Pinnacle Financial Partners (PNFP) 10-K 26 Feb 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Feb. 22, 2021	Jun. 30, 2020
Cover [Abstract]
Document Type	10-K
Document Period End Date	Dec. 31, 2020
Entity File Number	000-31225
Entity Registrant Name	Pinnacle Financial Partners Inc.
Entity Tax Identification Number	62-1812853
Entity Central Index Key	0001115055
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Public Float			$ 3,092,217,712
Entity Common Stock, Shares Outstanding		75,991,557
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Incorporation, State or Country Code	TN
Entity Address, Address Line One	150 Third Avenue South, Suite 900,
Entity Address, City or Town	Nashville,
Entity Address, State or Province	TN
Entity Address, Postal Zip Code	37201
City Area Code	(615)
Local Phone Number	744-3700
Entity Interactive Data Current	Yes
Document Annual Report	true
Document Transition Report	false
Common Class A
Cover [Abstract]
Title of 12(b) Security	Common Stock, par value $1.00
Trading Symbol	PNFP
Security Exchange Name	NASDAQ
Document Information [Line Items]
Title of 12(b) Security	Common Stock, par value $1.00
Trading Symbol	PNFP
Security Exchange Name	NASDAQ
Noncumulative Preferred Stock
Cover [Abstract]
Title of 12(b) Security	Depositary Shares (each representing 1/40th interest in a share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B)
Trading Symbol	PNFPP
Security Exchange Name	NASDAQ
Document Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing 1/40th interest in a share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B)
Trading Symbol	PNFPP
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest-bearing due from banks	$ 203,296	$ 157,901
Restricted cash	223,788	137,045
Interest-bearing due from banks	3,522,224	210,784
Federal funds sold and other	12,141	20,977
Cash and cash equivalents	3,961,449	526,707
Securities available-for-sale, at fair value	3,586,681	3,539,995
Securities held-to-maturity (fair value of $1.1 billion, net of allowance for credit losses of $191,000 at Dec. 31, 2020, and $201.2 million at Dec. 31, 2019, respectively)	1,028,359	188,996
Consumer loans held-for-sale	87,821	81,820
Commercial loans held-for-sale	31,200	17,585
Loans	22,424,501	19,787,876
Less allowance for credit losses	(285,050)	(94,777)
Loans, net	22,139,451	19,693,099
Premises and equipment, net	290,001	273,932
Equity method investment	308,556	278,037
Accrued interest receivable	104,078	84,462
Goodwill	1,819,811	1,819,811
Core deposits and other intangible assets	42,336	51,130
Other real estate owned	12,360	29,487
Other assets	1,520,757	1,220,435
Total assets	34,932,860	27,805,496
Deposits:
Non-interest-bearing	7,392,325	4,795,476
Interest-bearing	5,689,095	3,630,168
Savings and money market accounts	11,099,523	7,813,939
Time	3,524,632	3,941,445
Total deposits	27,705,575	20,181,028
Securities sold under agreements to repurchase	128,164	126,354
Federal Home Loan Bank advances	1,087,927	2,062,534
Subordinated debt and other borrowings	670,575	749,080
Accrued interest payable	24,934	42,183
Other liabilities	411,074	288,569
Total liabilities	30,028,249	23,449,748
Stockholders' equity:
Preferred stock, no par value; 10.0 million shares authorized; 225,000 shares non-cumulative perpetual preferred stock, Series B, liquidation preference $225.0 million, issued and outstanding at Dec. 31, 2020 and no shares issued and outstanding at Dec. 31, 2019	217,126	0
Common stock, par value $1.00; 180.0 million shares authorized; 75.9 million and 76.6 million shares issued and outstanding at Dec. 31, 2020 and 2019, respectively	75,850	76,564
Additional paid-in capital	3,028,063	3,064,467
Retained earnings	1,407,723	1,184,183
Accumulated other comprehensive income, net of taxes	175,849	30,534
Total stockholders' equity	4,904,611	4,355,748
Total liabilities and stockholders' equity	$ 34,932,860	$ 27,805,496

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Securities held-to-maturity, fair value	$ 1,066,531	$ 201,217
Stockholders' equity:
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	225,000	0
Preferred stock, shares outstanding (in shares)	225,000	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	180,000,000	180,000,000
Common stock, shares issued (in shares)	75,850,000	76,564,000
Common stock, shares outstanding (in shares)	75,850,000	76,564,000

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest income:
Loans, including fees	$ 919,744,000	$ 955,388,000	$ 850,472,000
Securities:
Taxable	35,663,000	46,649,000	48,192,000
Tax-exempt	58,867,000	51,138,000	35,995,000
Federal funds sold and other	6,768,000	14,761,000	12,058,000
Total interest income	1,021,042,000	1,067,936,000	946,717,000
Interest expense:
Deposits	135,547,000	231,641,000	151,043,000
Securities sold under agreements to repurchase	350,000	570,000	588,000
Federal Home Loan Bank advances and other borrowings	63,357,000	69,583,000	58,744,000
Total interest expense	199,254,000	301,794,000	210,375,000
Net interest income	821,788,000	766,142,000	736,342,000
Provision for credit losses	191,734,000	27,283,000	34,377,000
Net interest income after provision for credit losses	630,054,000	738,859,000	701,965,000
Noninterest income:
Total noninterest income	317,840,000	263,826,000	200,850,000
Noninterest expense:
Salaries and employee benefits	334,483,000	313,359,000	271,673,000
Equipment and occupancy	88,475,000	84,582,000	74,276,000
Other real estate expense, net	8,555,000	4,228,000	723,000
Marketing and other business development	10,693,000	13,251,000	11,712,000
Postage and supplies	7,819,000	8,144,000	7,815,000
Amortization of intangibles	9,793,000	9,908,000	10,549,000
Merger related expenses	0	0	8,259,000
Total other noninterest expense	116,718,000	71,676,000	67,860,000
Total noninterest expense	576,536,000	505,148,000	452,867,000
Income before income taxes	371,358,000	497,537,000	449,948,000
Income tax expense	59,037,000	96,656,000	90,508,000
Net income	312,321,000	400,881,000	359,440,000
Preferred stock dividends	7,596,000	0	0
Net income available to common shareholders	$ 304,725,000	$ 400,881,000	$ 359,440,000
Per share information:
Basic net income per common share	$ 4.04	$ 5.25	$ 4.66
Diluted net income per common share	$ 4.03	$ 5.22	$ 4.64
Weighted average common shares outstanding:
Basic	75,376,489	76,364,303	77,111,372
Diluted	75,654,385	76,763,903	77,449,917
Service charges on deposit accounts
Noninterest income:
Total noninterest income	$ 34,282,000	$ 36,769,000	$ 36,088,000
Investment services
Noninterest income:
Total noninterest income	29,537,000	24,187,000	21,985,000
Insurance sales commissions
Noninterest income:
Total noninterest income	10,055,000	9,344,000	9,331,000
Gain on mortgage loans sold, net
Noninterest income:
Total noninterest income	60,042,000	24,335,000	14,564,000
Investment gains (losses) on sales, net
Noninterest income:
Total noninterest income	986,000	(5,941,000)	(2,254,000)
Trust fees
Noninterest income:
Total noninterest income	16,496,000	14,184,000	13,143,000
Income from equity method investment
Noninterest income:
Total noninterest income	83,539,000	90,111,000	51,222,000
Other noninterest income
Noninterest income:
Total noninterest income	$ 82,903,000	$ 70,837,000	$ 56,771,000

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income:	$ 312,321,000	$ 400,881,000	$ 359,440,000
Other comprehensive income (loss), net of tax:
Changes in fair value on available-for-sale securities, net of tax	92,829,000	81,658,000	(51,464,000)
Changes in fair value of cash flow hedges, net of tax	52,798,000	(5,179,000)	2,660,000
Amortization of net unrealized gains on securities transferred from available-for-sale to held-to-maturity, net of tax	(5,126,000)	184,000	(73,000)
Gain (loss) on cash flow hedges reclassified from other comprehensive income into net income, net of tax	5,542,000	1,588,000	(657,000)
Net loss (gain) on sale of investment securities reclassified from other comprehensive income into net income, net of tax	(728,000)	(4,388,000)	(1,665,000)
Total other comprehensive income (loss), net of tax	145,315,000	82,639,000	(47,869,000)
Total comprehensive income	$ 457,636,000	$ 483,520,000	$ 311,571,000

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	AOCI Attributable to Parent	Preferred Stock [Member]	Accounting Standards Update 2016-13	Accounting Standards Update 2016-13Retained Earnings
Balance (in shares) at Dec. 31, 2017		77,740,000
Balance at Dec. 31, 2017	$ 3,707,952	$ 77,740	$ 3,115,304	$ 519,144	$ (4,236)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Exercise of employee common stock options, stock appreciation rights, and related tax benefits (in shares)	97,877	98,000
Exercise of employee common stock options, stock appreciation rights, and related tax benefits	$ 1,851	$ 98	1,753
Repurchase of common stock (in shares)		(405,000)
Repurchase of common stock	(20,694)	$ (405)	(20,289)
Payments of Ordinary Dividends	(45,454)			45,454
Issuance of restricted common shares, net of forfeitures (in shares)		157,000
Issuance of restricted common shares, net of forfeitures	0	$ 157	(157)
Restricted shares withheld for taxes (in shares)		(106,000)
Restricted shares withheld for taxes	(6,922)	$ (106)	(6,816)
Stock-based compensation expense	17,636		17,636
Net income	359,440			359,440
Other Comprehensive Income (Loss)	(47,869)				(47,869)
Balance (in shares) at Dec. 31, 2018		77,484,000
Balance at Dec. 31, 2018	$ 3,965,940	$ 77,484	3,107,431	833,130	(52,105)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Exercise of employee common stock options, stock appreciation rights, and related tax benefits (in shares)	59,317	59,000
Exercise of employee common stock options, stock appreciation rights, and related tax benefits	$ 1,269	$ 59	1,210
Repurchase of common stock (in shares)		(1,102,000)
Repurchase of common stock	(61,416)	$ (1,102)	(60,314)
Payments of Ordinary Dividends	(49,828)			49,828
Issuance of restricted common shares, net of forfeitures (in shares)		211,000
Issuance of restricted common shares, net of forfeitures	0	$ 211	(211)
Restricted shares withheld for taxes (in shares)		(88,000)
Restricted shares withheld for taxes	(4,963)	$ (88)	(4,875)
Stock-based compensation expense	21,226		21,226
Net income	400,881			400,881
Other Comprehensive Income (Loss)	82,639				82,639
Balance (in shares) at Dec. 31, 2019		76,564,000
Balance at Dec. 31, 2019	4,355,748	$ 76,564	3,064,467	1,184,183	30,534
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of preferred stock, net of issuance costs	$ 217,126					$ 217,126
Exercise of employee common stock options, stock appreciation rights, and related tax benefits (in shares)	17,505	18,000
Exercise of employee common stock options, stock appreciation rights, and related tax benefits	$ 410	$ 18	392
Repurchase of common stock (in shares)		(1,015,000)
Repurchase of common stock	(50,790)	$ (1,015)	(49,775)
Payments of Dividends	7,596			7,596
Payments of Ordinary Dividends	(49,389)			49,389
Issuance of restricted common shares, net of forfeitures (in shares)		255,000
Issuance of restricted common shares, net of forfeitures	0	$ 255	(255)
Issuance of common stock pursuant to restricted stock unit agreement, net of shares withheld for taxes (in shares)		86,000
Issuance of common stock pursuant to restricted stock unit agreement, net of shares withheld for taxes	2,488	$ 86	(2,574)
Restricted shares withheld for taxes (in shares)		(58,000)
Restricted shares withheld for taxes	(2,987)	$ (58)	(2,929)
Stock-based compensation expense	18,737		18,737
Net income	312,321			312,321
Cumulative effect of change in accounting principle							$ (31,796)	$ (31,796)
Other Comprehensive Income (Loss)	145,315				145,315
Balance (in shares) at Dec. 31, 2020		75,850,000
Balance at Dec. 31, 2020	$ 4,904,611	$ 75,850	$ 3,028,063	$ 1,407,723	$ 175,849	$ 217,126

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accretion (Amortization) of Discounts and Premiums, Investments	$ (38,051)	$ (20,294)	$ (19,141)
Depreciation, amortization and accretion	45,203	8,342	(23,604)
Provision for credit losses	191,734	27,283	34,377
Gains on mortgage loans sold, net	60,042	24,335	14,564
Gain (Loss) on Sale of Investments	986	(5,941)	(2,254)
Stock-based compensation expense	18,737	21,226	17,636
Deferred Income Tax Expense (Benefit)	(58,315)	14,696	11,765
Gains Losses On Sales Of Other Real Estate And Other Investments	(7,604)	(2,927)	(84)
Income (Loss) from Equity Method Investments	83,539	90,111	51,222
Dividends received from equity method investment	53,020	51,312	33,651
Excess Tax Benefit from Share-based Compensation, Operating Activities	417	1,011	2,966
Gains on other loans sold, net	2,620	3,624	3,287
Increase (Decrease) in Other Operating Assets	157,294	57,499	24,471
Increase in other liabilities	81,322	79,264	60,617
Net cash provided by operating activities	427,825	434,288	470,757
Payments to Acquire Available-for-sale Securities	1,412,210	1,455,073	1,314,721
Proceeds from Sale of Available-for-sale Securities	145,631	737,717	169,850
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	469,337	372,300	323,571
Payments to Acquire Held-to-maturity Securities	0	3,822	0
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	20,473	8,300	5,775
Payments for (Proceeds from) Loans and Leases	2,661,316	1,927,811	1,995,424
Payments to Acquire Property, Plant, and Equipment	38,761	42,153	23,739
Payment to Acquire Life Insurance Policy, Investing Activities	75,000	110,000	100,000
Proceeds from Insurance Settlement, Investing Activities	6,486	321	3,467
Proceeds from sales of software, premises, and equipment	0	66	2,967
Acquisitions, net of cash acquired	0	44,594	0
Proceeds from Sale of Other Real Estate	13,272	8,446	16,088
Proceeds from (payments for) derivative instruments	35,680		0
Payments for (Proceeds from) Derivative Instrument, Investing Activities		106,832
Payments to Acquire Intangible Assets	1,000	0	0
Payments for (Proceeds from) Other Investing Activities	71,254	55,926	56,918
Net cash used in investing activities	(3,568,662)	(2,619,061)	(2,969,084)
Net increase in deposits	7,524,867	1,332,491	2,399,407
Net increase (decrease) in repurchase agreements	1,810	21,613	(30,521)
Advances from Federal Home Loan Bank: Issuances	762,473	2,672,500	1,664,906
Payments of FHLBank Borrowings, Financing Activities	1,737,521	2,053,555	1,541,212
Proceeds from subordinated debt and other borrowings, net of issuance costs	56,568	316,078	19,850
Repayments of other borrowings	136,661	184,175	620
Repayments of Debt and Capital Lease Obligations	243	226	168
Proceeds from Issuance of Preferred Stock, Preference Stock, and Warrants	217,126	0	0
Issuance of common stock pursuant to restricted stock unit agreement, net of shares withheld for taxes	(2,488)	0	0
Exercise of common stock options, net of shares surrendered for taxes	2,577	3,694	5,071
Payments for Repurchase of Common Stock	50,790	61,416	20,694
Common dividends paid	49,389	49,828	45,454
Preferred stock dividends paid	7,596	0	0
Net cash provided by financing activities	6,575,579	1,989,788	2,440,423
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	3,434,742	(194,985)	(57,904)
Cash, cash equivalents and restricted cash, beginning of year	526,707	721,692	779,596
Cash, cash equivalents and restricted cash, end of year	3,961,449	526,707	721,692
Commercial Loan [Member]
Payments for Origination and Purchases of Loans Held-for-sale	407,578	402,623	356,597
Proceeds from Sale of Loans Held-for-sale	396,584	404,615	369,387
Consumer Loan [Member]
Payments for Origination and Purchases of Loans Held-for-sale	2,122,796	1,396,968	1,195,435
Proceeds from Sale of Loans Held-for-sale	$ 2,176,836	$ 1,373,678	$ 1,234,551

