secwatch.observer — SEC 8-K summary
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Issuer:     Pinnacle Financial Partners, Inc. (PNFP)
CIK:        0002082866
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0002082866-26-000039
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Pinnacle Q1 2026 adjusted EPS $2.39; NIM expands to 3.53%; loan growth 10% annualized
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2082866/000208286626000039/0002082866-26-000039-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2082866/000208286626000039/pnfp-20260422.htm
  HTML page:      https://secwatch.observer/filing/0002082866-26-000039

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer