---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-036507"
form_type: "8-K"
ticker: "PNFP"
cik: "0002082866"
company_name: "Pinnacle Financial Partners, Inc."
filed_at: "2026-05-19T20:37:22+00:00"
generated_at: "2026-05-19T20:41:35.076691+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Pinnacle Financial completes $750M senior notes offering at 5.596% fixed rate step to SOFR+1.70% in 2031

## Summary
- $750M aggregate principal of 5.596% Fixed/Floating Senior Notes due 2032 issued on May 19, 2026.
- First 5 years fixed at 5.596% paid semi-annually; then SOFR+1.70% floating paid quarterly for remaining year.
- Notes are senior unsecured obligations under existing base and supplemental indentures.
- Offering registered under shelf registration statement S-3; legal opinions filed as exhibits.

## SEC filing metadata
- accession: 0001628280-26-036507
- form_type: 8-K
- ticker: PNFP
- cik: 0002082866
- company_name: Pinnacle Financial Partners, Inc.
- filed_at: 2026-05-19T20:37:22+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2082866/000162828026036507/0001628280-26-036507-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2082866/000162828026036507/pnfp-20260519.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-036507
- JSON: https://secwatch.observer/filing/0001628280-26-036507.json
- Plain text: https://secwatch.observer/filing/0001628280-26-036507.txt

## Key facts
- Debt Financings
  Pinnacle Financial Partners, Inc. incurred senior notes of $750 million aggregate principal amount with The Bank of New York Mellon Trust Company, N.A. at 5.596% Fixed Rate / Floating Rate maturing due 2032.
  - Instrument: senior notes
  - Principal: $750 million aggregate principal amount
  - Counterparty: The Bank of New York Mellon Trust Company, N.A.
  - Rate: 5.596% Fixed Rate / Floating Rate
  - Maturity: due 2032
  - Event: incurrence
  source text: On May 19, 2026, Pinnacle Financial Partners, Inc. (the “Company”) completed its previously-announced public offering of $750 million aggregate principal amount of its 5.596% Fixed Rate / Floating Rate Senior Notes due 2032 (the “Notes”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/2082866/000162828026036507/0001628280-26-036507-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.