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 1. Summary of Significant Accounting Policies Nature of Business — Pinnacle Financial Partners, Inc. (Pinnacle Financial) is a financial holding company whose primary business is conducted by its wholly-owned subsidiary, Pinnacle Bank (Pinnacle Bank). Pinnacle Bank is a commercial bank headquartered in Nashville, Tennessee. Pinnacle Financial completed its acquisitions of CapitalMark Bank & Trust (CapitalMark), Magna Bank (Magna), Avenue Financial Holdings, Inc. (Avenue) and BNC Bancorp (BNC) on July 31, 2015, September 1, 2015, July 1, 2016 and June 16, 2017, respectively. Pinnacle Financial and Pinnacle Bank also collectively hold a 49% interest in Bankers Healthcare Group, LLC (BHG), a company that primarily serves as a full-service commercial loan provider to healthcare and other professional practices. Pinnacle Bank provides a full range of banking services, including investment, mortgage, and insurance services, and comprehensive wealth management services, in its 12 primarily urban markets within Tennessee, the Carolinas, Virginia and Georgia. On July 2, 2019, Pinnacle Bank acquired all of the outstanding stock of Advocate Capital, Inc. (Advocate Capital) for a cash price of $59.0 million. Advocate Capital is a finance firm headquartered in Nashville, TN which supports the financial needs of legal firms through both case expense financing and working capital lines of credit. Pinnacle Financial accounted for the acquisition of Advocate Capital under the acquisition method in accordance with ASC Topic 805. Accordingly, the purchase price is allocated to the fair value of the assets acquired and liabilities acquired as of the date of acquisition. Determining the fair value of assets and liabilities, particularly illiquid assets and liabilities, is a complicated process involving significant judgment regarding estimates and assumptions used to calculate estimated fair value. At the acquisition date, Advocate Capital's net assets, including identifiable intangible assets, were recorded at a fair value of approximately $45.6 million, consisting mainly of loans receivable. Advocate Capital's $134.3 million of indebtedness on the acquisition date was also paid off in connection with consummation of the acquisition. The purchase price allocations for the acquisition of Advocate Capital were finalized during the second quarter of 2020. Basis of Presentation — These consolidated financial statements include the accounts of Pinnacle Financial and its direct and indirect wholly-owned subsidiaries. Certain statutory trust affiliates of Pinnacle Financial, as noted in Note 9. Other Borrowings are included in these consolidated financial statements pursuant to the equity method of accounting. Significant intercompany transactions and accounts are eliminated in consolidation. Use of Estimates — The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the balance sheet dates and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term include the determination of the allowance for credit losses and the determination of any impairment of goodwill or intangible assets. It is reasonably possible Pinnacle Financial's estimate of the allowance for credit losses and determination of impairment of goodwill or intangible assets could change as a result of the continued impact of the COVID-19 pandemic on the economy. The resulting change in these estimates could be material to Pinnacle Financial's consolidated financial statements. Impairment — Long-lived assets, including purchased intangible assets subject to amortization, such as core deposit intangible assets, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to estimated undiscounted future cash flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge is recognized by the amount by which the carrying amount of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the balance sheet and reported at the lower of the carrying amount or fair value less costs to sell, and are no longer depreciated. Pinnacle Financial had $42.3 million and $51.1 million of long-lived intangibles at December 31, 2020 and 2019, respectively. Goodwill is evaluated for impairment at least annually and more frequently if events and circumstances indicate that the asset might be impaired. As described below under Recently Adopted Accounting Pronouncements, Pinnacle Financial adopted the amendments to Accounting Standards Codification (ASC) 350, Intangibles - Goodwill and Other , effective January 1, 2020. The standard provides an entity the option to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If an entity performs a qualitative assessment and determines it is necessary, or if a qualitative assessment is not performed, the entity is required to perform a one-step test to identify potential goodwill impairment and measure the amount of goodwill impairment loss to be recognized for that reporting unit (if any). Based on a qualitative assessment, if an entity determines that the fair value of a reporting unit is more than its carrying amount, the one-step goodwill impairment test is not required. Pinnacle Financial performed a qualitative assessment as of September 30, 2020 by examining changes in macroeconomic conditions, industry and market conditions, overall financial performance, cost factors and other relevant entity-specific events, including changes in the share price of Pinnacle Financial's common stock. The results of the qualitative assessment indicated that a one-step quantitative goodwill impairment test should be performed. The results of the quantitative impairment test, performed by an independent third party, indicated that the estimated fair value of Pinnacle Financial's sole reporting unit exceeded its carrying value amount at September 30, 2020 and, therefore, no goodwill impairment was recorded. Should Pinnacle Financial's common stock price decline below book value per share and remain below book value per share for an extended duration or other impairment indicators become known, additional impairment testing of goodwill may be required. Should it be determined in a future period that the goodwill has become impaired, then a charge to earnings will be recorded in the period such determination is made. The following table presents activity for goodwill and other intangible assets (in thousands): Goodwill Core deposit and Total Balance at December 31, 2019 $ 1,819,811 $ 51,130 $ 1,870,941 Purchase of trade name — 1,000 1,000 Amortization — (9,793) (9,793) Balance at December 31, 2020 $ 1,819,811 $ 42,336 $ 1,862,147 The following table presents the gross carrying amount and accumulated amortization for the core deposit and other intangible assets (in thousands): December 31, 2020 December 31, 2019 Gross carrying amount $ 108,665 $ 107,665 Accumulated amortization (66,329) (56,535) Net book value $ 42,336 $ 51,130 Cash Equivalents and Cash Flows — Cash on hand, cash items in process of collection, amounts due from banks, Federal funds sold, short-term discount notes and securities purchased under agreements to resell, with original maturities within ninety For the years ended December 31, 2020 2019 2018 Cash Payments: Interest $ 215,888 $ 287,272 $ 199,464 Income taxes paid 110,798 86,960 55,626 Noncash Transactions: Loans charged-off to the allowance for credit losses 49,333 28,467 30,400 Loans foreclosed upon with repossessions transferred to other real estate 3,436 17,937 3,524 Loans foreclosed upon with repossessions transferred to other repossessed assets 25 93 1,899 Other real estate sales financed — 871 891 Fixed assets transferred to other real estate — 8,182 — Available-for-sale securities transferred to held-to-maturity portfolio 873,613 — 179,763 Held-for-sale loans transferred to held-for-investment loan portfolio — — 44,980 Right-of-use assets recognized in the period in exchange for lease obligations (1) 15,820 90,927 — (1) Includes $79.9 million recognized upon initial adoption of ASU 2016-02 on January 1, 2019. Securities — Securities are classified based on management's intention on the date of purchase. All debt securities classified as available-for-sale are recorded at fair value with any unrealized gains and losses reported in accumulated other comprehensive income (loss), net of the deferred income tax effects. Securities that Pinnacle Financial has both the positive intent and ability to hold to maturity are classified as held-to-maturity and are carried at historical cost and adjusted for amortization of premiums and accretion of discounts. Interest and dividends on securities, including amortization of premiums and accretion of discounts calculated under the effective interest method, are included in interest income. For certain securities, amortization of premiums and accretion of discounts is computed based on the anticipated life of the security which may be shorter than the stated life of the security. Realized gains and losses from the sale of securities are determined using the specific identification method and are recorded on the trade date of the sale. Periodically, available-for-sale securities may be sold or the composition of the portfolio realigned to improve yields, quality or marketability, or to implement changes in investment or asset/liability strategy, including maintaining collateral requirements and raising funds for liquidity purposes. Additionally, if an available-for-sale security loses its investment grade, tax-exempt status, the underlying credit support is terminated or collection otherwise becomes uncertain based on factors known to management, Pinnacle will consider selling the security, but will review each security on a case-by-case basis as these factors become known. Allowance for Credit Losses - Securities Held-to-Maturity - Expected credit losses on debt securities classified as held-to-maturity are measured on a collective basis by major security type. The estimates of expected credit losses are based on historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The models rely on regression analyses to predict probability of default (PD) based on projected macroeconomic factors, including unemployment rates and gross domestic product (GDP), among others. At December 31, 2020, Pinnacle Financial's held-to-maturity securities consisted entirely of municipal securities rated A or higher by the ratings agencies. A reasonable and supportable period of eighteen months and reversion period of twelve months is utilized to estimate credit losses on held-to-maturity municipal securities. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. Allowance for Credit Losses - Securities Available-for-Sale - For any securities classified as available-for-sale that are in an unrealized loss position at the balance sheet date, Pinnacle Financial assesses whether or not it intends to sell the security, or more likely than not will be required to sell the security, before recovery of its amortized cost basis. If either criteria is met, the security's amortized cost basis is written down to fair value through net income. If neither criteria is met, Pinnacle Financial evaluates whether any portion of the decline in fair value is the result of credit deterioration. Such evaluations consider the extent to which the amortized cost of the security exceeds its fair value, changes in credit ratings and any other known adverse conditions related to the specific security. If the evaluation indicates that a credit loss exists, an allowance for credit losses is recorded through provisions for credit losses for the amount by which the amortized cost basis of the security exceeds the present value of cash flows expected to be collected, limited by the amount by which the amortized cost exceeds fair value. Any impairment not recognized in the allowance for credit losses is recognized in other comprehensive income. Loans held-for-sale — Loans originated and intended for sale are carried at the lower of cost or estimated fair value as determined on a loan-by-loan basis. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Realized gains and losses are recognized when legal title to the loans has been transferred to the purchaser and sales proceeds have been received and are reflected in the accompanying consolidated statement of income in gains on mortgage loans sold, net of related costs such as compensation expenses, for mortgage loans, and as a component of other noninterest income for commercial loans held-for-sale. Loans — Pinnacle Financial uses the following loan segments for financial reporting purposes: owner occupied commercial real estate mortgage, non-owner occupied commercial real estate, consumer real estate mortgage, construction and land development, commerical and industrial and consumer and other. The appropriate classification is determined based on the underlying collateral utilized to secure each loan. These classifications are consistent with those utilized in the Quarterly Report of Condition and Income filed by Pinnacle Bank with the Federal Deposit Insurance Corporation (FDIC). Loans are reported at their outstanding principal balances, net of applicable purchase accounting and any deferred fees or costs on originated loans. Interest income on loans is accrued based on the principal balance outstanding. Loan origination fees, net of certain loan origination costs, are deferred and recognized as an adjustment to the related loan yield using a method which approximates the interest method. At December 31, 2020 and 2019, net deferred loan fees of $53.2 million and $13.7 million respectively, were included as a reduction to loans on the accompanying consolidated balance sheets. As part of our routine credit monitoring process, commercial loans receive risk ratings by the assigned financial advisor and are subject to validation by our independent loan review department. Risk ratings are categorized as pass, special mention, substandard, substandard-nonaccrual or doubtful-nonaccrual. Pinnacle Financial believes that its categories follow those outlined by the FDIC, Pinnacle Bank's primary federal regulator. At December 31, 2020, approximately 81.4% of Pinnacle Financial's loan portfolio was assigned a specifically assigned risk rating. Certain consumer loans and commercial relationships that possess certain qualifying characteristics, including individually smaller balances, are generally not assigned an individual risk rating but are evaluated collectively for credit risk as a homogeneous pool of loans and individually as either accrual or nonaccrual based on the performance of the loan. Loans are placed on nonaccrual status when there is a significant deterioration in the financial condition of the borrower, which generally is the case but is not limited to when the principal or interest is more than 90 days past due, unless the loan is both well-secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual status is reversed against current interest income. Interest income is subsequently recognized only if certain cash payments are received while the loan is classified as nonaccrual, but interest income recognition is reviewed on a case-by-case basis to determine if the payment should be applied to interest or principal pursuant to regulatory guidelines. A nonaccrual loan is returned to accruing status once the loan has been brought current as to principal and interest and collection is reasonably assured or the loan has been well-secured through other techniques. Loans are charged off when management believes that the full collectability of the loan is unlikely. As such, a loan may be partially charged-off after a "confirming event" has occurred which serves to validate that full repayment pursuant to the terms of the loan is unlikely. Purchased loans, including loans acquired through a merger, are initially recorded at fair value on the date of purchase. At the time of acquisition, management evaluates all purchased loans using a variety of factors such as current classification or risk rating, past due status and history as a component of the fair value determination. For purchased loans that have not experienced more-than-insignificant credit deterioration since origination, management evaluates each reviewed loan using an internal grading system with a grade assigned to each loan at the date of acquisition. To the extent that any purchased loan is not specifically reviewed, such loan is assumed to have characteristics similar to the characteristics of the specifically reviewed acquired portfolio of purchased loans. Purchased loans that have experienced more than insignificant credit deterioration since origination ("purchased credit deteriorated loans") are individually evaluated by management to determine the estimated fair value of each loan. In determining the estimated fair value of such loans, management considers a number of factors including, among other things, the remaining life of the acquired loans, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral, estimated holding periods, and net present value of cash flows expected to be received. Allowance for Credit Losses - Loans - As described below under Recently Adopted Accounting Pronouncements, Pinnacle Financial adopted FASB ASC 326 effective January 1, 2020, which requires the estimation of an allowance for credit losses in accordance with the CECL methodology. Pinnacle Financial's management assesses the adequacy of the allowance on a quarterly basis. This assessment includes procedures to estimate the allowance and test the adequacy and appropriateness of the resulting balance. The level of the allowance is based upon management's evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers' ability to repay a loan (including the timing of future payments), the estimated value of any underlying collateral, composition of the loan portfolio, industry and peer bank loan quality indications and other pertinent factors, including regulatory recommendations. The level of the allowance for credit losses maintained by management is believed adequate to absorb all expected future losses inherent in the loan portfolio at the balance sheet date. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. The allowance for credit losses is measured on a collective basis for pools of loans with similar risk characteristics. Pinnacle Financial has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: • Owner occupied commercial real estate mortgage loans - Owner occupied commercial real estate mortgage loans are secured by commercial office buildings, industrial buildings, warehouses or retail buildings where the owner of the building occupies the property. For such loans, repayment is largely dependent upon the operation of the borrower's business. • Non-owner occupied commercial real estate loans - These loans represent investment real estate loans secured by office buildings, industrial buildings, warehouses, retail buildings, and multifamily residential housing. Repayment is primarily dependent on lease income generated from the underlying collateral. • Consumer real estate mortgage loans - Consumer real estate mortgage consists primarily of loans secured by 1-4 family residential properties, including home equity lines of credit. Repayment is primarily dependent on the personal cash flow of the borrower. • Construction and land development loans - Construction and land development loans include loans where the repayment is dependent on the successful completion and eventual sale, refinance or operation of the related real estate project. Construction and land development loans include 1-4 family construction projects and commercial construction endeavors such as warehouses, apartments, office and retail space and land acquisition and development. • Commercial and industrial loans - Commercial and industrial loans include loans to business enterprises issued for commercial, industrial and/or other professional purposes. These loans are generally secured by equipment, inventory, and accounts receivable of the borrower and repayment is primarily dependent on business cash flows. Loans granted under the PPP, which are fully guaranteed by the SBA, are included in this category. • Consumer and other loans - Consumer and other loans include all loans issued to individuals not included in the consumer real estate mortgage classification. Examples of consumer and other loans are automobile loans, consumer credit cards and loans to finance education, among others. Many consumer loans are unsecured. Repayment is primarily dependent on the personal cash flow of the borrower. For commercial real estate, consumer real estate, construction and land development, and commercial and industrial loans, Pinnacle Financial primarily utilizes a PD and loss given default (LGD) modeling approach. These models utilize historical correlations between default experience and certain macroeconomic factors as determined through a statistical regression analysis. All loan segments modeled using this approach consider changes in the national unemployment rate. In addition to the national unemployment rate, GDP and the three month treasury rate are considered for owner occupied commercial real estate, the commercial real estate price index and the five year treasury rate are considered for construction loans, and the three month treasury rate is considered for commercial and industrial loans. Projections of these macroeconomic factors, obtained from an independent third party, are utilized to predict quarterly rates of default based on the statistical PD models. Adjustments are made to predicted default rates as considered necessary for each loan segment based on other quantitative and qualitative information not utilized as a direct input into the statistical models. The predicted quarterly default rates are then applied to the estimated future exposure at default (EAD), as determined based on contractual amortization terms and estimated prepayments. An estimated LGD, determined based on historical loss experience, is applied to the quarterly defaulted balances for each loan segment to estimate future losses of the loan's amortized cost. Losses are predicted over a period of time determined to be reasonable and supportable, and at the end of the reasonable and supportable period losses are reverted to long term historical averages. The reasonable and supportable period and reversion period are re-evaluated each quarter by Pinnacle Financial and are dependent on the current economic environment among other factors. Upon implementation of CECL on January 1, 2020 and at December 31, 2020, a reasonable and supportable period of eighteen months was utilized for all loan segments, followed by a twelve month straight line reversion to long term averages. For the consumer and other loan segment, a loss rate approach is utilized. For these loans, historical charge off rates are applied to projected future balances, as determined in the same manner as EAD for the statistically modeled loan segments. For credit cards, which have no amortization terms or contractual maturities and are unconditionally cancellable, future balances are estimated based on expected payment volume applied to the current balance. The estimated loan losses for all loan segments are adjusted for changes in qualitative factors not inherently considered in the quantitative analyses. The qualitative categories and the measurements used to quantify the risks within each of these categories are subjectively selected by management, but measured by objective measurements period over period. The data for each measurement may be obtained from internal or external sources. The current period measurements are evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting qualitative adjustments are applied to the relevant collectively evaluated loan portfolios. These adjustments are based upon quarterly trend assessments in portfolio concentrations, policy exceptions, associate retention, independent loan review results, collateral considerations, risk ratings, competition and peer group credit quality trends. The qualitative allowance allocation, as determined by the processes noted above, is increased or decreased for each loan segment based on the assessment of these various qualitative factors. Loans that do not share similar risk characteristics with the collectively evaluated pools are evaluated on an individual basis and are excluded from the collectively evaluated pools. Individual evaluations are generally performed for loans greater than $1.0 million which have experienced significant credit deterioration. Such loans are evaluated for credit losses based on either discounted cash flows or the fair value of collateral. When management determines that foreclosure is probable, expected credit losses are based on the fair value of the collateral, less selling costs. For loans for which foreclosure is not probable, but for which repayment is expected to be provided substantially through the operation or sale of the collateral, Pinnacle Financial has elected the practical expedient under ASC 326 to estimate expected credit losses based on the fair value of collateral, with selling costs considered in the event sale of the collateral is expected. Loans for which terms have been modified in a TDR are evaluated using these same individual evaluation methods. In the event the discounted cash flow method is used for a TDR, the original interest rate is used to discount expected cash flows. Additional substantial credit risk review procedures were performed during 2020 to assess the impacts of the COVID-19 pandemic on the loan portfolio, and the results of these procedures are reflected in Pinnacle Financial's risk rating disclosures included in Note 5. Loans and Allowance for Credit Losses herein. In assessing the adequacy of the allowance for credit losses, Pinnacle Financial considers the results of Pinnacle Financial's ongoing independent loan review process. Pinnacle Financial undertakes this process both to ascertain those loans in the portfolio with elevated credit risk and to assist in its overall evaluation of the risk characteristics of the entire loan portfolio. Its loan review process includes the judgment of management, independent internal loan reviewers and reviews that may have been conducted by third-party reviewers including regulatory examiners. Pinnacle Financial incorporates relevant loan review results in the allowance. In accordance with CECL, losses are estimated over the remaining contractual terms of loans, adjusted for prepayments. The contractual term excludes expected extensions, renewals and modifications unless management has a reasonable expectation at the reporting date that a TDR will be executed or such renewals, extensions or modifications are included in the original loan agreement and are not unconditionally cancellable by Pinnacle Financial. Credit losses are estimated on the amortized cost basis of loans, which includes the principal balance outstanding, purchase discounts and premiums, deferred loan fees and costs and accrued interest receivable. Accrued interest receivable is presented separately on the balance sheets and as allowed under ASU 2016-13 is excluded from the tabular loan disclosures in Note 4. While policies and procedures used to estimate the allowance for credit losses, as well as the resultant provision for credit losses charged to income, are considered adequate by management and are reviewed periodically by regulators, model validators and internal audit, they are necessarily approximate and imprecise. There are factors beyond Pinnacle Financial's control, such as changes in projected economic conditions, real estate markets or particular industry conditions which may materially impact asset quality and the adequacy of the allowance for credit losses and thus the resulting provision for credit losses. Allowance for Loan Losses (allowance) - Prior to the Adoption of FASB ASC 326 on Janaury 1, 2020, which introduced the CECL methodology for credit losses, the allowance for loan losses was composed of the result of two independent analyses pursuant to the provisions of ASC 450-20, Loss Contingencies and ASC 310-10-35, Receivables . The ASC 450-20 analysis was intended to quantify the inherent risks in the performing loan portfolio. The ASC 310-10-35 analysis included a loan-by-loan analysis of impaired loans, primarily consisting of loans reported as nonaccrual, troubled-debt restructurings or purchased credit impaired. The ASC 450-20 component of the allowance for loan losses began with a historical loss rate calculation for each loan pool with similar risk characteristics. The losses realized over a rolling four-quarter cycle were utilized to determine an annual loss rate for each loan pool for each quarter-end in the look-back period. The look-back period in the loss rate calculation began with January 1, 2006, as the period from January 1, 2006 to present was believed to be representative of an economic cycle. The loss rates for each category were then averaged and applied to the end of period loan portfolio balances to determine estimated losses. The loss rates provided a quantitative estimate of credit losses inherent in the end of period loan portfolio based on actual loss experience. The estimated loan loss allocation for all loan segments was then adjusted for management's estimate of probable losses for a number of qualitative factors that were not considered in the quantitative analysis. The qualitative categories and the measurements used to quantify the risks within each of these categories were subjectively selected by management, but measured by objective measurements period over period. The data for each measurement was obtained from either internal or external sources. The current period measurements were evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting factor was applied to the non-impaired loan portfolio. This amount represented estimated probable inherent credit losses which existed, but had not yet been identified either in risk ratings or the impairment process, as of the balance sheet date, and were based upon quarterly trend assessments in portfolio concentrations, policy exceptions, economic conditions, associate retention, independent loan review results, collateral considerations, credit quality, competition, enterprise wide risk assessments, and peer group credit quality. The qualitative allowance allocation, as determined by the processes noted above, was increased or decreased for each loan segment based on the assessment of these various qualitative factors. The allowance for loan losses for purchased loans was calculated similar to that utilized for legacy Pinnacle Bank loans. Pinnacle Financial's accounting policy was to compare the computed allowance for loan losses for each purchased loan to the remaining fair value adjustment at the individual loan level. If the computed allowance at the loan level was greater than the remaining fair va

