XML 51 R39.htm IDEA: XBRL DOCUMENT v3.24.1.1.u2
Loans and Allowance for Credit Losses - Loan Classification by Risk Rating Category (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 $ 2,074,783   $ 7,801,081
2023 6,426,531   8,956,751
2022 9,041,311   5,834,396
2021 5,710,762   2,057,226
2020 1,962,509   1,215,843
Prior 2,228,160   1,222,983
Revolving Loans 5,718,817   5,587,811
Total 33,162,873   32,676,091
Charged-off loans (20,832) $ (14,022)  
2023      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (3,763)    
2022      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (4,989)    
2021      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (4,838)    
2020      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (1,292)    
Prior      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (315)    
Revolving Loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (5,635)    
2024      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Pass      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 2,009,349   7,731,335
2023 6,331,335   8,844,015
2022 8,916,086   5,742,666
2021 5,616,935   2,038,952
2020 1,911,754   1,202,431
Prior 2,181,116   1,196,095
Revolving Loans 5,612,343   5,479,475
Total 32,578,918   32,234,969
Special Mention      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 28,515   15,448
2023 62,351   90,359
2022 100,558   17,757
2021 20,102   13,996
2020 47,427   5,666
Prior 21,937   11,883
Revolving Loans 67,801   45,025
Total 348,691   200,134
Substandard      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 23,258 [1]   41,393
2023 17,601 [1]   14,543
2022 13,338 [1]   28,573
2021 27,987 [1]   1,290
2020 100 [1]   2,122
Prior 10,997 [1]   9,793
Revolving Loans 33,658 [1]   60,986
Total 126,939 [1]   158,700
Substandard-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 13,661   12,905
2023 15,244   7,834
2022 11,329   45,400
2021 45,738   2,987
2020 3,228   5,624
Prior 14,110   5,212
Revolving Loans 5,015   2,325
Total 108,325   82,287
Doubtful-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   1
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   1
Commercial real estate - owner occupied      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 136,317   794,738
2023 785,086   1,170,695
2022 1,133,185   880,637
2021 849,504   505,710
2020 494,675   273,469
Prior 585,061   362,967
Revolving Loans 61,145   56,680
Total 4,044,973   4,044,896
Charged-off loans (94) 0  
Commercial real estate - owner occupied | 2023      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - owner occupied | 2022      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - owner occupied | 2021      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - owner occupied | 2020      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - owner occupied | Prior      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (94)    
Commercial real estate - owner occupied | Revolving Loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - owner occupied | 2024      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - owner occupied | Pass      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 125,532   785,834
2023 777,221   1,123,425
2022 1,095,086   871,389
2021 836,473   502,260
2020 475,646   267,595
Prior 570,092   357,339
Revolving Loans 61,145   56,680
Total 3,941,195   3,964,522
Commercial real estate - owner occupied | Special Mention      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 10,785   1,595
2023 1,534   37,324
2022 28,271   5,300
2021 7,954   2,252
2020 17,863   5,306
Prior 13,292   4,701
Revolving Loans 0   0
Total 79,699   56,478
Commercial real estate - owner occupied | Substandard      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0 [1]   5,528
2023 0 [1]   9,331
2022 9,275 [1]   3,262
2021 3,244 [1]   1,145
2020 83 [1]   568
Prior 770 [1]   610
Revolving Loans 0 [1]   0
Total 13,372 [1]   20,444
Commercial real estate - owner occupied | Substandard-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   1,781
2023 6,331   615
2022 553   686
2021 1,833   53
2020 1,083   0
Prior 907   317
Revolving Loans 0   0
Total 10,707   3,452
Commercial real estate - owner occupied | Doubtful-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   0
Commercial real estate - non-owner occupied      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 416,647   1,329,832
2023 1,265,411   2,715,626
2022 2,800,587   1,777,455
2021 2,023,505   720,724
2020 677,634   507,178
Prior 766,542   376,317
Revolving Loans 113,316   108,362
Total 8,063,642   7,535,494
Charged-off loans (2,000) 0  
Commercial real estate - non-owner occupied | 2023      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - non-owner occupied | 2022      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - non-owner occupied | 2021      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (2,000)    
