PINNACLE FINANCIAL PARTNERS $PNFP Q3’26 EARNINGS HIGHLIGHTS 🔹 Adj. Revenue: $1.32B (Est. $1.28B) 🟢 🔹 GAAP Revenue: $1.31B 🔹 Adj. EPS: $2.69 (Est. $2.63) 🟢; +19% YoY 🔹 GAAP EPS: $2.40; +10% YoY 🔹 Net Interest Income: $986M; +148% YoY Other Q3 Metrics: 🔹 Net Income: $379M; +119% YoY 🔹 Net Interest Margin: 3.40% 🔹 Non-Interest Revenue: $326M; +122% YoY 🔹 Adj. Non-Interest Revenue: $323M 🔹 Non-Interest Expense: $749M; +147% YoY 🔹 Adj. Non-Interest Expense: $690M 🔹 Efficiency Ratio-TE: 56.6% 🔹 Adj. Tangible Efficiency Ratio: 48.9% 🔹 Provision for Credit Losses: $86M 🔹 Net Charge-Offs: $50M 🔹 Net Charge-Off Ratio: 0.23% 🔹 NPA Ratio: 0.50% 🔹 Period-End Loans: $89.8B 🔹 Period-End Deposits: $103.0B; +125% YoY 🔹 CET1 Ratio: 10.01% 🔹 Book Value/Share: $91.52 🔹 Tangible Book Value/Share: $61.86 Financials: 🔹 Total Assets: $130.69B 🔹 Net Income Available to Common: $364M 🔹 Adjusted Net Income to Common: $409M Capital Return: 🔹 Dividend: $0.50/share Key Updates: 🔹 Adj. Net Income to Common: $409M vs $364M GAAP 🔹 Merger-Related Expense: $56M 🔹 YoY significantly impacted by the merger 🔹 Added 96 Experienced Revenue Producers Comments: 🔸 “The merger changed our size, not how we perform.”