Equity method investment

Equity method investment	12 Months Ended
	Dec. 31, 2020
Equity Method Investments and Joint Ventures [Abstract]
Equity Method Investment	Note 2. Equity Method Investment On February 1, 2015, Pinnacle Bank acquired a 30% interest in Bankers Healthcare Group, LLC (BHG) for $75 million in cash. On March 1, 2016, Pinnacle Bank and Pinnacle Financial increased their investment in BHG by a combined 19%, for a total investment in BHG of 49%. The additional 19% interest was acquired pursuant to a purchase agreement whereby both Pinnacle Financial and Pinnacle Bank acquired 8.55% and an additional 10.45%, respectively, of the outstanding membership interests in BHG in exchange for $74.1 million in cash and 860,470 shares of Pinnacle Financial common stock valued at $39.9 million. On March 1, 2016, Pinnacle Financial, Pinnacle Bank and the other members of BHG entered into an Amended and Restated Limited Liability Company Agreement of BHG and have subsequently entered into a Second Amended and Restated Limited Liability Company Agreement on February 2, 2021. The Second Amended and Restated Limited Liability Company Agreement, provides for, among other things, the following terms: • the inability of any member of BHG to transfer its ownership interest in BHG without the consent of the other members of BHG until March 1, 2021, other than transfers to family members, trusts or affiliates of the transferring member or certain of their family members, in connection with the acquisition of Pinnacle Financial or Pinnacle Bank or a merger in which Pinnacle Financial or Pinnacle Bank is not the surviving entity, or as a result of a change in applicable law that forces Pinnacle Financial and/or Pinnacle Bank to divest their ownership interests in BHG; • co-sale rights for Pinnacle Financial and Pinnacle Bank in the event the other members of BHG decide to sell all or a portion of their ownership interests and are permitted to do so pursuant to the Limited Liability Company Agreement; and • a right of first refusal for BHG and the other members of BHG in the event that Pinnacle Financial and/or Pinnacle Bank decide to sell all or a portion of their ownership interests and are permitted to do so pursuant to the Limited Liability Company Agreement, except in connection with a transfer of their ownership interests to an affiliate or in connection with the acquisition of Pinnacle Financial or Pinnacle Bank or a merger in which Pinnacle Financial or Pinnacle Bank is not the surviving entity. Pinnacle Financial accounts for this investment pursuant to the equity method for unconsolidated subsidiaries and will recognize its interest in BHG's profits and losses in noninterest income with corresponding adjustments to the BHG investment account. Because BHG has been determined to be a voting interest entity of which Pinnacle Financial and Pinnacle Bank together control less than a majority of the board seats, this investment does not require consolidation and is accounted for pursuant to the equity method of accounting. Additionally, Pinnacle Financial did not recognize any goodwill or other intangible assets associated with these transactions as of the respective purchase dates, however, it will recognize accretion income and amortization expense associated with the fair value adjustments to the net assets acquired including the fair value of certain of BHG's liabilities which are recorded as a component of income from equity method investment, pursuant to the equity method of accounting. At December 31, 2020, Pinnacle Financial has recorded technology, trade name and customer relationship intangibles, net of related amortization, of $7.6 million compared to $8.8 million as of December 31, 2019. Amortization expense of $1.2 million was included in Pinnacle Financial's results for the year ended December 31, 2020 compared to $1.9 million for 2019 and $2.8 million for 2018. Accretion income of $2.1 million was included in Pinnacle Financial's results for the year ended December 31, 2020, while $2.6 million of accretion income was recorded in 2019 and $2.9 million was recorded in 2018. Additionally, at December 31, 2020, Pinnacle Financial had recorded accretable discounts associated with certain liabilities of BHG of $2.7 million compared to $4.8 million as of December 31, 2019. During the year ended December 31, 2020, Pinnacle Financial and Pinnacle Bank received dividends from BHG of $53.0 million in the aggregate, compared to $51.3 million during the year ended December 31, 2019 and $33.7 million during the year ended December 31, 2018. Earnings from BHG are included in Pinnacle Financial's consolidated tax return. Profits from intercompany transactions are eliminated. Pinnacle Bank has a revolving line of credit for the benefit of BHG in the amount of $100.0 million. At December 31, 2020, there was no outstanding balance on the line. The line accrues interest at LIBOR plus 225 basis points and is secured by all assets of BHG. The credit agreement contains covenants requiring BHG to maintain certain financial ratios and satisfy certain other affirmative and negative covenants. At December 31, 2020, BHG represented to Pinnacle Bank that it was in compliance, in all material respects, with these covenants. BHG partners with third party lenders, including Pinnacle Bank, to facilitate loan originations as part of BHG’s alternative financing portfolio, whereby BHG acts as the marketing firm and refers loans to the third party lenders for funding. The third party lenders receive a fee for each loan funded and subsequently sold to BHG. These loans are ultimately sold through BHG's network of clients, which includes Pinnacle Bank. During the years ended December 31, 2020, 2019 and 2018, respectively, BHG purchased $453.8 million, $337.8 million and $129.8 million of loans originated by Pinnacle Bank, respectively. During the year ended December 31, 2020, Pinnacle Bank purchased $100.0 million of loans from BHG at par pursuant to BHG's joint venture loan program whereby BHG and Pinnacle share proportionately in the credit risk of the acquired loans based on the rate on the loan and the rate of the purchase. The yield on this portfolio to Pinnacle Bank is anticipated to be between 4.75% and 5.00% per annum. Pinnacle Bank purchased no loans from BHG during the years ended December 31, 2019 and 2018, respectively. The following summary of BHG's financial position and results of operations as of December 31, 2020 and 2019 and for the years ended December 31, 2020, 2019 and 2018 are presented as unaudited due to BHG's fiscal year end being September 30 (in thousands): Banker's Healthcare Group December 31, 2020 December 31, 2019 Assets $ 1,330,317 $ 840,398 Liabilities $ 1,088,135 $ 641,037 Equity interests 242,182 199,361 Total liabilities and equity $ 1,330,317 $ 840,398 For the year ended December 31, 2020 2019 2018 Revenues $ 457,928 $ 366,500 $ 220,253 Net income, pre-tax $ 171,964 $ 182,462 $ 104,297

Restricted Cash Balances

Restricted Cash Balances	12 Months Ended
	Dec. 31, 2020
Cash and Cash Equivalents [Abstract]
Restricted Cash Balances	Note 3. Restricted Cash Balances Regulation D of the Federal Reserve Act requires that banks maintain reserve balances with the Federal Reserve Bank based principally on the type and amount of their deposits. At our option, Pinnacle Financial maintains additional balances to compensate for clearing and other services. For the years ended December 31, 2020 and 2019, the average daily balance maintained at the Federal Reserve was approximately $2.2 billion and $330.9 million, respectively. Restricted cash included on the consolidated balance sheets was $223.8 million and $137.0 million at December 31, 2020 and 2019, respectively. This restricted cash is maintained at banks as collateral primarily for our derivative portfolio. Pinnacle Financial maintains some of its cash in bank deposit accounts at financial institutions other than Pinnacle Bank that, at times, may exceed federally insured limits. Pinnacle Financial may lose all uninsured balances if one of the correspondent banks fails without warning. Pinnacle Financial has not experienced any losses in such accounts. Pinnacle Financial believes it is not exposed to any significant credit risk on cash and cash equivalents.

