Pinnacle Financial Partners Inc 2026年季度报告

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorterperiod that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer”,“smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act. Table of Contents Part I.Financial InformationIndex of Defined TermsItem 1.Financial Statements (Unaudited)Condensed Consolidated Balance Sheets as of March 31, 2026 and December 31, 2025Condensed Consolidated Statements of Income for the Three Months Ended March 31, 2026 and 2025Condensed Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2026 and 2025Condensed Consolidated Statements of Changes in Shareholders' Equity for the Three Months Ended March 31, 2026 and 2025Condensed Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 2025Notes to Unaudited Interim Condensed Consolidated Financial StatementsItem 2.Management's Discussion and Analysis of Financial Condition and Results of OperationsItem 3.Quantitative and Qualitative Disclosures About Market RiskItem 4.Controls and Procedures Part II.Other InformationItem 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.ExhibitsSignatures PINNACLE FINANCIAL PARTNERS, INC.INDEX OF DEFINED TERMS Throughout this discussion, references to "Pinnacle", "we", "our", "us", "the Company" and similar terms refer to the consolidated entity consisting of Pinnacle Financial Partners, Inc. and itssubsidiaries unless the context indicates that we refer only to the Parent Company, Pinnacle Financial Partners, Inc. When we refer to the "Bank" or "Pinnacle Bank" we mean our only bank subsidiary,Pinnacle Bank.ACL– Allowance for credit losses (ALL, reserve on unfunded loan commitments, and reserve, if required, on debt securities and other receivables)AFS– Available for saleALCO– Pinnacle's Asset Liability Management CommitteeALL– Allowance for loan lossesAOCI– Accumulated other comprehensive income (loss)ASC– Accounting Standards CodificationASU– Accounting Standards UpdateATM– Automatic teller machineBasel III– The third Basel Accord developed by the Basel Committee on Banking Supervision to strengthen existing regulatory capital requirementsBHG– Bankers Healthcare Group, LLCBoard– Pinnacle's Board of DirectorsBOLI– Bank-owned life insurance policiesbp(s)– Basis point(s)C&I– Commercial and industrialCCAR– Comprehensive Capital Analysis and ReviewCECL–Current expected credit lossesCET1– Common Equity Tier 1 Capital defined by Basel III capital rulesCIB–Corporate and Investment BankingCMO– Collateralized mortgage obligationCODM– Chief operating decision makerCompany– Pinnacle Financial Partners, Inc. and its wholly-owned subsidiaries, except where the context indicates otherwiseCovered Litigation– Certain Visa litigation for which Visa is indemnified by Visa USA membersCRA– Community Reinvestment ActCRE– Commercial real estateDCF– Discounted cash flowERM– Enterprise risk managementEVE– Economic value of equityExchange Act– Securities Exchange Act of 1934, as amendedFASB– Financial Accounting Standards BoardFDIC– Federal Deposit Insurance CorporationFDM– Financial Difficulty Modification Federal Reserve Bank– One of the 12 banks that are the operating arms of the U.S. central bank. They implement the policies of the Federal Reserve Board, supervise bank holding companies andcertain banking institutions, and also conduct economic research Federal Reserve Board– The 7-member Board of Governors that oversees the Federal Reserve System, establishes monetary policy (interest rates, credit, etc.), and monitors the economic health of thecountry. Its members are appointed by the President subject to Senate confirmation, and serve 14-year terms Federal Reserve System or Federal Reserve– The Federal Reserve Board plus 12 Federal Reserve Banks, with each one serving member banks in its own district. The Federal Reserve has broadregulatory powers over the money supply and the credit structure of the economy FFIEC– Federal Financial Institutions Examination Council FFIEC Retail Credit Classification Policy– FFIEC Uniform Retail Credit Classification and Account Management Policy FHLB– Federal Home Loan Bank FICO– Fair Isaac Corporation FOMC–Federal Open Market Committee FRB– Federal Reserve Bank FTP– Funds transfer pricing GA DBF– Georgia Department of Banking and Finance GAAP– Generally Accepted Accounting Prin