Commercial real estate - non-owner occupied | 2020      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - non-owner occupied | Prior      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - non-owner occupied | Revolving Loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - non-owner occupied | 2024      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial real estate - non-owner occupied | Pass      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 392,120   1,304,109
2023 1,251,928   2,682,275
2022 2,767,542   1,737,275
2021 1,985,325   713,979
2020 653,531   505,767
Prior 758,134   370,420
Revolving Loans 112,795   107,841
Total 7,921,375   7,421,666
Commercial real estate - non-owner occupied | Special Mention      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 11,229   0
2023 0   30,229
2022 29,956   0
2021 0   6,745
2020 24,103   216
Prior 6,689   5,335
Revolving Loans 0   0
Total 71,977   42,525
Commercial real estate - non-owner occupied | Substandard      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0 [1]   25,723
2023 13,483 [1]   2,969
2022 2,962 [1]   0
2021 0 [1]   0
2020 0 [1]   1,195
Prior 1,246 [1]   73
Revolving Loans 0 [1]   0
Total 17,691 [1]   29,960
Commercial real estate - non-owner occupied | Substandard-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 13,298   0
2023 0   153
2022 127   40,180
2021 38,180   0
2020 0   0
Prior 473   489
Revolving Loans 521   521
Total 52,599   41,343
Commercial real estate - non-owner occupied | Doubtful-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   0
Consumer real estate – mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 61,138   573,808
2023 556,673   978,271
2022 960,846   1,059,671
2021 1,040,618   450,945
2020 436,451   213,055
Prior 513,570   322,176
Revolving Loans 1,259,120   1,253,605
Total 4,828,416   4,851,531
Charged-off loans (623) (130)  
Consumer real estate – mortgage | 2023      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Consumer real estate – mortgage | 2022      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (308)    
Consumer real estate – mortgage | 2021      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (120)    
Consumer real estate – mortgage | 2020      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (134)    
Consumer real estate – mortgage | Prior      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (61)    
Consumer real estate – mortgage | Revolving Loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Consumer real estate – mortgage | 2024      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Consumer real estate – mortgage | Pass      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 61,138   573,120
2023 554,848   976,006
2022 957,384   1,056,720
2021 1,036,933   448,420
2020 434,418   207,790
Prior 502,025   318,505
Revolving Loans 1,258,040   1,253,091
Total 4,804,786   4,833,652
Consumer real estate – mortgage | Special Mention      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   0
Consumer real estate – mortgage | Substandard      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0 [1]   0
2023 0 [1]   0
2022 0 [1]   0
2021 0 [1]   0
2020 0 [1]   0
Prior 0 [1]   0
Revolving Loans 0 [1]   0
Total 0 [1]   0
Consumer real estate – mortgage | Substandard-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   688
2023 1,825   2,265
2022 3,462   2,951
2021 3,685   2,525
2020 2,033   5,265
Prior 11,545   3,671
Revolving Loans 1,080   514
Total 23,630   17,879
Consumer real estate – mortgage | Doubtful-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   0
Construction and land development      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 233,751   1,155,865
2023 987,746   1,930,670
2022 1,905,633   884,060
2021 620,421   16,569
2020 16,106   5,580
Prior 10,186   6,451
Revolving Loans 44,491   41,886
Total 3,818,334   4,041,081
Charged-off loans 0 0  
Construction and land development | 2023      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Construction and land development | 2022      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Construction and land development | 2021      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Construction and land development | 2020      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Construction and land development | Prior      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Construction and land development | Revolving Loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Construction and land development | 2024      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Construction and land development | Pass      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 233,531   1,153,137
2023 985,950   1,930,062
2022 1,904,713   884,060
2021 620,421   12,102
2020 11,167   5,580
Prior 10,104   6,369
Revolving Loans 44,491   41,886
Total 3,810,377   4,033,196
Construction and land development | Special Mention      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 220   2,728
2023 1,796   0
2022 326   0
2021 0   4,467
2020 4,914   0
Prior 0   0
Revolving Loans 0   0