Securities

Securities	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Securities	Note 4. Securities The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2020 and 2019 are summarized as follows (in thousands): Amortized Cost Gross Gross Fair December 31, 2020 Securities available-for-sale: U.S Treasury securities $ 82,199 $ 10 $ — $ 82,209 U.S. Government agency securities 74,916 1,547 60 76,403 Mortgage-backed securities 1,623,759 67,759 2,327 1,689,191 State and municipal securities 1,411,288 44,559 12,484 1,443,363 Asset-backed securities 177,878 715 657 177,936 Corporate notes 117,256 2,632 2,309 117,579 $ 3,487,296 $ 117,222 $ 17,837 $ 3,586,681 Amortized Cost Gross Gross Fair December 31, 2020 Securities held-to-maturity: State and municipal securities 1,028,550 38,272 291 1,066,531 $ 1,028,550 $ 38,272 $ 291 $ 1,066,531 Allowance for credit losses - securities held-to-maturity (191) Securities held-to-maturity, net of allowance for credit losses $ 1,028,359 December 31, 2019 Securities available-for-sale: U.S Treasury securities $ 72,862 $ 19 $ 14 $ 72,867 U.S. Government agency securities 80,096 306 710 79,692 Mortgage-backed securities 1,458,894 12,789 7,776 1,463,907 State and municipal securities 1,669,606 52,096 7,249 1,714,453 Asset-backed securities 153,963 302 1,293 152,972 Corporate notes 56,212 635 743 56,104 $ 3,491,633 $ 66,147 $ 17,785 $ 3,539,995 Securities held-to-maturity: State and municipal securities 188,996 12,221 — 201,217 $ 188,996 $ 12,221 $ — $ 201,217 During the quarters ended March 31, 2020 and September 30, 2018, Pinnacle Financial transferred, at fair value, $873.6 million and $179.8 million, respectively, of municipal securities from the available-for-sale portfolio to the held-to-maturity portfolio. The related net unrealized after tax gains of $69.0 million and net unrealized after tax losses of $2.2 million, respectively, remained in accumulated other comprehensive income (loss) and will be amortized over the remaining life of the securities, offsetting the related amortization of discount on the transferred securities. No gains or losses were recognized at the time of the transfer. At December 31, 2020, approximately $1.2 billion of Pinnacle Financial's investment portfolio was pledged to secure public funds and other deposits and securities sold under agreements to repurchase. At December 31, 2020, repurchase agreements comprised of secured borrowings totaled $128.2 million and were secured by $128.2 million of pledged U.S. government agency securities, municipal securities, asset backed securities, and corporate debentures. As the fair value of securities pledged to secure repurchase agreements may decline, Pinnacle Financial regularly evaluates its need to pledge additional securities for the counterparty to remain adequately secured. The amortized cost and fair value of debt securities as of December 31, 2020 by contractual maturity are shown below. Actual maturities may differ from contractual maturities of mortgage-backed securities since the mortgages underlying the securities may be called or prepaid with or without penalty. Therefore, these securities are not included in the maturity categories in the following summary (in thousands): Available-for-sale Held-to-maturity Amortized Fair Amortized Fair Due in one year or less $ 83,050 $ 83,066 $ — $ — Due in one year to five years 12,406 12,802 1,409 1,494 Due in five years to ten years 188,991 198,687 7,180 7,300 Due after ten years 1,401,212 1,424,999 1,019,961 1,057,737 Mortgage-backed securities 1,623,759 1,689,191 — — Asset-backed securities 177,878 177,936 — — $ 3,487,296 $ 3,586,681 $ 1,028,550 $ 1,066,531 At December 31, 2020 and 2019, included in securities were the following investments with unrealized losses. The information below classifies these investments according to the term of the unrealized loss of less than twelve months or twelve months or longer (in thousands): Investments with an Unrealized Loss of Investments with an Total Investments Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized December 31, 2020 U.S. Treasury securities $ — $ — $ — $ — $ — $ — U.S. Government agency securities 9,962 38 6,091 22 16,053 60 Mortgage-backed securities 165,696 1,772 35,997 555 201,693 2,327 State and municipal securities 175,115 2,220 345,435 10,264 520,550 12,484 Asset-backed securities 46,399 207 52,840 450 99,239 657 Corporate notes 9,978 40 23,920 2,269 33,898 2,309 Total temporarily-impaired securities $ 407,150 $ 4,277 $ 464,283 $ 13,560 $ 871,433 $ 17,837 December 31, 2019 U.S. Treasury securities $ 40,505 $ 14 $ — $ — $ 40,505 $ 14 U.S. Government agency securities 1,222 1 30,892 709 32,114 710 Mortgage-backed securities 458,881 5,102 163,767 2,674 622,648 7,776 State and municipal securities 204,958 1,938 244,884 5,311 449,842 7,249 Asset-backed securities 75,488 796 59,816 497 135,304 1,293 Corporate notes — — 16,908 743 16,908 743 Total temporarily-impaired securities $ 781,054 $ 7,851 $ 516,267 $ 9,934 $ 1,297,321 $ 17,785 The applicable date for determining when securities are in an unrealized loss position is December 31, 2020 and 2019. As such, it is possible that a security had a market value less than its amortized cost on other days during the twelve-month periods ended December 31, 2020 and 2019, but is not in the "Investments with an Unrealized Loss of less than 12 months" category above. As shown in the tables above, at December 31, 2020 and 2019, Pinnacle Financial had unrealized losses of $17.8 million on $871.4 million and $1.3 billion, respectively, of securities. The unrealized losses associated with $873.6 million and $179.8 million of municipal securities transferred from the available-for-sale portfolio to the held-to-maturity portfolio during the quarters ended March 31, 2020 and September 30, 2018, respectively, represent unrealized losses since the date of purchase, independent of the impact associated with changes in the cost basis upon transfer between portfolios. As described in Note 1. Summary of Significant Accounting Policies, for any securities classified as available-for-sale that are in an unrealized loss position at the balance sheet date, Pinnacle Financial assesses whether or not it intends to sell the security, or more-likely-than-not will be required to sell the security, before recovery of its amortized cost basis which would require a write-down to fair value through net income. Because Pinnacle Financial currently does not intend to sell those securities that have an unrealized loss at December 31, 2020, and it is not more-likely-than-not that Pinnacle Financial will be required to sell the securities before recovery of their amortized cost bases, which may be maturity, Pinnacle Financial has determined that no write-down is necessary. In addition, Pinnacle Financial evaluates whether any portion of the decline in fair value is the result of credit deterioration, which would require the recognition of an allowance for credit losses. Such evaluations consider the extent to which the amortized cost of the security exceeds its fair value, changes in credit ratings and any other known adverse conditions related to the specific security. The unrealized losses associated with securities at December 31, 2020 are driven by changes in interest rates and are not due to the credit quality of the securities, and accordingly, no allowance for credit losses is considered necessary related to available-for-sale securities at December 31, 2020. These securities will continue to be monitored as a part of Pinnacle Financial's ongoing evaluation of credit quality. The allowance for credit losses on held-to-maturity securities is measured on a collective basis by major security type as described in Note 1. Summary of Significant Accounting Policies. At December 31, 2020, Pinnacle Financial's held-to-maturity securities consist entirely of municipal securities. A reasonable and supportable period of eighteen months and reversion period of twelve months was utilized to estimate credit losses on held-to-maturity municipal securities at December 31, 2020. With the implementation of CECL effective January 1, 2020, estimated credit losses on held-to-maturity municipal securities totaled approximately $10,000. At December 31, 2020, the estimated allowance for credit losses on these securities increased to $191,000, with the increase driven largely by changes in macroeconomic projections. Pinnacle Financial utilizes bond credit ratings assigned by third party ratings agencies to monitor the credit quality of debt securities held-to-maturity. At December 31, 2020, all debt securities classified as held-to-maturity were rated A or higher by the ratings agencies. Updated credit ratings are obtained as they become available from the ratings agencies. Periodically, available-for-sale securities may be sold or the composition of the portfolio realigned to improve yields, quality or marketability, or to implement changes in investment or asset/liability strategy, including maintaining collateral requirements and raising funds for liquidity purposes. Additionally, if an available-for-sale security loses its investment grade or tax-exempt status, the underlying credit support is terminated or collection otherwise becomes uncertain based on factors known to management, Pinnacle Financial will consider selling the security, but will review each security on a case-by-case basis as these factors become known. Consistent with the investment policy, during 2020 available-for-sale securities of approximately $145.6 million were sold and net unrealized gains, net of tax, of $728,000 were reclassified from accumulated other comprehensive income into net income. The carrying values of Pinnacle Financial's investment securities could decline in the future if the financial condition of the securities' issuers deteriorates and management determines it is probable that Pinnacle Financial will not recover the entire amortized cost bases of the securities. As a result, there is a risk that other-than-temporary impairment charges may occur in the future. Additionally, there is a risk that other-than-temporary impairment charges may occur in the future if management's intention to hold these securities to maturity and/or recovery changes. Pinnacle Financial has entered into various fair value hedging transactions to mitigate the impact of changing interest rates on the fair values of available for sale securities. See Note 14. Derivative Instruments for disclosure of the gains and losses recognized on derivative instruments and the cumulative fair value hedging adjustments to the carrying amount of the hedged securities.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Loans and Allowance for Loan Losses	Note 5. Loans and Allowance for Credit Losses For financial reporting purposes, Pinnacle Financial classifies its loan portfolio based on the underlying collateral utilized to secure each loan. This classification is consistent with those utilized in the Quarterly Report of Condition and Income filed by Pinnacle Bank with the Federal Deposit Insurance Corporation (FDIC). Effective January 1, 2020, Pinnacle Financial adopted FASB ASU 2016-13 and related amendments, which introduced the CECL methodology for estimating credit losses. Accordingly, all information as of and for the year ended December 31, 2020 is presented in accordance with ASU 2016-13 and all prior period information is presented in accordance with previously applicable GAAP. Pinnacle Financial uses the following loan categories for presentation of loan balances and the related allowance for credit losses on loans: • Owner occupied commercial real estate mortgage loans - Owner occupied commercial real estate mortgage loans are secured by commercial office buildings, industrial buildings, warehouses or retail buildings where the owner of the building occupies the property. For such loans, repayment is largely dependent upon the operation of the borrower's business. • Non-owner occupied commercial real estate loans - These loans represent investment real estate loans secured by office buildings, industrial buildings, warehouses, retail buildings, and multifamily residential housing. Repayment is primarily dependent on lease income generated from the underlying collateral. • Consumer real estate mortgage loans - Consumer real estate mortgage consists primarily of loans secured by 1-4 family residential properties, including home equity lines of credit. Repayment is primarily dependent on the personal cash flow of the borrower. • Construction and land development loans - Construction and land development loans include loans where the repayment is dependent on the successful completion and eventual sale, refinance or operation of the related real estate project. Construction and land development loans include 1-4 family construction projects and commercial construction endeavors such as warehouses, apartments, office and retail space and land acquisition and development. • Commercial and industrial loans - Commercial and industrial loans include loans to business enterprises issued for commercial, industrial and/or other professional purposes. These loans are generally secured by equipment, inventory, and accounts receivable of the borrower and repayment is primarily dependent on business cash flows. Loans granted under the PPP, which are fully guaranteed by the SBA, are included in this category. Such loans totaled $1.8 billion at December 31, 2020. • Consumer and other loans - Consumer and other loans include all loans issued to individuals not included in the consumer real estate mortgage classification. Examples of consumer and other loans are automobile loans, consumer credit cards and loans to finance education, among others. Many consumer loans are unsecured. Repayment is primarily dependent on the personal cash flow of the borrower. Loans at December 31, 2020 and 2019 (in thousands) were as follows: December 31, 2020 December 31, 2019 Commercial real estate: Owner-occupied $ 2,802,227 $ 2,669,766 Non-owner occupied 5,203,384 5,039,452 Consumer real estate – mortgage 3,099,172 3,068,625 Construction and land development 2,901,746 2,430,483 Commercial and industrial 8,038,457 6,290,296 Consumer and other 379,515 289,254 Subtotal $ 22,424,501 $ 19,787,876 Allowance for credit losses (285,050) (94,777) Loans, net $ 22,139,451 $ 19,693,099 Commercial loans receive risk ratings by the assigned financial advisor subject to validation by Pinnacle Financial's independent loan review department. Risk ratings are categorized as pass, special mention, substandard, substandard-nonaccrual or doubtful-nonaccrual. Pass rated loans include multiple ratings categories representing varying degrees of risk attributes lesser than those of the other defined risk categories further described below. Pinnacle Financial believes its categories follow those used by Pinnacle Bank's primary regulators. At December 31, 2020, approximately 81.4% of Pinnacle Financial's loan portfolio was analyzed as a commercial loan type with a specifically assigned risk rating. Consumer loans and small business loans are generally not assigned an individual risk rating but are evaluated as either accrual or nonaccrual based on the performance of the individual loans. However, certain consumer real estate-mortgage loans and certain consumer and other loans receive a specific risk rating due to the loan proceeds being used for commercial purposes even though the collateral may be of a consumer loan nature. Consumer loans that have been placed on nonaccrual but have not otherwise been assigned a risk rating are believed by management to share risk characteristics with loans rated substandard-nonaccrual and have been presented as such in Pinnacle Financial's risk rating disclosures. Risk ratings are subject to continual review by a financial advisor and a senior credit officer. At least annually, Pinnacle Financial's credit procedures require every risk rated loan of $1.0 million or more be subject to a formal credit risk review process. Each loan's risk rating is also subject to review by Pinnacle Financial's independent loan review department, which reviews a substantial portion of Pinnacle Financial's risk rated portfolio annually. Included in the coverage are independent reviews of loans in targeted higher-risk portfolio segments such as certain commercial and industrial loans, land loans and/or loan types in certain geographies. Substantial credit risk review procedures were performed during 2020 to assess the impacts of the COVID-19 pandemic on the loan portfolio, and the results of these procedures are reflected in Pinnacle Financial's risk rating disclosures as of December 31, 2020. Following are the definitions of the risk rating categories used by Pinnacle Financial. Pass rated loans include all credits other than those included within these categories: • Special mention loans have potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in Pinnacle Financial's credit position at some future date. • Substandard loans are inadequately protected by the current net worth and financial capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness or weaknesses that jeopardize collection of the debt. Substandard loans are characterized by the distinct possibility that Pinnacle Financial could sustain some loss if the deficiencies are not corrected. • Substandard-nonaccrual loans are substandard loans that have been placed on nonaccrual status. • Doubtful-nonaccrual loans have all the characteristics of substandard-nonaccrual loans with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The table below presents loan balances classified within each risk rating category by primary loan type and based on year of origination as of December 31, 2020 (in thousands): December 31, 2020 2020 2019 2018 2017 2016 Prior Revolving Loans Total Commercial real estate- owner occupied Pass $ 824,419 $ 437,755 $ 430,690 $ 311,132 $ 280,826 $ 257,717 $ 74,287 $ 2,616,826 Special Mention 38,687 23,641 22,521 13,335 5,089 4,762 9,638 117,673 Substandard (1) 17,131 7,035 6,853 12,063 6,627 3,946 3,842 57,497 Substandard-nonaccrual 972 149 2,932 1,448 1,532 3,136 62 10,231 Doubtful-nonaccrual — — — — — — — — Total Commercial real estate - owner occupied $ 881,209 $ 468,580 $ 462,996 $ 337,978 $ 294,074 $ 269,561 $ 87,829 $ 2,802,227 Commercial real estate- Non-owner occupied Pass $ 1,210,032 $ 951,070 $ 728,348 $ 507,095 $ 482,642 $ 323,036 $ 73,706 $ 4,275,929 Special Mention 477,098 121,531 44,634 107,712 72,618 58,169 9,840 891,602 Substandard (1) 15,039 1,666 3,140 3,551 4,929 2,309 — 30,634 Substandard-nonaccrual 763 423 586 137 749 2,561 — 5,219 Doubtful-nonaccrual — — — — — — — — Total Commercial real estate - Non-owner occupied $ 1,702,932 $ 1,074,690 $ 776,708 $ 618,495 $ 560,938 $ 386,075 $ 83,546 $ 5,203,384 Consumer real estate – mortgage Pass $ 730,617 $ 477,965 $ 321,411 $ 163,457 $ 123,900 $ 296,408 $ 945,558 $ 3,059,316 Special Mention 1,206 65 970 67 — 946 8,739 11,993 Substandard (1) 689 507 — 189 8 2,171 2,108 5,672 Substandard-nonaccrual 275 2,486 999 1,248 2,588 10,516 4,079 22,191 Doubtful-nonaccrual — — — — — — — — Total Consumer real estate – mortgage $ 732,787 $ 481,023 $ 323,380 $ 164,961 $ 126,496 $ 310,041 $ 960,484 $ 3,099,172 Construction and land development Pass $ 1,199,902 $ 1,171,879 $ 363,247 $ 56,736 $ 19,198 $ 6,548 $ 18,233 $ 2,835,743 Special Mention 55,805 2,648 154 — 4,243 — — 62,850 Substandard (1) 777 15 27 — 240 141 — 1,200 Substandard-nonaccrual 378 535 73 78 — 889 — 1,953 Doubtful-nonaccrual — — — — — — — — Total Construction and land development $ 1,256,862 $ 1,175,077 $ 363,501 $ 56,814 $ 23,681 $ 7,578 $ 18,233 $ 2,901,746 Commercial and industrial Pass $ 3,572,453 $ 973,558 $ 601,865 $ 270,880 $ 116,736 $ 79,527 $ 2,141,512 $ 7,756,531 Special Mention 44,560 66,186 5,348 7,804 3,735 731 40,816 169,180 Substandard (1) 26,463 15,283 12,796 2,816 524 2,071 18,555 78,508 Substandard-nonaccrual 19,127 5,350 488 1,084 186 79 7,924 34,238 Doubtful-nonaccrual — — — — — — — — Total Commercial and industrial $ 3,662,603 $ 1,060,377 $ 620,497 $ 282,584 $ 121,181 $ 82,408 $ 2,208,807 $ 8,038,457 Consumer and other Pass $ 165,029 $ 16,947 $ 6,515 $ 6,828 $ 3,690 $ 1,643 $ 178,859 $ 379,511 Special Mention — — — — — — — — Substandard (1) — — — — — — — — Substandard-nonaccrual — — — — 4 — — 4 Doubtful-nonaccrual — — — — — — — — Total Consumer and other $ 165,029 $ 16,947 $ 6,515 $ 6,828 $ 3,694 $ 1,643 $ 178,859 $ 379,515 Total loans Pass $ 7,702,452 $ 4,029,174 $ 2,452,076 $ 1,316,128 $ 1,026,992 $ 964,879 $ 3,432,155 $ 20,923,856 Special Mention 617,356 214,071 73,627 128,918 85,685 64,608 69,033 1,253,298 Substandard (1) 60,099 24,506 22,816 18,619 12,328 10,638 24,505 173,511 Substandard-nonaccrual 21,515 8,943 5,078 3,995 5,059 17,181 12,065 73,836 Doubtful-nonaccrual — — — — — — — — Total loans $ 8,401,422 $ 4,276,694 $ 2,553,597 $ 1,467,660 $ 1,130,064 $ 1,057,306 $ 3,537,758 $ 22,424,501 The following table outlines the risk category of loans as of December 31, 2019 (in thousands): December 31, 2019 Commercial real estate - mortgage Consumer real estate - mortgage Construction and land development Commercial and industrial Consumer Total Pass $ 7,499,725 $ 3,019,203 $ 2,422,347 $ 6,069,757 $ 288,361 $ 19,299,393 Special