0   0
2022 0   0   0
2021 25,110   25,110   4,467
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 25,614   25,614   7,195
Construction and land development | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0 [1]   0 [1]   0
2023 0 [1]   0 [1]   0
2022 0 [1]   0 [1]   0
2021 0 [1]   0 [1]   0
2020 0 [1]   0 [1]   0
Prior 0 [1]   0 [1]   82
Revolving Loans 0 [1]   0 [1]   0
Total 0 [1]   0 [1]   82
Construction and land development | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 1,179   1,179   0
2023 1,995   1,995   608
2022 0   0   0
2021 0   0   0
2020 12   12   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 3,186   3,186   608
Construction and land development | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 0   0   0
Commercial and industrial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 3,102,292   3,102,292   3,810,029
2023 2,213,072   2,213,072   2,132,715
2022 1,839,459   1,839,459   1,166,447
2021 950,869   950,869   326,263
2020 249,076   249,076   216,020
Prior 288,071   288,071   154,416
Revolving Loans 4,344,026   4,344,026   3,860,801
Total 12,986,865   12,986,865   11,666,691
Charged-off loans (19,842) (20,330) (50,611) (45,158)  
Commercial and industrial | 2024          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (716)    
Commercial and industrial | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (8,036)    
Commercial and industrial | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (11,719)    
Commercial and industrial | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (12,446)    
Commercial and industrial | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (701)    
Commercial and industrial | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (657)    
Commercial and industrial | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (16,336)    
Commercial and industrial | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 3,075,697   3,075,697   3,778,326
2023 2,135,154   2,135,154   2,103,473
2022 1,780,693   1,780,693   1,127,096
2021 927,995   927,995   325,176
2020 248,559   248,559   215,158
Prior 276,405   276,405   142,806
Revolving Loans 4,294,026   4,294,026   3,753,575
Total 12,738,529   12,738,529   11,445,610
Commercial and industrial | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 17,926   17,926   11,125
2023 66,289   66,289   22,806
2022 32,756   32,756   12,457
2021 4,320   4,320   532
2020 420   420   144
Prior 1,905   1,905   1,847
Revolving Loans 30,131   30,131   45,025
Total 153,747   153,747   93,936
Commercial and industrial | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 5,934 [1]   5,934 [1]   10,142
2023 4,374 [1]   4,374 [1]   2,243
2022 19,264 [1]   19,264 [1]   25,311
2021 1,210 [1]   1,210 [1]   145
2020 17 [1]   17 [1]   359
Prior 8,927 [1]   8,927 [1]   9,028
Revolving Loans 18,486 [1]   18,486 [1]   60,986
Total 58,212 [1]   58,212 [1]   108,214
Commercial and industrial | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 2,735   2,735   10,436
2023 7,255   7,255   4,193
2022 6,746   6,746   1,583
2021 17,344   17,344   409
2020 80   80   359
Prior 834   834   735
Revolving Loans 1,383   1,383   1,215
Total 36,377   36,377   18,930
Commercial and industrial | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   1
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 0   0   1
Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 124,161   124,161   136,809
2023 20,548   20,548   28,774
2022 21,052   21,052   66,126
2021 48,396   48,396   37,015
2020 27,553   27,553   541
Prior 733   733   656
Revolving Loans 287,601   287,601   266,477
Total 530,044   530,044   536,398
Charged-off loans (2,905) $ (4,208) (9,123) $ (11,857)  
Consumer and other | 2024          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (25)    
Consumer and other | 2023          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (282)    
Consumer and other | 2022          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (110)    
Consumer and other | 2021          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (2,818)    
Consumer and other | 2020          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (1,335)    
Consumer and other | Prior          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (7)    
Consumer and other | Revolving Loans          
Financing Receivable, Credit Quality Indicator [Line Items]          
Charged-off loans     (4,546)    
Consumer and other | Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 123,756   123,756   136,809
2023 20,548   20,548   28,774
2022 21,050   21,050   66,126
2021 48,355   48,355   37,015
2020 27,528   27,528   541
Prior 732   732   656
Revolving Loans 287,601   287,601   266,402
Total 529,570   529,570   536,323
Consumer and other | Special Mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total 0   0   0
Consumer and other | Substandard          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0 [1]   0 [1]   0
2023 0 [1]   0 [1]   0
2022 0 [1]   0 [1]   0
2021 0 [1]   0 [1]   0
2020 0 [1]   0 [1]   0
Prior 0 [1]   0 [1]   0
Revolving Loans 0 [1]   0 [1]   0
Total 0 [1]   0 [1]   0
Consumer and other | Substandard-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 405   405   0
2023 0   0   0
2022 2   2   0
2021 41   41   0
2020 25   25   0
Prior 1   1   0
Revolving Loans 0   0   75
Total 474   474   75
Consumer and other | Doubtful-nonaccrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
2020 0   0   0
Prior 0   0   0
Revolving Loans 0   0   0
Total $ 0   $ 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 $48.2 million at September 30, 2024, compared to $127.4 million at December 31, 2023.