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Loans and Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable
Loans at June 30, 2022 and December 31, 2021 were as follows (in thousands):
June 30, 2022December 31, 2021
Commercial real estate:
Owner occupied$3,243,018 $3,048,822
Non-owner occupied5,861,596 5,221,704
Consumer real estate – mortgage4,047,051 3,680,684
Construction and land development3,386,866 2,903,017
Commercial and industrial9,295,808 8,074,546
Consumer and other498,757 485,489
Subtotal$26,333,096 $23,414,262 
Allowance for credit losses(272,483)(263,233)
Loans, net$26,060,613 $23,151,029 
Loan Classification Categorized by Risk Rating Category The table below presents loan balances classified within each risk rating category by primary loan type and based on year of origination or most recent renewal as of June 30, 2022 (in thousands):
June 30, 202220222021202020192018PriorRevolving LoansTotal
Commercial real estate - Owner occupied
Pass$574,287 $858,414 $658,343 $355,582 $280,823 $366,273 $51,913 $3,145,635 
Special Mention24,128 20,434 9,556 1,621 1,247 11,280 12,990 81,256 
Substandard (1)
2,260 1,007 1,664 5,620 184 2,636 — 13,371 
Substandard-nonaccrual— 1,151 — 257 959 389 — 2,756 
Doubtful-nonaccrual— — — — — — — — 
Total Commercial real estate - owner occupied$600,675 $881,006 $669,563 $363,080 $283,213 $380,578 $64,903 $3,243,018 
Commercial real estate - Non-owner occupied
Pass$1,336,133 $1,589,780 $987,203 $829,154 $381,453 $539,685 $67,906 $5,731,314 
Special Mention7,457 13,390 60,295 13,927 — 26,254 — 121,323 
Substandard (1)
— 1,654 3,806 1,315 — — — 6,775 
Substandard-nonaccrual— 1,040 — — 461 683 — 2,184 
Doubtful-nonaccrual— — — — — — — — 
Total Commercial real estate - Non-owner occupied$1,343,590 $1,605,864 $1,051,304 $844,396 $381,914 $566,622 $67,906 $5,861,596 
Consumer real estate – mortgage
Pass$572,274 $1,186,965 $523,748 $261,456 $148,454 $304,406 $1,040,556 $4,037,859 
Special Mention— — — — 224 48 — 272 
Substandard (1)
— — 349 — — — — 349 
Substandard-nonaccrual— 192 1,047 4,093 989 2,087 163 8,571 
Doubtful-nonaccrual— — — — — — — — 
Total Consumer real estate – mortgage$572,274 $1,187,157 $525,144 $265,549 $149,667 $306,541 $1,040,719 $4,047,051 
Construction and land development
Pass$1,027,671 $1,642,080 $515,833 $157,522 $8,281 $10,448 $14,171 $3,376,006 
Special Mention— — — 9,849 — — — 9,849 
Substandard (1)
441 — — 8 13 146 — 608 
Substandard-nonaccrual— — — 204 — 199 — 403 
Doubtful-nonaccrual— — — — — — — — 
Total Construction and land development$1,028,112 $1,642,080 $515,833 $167,583 $8,294 $10,793 $14,171 $3,386,866 
Commercial and industrial
Pass$2,226,356 $2,187,721 $609,856 $468,021 $191,181 $165,983 $3,258,859 $9,107,977 
Special Mention1,832 22,789 6,528 35,529 5,922 1,274 48,454 122,328 
Substandard (1)
13,506 11,325 299 5,938 1,386 1,041 30,463 63,958 
Substandard-nonaccrual184 126 — 255 217 467 296 1,545 
Doubtful-nonaccrual— — — — — — — — 
 Total Commercial and industrial$2,241,878 $2,221,961 $616,683 $509,743 $198,706 $168,765 $3,338,072 $9,295,808 
Consumer and other
Pass$84,705 $124,829 $68,254 $3,471 $1,365 $1,776 $214,357 $498,757 
Special Mention— — — — — — — — 
Substandard (1)
— — — — — — — — 
Substandard-nonaccrual— — — — — — — — 
Doubtful-nonaccrual— — — — — — — — 
Total Consumer and other$84,705 $124,829 $68,254 $3,471 $1,365 $1,776 $214,357 $498,757 
Total loans
Pass$5,821,426 $7,589,789 $3,363,237 $2,075,206 $1,011,557 $1,388,571 $4,647,762 $25,897,548 
Special Mention33,417 56,613 76,379 60,926 7,393 38,856 61,444 335,028 
Substandard (1)
16,207 13,986 6,118 12,881 1,583 3,823 30,463 85,061 
Substandard-nonaccrual184 2,509 1,047 4,809 2,626 3,825 459 15,459 
Doubtful-nonaccrual— — — — — — — — 
Total loans$5,871,234 $7,662,897 $3,446,781 $2,153,822 $1,023,159 $1,435,075 $4,740,128 $26,333,096 
(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 troubled debt restructurings. Potential problem loans, which are not included in nonaccrual loans, amounted to approximately $85.1 million at June 30, 2022, compared to $109.6 million at December 31, 2021.