Mention 51,147 13,787 2,816 79,819 698 148,267 Substandard (1) 139,518 10,969 3,042 125,035 47 278,611 Substandard-nonaccrual 18,828 24,666 2,278 15,685 148 61,605 Doubtful-nonaccrual — — — — — — Total loans $ 7,709,218 $ 3,068,625 $ 2,430,483 $ 6,290,296 $ 289,254 $ 19,787,876 (1) Potential problem loans represent those loans with a well-defined weakness and where information about possible credit problems of borrowers has caused management to have doubts about the borrower's ability to comply with present repayment terms. This definition is believed to be substantially consistent with the standards established by Pinnacle Bank's primary regulators for loans classified as substandard, excluding TDRs. Potential problem loans, which are not included in nonaccrual loans, amounted to approximately $173.5 million at December 31, 2020, compared to $276.0 million at December 31, 2019. The table below presents the aging of past due balances by loan segment at December 31, 2020 and December 31, 2019 (in thousands): December 31, 2020 30-59 days past due 60-89 days past due 90 days or more past due Total past due Current Total loans Commercial real estate: Owner-occupied $ 934 $ 2,672 $ 1,860 $ 5,466 $ 2,796,761 $ 2,802,227 Non-owner occupied 726 6,220 3,861 10,807 5,192,577 5,203,384 Consumer real estate – mortgage 8,859 328 6,274 15,461 3,083,711 3,099,172 Construction and land development 278 418 736 1,432 2,900,314 2,901,746 Commercial and industrial 20,278 5,801 4,408 30,487 8,007,970 8,038,457 Consumer and other 806 282 304 1,392 378,123 379,515 Total $ 31,881 $ 15,721 $ 17,443 $ 65,045 $ 22,359,456 $ 22,424,501 December 31, 2019 Commercial real estate: Owner-occupied $ 2,307 $ 2,932 $ 1,719 $ 6,958 $ 2,662,808 $ 2,669,766 Non-owner occupied 3,156 3,641 3,816 10,613 5,028,839 5,039,452 Consumer real estate – mortgage 11,646 2,157 7,304 21,107 3,047,518 3,068,625 Construction and land development 1,392 711 1,487 3,590 2,426,893 2,430,483 Commercial and industrial 8,474 2,478 6,364 17,316 6,272,980 6,290,296 Consumer and other 1,770 414 570 2,754 286,500 289,254 Total $ 28,745 $ 12,333 $ 21,260 $ 62,338 $ 19,725,538 $ 19,787,876 The following table details the changes in the allowance for credit losses from December 31, 2017 to December 31, 2018 to December 31, 2019 to December 31, 2020 by loan classification and the allocation of allowance for credit losses (in thousands): Commercial real estate - owner occupied Commercial real estate - non-owner occupied Consumer real estate - mortgage Construction and land development Commercial and industrial Consumer and other Unallocated Total Allowance for Credit Losses: Balance at December 31, 2017 $ 8,992 $ 12,196 $ 5,031 $ 8,962 $ 24,863 $ 5,874 $ 1,322 $ 67,240 Charged-off loans (2,652) (378) (1,593) (74) (13,175) (12,528) — (30,400) Recovery of previously charged-off loans 1,568 528 2,653 1,863 3,035 2,711 — 12,358 Provision for credit losses 2,667 4,025 1,579 377 17,008 9,366 (645) 34,377 Balance at December 31, 2018 $ 10,575 $ 16,371 $ 7,670 $ 11,128 $ 31,731 $ 5,423 $ 677 $ 83,575 Charged-off loans (1,625) (75) (1,335) (18) (19,208) (6,206) — (28,467) Recovery of previously charged-off loans 1,252 980 1,827 682 6,473 1,172 — 12,386 Provision for credit losses 3,204 2,687 (108) 870 17,116 3,206 308 27,283 Balance at December 31, 2019 $ 13,406 $ 19,963 $ 8,054 $ 12,662 $ 36,112 $ 3,595 $ 985 $ 94,777 Impact of adopting ASC 326 264 (4,740) 21,029 (3,144) 23,040 2,638 (985) 38,102 Charged-off loans (2,598) (546) (3,478) — (38,718) (3,993) — (49,333) Recovery of previously charged-off loans 1,317 911 1,493 147 4,540 1,554 — 9,962 Provision for credit losses 10,909 63,544 6,206 32,743 73,449 4,691 — 191,542 Balance at December 31, 2020 $ 23,298 $ 79,132 $ 33,304 $ 42,408 $ 98,423 $ 8,485 $ — $ 285,050 The following table details the allowance for credit losses on loans and recorded investment in loans by loan classification and by impairment evaluation method as of December 31, 2019, as determined in accordance with ASC 310 prior to the adoption of ASU 2016-13 (in thousands): Commercial real estate - mortgage Consumer real estate - mortgage Construction and land development Commercial and industrial Consumer and other Unallocated Total December 31, 2019 Allowance for Loan Losses: Collectively evaluated for impairment $ 32,134 $ 6,762 $ 12,629 $ 35,401 $ 3,586 $ 90,512 Individually evaluated for impairment 1,235 1,292 33 711 9 3,280 Loans acquired with deteriorated credit quality (1) — — — — — — Balance at December 31, 2019 $ 33,369 $ 8,054 $ 12,662 $ 36,112 $ 3,595 $ 985 $ 94,777 Loans: Collectively evaluated for impairment $ 7,681,608 $ 3,036,922 $ 2,426,901 $ 6,274,280 $ 289,106 $ 19,708,817 Individually evaluated for impairment 18,122 25,018 561 14,295 148 58,144 Loans acquired with deteriorated credit quality 9,488 6,685 3,021 1,721 — 20,915 Balance at December 31, 2019 $ 7,709,218 $ 3,068,625 $ 2,430,483 $ 6,290,296 $ 289,254 $ 19,787,876 (1) Prior to the adoption of ASC 326 on January 1, 2020, an allowance for loan losses was recorded on loans acquired with deteriorated credit quality only in the event of additional credit deterioration subsequent to acquisition. As described in Note 1. Summary of Significant Accounting Policies , Pinnacle Financial adopted ASU 2016-13 on January 1, 2020, which introduced the CECL methodology for estimating all expected losses over the life of a financial asset. Under the CECL methodology the allowance for credit losses is measured on a collective basis for pools of loans with similar risk characteristics, and for loans that do not share similar risk characteristics with the collectively evaluated pools, evaluations are performed on an individual basis. For all loan segments collectively evaluated, losses are predicted over a period of time determined to be reasonable and supportable, and at the end of the reasonable and supportable period losses are reverted to long term historical averages. At December 31, 2020, Pinnacle Financial utilized a reasonable and supportable period of eighteen months for all loan segments, followed by a twelve month straight line reversion to long term averages. Upon adoption of ASU 2016-13, the opening balance of the allowance for credit losses was increased by $38.1 million through retained earnings. The adequacy of the allowance for credit losses is reviewed by Pinnacle Financial's management on a quarterly basis. This assessment includes procedures to estimate the allowance and test the adequacy and appropriateness of the resulting balance. The level of the allowance is based upon management's evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers' ability to repay the loan (including the timing of future payment), the estimated value of any underlying collateral, composition of the loan portfolio, industry and peer bank loan quality indications and other pertinent factors, including regulatory recommendations. The level of the allowance for credit losses maintained by management is believed adequate to absorb all expected future losses inherent in the loan portfolio at the balance sheet date. The allowance is increased by provisions charged to expense and decreased by charge-offs, net of recoveries of amounts previously charged-off. The additional increase during the year ended December 31, 2020 is primarily attributable to the change in projected economic conditions resulting from the COVID-19 pandemic, with elevated levels of the unemployment rate being the most significant driver. The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses (in thousands): Real Estate Business Assets Other Total December 31, 2020 Commercial real estate: Owner-occupied $ 15,681 $ — $ — $ 15,681 Non-owner occupied 7,000 — — 7,000 Consumer real estate – mortgage 27,082 — — 27,082 Construction and land development 2,049 — — 2,049 Commercial and industrial — 22,437 39 22,476 Consumer and other — — 4 4 Total $ 51,812 $ 22,437 $ 43 $ 74,292 The table below presents the amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest at December 31, 2020 and December 31, 2019. Also presented is the balance of loans on nonaccrual status at December 31, 2020 for which there was no related allowance for credit losses recorded (in thousands): December 31, 2020 December 31, 2019 Total nonaccrual loans Nonaccrual loans with no allowance for credit losses Loans past due 90 or more days and still accruing Total nonaccrual loans Loans past due 90 or more days and still accruing Commercial real estate: Owner-occupied $ 10,231 $ 5,985 $ — $ 11,654 $ — Non-owner occupied 5,219 1,522 — 7,173 — Consumer real estate – mortgage 22,191 — 273 24,667 168 Construction and land development 1,953 — — 2,278 — Commercial and industrial 34,238 29,030 1,785 15,685 946 Consumer and other 4 — 304 148 501 Total $ 73,836 $ 36,537 $ 2,362 $ 61,605 $ 1,615 Pinnacle Financial's policy is the accrual of interest income will be discontinued when (1) there is a significant deterioration in the financial condition of the borrower and full repayment of principal and interest is not expected or (2) the principal or interest is more than 90 days past due, unless the loan is both well secured and in the process of collection. As such, at the date loans are placed on nonaccrual status, Pinnacle Financial reverses all previously accrued interest income against current year earnings. Pinnacle Financial's policy is once a loan is placed on nonaccrual status each subsequent payment is reviewed on a case-by-case basis to determine if the payment should be applied to interest or principal pursuant to regulatory guidelines. Pinnacle Financial recognized no interest income through cash payments received on nonaccrual loans during the year ended December 31, 2020 compared to $176,000, and $469,000 in interest income from cash payments received on nonaccrual loans during the years ended December 31, 2019 and 2018, respectively. Had these nonaccruing loans been on accruing status, interest income would have been higher by $3.3 million, $3.0 million and $4.2 million for the years ended December 31, 2020, 2019 and 2018, respectively. Approximately $51.7 million and $35.8 million of nonaccrual loans as of December 31, 2020 and 2019, respectively, were performing pursuant to their contractual terms at those dates. The following tables presents the recorded investment, average recorded investment, and the amount of interest income recognized on a cash basis for impaired loans at December 31, 2019 and 2018, respectively, as determined under ASC 310 prior to the adoption of ASU 2016-13. Impaired loans generally include nonaccrual loans, TDRs, and other loans deemed to be impaired but that continue to accrue interest. Presented are the recorded investment, unpaid principal balance, and related allowance of impaired loans at December 31, 2019 and 2018, respectively, by loan classification (in thousands): December 31, 2019 For the year ending Recorded investment Unpaid principal balance Related allowance Average recorded investment Cash basis Impaired loans with an allowance: Commercial real estate – mortgage $ 9,998 $ 10,983 $ 1,235 $ 13,750 $ — Consumer real estate – mortgage 20,996 23,105 1,292 20,909 — Construction and land development 542 654 33 578 — Commercial and industrial 4,074 5,381 711 8,871 — Consumer and other 148 182 9 350 — Total $ 35,758 $ 40,305 $ 3,280 $ 44,458 $ — Impaired loans without an allowance: Commercial real estate – mortgage $ 8,124 $ 8,891 $ — $ 11,642 $ 176 Consumer real estate – mortgage 4,022 4,021 — 7,509 — Construction and land development 19 17 — 365 — Commercial and industrial 10,221 11,322 — 12,945 — Consumer and other — — — — — Total $ 22,386 $ 24,251 $ — $ 32,461 $ 176 Total impaired loans $ 58,144 $ 64,556 $ 3,280 $ 76,919 $ 176 December 31, 2018 For the year ended Recorded investment Unpaid principal balance Related allowance Average recorded investment Cash basis Impaired loans with an allowance: Commercial real estate – mortgage $ 14,114 $ 14,124 $ 724 $ 10,260 $ — Consumer real estate – mortgage 19,864 19,991 1,443 13,154 — Construction and land development 581 579 28 1,157 — Commercial and industrial 9,252 9,215 1,441 9,326 — Consumer and other 983 1,005 328 718 — Total $ 44,794 $ 44,914 $ 3,964 $ 34,615 $ — Impaired loans without an allowance: Commercial real estate – mortgage $ 14,724 $ 14,739 $ — $ 17,906 $ 469 Consumer real estate – mortgage 7,247 7,271 — 5,477 — Construction and land development 1,786 1,786 — 1,463 — Commercial and industrial 14,595 14,627 — 15,796 — Consumer and other — — — — — Total $ 38,352 $ 38,423 $ — $ 40,642 $ 469 Total impaired loans $ 83,146 $ 83,337 $ 3,964 $ 75,257 $ 469 Prior to the adoption of ASU 2016-13, loans acquired with deteriorated credit quality, referred to under ASC 310-30 as purchased credit impaired loans and under ASU 2016-13 as purchased credit deteriorated loans, were assigned a credit related purchase discount and non-credit related purchase discount at acquisition. Upon adoption of ASU 2016-13 on January 1, 2020, the remaining credit related discount was re-classified to a component of the allowance for credit losses. The remaining non-credit discount will continue to be accreted into income over the remaining lives of the related loans. The following table provides a rollforward of PCD loans from December 31, 2018 through December 31, 2020 (in thousands): Gross Carrying Value Accretable Yield Nonaccretable Yield Carrying Value December 31, 2018 $ 42,837 $ (114) $ (17,394) $ 25,329 Acquisitions 1,883 — — 1,883 Reclassification of yield from nonaccretable to accretable — (7,505) 7,505 — Settlements (15,176) 2,818 6,061 (6,297) December 31, 2019 $ 29,544 $ (4,801) $ (3,828) $ 20,915 Reclassification of discount to allowance for credit losses — — 3,828 3,828 Settlements (8,158) 2,561 — (5,597) December 31, 2020 $ 21,386 $ (2,240) $ — $ 19,146 The carrying value is adjusted for additional draws, pursuant to contractual arrangements, offset by loan paydowns. Year-to-date settlements include both loans that were charged-off as well as loans that were paid off, typically as a result of refinancings at other institutions. At December 31, 2020 and 2019, there were $2.5 million and $4.9 million, respectively, of TDRs that were performing as of their restructure date and which are accruing interest. Troubled commercial loans are restructured by specialists within Pinnacle Bank's Special Assets Group, and all restructurings are approved by committees and/or credit officers separate and apart from the normal loan approval process. These specialists are charged with reducing Pinnacle Financial's overall risk and exposure to loss in the event of a restructuring by obtaining some or all of the following: improved documentation, additional guaranties, increase in curtailments, reduction in collateral release terms, additional collateral or other similar strategies. The following table outlines the amount of each TDR by loan classification made during the years ended December 31, 2020, 2019 and 2018 (dollars in thousands): Number Pre Modification Outstanding Recorded Investment Post Modification Outstanding Recorded Investment, net of related allowance December 31, 2020 Commercial real estate: Owner-occupied — $ — $ — Non-owner occupied — — — Consumer real estate – mortgage 1 807 807 Construction and land development — — — Commercial and industrial — — — Consumer and other — — — 1 $ 807 $ 807 December 31, 2019 Commercial real estate: Owner-occupied 1 $ 306 $ 287 Non-owner occupied — — — Consumer real estate – mortgage 1 683 683 Construction and land development 1 19 19 Commercial and industrial 1 1,318 777 Consumer and other — — — 4 $ 2,326 $ 1,766 December 31, 2018 Commercial real estate: Owner-occupied — $ — $ — Non-owner occupied — — — Consumer real estate – mortgage 3 1,967 1,967 Construction and land development 1 347 347 Commercial and industrial — — — Consumer and other — — — 4 $ 2,314 $ 2,314 During the years ended December 31, 2020, 2019 and 2018, Pinnacle Financial had no TDRs that subsequently defaulted within twelve months of the restructuring. A default is defined as an occurrence which violates the terms of the receivable's contract. In response to the COVID-19 pandemic and its economic impact to its customers, Pinnacle Bank implemented a short-term modification program in accordance with interagency regulatory guidance to provide temporary payment relief to those borrowers directly impacted by COVID-19 who were not more than 30 days past due at the time of the modification. This program allowed for a deferral of payments for up to two successive 90 day periods for a cumulative maximum of 180 days. Pursuant to interagency guidance, such short-term deferrals are not deemed to meet the criteria for reporting as TDRs. For borrowers requiring a longer-term modification following the short-term loan modification program, Pinnacle Financial worked with these borrowers whose loans were not more than 30 days past due at December 31, 2019 and who required modifications as a result of COVID-19 to modify such loans under Section 4013 of the CARES Act. The outstanding balance at December 31, 2020 of loans which have received such modifications was approximately $825.6 million. In accordance with the provisions of the CARES Act, these modifications have not been classified as TDRs. Pinnacle Financial analyzes its commercial loan portfolio to determine if a concentration of credit risk exists to any industries. Pinnacle Financial utilizes broadly accepted industry classification systems in order to classify borrowers into various industry classifications. Pinnacle Financial had a credit exposure (loans outstanding plus unfunded lines of credit) exceeding 25% of Pinnacle Bank's total risk-based capital to borrowers in the following industries at December 31, 2020 with the comparative exposures for December 31, 2019 (in thousands): At December 31, 2020 Outstanding Principal Balances Unfunded Commitments Total exposure Total Exposure at December 31, 2019 Lessors of nonresidential buildings $ 3,558,320 $ 884,392 $ 4,442,712 $ 4,578,116 Lessors of residential buildings 1,340,937 785,309 2,126,246 1,599,837 New housing for-sale builders 474,932 649,370 1,124,302 1,090,603 Hotels and motels 949,712 89,547 1,039,259 967,771 Total $ 6,323,901 $ 2,408,618 $ 8,732,519 $ 8,236,327 Pinnacle Financial monitors two ratios regarding construction and commercial real estate lending as a part of its concentration management process. Both ratios are calculated by dividing certain types of loan balances for each of the two categories by Pinnacle Bank's total risk-based capital. At December 31, 2020 and 2019, Pinnacle Bank's construction and land development loans as a percentage of total risk-based capital were 89.0% and 83.6%, respectively. Non owner-occupied commercial real estate and multifamily loans (including construction and land development loans) as a percentage of total risk-based capital were 264.0% and 268.3% as of December 31, 2020 and 2019, respectively. Banking regulations have established guidelines for the construction ratio of less than 100% of total risk-based capital and for the non owner-occupied commercial real estate and multifamily ratio of less than 300% of total risk-based capital. When a bank's ratios are in excess of one or both of these guidelines, banking regulations generally require an increased level of monitoring in these lending areas by bank management. Pinnacle Bank was within the 100% and 300% guidelines as of December 31, 2020 and has established what it believes to be appropriate controls to monitor its lending in these areas as it aims to keep the level of these loans below the 100% and 300% thresholds. At December 31, 2020, Pinnacle Financial had granted loans and other extensions of credit amounting to approximately $10.7 million to current directors, executive officers, and their related interests, of which $6.8 million had been drawn upon. At December 31, 2019, Pinnacle Financial had granted loans and other extensions of credit amounting to approximately $10.6 million to directors, executive officers, and their related interests, of which approximately $6.8 million had been drawn upon. All loans to directors, executive officers, and their related entities were performing in accordance with contractual terms at December 31, 2020 and 2019. At December 31, 2020, Pinnacle Financial had approximately $31.2 million in commercial loans held for sale compared to $17.6 million at December 31, 2019, which primarily included commercial real estate and apartment loans originated for sale to a third-party as part of a multi-family loan program. Such loans are closed under a pass-through commitment structure wherein Pinnacle Bank's loan commitment to the borrower is the same as the third party's take-out commitment to Pinnacle Bank and the third party purchase typically occurs within thirty days of Pinnacle Bank closing with the borrowers. Residential Lending At December 31, 2020, Pinnacle Financial had approximately $67.8 million of mortgage loans held-for-sale compared to approximately $61.6 million at December 31, 2019. Total mortgage loan volumes sold during the year ended December 31, 2020 were approximately $1.8 billion compared to approximately $1.1 billion for the year ended December 31, 2019. During the year ended December 31, 2020, Pinnacle Finan

