Regulatory Matters (Tables)

3 Months Ended

Sep. 30, 2020

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

Summary of Regulatory Capital Requirement

Management believes, as of September 30, 2020, 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 Under Prompt Corrective Action Regulations
	Amount		Ratio		Amount		Ratio		Amount		Ratio
At September 30, 2020
Total capital to risk weighted assets:
Pinnacle Financial	$	3,578,436	14.2	%	$	2,015,196	8.0	%	$	2,518,994	10.0	%
Pinnacle Bank	$	3,146,468	12.6	%	$	2,005,334	8.0	%	$	2,506,667	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	2,702,540	10.7	%	$	1,511,397	6.0	%	$	2,015,196	8.0	%
Pinnacle Bank	$	2,819,572	11.3	%	$	1,504,000	6.0	%	$	2,005,334	8.0	%
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	2,485,291	9.9	%	$	1,133,547	4.5	%	NA		NA
Pinnacle Bank	$	2,819,450	11.3	%	$	1,128,000	4.5	%	$	1,629,333	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	2,702,540	8.5	%	$	1,273,124	4.0	%	NA		NA
Pinnacle Bank	$	2,819,572	8.9	%	$	1,269,171	4.0	%	$	1,586,464	5.0	%
At December 31, 2019
Total capital to risk weighted assets:
Pinnacle Financial	$	3,159,375	13.2	%	$	1,912,885	8.0	%	$	2,391,106	10.0	%
Pinnacle Bank	$	2,906,853	12.2	%	$	1,906,839	8.0	%	$	2,383,549	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	2,319,234	9.7	%	$	1,434,664	6.0	%	$	1,912,885	8.0	%
Pinnacle Bank	$	2,679,713	11.2	%	$	1,430,129	6.0	%	$	1,906,839	8.0	%

	Actual				Minimum Capital Requirement				Minimum To Be Well-Capitalized Under Prompt Corrective Action Regulations
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	2,319,112	9.7	%	$	1,075,998	4.5	%	NA		NA
Pinnacle Bank	$	2,679,590	11.2	%	$	1,072,597	4.5	%	$	1,549,307	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	2,319,234	9.1	%	$	1,021,836	4.0	%	NA		NA
Pinnacle Bank	$	2,679,713	10.5	%	$	1,019,210	4.0	%	$	1,274,012	5.0	%

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