Pinnacle Financial Partners (PNFP) AGM 2026 summary

Opening remarks and agenda

• Celebrated the 25th anniversary and highlighted the recent merger with Synovus as a transformative event for the organization.

Financial performance review

• Achieved 10% loan growth and 11% deposit growth in 2025, with an efficiency ratio of 55% and adjusted efficiency ratio of 54%.

• Wealth management fees grew by 18% and service charges by 20% in 2025.

• 2025 allowance for credit losses was 1.17% and net charge-offs were 0.21%.

• First quarter 2026 saw annualized loan growth of 10% and core deposit growth of 8%.

• 1Q26 adjusted diluted EPS was $2.39, with a CET1 ratio of 9.81%.

Board and executive committee updates

• 15 director nominees were proposed for election.