Premises and Equipment and Leas

Premises and Equipment and Lease Commitments	12 Months Ended
	Dec. 31, 2020
Premises and Equipment and Lease Commitments [Abstract]
Premises and Equipment and Lease Commitments	Note 6. Premises and Equipment and Lease Commitments Premises and equipment at December 31, 2020 and 2019 are summarized as follows (in thousands): Range of Useful Lives 2020 2019 Land Not applicable $ 70,140 $ 64,814 Buildings 15 years - 30 years 194,432 185,340 Leasehold improvements 15 years - 20 years 50,867 45,398 Furniture and equipment 3 years - 20 years 126,678 109,900 442,117 405,452 Less: accumulated depreciation and amortization 152,116 131,520 $ 290,001 $ 273,932 Depreciation and amortization expense was approximately $22.8 million, $22.1 million, and $21.5 million for the years ended December 31, 2020, 2019 and 2018, respectively. Pinnacle Financial has entered into various operating leases, primarily for office space and branch facilities. The leases are classified as operating or finance leases at commencement. Right-of-use assets representing the right to use the underlying asset and lease liabilities representing the obligation to make future lease payments are recognized on the balance sheet within other assets other liabilities Right-of-use assets and lease liabilities relating to Pinnacle Financial's operating and finance leases are as follows at December 31, 2020 and 2019 (in thousands): December 31, 2020 December 31, 2019 Right-of-use assets: Operating leases $ 83,647 $ 79,574 Finance leases 1,770 1,996 Total right-of-use assets $ 85,417 $ 81,570 Lease liabilities: Operating leases $ 87,737 $ 83,219 Finance leases 3,001 3,244 Total lease liabilities $ 90,738 $ 86,463 The total lease cost related to operating leases and short term leases is recognized on a straight-line basis over the lease term. For finance leases, right-of-use assets are amortized on a straight-line basis over the lease term and interest imputed on the lease liability is recognized using the effective interest method. The components of Pinnacle Financial's total lease cost were as follows for the years ended December 31, 2020 and 2019 (in thousands): For the years ended December 31, 2020 2019 Operating lease cost $ 13,963 $ 13,992 Short-term lease cost 354 295 Finance lease cost: Interest on lease liabilities 227 243 Amortization of right-of-use asset 226 226 Sublease income (1,324) (1,463) Net lease cost $ 13,446 $ 13,293 The weighted average remaining lease term and weighted average discount rate for operating and finance leases at December 31, 2020 and 2019 are as follows: December 31, 2020 December 31, 2019 Weighted average remaining lease term Operating leases 10.37 years 10.75 years Finance leases 7.84 years 8.84 years Weighted average discount rate Operating leases 2.91 % 3.07 % Finance leases 7.22 % 7.22 % Cash flows related to operating and finance leases during the year ended December 31, 2020 and 2019 were as follows (in thousands): For the years ended December 31, 2020 2019 Operating cash flows related to operating leases $ 13,494 $ 13,609 Operating cash flows related to finance leases $ 227 $ 243 Financing cash flows related to finance leases $ 243 $ 226 Future undiscounted lease payments for operating and finance leases with initial terms of more than 12 months are as follows at December 31, 2020 (in thousands): Operating Leases Finance Leases 2021 $ 13,607 $ 470 2022 12,413 470 2023 11,582 479 2024 11,506 527 2025 9,247 527 Thereafter 45,701 1,494 Total undiscounted lease payments 104,056 3,967 Less: imputed interest (16,319) (966) Net lease liabilities $ 87,737 $ 3,001

Deposits

Deposits	12 Months Ended
	Dec. 31, 2020
Interest-bearing Deposit Liabilities [Abstract]
Deposits	Note 7. Deposits At December 31, 2020, the scheduled maturities of time deposits are as follows (in thousands): 2021 $ 2,810,182 2022 563,181 2023 125,703 2024 11,666 2025 12,684 Thereafter 1,216 $ 3,524,632 At December 31, 2020 and 2019, approximately $808.3 million and $995.3 million, respectively, of time deposits had been issued in denominations of $250,000 or greater. At December 31, 2020 and 2019, Pinnacle Financial had $920,000 and $1.9 million, respectively, of deposit accounts in overdraft status that have been reclassified to loans on the accompanying consolidated balance sheets.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances	12 Months Ended
	Dec. 31, 2020
Advances from Federal Home Loan Banks [Abstract]
Federal Home Loan Bank Advances	Note 8. Federal Home Loan Bank Advances Pinnacle Bank is a member of the Federal Home Loan Bank of Cincinnati (FHLB) and as a result, is eligible for advances from the FHLB pursuant to the terms of various borrowing agreements, which assist Pinnacle Bank in the funding of its home mortgage and commercial real estate loan portfolios. Pinnacle Bank has pledged certain qualifying residential mortgage loans and, pursuant to a blanket lien, certain qualifying commercial mortgage loans with an aggregate carrying value of approximately $6.2 billion as collateral under the borrowing agreements with the FHLB. At December 31, 2020 and 2019, Pinnacle Bank had outstanding advances from the FHLB totaling approximately $1.1 billion and $2.1 billion, respectively. The scheduled maturities of FHLB advances at December 31, 2020 and interest rates are as follows (in thousands): Scheduled Maturities Weighted average interest rates 2021 $ 200,000 0.28 % 2022 — — % 2023 — — % 2024 — — % 2025 116,250 0.64 % Thereafter 775,013 2.15 % 1,091,263 Deferred costs (3,336) Total Federal Home Loan Bank advances $ 1,087,927 Weighted average interest rate 1.64 % At December 31, 2020, Pinnacle Bank had accommodations which allow it to borrow from the Federal Reserve Bank of Atlanta's discount window and purchase Federal funds from several of its correspondent banks on an overnight basis at prevailing overnight market rates. These accommodations are subject to various restrictions as to their term and availability, and in most cases, must be repaid within less than a month. At December 31, 2020, Pinnacle Bank had approximately $6.7 billion in borrowing availability with the FHLB, the Federal Reserve Bank discount window, and other correspondent banks with whom Pinnacle Bank has arranged lines of credit. At December 31, 2020, Pinnacle Bank was not carrying any balances with the Federal Reserve Bank discount window or correspondent banks under these arrangements.

