Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OF 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 000-31225 Pinnacle Financial Partners Inc. , Inc. (Exact name of registrant as specified in its char ...

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) Q2 2023 Earnings Conference Call July 19, 2023 9:30 AM ET Company Participants Terry Turner – Chief Executive Officer Harold Carpenter – Chief Financial Officer Conference Call Participants Jared Shaw - Wells Fargo Stephen Scouten - Piper Sandler Steven Alexopoulos - JPMorgan Brandon King - Truist Securities Catherine Mealor - KBW Matt Olney - Stephens Rudy Preston - UBS Brian Martin - Jonnie Montgomery Operator Good morning, everyone, and welcome to the Pinna ...

| --- | --- | --- | |-----------------------------------------------------------------------------|-------|-------| | | | | | | | | | Investor Call | | | | | | | | SECOND QUARTER 2023 | | | | JULY 19, 2023 Time: 8:30 AM CT Webcast: www.pnfp.com (investor relations) | | | | M. TERRY TURNER, PRESIDENT AND CEO HAROLD R. CARPENTER, EVP AND CFO | | | | | | | All statements, other than statements of historical fact, included in this presentation, are forward-looking statements within the meaning of the Private Se ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OF 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 000-31225 Pinnacle Financial Partners Inc. , Inc. (Exact name of registrant as specified in its cha ...

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) Q1 2023 Earnings Conference Call April 18, 2023 9:30 AM ET Company Participants Terry Turner – Chief Executive Officer Harold Carpenter – Chief Financial Officer Conference Call Participants Steven Alexopoulos – JPMorgan Jared Shaw – Wells Fargo Securities Catherine Mealor – KBW Casey Haire – Jefferies Brandon King – Truist Securities Michael Rose – Raymond James Stephen Scouten – Piper Sandler Brett Rabatin – Hovde Group Brody Preston – UBS Brian Martin – Jan ...

Estimated loan subs and prepayments (Note) • Estimate for loan substitutions and prepayments increased to ~5.81% of total loans (loans sold to other banks) driven primarily by a weaker macroeconomic outlook and conservative loss provisioning. • Collectively, a record $528M in on-balance sheet allowance and reserves for estimated substitutions and prepays. Actual loan substitutions and prepay reserves as % of Outstanding Balances 3.79% 2.94% 2.95% 1.83% 2.68% 3.25%2.72% 2.47% 2.87% 2.51% 2.12% 2.52% 0.25% 0. ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-31225 Pinnacle Financial Partners Inc. , Inc. (Exact name of registrant as specified in charter) Tennessee 62-1812853 (State ...

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) Q4 2022 Earnings Conference Call January 18, 2023 9:30 AM ET Company Participants Terry Turner - Chief Executive Officer Harold Carpenter - Chief Financial Officer Conference Call Participants Jared Shaw - Wells Fargo Securities Stephen Scouten - Piper Sandler Steven Alexopoulos - JPMorgan Michael Rose - Raymond James Casey Haire - Jefferies Matt Olney - Stephens Inc. Catherine Mealor - KBW Jennifer Demba - Truist Securities Brian Martin - Janney Montgomery Op ...

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) Q3 2022 Earnings Conference Call October 19, 2022 9:30 AM ET Company Participants Terry Turner - President and CEO Harold Carpenter - CFO Conference Call Participants Steven Alexopoulos - JPMorgan Stephen Scouten - Sandler O'Neill Michael Rose - Raymond James Jared Shaw - Wells Fargo Securities Catherine Miller - KBW Brian Martin - Janney Montgomery Scott Jennifer Demba - Truist Securities Operator Good morning, everyone, and welcome to the Pinnacle Financial ...

| --- | --- | --- | --- | |---------------------------------------------------------------------|-------|-------|-------| | | | | | | | | | | | Investor Call | | | | | | | | | | THIRD QUARTER 2022 October 19, 2022 | | | | | Time: 8:30 AM CT Webcast: www.pnfp.com (investor relations) | | | | | M. TERRY TURNER, PRESIDENT AND CEO HAROLD R. CARPENTER, EVP AND CFO | | | | | | | | | Safe Harbor Statements Forward Looking Statements All statements, other than statements of historical fact, included in this present ...