Pinnacle Finl Partners Reports Q2 2026 Results: Full Earnings Call Transcript

Pinnacle Finl Partners (NASDAQ: PNFP ) released second-quarter financial results and hosted an earnings call on Thursday.

Read the complete transcript below.

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Access the full call at Summary Pinnacle Finl Partners reported Q2 2026 diluted EPS of $2.07 and adjusted EPS of $2.50, with a year-to-date adjusted EPS increase of 26%.

Loans grew by $2.9 billion, and deposits increased by $795 million, contributing to a 4% rise in earning assets and a 2% growth in net interest income.

Fee income showed double-digit year-to-date growth, particularly in core banking, wealth management, and capital markets.

The company maintained disciplined expense management while investing in growth areas, achieving a 49.8% adjusted tangible efficiency ratio.

Credit performance remained strong, with low charge-offs and non-performing assets declining to 0.50%.

Capital ratios improved, with a CET1 increase of 12 basis points, and the company issued $750 million in senior debt to strengthen liquidity.

Pinnacle added 74 experienced revenue producers in Q2, with a retention rate of 94% excluding merger synergies.

The company reaffirmed its 2026 guidance, expecting loan growth at the high end of 9% to 11% and deposit growth in the 8% to 10% range.

Management highlighted the competitive advantages of their Southeast market footprint and strong client loyalty.

Strategic focus remains on leveraging growth, recruiting top talent, and realizing synergies from recent mergers.

Full Transcript OPERATOR Good morning and welcome to the Pinnacle Finl Partners second quarter 2026 earnings call.

All participants will be in a listen-only mode.

Should you need assistance, please signal a conference specialist by pressing 0.

After today's presentation there will be an opportunity to ask questions.

To ask a question, you may press star then 1 on your touchtone phone.

To withdraw your question, please press star then 2.

Please note this event is being recorded.

I'll now turn the call over to Sam Tiagi, Senior Director, Investor Relations.

Please go ahead.

Sam Tiagi, Senior Director, Investor Relations Thank you and good morning.

During today's quarterly earnings call, we will reference the slides and press release that are available within the Investor Relations section of our website.

PNFP.com President and CEO Kevin Blair will begin the call.

He will be followed by our Chief Financial Officer Jamie Gregory, and they will be available to answer your questions at the end of the call.

Our comments include forward-looking statements.

These statements are subject to risks and uncertainties and the actual results could vary materially.

We will list these factors that might cause results to differ materially in our press release and in our SEC filings which are available on our website.

We do not assume any obligation to update any forward-looking statements because of new information, early developments or otherwise, except as may be required by law.

During the call we will reference non-GAAP financial measures related to the company's performance.

You may see the reconciliation of these measures in the appendix to our presentation.

And now Kevin Blair will provide an overview of the quarter.

Kevin Blair, President and CEO Thank you, Sam, and good morning, everyone.

We have remained focused on the leverage points that help us deliver on our commitments and continue a long and proud heritage of growth and success.