Regulatory Matters (Tables)

3 Months Ended

Jun. 30, 2022

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

Summary of Regulatory Capital Requirement

Management believes, as of June 30, 2022, 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
	Amount		Ratio		Amount		Ratio		Amount		Ratio
At June 30, 2022
Total capital to risk weighted assets:
Pinnacle Financial	$	4,289,120	12.9	%	$	2,669,286	8.0	%	$	3,336,607	10.0	%
Pinnacle Bank	$	3,877,155	11.7	%	$	2,651,969	8.0	%	$	3,314,961	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	3,622,608	10.9	%	$	2,001,964	6.0	%	$	2,669,286	8.0	%
Pinnacle Bank	$	3,639,643	11.0	%	$	1,988,976	6.0	%	$	2,651,969	8.0	%
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	3,405,359	10.2	%	$	1,501,473	4.5	%	NA		NA
Pinnacle Bank	$	3,639,521	11.0	%	$	1,491,732	4.5	%	$	2,154,724	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	3,622,608	9.8	%	$	1,485,542	4.0	%	NA		NA
Pinnacle Bank	$	3,639,643	9.9	%	$	1,477,760	4.0	%	$	1,847,200	5.0	%
At December 31, 2021
Total capital to risk weighted assets:
Pinnacle Financial	$	4,060,598	13.8	%	$	2,347,963	8.0	%	$	2,934,953	10.0	%
Pinnacle Bank	$	3,670,111	12.6	%	$	2,334,243	8.0	%	$	2,917,804	10.0	%
Tier 1 capital to risk weighted assets:
Pinnacle Financial	$	3,425,751	11.7	%	$	1,760,972	6.0	%	$	2,347,963	8.0	%
Pinnacle Bank	$	3,464,265	11.9	%	$	1,750,683	6.0	%	$	2,334,243	8.0	%
Common equity Tier 1 capital to risk weighted assets
Pinnacle Financial	$	3,208,503	10.9	%	$	1,320,729	4.5	%	NA		NA
Pinnacle Bank	$	3,464,142	11.9	%	$	1,313,012	4.5	%	$	1,896,573	6.5	%
Tier 1 capital to average assets (*):
Pinnacle Financial	$	3,425,751	9.7	%	$	1,412,747	4.0	%	NA		NA
Pinnacle Bank	$	3,464,265	9.9	%	$	1,406,063	4.0	%	$	1,757,578	5.0	%

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