Other borrowings

Other borrowings	12 Months Ended
	Dec. 31, 2020
Debt Instrument [Line Items]
Subordinated Borrowings Disclosure	Note 9. Other Borrowings Pinnacle Financial has twelve wholly-owned subsidiaries that are statutory business trusts created for the exclusive purpose of issuing 30-year capital trust preferred securities, and Pinnacle Financial and Pinnacle Bank have entered into certain other subordinated debt agreements. These instruments are outlined below as of December 31, 2020 (in thousands): Name Date Established Maturity Total Debt Outstanding Interest Rate at December 31, 2020 Coupon Structure Trust preferred securities Pinnacle Statutory Trust I December 29, 2003 December 30, 2033 $ 10,310 3.03 % 30-day LIBOR + 2.80% Pinnacle Statutory Trust II September 15, 2005 September 30, 2035 20,619 1.64 % 30-day LIBOR + 1.40% Pinnacle Statutory Trust III September 07, 2006 September 30, 2036 20,619 1.90 % 30-day LIBOR + 1.65% Pinnacle Statutory Trust IV October 31, 2007 September 30, 2037 30,928 3.07 % 30-day LIBOR + 2.85% BNC Capital Trust I April 03, 2003 April 15, 2033 5,155 3.49 % 30-day LIBOR + 3.25% BNC Capital Trust II March 11, 2004 April 07, 2034 6,186 3.09 % 30-day LIBOR + 2.85% BNC Capital Trust III September 23, 2004 September 23, 2034 5,155 2.64 % 30-day LIBOR + 2.40% BNC Capital Trust IV September 27, 2006 December 31, 2036 7,217 1.94 % 30-day LIBOR + 1.70% Valley Financial Trust I June 26, 2003 June 26, 2033 4,124 3.35 % 30-day LIBOR + 3.10% Valley Financial Trust II September 26, 2005 December 15, 2035 7,217 1.71 % 30-day LIBOR + 1.49% Valley Financial Trust III December 15, 2006 January 30, 2037 5,155 1.94 % 30-day LIBOR + 1.73% Southcoast Capital Trust III August 05, 2005 September 30, 2035 10,310 1.74 % 30-day LIBOR + 1.50% Subordinated Debt Pinnacle Bank Subordinated Notes July 30, 2015 July 30, 2025 60,000 3.34 % 3-month LIBOR + 3.128% Pinnacle Bank Subordinated Notes March 10, 2016 July 30, 2025 70,000 3.34 % 3-month LIBOR + 3.128% Pinnacle Financial Subordinated Notes November 16, 2016 November 16, 2026 120,000 5.25 % Fixed (1) Pinnacle Financial Subordinated Notes September 11, 2019 September 15, 2029 300,000 4.13 % Fixed (2) Debt issuance costs and fair value adjustment (12,420) Total subordinated debt and other borrowings $ 670,575 (1) Migrates to three (2) Migrates to three On April 22, 2020, Pinnacle Financial established a credit facility with the Federal Reserve Bank in conjunction with the SBA Paycheck Protection Program, with available borrowing capacity equal to the outstanding balance of PPP loans, which totaled approximately $1.8 billion at December 31, 2020. There are no amounts outstanding on this facility at December 31, 2020.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income Taxes	Note 10. Income Taxes Income tax expense attributable to continuing operations for each of the years ended December 31 is as follows (in thousands): 2020 2019 2018 Current tax expense : Federal $ 98,082 $ 77,422 $ 73,921 State 19,270 4,538 4,822 Total current tax expense 117,352 81,960 78,743 Deferred tax expense: Federal (45,450) 12,446 10,162 State (12,865) 2,250 1,603 Total deferred tax (benefit) expense (58,315) 14,696 11,765 Total income tax expense $ 59,037 $ 96,656 $ 90,508 Pinnacle Financial's income tax expense differs from the amounts computed by applying the Federal income tax statutory rate of 21% to income before income taxes. A reconciliation of the differences for each of the years in the three-year period ended December 31, 2020 is as follows (in thousands): 2020 2019 2018 Income tax expense at statutory rate $ 77,985 $ 104,483 $ 94,489 State excise tax expense, net of federal tax effect 5,059 5,363 5,076 Tax-exempt securities (13,706) (11,078) (7,222) Federal tax credits (3,717) (1,704) (845) Bank owned life insurance (4,759) (3,646) (2,764) Insurance premiums (272) (238) (112) Excess tax benefits associated with equity compensation (417) (1,011) (2,966) Other items (1,136) 4,487 4,852 Income tax expense $ 59,037 $ 96,656 $ 90,508 Pinnacle Financial's effective tax rate differs from the Federal income tax rates primarily due to a state excise tax expense, investments in bank-qualified municipal securities, tax benefits from Pinnacle Bank's real estate investment trust and municipal investment subsidiaries, and tax benefits associated with share-based compensation, bank owned life insurance, and Pinnacle Financial's captive insurance subsidiary, offset in part by the limitation on deductibility of meals and entertainment expense, non-deductible FDIC insurance premiums and non-deductible executive compensation. The components of deferred income taxes included in other assets in the accompanying consolidated balance sheets at December 31, 2020 and 2019 are as follows (in thousands): 2020 2019 Deferred tax assets: Allowance for credit losses $ 72,316 $ 23,051 Loans 14,694 20,808 Insurance 690 673 Accrued liability for supplemental retirement agreements 7,457 7,308 Restricted stock and stock options 9,181 10,515 Cash flow hedge — 1,373 Equity method investment 171 425 Lease liability 23,894 22,782 Other real estate owned 2,287 691 Net federal operating loss carryforward and credits 1,796 5,954 Annual incentive compensation 8,712 12,626 Partnership interests 25,225 — Allowance for off balance sheet credit exposures 6,069 618 Other deferred tax assets 2,559 2,501 Total deferred tax assets 175,051 109,325 Deferred tax liabilities: Depreciation and amortization 14,418 12,455 Core deposit and other intangible assets 11,077 13,253 Securities 34,373 8,287 Cash flow hedge 19,627 — REIT dividends 1,366 1,650 FHLB related liabilities 1,798 925 Right-of-use assets and other leasing transactions 22,232 21,169 Subordinated debt 1,920 2,050 Partnership interests — 3,534 Other deferred tax liabilities 1,630 1,875 Total deferred tax liabilities 108,441 65,198 Net deferred tax assets $ 66,610 $ 44,127 At December 31, 2020, the Company had federal and state loss and tax credit carryforwards resulting from acquisitions of approximately $8.4 million that expire at various dates from 2028 to 2034. ASC 740, Income Taxes , defines the threshold for recognizing the benefits of tax return positions in the financial statements as "more-likely-than-not" to be sustained by the taxing authority. This section also provides guidance on the derecognition, measurement and classification of income tax uncertainties, along with any related interest and penalties, and includes guidance concerning accounting for income tax uncertainties in interim periods. A reconciliation of the beginning and ending unrecognized tax benefit related to state uncertain tax positions is as follows (in thousands): 2020 2019 2018 Balance at January 1, $ 6,910 $ 5,083 $ 2,838 Increases due to tax positions taken during the current year 2,748 1,827 2,245 Increases due to tax positions taken during a prior year — — — Decreases due to the lapse of the statute of limitations during the current year — — — Decreases due to settlements with the taxing authorities during the current year — — — Balance at December 31, $ 9,658 $ 6,910 $ 5,083 Pinnacle Financial's policy is to recognize interest and/or penalties related to income tax matters in income tax expense. Pinnacle Financial recognized $571,000 in interest and penalties for the year ended December 31, 2020.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	Note 11. Commitments and Contingent Liabilities In the normal course of business, Pinnacle Financial has entered into off-balance sheet financial instruments which include commitments to extend credit (i.e., including unfunded lines of credit) and standby letters of credit. Commitments to extend credit are usually the result of lines of credit granted to existing borrowers under agreements that the total outstanding indebtedness will not exceed a specific amount during the term of the indebtedness. Typical borrowers are commercial concerns that use lines of credit to supplement their treasury management functions, thus their total outstanding indebtedness may fluctuate during any time period based on the seasonality of their business and the resultant timing of their cash flows. Other typical lines of credit are related to home equity loans granted to consumers. Commitments to extend credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. At December 31, 2020, these commitments amounted to $9.5 billion, of which approximately $1.2 billion related to home equity lines of credit. Standby letters of credit are generally issued on behalf of an applicant (customer) to a specifically named beneficiary and are the result of a particular business arrangement that exists between the applicant and the beneficiary. Standby letters of credit have fixed expiration dates and are usually for terms of two years or less unless terminated beforehand due to criteria specified in the standby letter of credit. A typical arrangement involves the applicant routinely being indebted to the beneficiary for such items as inventory purchases, insurance, utilities, lease guarantees or other third party commercial transactions. The standby letter of credit would permit the beneficiary to obtain payment from Pinnacle Financial under certain prescribed circumstances. Subsequently, Pinnacle Financial would then seek reimbursement from the applicant pursuant to the terms of the standby letter of credit. At December 31, 2020, these commitments amounted to $195.7 million. Pinnacle Financial follows the same credit policies and underwriting practices when making these commitments as it does for on-balance sheet instruments. Each customer's creditworthiness is evaluated on a case-by-case basis and the amount of collateral obtained, if any, is based on management's credit evaluation of the customer. Collateral held varies but may include cash, real estate and improvements, marketable securities, accounts receivable, inventory, equipment, and personal property. The contractual amounts of these commitments are not reflected in the consolidated financial statements and would only be reflected if drawn upon. Since many of the commitments are expected to expire without being drawn upon, the contractual amounts do not necessarily represent future cash requirements. However, should the commitments be drawn upon and should Pinnacle Bank's customers default on their resulting obligation to Pinnacle Bank, the maximum exposure to credit loss, without consideration of collateral, is represented by the contractual amount of those commitments. At December 31, 2020, Pinnacle Financial had accrued $23.2 million for expected credit losses associated with off balance sheet commitments. The adoption of ASU 2016-13 effective January 1, 2020, which introduced the CECL methodology for measuring credit losses, as discussed more fully in Note. 1 Summary of Significant Accounting Policies , increased the opening balance of our accrual for off-balance sheet commitments at adoption by $8.8 million. The remainder of the increase in off-balance sheet commitments in 2020 as compared to 2019 is largely attributable to the anticipated economic impact of the COVID-19 pandemic and its effect on Pinnacle Financial's CECL credit loss modeling for the year ended December 31, 2020. Various legal claims also arise from time to time in the normal course of business. In the opinion of management, the resolution of these routine claims outstanding at December 31, 2020 will not have a material impact on Pinnacle Financial's consolidated financial condition, operating results or cash flows.

Salary Deferral Plans

Salary Deferral Plans	12 Months Ended
	Dec. 31, 2020
Deferred Compensation Arrangements [Abstract]
Salary Deferral Plans	Note 12. Salary Deferral Plans Pinnacle Financial has a 401(k) retirement plan (the 401k Plan) covering all employees who elect to participate, subject to certain eligibility requirements. The 401(k) Plan allows employees to defer up to 50% of their salary subject to regulatory limitations with Pinnacle Financial matching 100% of the first 4% of employee self-directed contributions during 2020, 2019, and 2018. Pinnacle Financial's expense associated with the matching component of the plan for each of the years in the three-year period ended December 31, 2020 was approximately $9.4 million, $8.1 million and $7.6 million, respectively, and is included in the accompanying consolidated statements of operations in salaries and employee benefits expense.

