{"schema_version":"secwatch.filing_event.v1","accession":"0002082866-26-000039","form_type":"8-K","ticker":"PNFP","cik":"0002082866","company_name":"Pinnacle Financial Partners, Inc.","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.483454+00:00","generated_at":"2026-05-15T04:57:13.904524+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Pinnacle Q1 2026 adjusted EPS $2.39; NIM expands to 3.53%; loan growth 10% annualized","bullets":["Reported diluted EPS $0.89; adjusted diluted EPS $2.39, driven by $275M merger-related charges in the quarter.","Net interest income $933M; net interest margin 3.53%, up 26 bps linked-quarter primarily from loan and securities marks.","Period-end loans $85.2B (+10% annualized); core deposits $91.6B (+8% annualized) on combined basis.","NCO ratio 0.23%, NPA ratio 0.58%; allowance for credit losses 1.19% of total loans.","Adjusted tangible efficiency ratio improved to 51% from 52% legacy Pinnacle in 4Q25; headcount down 2% QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0002082866-26-000039","json":"https://secwatch.observer/filing/0002082866-26-000039.json","markdown":"https://secwatch.observer/filing/0002082866-26-000039.md","text":"https://secwatch.observer/filing/0002082866-26-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2082866/000208286626000039/0002082866-26-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2082866/000208286626000039/pnfp-20260422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:57:13.904524+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"b4d8d609d92f7dd68bcda6a9973151f97f6e016c","claim":"Pinnacle Financial Partners, Inc. reported financial results for the three month period ended March 31, 2026.","evidence_excerpt":"On April 22, 2026, Pinnacle Financial Partners, Inc. (the \"Company\") issued a press release announcing the Company’s financial results for the three month period ended March 31, 2026.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/2082866/000208286626000039/0002082866-26-000039-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three month period ended March 31, 2026"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}