Total 7,256   7,195
Construction and land development | Substandard      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0 [1]   0
2023 0 [1]   0
2022 0 [1]   0
2021 0 [1]   0
2020 0 [1]   0
Prior 0 [1]   82
Revolving Loans 0 [1]   0
Total 0 [1]   82
Construction and land development | Substandard-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   608
2022 594   0
2021 0   0
2020 25   0
Prior 82   0
Revolving Loans 0   0
Total 701   608
Construction and land development | Doubtful-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   0
Commercial and industrial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 1,126,400   3,810,029
2023 2,797,264   2,132,715
2022 2,215,635   1,166,447
2021 1,115,687   326,263
2020 303,750   216,020
Prior 351,817   154,416
Revolving Loans 3,982,645   3,860,801
Total 11,893,198   11,666,691
Charged-off loans (14,808) (10,649)  
Commercial and industrial | 2023      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (3,605)    
Commercial and industrial | 2022      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (4,613)    
Commercial and industrial | 2021      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (1,723)    
Commercial and industrial | 2020      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (577)    
Commercial and industrial | Prior      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (135)    
Commercial and industrial | Revolving Loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (4,155)    
Commercial and industrial | 2024      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Commercial and industrial | Pass      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 1,096,498   3,778,326
2023 2,727,037   2,103,473
2022 2,165,936   1,127,096
2021 1,076,829   325,176
2020 303,099   215,158
Prior 339,780   142,806
Revolving Loans 3,877,845   3,753,575
Total 11,587,024   11,445,610
Commercial and industrial | Special Mention      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 6,281   11,125
2023 59,021   22,806
2022 42,005   12,457
2021 12,148   532
2020 547   144
Prior 1,956   1,847
Revolving Loans 67,801   45,025
Total 189,759   93,936
Commercial and industrial | Substandard      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 23,258 [1]   10,142
2023 4,118 [1]   2,243
2022 1,101 [1]   25,311
2021 24,743 [1]   145
2020 17 [1]   359
Prior 8,981 [1]   9,028
Revolving Loans 33,658 [1]   60,986
Total 95,876 [1]   108,214
Commercial and industrial | Substandard-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 363   10,436
2023 7,088   4,193
2022 6,593   1,583
2021 1,967   409
2020 87   359
Prior 1,100   735
Revolving Loans 3,341   1,215
Total 20,539   18,930
Commercial and industrial | Doubtful-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   1
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   1
Consumer and other      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 100,530   136,809
2023 34,351   28,774
2022 25,425   66,126
2021 61,027   37,015
2020 33,893   541
Prior 984   656
Revolving Loans 258,100   266,477
Total 514,310   536,398
Charged-off loans (3,307) $ (3,243)  
Consumer and other | 2023      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (158)    
Consumer and other | 2022      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (68)    
Consumer and other | 2021      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (995)    
Consumer and other | 2020      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (581)    
Consumer and other | Prior      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (25)    
Consumer and other | Revolving Loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans (1,480)    
Consumer and other | 2024      
Financing Receivable, Credit Quality Indicator [Line Items]      
Charged-off loans 0    
Consumer and other | Pass      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 100,530   136,809
2023 34,351   28,774
2022 25,425   66,126
2021 60,954   37,015
2020 33,893   541
Prior 981   656
Revolving Loans 258,027   266,402
Total 514,161   536,323
Consumer and other | Special Mention      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total 0   0
Consumer and other | Substandard      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0 [1]   0
2023 0 [1]   0
2022 0 [1]   0
2021 0 [1]   0
2020 0 [1]   0
Prior 0 [1]   0
Revolving Loans 0 [1]   0
Total 0 [1]   0
Consumer and other | Substandard-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 73   0
2020 0   0
Prior 3   0
Revolving Loans 73   75
Total 149   75
Consumer and other | Doubtful-nonaccrual      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving Loans 0   0
Total $ 0   $ 0
[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 loan modifications made to borrowers experiencing financial difficulty. Potential problem loans, which are not included in nonaccrual loans, amounted to approximately $94.2 million at March 31, 2024, compared to $127.4 million at December 31, 2023.