Past Due Balances by Loan Classification
The table below presents the aging of past due balances by loan segment at June 30, 2022 and December 31, 2021 (in thousands):

June 30, 202230-59 days past due60-89 days past due90 days or more past dueTotal
past due		CurrentTotal loans
Commercial real estate:
Owner occupied$650 $756 $2,564 $3,970 $3,239,048 $3,243,018 
Non-owner occupied631 — 1,723 2,354 5,859,242 5,861,596 
Consumer real estate – mortgage1,834 9,961 5,604 17,399 4,029,652 4,047,051 
Construction and land development4 — 200 204 3,386,662 3,386,866 
Commercial and industrial7,064 3,074 3,260 13,398 9,282,410 9,295,808 
Consumer and other2,531 1,566 498 4,595 494,162 498,757 
Total$12,714 $15,357 $13,849 $41,920 $26,291,176 $26,333,096 
December 31, 2021
Commercial real estate:
Owner occupied$727 $— $2,426 $3,153 $3,045,669 $3,048,822 
Non-owner occupied1,434 — 645 2,079 5,219,625 5,221,704 
Consumer real estate – mortgage8,710 122 4,450 13,282 3,667,402 3,680,684 
Construction and land development61 — 127 188 2,902,829 2,903,017 
Commercial and industrial4,926 2,677 7,311 14,914 8,059,632 8,074,546 
Consumer and other1,715 568 372 2,655 482,834 485,489 
Total$17,573 $3,367 $15,331 $36,271 $23,377,991 $23,414,262 
Details of Changes in the Allowance for Loan Losses The following table details the changes in the allowance for credit losses for the three and six months ended June 30, 2022 and 2021, respectively, by loan classification (in thousands):
 Commercial real estate - Owner occupiedCommercial real estate - Non-owner occupiedConsumer
 real estate - mortgage		Construction and land developmentCommercial and industrialConsumer
and other		Total
Three months ended June 30, 2022:
Balance at March 31, 2022$19,505 $56,078 $32,320 $29,823 $112,412 $11,480 $261,618 
Charged-off loans(879)(185)(92)(150)(5,275)(2,592)(9,173)
Recovery of previously charged-off loans207 184 578 75 5,600 1,652 8,296 
Provision for credit losses on loans776 (3,530)1,077 (1,067)13,035 1,451 11,742 
Balance at June 30, 2022$19,609 $52,547 $33,883 $28,681 $125,772 $11,991 $272,483 
Three months ended June 30, 2021:      
Balance at March 31, 2021$22,065 $80,519 $30,199 $37,642 $101,076 $9,380 $280,881 
Charged-off loans(6)(332)(161)— (10,972)(1,284)(12,755)
Recovery of previously charged-off loans476 147 548 200 645 771 2,787 
Provision for credit losses on loans(3,224)(1,253)(141)(4,355)11,352 455 2,834 
Balance at June 30, 2021$19,311 $79,081 $30,445 $33,487 $102,101 $9,322 $273,747 
 Commercial real estate - Owner occupiedCommercial real estate - Non-owner occupiedConsumer
 real estate - mortgage		Construction and land developmentCommercial and industrialConsumer
and other		Total
Six months ended June 30, 2022:      
Balance at December 31, 2021$19,618 $58,504 $32,104 $29,429 $112,340 $11,238 $263,233 
Charged-off loans(965)(185)(254)(150)(9,655)(4,476)(15,685)
Recovery of previously charged-off loans334 247 872 149 7,524 2,724 11,850 
Provision for credit losses on loans622 (6,019)1,161 (747)15,563 2,505 13,085 
Balance at June 30, 2022$19,609 $52,547 $33,883 $28,681 $125,772 $11,991 $272,483 
Six months ended June 30, 2021:      
