Pinnacle Financial Partners Inc 2025年度报告

HERE'S TO THEFUTURE Pinnaclecelebrated25yearssince itsfoundinginNashville,Tennessee,whileat the same time preparing for a merger that would ensure its people-centricapproach continues intothe future.In aremarkable display of partnership,teamsfrom Pinnacle and Synovus cametogetherthroughout the second half of theyear to learn, plan, celebrate and build the fellowship that allowed the merger toclose injust160days.Congratulations,team. FromOurBoardChair It's been 26 years since a small group of us came together with a simple but deeply held conviction:that a financial services firm built on distinctive service and effective advice could create long-termvalue for shareholders, meaningful opportunityfor team members and enduring impact in thecommunities we serve. Inthose earlydays,wedid not havescaleorbrand recognition.What we had wasbelief.Webelievedthat if we could attract thebestpeople,alignthemaroundthe rightmeasures of success and empowergrowth,wewouldcompoundvalueovertime All theseyears later, the evidence speaksfor itself. Now, with the successful combination of Pinnacle and Synovus, we begin a new chapter. We are largerin scale, broader in reach and deeper in talent. Yet the principles that built this firm remain unchanged.We will continue to differentiate ourselves through service and advice.We will continue to align incentivesholdourselvesaccountabletothem. Myrole inthat has changed, butmy commitmenthas not. Asboardchair,Iam privileged to helpstewardthe legacy wehavebuilt and to ensure thatthe culture,alignment and discipline that defined our first quarter century continue to propel us forward. Kevin andisto support them,challenge them and safeguard what makes thisfirm distinctive. achance on anew ideaandforthe clientswhotrusted us withtheirbusinessesandtheirfutures.Whenllook ahead, Ifeel something equally strong: optimism. We have proven that this model works. We have demonstrated that you can grow rapidly whileextend that model across an even broader footprint in some of the most dynamic markets in the country.The best chapters of Pinnacle's story have always been written byour people.Iam confident that as we With gratitude and confidence in what lies ahead, TerryTurnerChair, Board of DirectorsPinnacleFinancialPartners PinnacleFinancialPartnersBoardofDirectors GregoryLBurnsDirector Kevin S. BlairPresident and CEO,Director M. Terry TurnerFounder Chairman TimE.BentsenLead Director Abney S. BoxleyDirector David B. IngramDirector Decosta E.JenkinsDirector Pedro CherryDirector Thomas C.Farnsworth,IIDirector Barry L. StoreyDirector G.Kennedy ThompsonDirector Robert A. McCabe, Jr.Founder,ChiefBankingOfficer and Director Teresa WhiteDirector Gregory MontanaDirector LearnmoreaboutourboardandexecutiveleadershipteamatPNFP.COM/BOARD. DEAR SHAREHOLDERS THISISANEXTRAORDINARYMOMENTFORBANKING.THEWORLDISMOVINGFASTERTHANEVER,DRIVENBYINNOVATIONANDRISINGEXPECTATIONS.TECHNOLOGYISTRANSFORMINGMONEYMOVEMENT,REINFORCINGTHEINTEGRITYOFTHEFINANCIALSYSTEMANDREDEFININGHOWWEWORKEVERYDAY.INTHISENVIRONMENT,SHIFTINGRATES,INFLATIONDYNAMICSANDGLOBALEVENTSDON'TJUSTCREATEUNCERTAINTY,THEYUNDERSCORETHE Inmoments like this, thetemptation isto playdefense,sayless and manageperceptions.Wearedoingtheopposite.Weare,andwillcontinuetobe,direct about what we see, believe and build. performance,including strong earnings growth,above-peerbalance sheetexpansion and industry-leading client engagement. PURPOSE Pinnacleis choosingtolead. We enable people to reach their full potential. Evennow,ourwinningformularemainsunchangedrooted in age-old disciplines executed relentlesslywell:buildthebestteam,deliverexceptionalclientexperiencesandearnloyaltythatdrivesdeeperclientrelationships and greatershareof wallet.The besttalent is drawn to organizations that execute andinvestforthe long term, creating an advantage thatacceleratesmarketsharegainsandclientexpansion. VISION To be the best financial services firm and the bestplace to work in the country. MISSION ·Providedistinctiveserviceand effectiveadvice· Enrich team members personally,professionally and financially.Make a significant positive impact onthecommunity.. Create outstanding long-term valuefor shareholders. While this formula sounds simple, it is difficult todeliver consistently.Pinnacle has a long track recordof doing so. VALUES Actions count-not what's on paper.Pinnacleis a values-driven organization. From our hiringphilosophy to our client service, our goal is todemonstrate ourvalues in every interaction. Theresult is consistent clientgrowthandaproventrackrecordofattractingtopbankers.In2025,Pinnacleonceagaindeliveredoutstandingfinancial We celebrated 25 years of building a growth modelanchoredinlocalleadershipandclientloyalty.Thethe merger with Synovus Financial Corp.,unitingtwo high-performing Southeastern regional banksunderthePinnaclename,operatingmodelandbrandThismergerbrings scale withpurpose,positioningus to compete more aggressively in some of the