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Pinnacle Bank

Nashville, TN · Cert 35583 · Pinnacle Finl Partners Inc.

State charter, Fed member · FED · 389 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

20

Q2 2024Q2 2026Peer median (50)

Asset Quality

60

Q2 2024Q2 2026Peer median (50)

Profitability

22

Q2 2024Q2 2026Peer median (50)

Liquidity

87

Q2 2024Q2 2026Peer median (100)

Efficiency

22

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Pinnacle Bank

Nashville, TN · Cert 35583 · Pinnacle Finl Partners Inc.

State charter, Fed member · FED · 389 branches

Q2 2026

$128.8BAssets
$88.7BLoans
$102.2BDeposits
$14.8BEquity
Loan mix
66%RE $49.3B31%C&I $23.1B3%Consumer $2.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $81.5B20%Noninterest $20.8BQ2 2025Q2 2026

NIM

5.39%Q2 ’245.04%Q2 ’254.96%Q2 ’26+4%+7%

Non-interest income vs. expense

2.00%Q2 ’241.98%Q2 ’252.45%Q2 ’26+0%+46%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 21.1% share · #1 of 62 inst. · $22.7B of $107.8B

25.1% Davidson
35.6% Cobb
62.7% Muscogee
8.0% Jefferson

Executive Summary

  • Earnings: ROA of 1.08%, down 10 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.48% of loans (+4 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 8.97%, down 77 bps from a year ago.
  • Funding: loans stand at 86.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+19 bps YoY

Efficiency Ratio (YTD, annualized)

59.16%+502 bps YoY

Tier 1 Leverage Ratio

8.97%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.23%1.25%1.02%1.08%-10 bps
Return on Equity9.63%10.00%10.21%8.63%9.24%-40 bps
Net Interest Margin2.89%2.88%2.86%3.12%3.09%+19 bps
Efficiency Ratio54.14%53.74%53.06%65.40%59.16%+502 bps
Non-Interest Burden1.14%1.09%1.06%1.92%1.65%+52 bps
Growth
Asset Growth (YoY)11.10%10.49%9.81%126.36%135.49%+12,440 bps
Loan Growth (YoY)9.84%10.47%10.01%135.44%137.76%+12,791 bps
Deposit Growth (YoY)13.22%11.74%11.11%125.91%125.94%+11,272 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.40%0.35%0.55%0.48%+4 bps
Net Charge-Offs / Loans0.18%0.17%0.19%0.23%0.22%+4 bps
Allowance / Loans1.13%1.14%1.12%n/an/an/a
Allowance Coverage of NPLs2.6x2.9x3.2xn/an/an/a
Capital
Tier 1 Leverage Ratio9.73%9.77%9.39%8.87%8.97%-77 bps
Total Risk-Based Capital12.45%12.49%12.09%11.83%11.83%-62 bps
Equity / Assets12.30%12.42%12.02%n/an/an/a
Liquidity & Funding
Loans / Deposits82.46%82.87%81.99%84.55%86.77%+431 bps
Liquid Assets / Assets9.71%10.05%10.06%0.00%0.00%-971 bps
CRE / Total Capitaln/a312%321%n/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Pinnacle Bank

Nashville, TN · Cert 35583 · Peer group: banks over $10B in assets (n=142-144) · Pinnacle Finl Partners Inc.

State charter, Fed member · FED · 389 branches

Q2 2026

$128.8BAssets
$88.7BLoans
$102.2BDeposits
$14.8BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of banks over $10B in assets (rank 37 of 142).
  • Widest gap: total risk-based capital ratio trails 97% of banks over $10B in assets (rank 140 of 144).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.87%

Rank 127 of 144

Net Interest Margin

3.09%

Rank 89 of 144

Efficiency Ratio

63.07%

Rank 113 of 144

Equity / Assets

11.50%

Rank 68 of 144

Non-interest income vs. expense

$1.0B$3.0BINCOMEEXPENSE
Unfavorable gap of $2.1B · efficiency ratio beats 22% of banks over $10B in assets
Bank 63.07%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%1.00%1.26%1.54%Beats 12%127 / 144
Return on Equity7.53%8.98%11.34%14.40%Beats 15%123 / 144
Net Interest Margin3.09%2.82%3.31%3.68%Beats 38%89 / 144
Efficiency Ratio63.07%49.42%56.02%62.41%Beats 22%113 / 144
Asset Quality
Nonperforming Loans / Loans0.48%0.48%0.73%1.07%Beats 75%37 / 142
Net Charge-Offs / Loans0.13%0.05%0.11%0.22%Beats 45%79 / 142
Capital
Tier 1 Capital Ratio10.73%12.07%12.98%14.92%Beats 3%140 / 144
Total Risk-Based Capital Ratio11.83%13.39%14.14%16.25%Beats 3%140 / 144
Equity / Assets11.50%9.69%11.39%12.96%Beats 53%68 / 144
Liquidity & Funding
Loans / Deposits86.77%75.72%84.92%91.56%53rd pctl67 / 143
Loans / Assets68.89%59.83%69.07%74.80%47th pctl77 / 144
Brokered Deposits / Depositsn/aNot reported for this institution