Balance at December 31, 2020$23,298 $79,132 $33,304 $42,408 $98,423 $8,485 $285,050 
Charged-off loans(703)(472)(532)(367)(22,721)(2,234)(27,029)
Recovery of previously charged-off loans1,078 159 913 237 1,851 1,426 5,664 
Provision for credit losses on loans(4,362)262 (3,240)(8,791)24,548 1,645 10,062 
Balance at June 30, 2021$19,311 $79,081 $30,445 $33,487 $102,101 $9,322 $273,747 
Schedule of Collateral Dependent Loans Individually Evaluated for ACL The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, as of June 30, 2022 and December 31, 2021 (in thousands):
Real EstateBusiness AssetsOtherTotal
June 30, 2022
Commercial real estate:
Owner occupied$5,203 $— $— $5,203 
Non-owner occupied4,707 — — 4,707 
Consumer real estate – mortgage14,067 — — 14,067 
Construction and land development1,240 — — 1,240 
Commercial and industrial— 1,491 — 1,491 
Consumer and other— — — — 
Total $25,217 $1,491 $— $26,708 
December 31, 2021
Commercial real estate:
Owner occupied$5,300 $— $— $5,300 
Non-owner occupied5,631 — — 5,631 
Consumer real estate – mortgage16,392 — — 16,392 
Construction and land development1,208 — — 1,208 
Commercial and industrial— 6,976 206 7,182 
Consumer and other— — — — 
Total $28,531 $6,976 $206 $35,713 
Financing Receivable, Nonaccrual The table below presents the amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest at June 30, 2022 and December 31, 2021. Also presented is the balance of loans on nonaccrual status at June 30, 2022 for which there was no related allowance for credit losses recorded (in thousands):
June 30, 2022December 31, 2021
Total nonaccrual loansNonaccrual loans with no allowance for credit lossesLoans past due 90 or more days and still accruingTotal nonaccrual loansNonaccrual loans with no allowance for credit lossesLoans past due 90 or more days and still accruing
Commercial real estate:
Owner occupied$2,756 $— $— $2,694 $— $— 
Non-owner occupied2,184 1,040 — 1,404 — — 
Consumer real estate – mortgage8,572 — 1,181 10,264 — 144 
Construction and land development403 — — 356 — — 
Commercial and industrial1,545 184 2,160 16,849 13,188 1,091 
Consumer and other— — 498 2 — 372 
Total$15,460 $1,224 $3,839 $31,569 $13,188 $1,607 
Summary of Loan Portfolio Credit Risk Exposure Pinnacle Financial analyzes its commercial loan portfolio to determine if a concentration of credit risk exists to any industries. Pinnacle Financial utilizes broadly accepted industry classification systems in order to classify borrowers into various industry classifications. Pinnacle Financial has a credit exposure (loans outstanding plus unfunded lines of credit) exceeding 25% of Pinnacle Bank's total risk-based capital to borrowers in the following industries at June 30, 2022 with the comparative exposures for December 31, 2021 (in thousands):
 June 30, 2022 
 Outstanding Principal BalancesUnfunded CommitmentsTotal exposureTotal Exposure at December 31, 2021
Lessors of nonresidential buildings$4,499,466 $2,062,884 $6,562,350 $5,368,638 
Lessors of residential buildings1,621,735 1,572,489 3,194,224 2,566,352 
New housing for-sale builders677,418 1,109,695 1,787,113 1,534,789