Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2025

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

Summary of Regulatory Capital Requirement

Management believes, as of September 30, 2025, 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 applicable 2.5% capital conservation buffer, are presented in the following table (in thousands):


	Actual				Minimum Capital Requirement				Minimum To Be Well-Capitalized (1)
	Amount		Ratio		Amount		Ratio		Amount		Ratio
At September 30, 2025
Total capital to risk weighted assets:
Pinnacle Financial	$	5,898,518	12.9	%	$	3,645,705	8.0	%	$	4,557,131	10.0	%
Pinnacle Bank	$	5,684,596	12.5	%	$	3,640,273	8.0	%	$	4,550,341	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	5,150,632	11.3	%	$	2,734,278	6.0	%	$	2,734,278	6.0	%
Pinnacle Bank	$	5,245,710	11.5	%	$	2,730,205	6.0	%	$	3,640,273	8.0	%
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	4,933,383	10.8	%	$	2,050,709	4.5	%	N/A		N/A
Pinnacle Bank	$	5,245,588	11.5	%	$	2,047,653	4.5	%	$	2,957,722	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	5,150,632	9.6	%	$	2,152,066	4.0	%	N/A		N/A
Pinnacle Bank	$	5,245,710	9.8	%	$	2,148,674	4.0	%	$	2,685,842	5.0	%






At December 31, 2024
Total capital to risk weighted assets:
Pinnacle Financial	$	5,515,492	13.1	%	$	3,358,116	8.0	%	$	4,197,645	10.0	%
Pinnacle Bank	$	5,246,472	12.5	%	$	3,352,352	8.0	%	$	4,190,440	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	4,751,357	11.3	%	$	2,518,587	6.0	%	$	2,518,587	6.0	%
Pinnacle Bank	$	4,851,336	11.6	%	$	2,514,264	6.0	%	$	3,352,352	8.0	%
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	4,534,108	10.8	%	$	1,888,940	4.5	%	N/A		N/A
Pinnacle Bank	$	4,851,213	11.6	%	$	1,885,698	4.5	%	$	2,723,786	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	4,751,357	9.6	%	$	1,989,495	4.0	%	N/A		N/A
Pinnacle Bank	$	4,851,336	9.8	%	$	1,984,252	4.0	%	$	2,480,315	5.0	%

(1) Well-capitalized minimum Common equity Tier 1 capital to risk weighted assets and Tier 1 capital to average assets are not formally defined under applicable banking regulations for bank holding companies.

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

^[1]

[1]	Well-capitalized minimum Common equity Tier 1 capital to risk weighted assets and Tier 1 capital to average assets are not formally defined under applicable banking regulations for bank holding companies.