Stock Options, Restricted Share

Stock Options, Restricted Shares and Restricted Share Units	12 Months Ended
	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
Stock Options and Restricted Shares and Restricted Share Units	Note 13. Stock Options and Restricted Shares Pinnacle Financial's 2018 Omnibus Incentive Plan (the "2018 Plan") permits Pinnacle Financial to reissue outstanding awards that are subsequently forfeited, settled in cash, withheld by Pinnacle Financial to cover withholding taxes or expire unexercised and returned to the 2018 Plan. At December 31, 2020, there were 800,554 shares available for issuance under the 2018 Plan. Upon the acquisition of CapitalMark, Pinnacle Financial assumed approximately 858,000 stock options under the CapitalMark Option Plan. No further shares remain available for issuance under the CapitalMark Option Plan. At December 31, 2020, all of the remaining options outstanding were granted under the CapitalMark Option Plan. Common Stock Options As of December 31, 2020, of the 101,769 stock options outstanding, approximately 46,010 options were granted with the intention to be incentive stock options qualifying under Section 422 of the Internal Revenue Code for favorable tax treatment to the option holder while approximately 55,759 options would be deemed non-qualified stock options and thus not subject to favorable tax treatment to the option holder. Favorable treatment generally refers to the recipient of the award not having to report ordinary income at the date of exercise assuming certain conditions are met. All stock options granted under the CapitalMark Plan were fully vested at the date of the CapitalMark merger. A summary of stock option activity within the equity incentive plans during each of the years in the three-year period ended December 31, 2020 and information regarding expected vesting, contractual terms remaining, intrinsic values and other matters was as follows: Number Weighted-Average Exercise Price Weighted-Average Contractual Remaining Term (in years) Aggregate Intrinsic Value (1) (000's) Outstanding at December 31, 2017 276,468 $ 21.40 Granted — — Stock options exercised (97,877) 18.91 Forfeited — — Outstanding at December 31, 2018 178,591 $ 22.77 Granted — — Stock options exercised (59,317) 21.40 Forfeited — — Outstanding at December 31, 2019 119,274 $ 23.45 Granted — — Stock options exercised (17,505) 23.40 Forfeited — — Outstanding at December 31, 2020 101,769 $ 23.46 1.86 $ 4,169 Options exercisable at December 31, 2020 101,769 $ 23.46 1.86 $ 4,169 (1) The aggregate intrinsic value is calculated as the difference between the exercise price of the underlying awards and the quoted price of Pinnacle Financial Common Stock of $64.40 per common share at December 31, 2020 for the 101,769 options that were in-the-money at December 31, 2020. During 2020, 2019 and 2018, the aggregate intrinsic value of stock options exercised under Pinnacle Financial's equity incentive plans was $350,000, $2.3 million and $2.7 million, respectively, determined as of the date of option exercise. There have been no options granted by Pinnacle Financial since 2008. All stock option awards granted by Pinnacle Financial were fully vested during 2013. Stock options granted under the CapitalMark Plan were fully vested at the time of acquisition. As such, there was no impact on the results of operations for stock-based compensation related to stock options for any year in the three-year period ended December 31, 2020, except for the tax impact recorded as a component of income tax expense upon exercise. Restricted Shares A summary of activity for unvested restricted share awards for the years ended December 31, 2020, 2019, and 2018 follows: Number Grant Date Weighted-Average Cost Unvested at December 31, 2017 936,135 $ 50.08 Shares awarded 180,450 62.40 Conversion of previously awarded performance share units to restricted share awards 6,200 67.85 Restrictions lapsed and shares released to associates/directors (400,820) 46.33 Shares forfeited (29,159) 59.51 Unvested at December 31, 2018 692,806 $ 55.19 Shares awarded 245,845 55.25 Restrictions lapsed and shares released to associates/directors (348,145) 40.47 Shares forfeited (35,210) 58.22 Unvested at December 31, 2019 555,296 $ 57.04 Shares awarded 284,904 55.91 Restrictions lapsed and shares released to associates/directors (215,846) 55.39 Shares forfeited (29,685) 59.64 Unvested at December 31, 2020 594,669 $ 56.97 Pinnacle Financial grants restricted share awards to associates (including certain members of executive management) and outside directors with time-based vesting criteria. The following tables outline restricted stock grants that were made by grant year, grouped by similar vesting criteria, during the three-year period ended December 31, 2020. The table below reflects the life-to-date activity for these awards: Grant Group (1) Vesting Shares Restrictions Lapsed and shares released to participants Shares Withheld Shares Forfeited by participants (5) Shares Unvested Time Based Awards 2018 Associates (2) 3 — 5 147,601 38,972 16,923 17,358 74,348 2018 Associates (2) (3) 3 — 5 16,777 8,683 1,948 942 5,204 2019 Associates (2) 3 — 5 229,296 30,287 12,016 22,543 164,450 2020 Associates (2) 3 — 5 266,379 3,034 1,342 7,573 254,430 Outside Director Awards (4) 2018 Outside directors 1 16,072 12,783 3,289 — — 2019 Outside directors 1 16,549 14,582 1,967 — — 2020 Outside directors 1 18,525 — — — 18,525 (1) Groups include employees (referred to as associates above) and outside directors. When the restricted shares are awarded, a participant receives voting rights and forfeitable dividend rights with respect to the shares, but is not able to transfer the shares until the restrictions have lapsed. Once the restrictions lapse, the participant is taxed on the value of the award and may elect to sell some shares (or have Pinnacle Financial withhold some shares) to pay the applicable income taxes associated with the award. Alternatively, the recipient can pay the withholding taxes in cash. For time-based vesting restricted share awards, dividends paid on shares for which the forfeiture restrictions do not lapse will be recouped by Pinnacle Financial at the time of termination. For awards to Pinnacle Financial's directors, dividends are placed into escrow until the forfeiture restrictions on such shares lapse. (2) The forfeiture restrictions on these restricted share awards lapse in equal annual installments on the anniversary date of the grant. (3) Restricted share awards issued to associates that were former associates of BNC and to Pinnacle Financial's Chairman of the Carolinas and Virginia pursuant to legacy BNC incentive plans assumed by Pinnacle Financial. (4) Restricted share awards are issued to the outside members of the board of directors in accordance with their board compensation plan. Restrictions on those awards granted in 2020 lapse on February 28, 2021 based on each individual board member meeting their attendance goals for the various board and board committee meetings to which each member was scheduled to attend. (5) These shares represent forfeitures resulting from recipients whose employment or board membership is terminated during each of the years in the three-year period ended December 31, 2020 or for which the performance criteria applicable to the award are not achieved. Any dividends paid on shares for which the forfeiture restrictions do not lapse will be recouped by Pinnacle Financial at the time of termination or will not be distributed from escrow, as applicable. Compensation expense associated with the time-based vesting restricted share awards is recognized over the time period that the restrictions associated with the awards lapse on a straight-line basis based on the total cost of the award. Performance-based Vesting Restricted Share Units The following table details the performance-based vesting restricted share unit awards (all of which are performance units) outstanding at December 31, 2020: Units Awarded Applicable Performance Periods associated with each tranche (fiscal year) Service period per tranche Subsequent Period in which units to be settled into shares of common stock (2) Grant year Named Executive Officers (NEOs) (1) Leadership Team other than NEOs 2020 136,137 — 204,220 59,648 2020 2 3 2025 2021 2 2 2025 2022 2 1 2025 2019 166,211 — 249,343 52,244 2019 2 3 2024 2020 2 2 2024 2021 2 1 2024 2018 96,878 — 145,339 25,990 2018 2 3 2023 2019 2 2 2023 2020 2 1 2023 2017 72,537 — 109,339 24,916 2017 2 3 2022 2018 2 2 2022 2019 2 1 2022 2016 73,474 — 110,223 26,683 2016 2 3 2021 2017 2 2 2021 2018 2 1 2021 (1) The named executive officers are awarded a range of awards that may be earned based on attainment of goals at a target level of performance to a maximum level of performance. (2) Restricted share unit awards, if earned, will be settled in shares of Pinnacle Financial Common Stock in the periods noted in the table, if Pinnacle Bank's ratio of non-performing assets to its loans plus OREO is less than amounts established in the applicable award agreement. During the years ended December 31, 2020 and 2018, the restrictions associated with 129,723 performance-based vesting restricted stock unit awards and 6,200 performance-based restricted stock unit awards, respectively, granted in prior years lapsed, based on the terms of the applicable award agreement and approval by Pinnacle Financial's Human Resources and Compensation Committee, and were settled into shares of Pinnacle Financial common stock with 43,996 shares and 1,860 shares, respectively, being withheld to pay the taxes associated with the settlement of those shares. A summary of stock compensation expense, net of the impact of income taxes, related to restricted share awards and perfomance-based vesting restricted share unit awards for the three-year period ended December 31, 2020, follows (in thousands): 2020 2019 2018 Restricted stock expense $ 18,737 $ 21,226 $ 17,636 Income tax benefit 4,898 5,548 4,610 Restricted stock expense, net of income tax benefit $ 13,839 $ 15,678 $ 13,026

Derivative Instruments

Derivative Instruments	12 Months Ended
	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	Note 14. Derivative Instruments Financial derivatives are reported at fair value in other assets or other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. For derivatives not designated as hedges, the gain or loss is recognized in current earnings. Non-hedge derivatives For derivatives not designated as hedges, the gain or loss is recognized in current period earnings. Pinnacle Financial enters into interest rate swaps (swaps) to facilitate customer transactions and meet their financing needs. Upon entering into these instruments to meet customer needs, Pinnacle Financial enters into offsetting positions in order to minimize the risk to Pinnacle Financial. These swaps qualify as derivatives, but are not designated as hedging instruments. The income statement impact of the offsetting positions is limited to changes in the reserve for counterparty credit risk. A summary of Pinnacle Financial's interest rate swaps to facilitate customer transactions as of December 31, 2020 and 2019 is included in the following table (in thousands): December 31, 2020 December 31, 2019 Notional Estimated Fair Value Notional Amount Estimated Fair Value Interest rate swap agreements: Assets $ 1,565,916 $ 101,602 $ 1,296,389 $ 43,507 Liabilities 1,565,916 (102,919) 1,296,389 (43,715) Total $ 3,131,832 $ (1,317) $ 2,592,778 $ (208) Amount of Gain (Loss) Recognized in Income Location of Gain (Loss) Recognized in Income Year ended December 31, 2020 2019 2018 Interest rate swap agreements Other noninterest income $ (1,109) $ (80) $ (33) Derivatives designated as cash flow hedges For derivative instruments that are designated and qualify as a cash flow hedge, the aggregate fair value of the derivative instrument is recorded in other assets or other liabilities with any gain or loss related to changes in fair value recorded in accumulated other comprehensive income, net of tax. The gain or loss is reclassified into earnings in the same period during which the hedged asset or liability affects earnings and is presented in the same income statement line item as the earnings effect of the hedged asset or liability. Pinnacle Financial uses forward cash flow hedge relationships in an effort to manage future interest rate exposure. The hedging strategy converts the LIBOR-based variable interest rate on forecasted borrowings to a fixed interest rate and is used in an effort to protect Pinnacle Financial from floating interest rate variability. A summary of Pinnacle Financial's cash flow hedge relationships as of December 31, 2020 and 2019 are as follows (in thousands): December 31, 2020 December 31, 2019 Balance Sheet Location Weighted Average Remaining Maturity (In Years) Weighted Average Pay Rate Receive Rate Notional Estimated Notional Estimated Asset derivatives Interest rate floor - loans Other assets 3.93 —% 2.25% minus 1 month LIBOR $ 1,500,000 $ 124,585 $ 2,800,000 $ 87,422 Liability derivatives Interest rate swaps - borrowings Other liabilities — —% N/A $ — $ — $ 99,000 $ (3,312) The effects of Pinnacle Financial's cash flow hedge relationships on the statement of comprehensive income (loss) during the years ended December 31, 2020, 2019 and 2018 were as follows (in thousands): Amount of Gain (Loss) Recognized in Other Comprehensive Income Years ended December 31, 2020 2019 2018 Asset derivatives Interest rate floor - loans $ 62,979 $ (1,432) $ — Liability derivatives Interest rate swaps - borrowings $ 2,447 $ (1,149) $ 2,660 $ 65,426 $ (2,581) $ 2,660 The cash flow hedges were determined to be highly effective during the periods presented and as a result qualify for hedge accounting treatment. If a hedge was deemed to be ineffective, the amount included in accumulated other comprehensive (loss) income would be reclassified into a line item within the statement of income that impacts operating results. The hedge would no longer be considered effective if a portion of the hedge becomes ineffective, the item hedged is no longer in existence or Pinnacle Financial discontinues hedge accounting. Pinnacle Financial expects the hedges to continue to be highly effective and qualify for hedge accounting during the remaining terms of the swaps. Losses on cash flow hedges totaling $5.5 million and $1.6 million, net of tax, were reclassified from other comprehensive income (loss) into net income during the years ended December 31, 2020 and 2019, respectively. Gains on cash flow hedges totaling $657,000, net of tax, were reclassified from accumulated other comprehensive income (loss) into net income during the year ended December 31, 2018. During the first quarter of 2020, loan interest rate floors entered into in the second quarter of 2019 with a notional amount totaling $1.3 billion and unrealized gains totaling $16.5 million were terminated. These unrealized gains are being amortized into net income on a straight line basis through October 2021. Approximately $6.6 million in unrealized gains, net of tax, are expected to be reclassified from accumulated other comprehensive income (loss) into net income over the next twelve months. On December 16, 2020, cash flow swaps with a notional amount of $99.0 million were terminated resulting in the reclassification of $4.7 million of unrealized losses out of other comprehensive income (loss) into net income. Derivatives designated as fair value hedges For derivative instruments that are designated and qualify as a fair value hedge, the gain or loss on the derivative instrument as well as the offsetting loss or gain on the hedged asset or liability attributable to the hedged risk are recognized in current earnings. The gain or loss on the derivative instrument is presented on the same income statement line item as the earnings effect of the hedged item. Pinnacle Financial utilizes interest rate swaps designated as fair value hedges to mitigate the effect of changing interest rates on the fair values of fixed rate callable securities available-for-sale. The hedging strategy on securities converts the fixed interest rates to LIBOR-based variable interest rates. These derivatives are designated as partial term hedges of selected cash flows covering specified periods of time prior to the call dates of the hedged securities. A summary of Pinnacle Financial's fair value hedge relationships as of December 31, 2020 and 2019 are as follows (in thousands): December 31, 2020 December 31, 2019 Balance Sheet Location Weighted Average Remaining Maturity (In Years) Weighted Average Pay Rate Receive Rate Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value Asset derivatives Interest rate swap agreements - securities Other assets 8.59 0.58% Federal funds $ 231,421 $ 4,696 $ — $ — Liability derivatives Interest rate swap agreements - securities Other liabilities 6.04 3.08% 3 month LIBOR 477,510 (72,010) 477,905 (40,778) $ 708,931 $ (67,314) $ 477,905 $ (40,778) The effects of Pinnacle Financial's fair value hedge relationships on the income statement during the years end December 31, 2020, 2019 and 2018 were as follows (in thousands): Location of Gain Amount of Gain Recognized in Income Year ended December 31, Liability derivatives 2020 2019 2018 Interest rate swap agreements - securities Interest income on securities $ (26,536) $ (25,982) $ (14,796) Interest rate swap agreements - loans Interest income on loans $ — $ (6,915) $ (7,037) Location of Loss Amount of Loss Recognized in Income Years ended December 31, Liability derivatives 2020 2019 2018 Interest rate swap agreements - securities Interest income on securities $ 26,536 $ 25,982 $ 14,796 Interest rate swap agreements - loans Interest income on loans $ — $ 6,915 $ 7,037 The following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges at December 31, 2020 and 2019 (in thousands): Carrying Amount of the Hedged Assets Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets December 31, 2020 December 31, 2019 December 31, 2020 December 31, 2019 Line item on the balance sheet Securities available-for-sale $ 841,543 $ 551,789 $ 67,314 $ 40,778 During the year ended December 31, 2019, a fair value hedging relationship on loans was unwound resulting in a swap termination payment to the counterparty of approximately $14.0 million. The corresponding loan fair value hedging adjustment as of the date of termination is being amortized over the remaining lives of the designated loans. During the years ended December 31, 2020 and 2019 amortization expense totaling $4.3 million and $2.7 million, respectively, related to these previously terminated fair value hedges was recognized as a reduction to interest income on loans.

Related Party Matters

Related Party Matters	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
Related Party Transactions Disclosure [Text Block]	Note 16. Related Party Transactions See Note 5 - "Loans and Allowance for Credit Losses", concerning loans and other extensions of credit to certain directors, officers, and their related entities and individuals, Note 12 – "Salary Deferral Plans" regarding supplemental retirement agreement obligations to certain directors who were formerly directors or employees of acquired banks and Note 2 - "Equity Method Investment" regarding related parties associated with the investment.

Employee Contracts

Employee Contracts	12 Months Ended
	Dec. 31, 2020
Compensation Related Costs [Abstract]
Employment Contracts	Note 15.  Employment ContractsPinnacle Financial has entered into, and subsequently amended employment agreements with five of its senior executives: the President and Chief Executive Officer, the Chairman of the Board, the Chairman of the Carolinas and Virginia, the Chief Administrative Officer and the Chief Financial Officer. These agreements, as amended, automatically renew each year on January 1 for an additional year unless any of the parties to the agreements gives notice of intent not to renew the agreement prior to November 30th of the preceding year, in which case the agreement terminates 30 days later. The agreements specify that in certain defined "Terminating Events," Pinnacle Financial will be obligated to pay each of the five senior executives certain amounts, which vary according to the Terminating Event, which is based on their annual salaries and bonuses. These Terminating Events include termination for disability, cause, without cause and other events. The agreement with the Chairman of the Carolinas and Virginia also provides for the payment of certain deferred benefits under his prior employment agreement with BNC upon termination of his employment with Pinnacle Financial.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Note 17. Fair Value of Financial Instruments FASB ASC 820, Fair Value Measurements and Disclosures , defines fair value, establishes a framework for measuring fair value in U.S. GAAP and expands disclosures about fair value measurements. The definition of fair value focuses on the exit price, i.e., the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, not the entry price, i.e., the price that would be paid to acquire the asset or received to assume the liability at the measurement date. The statement emphasizes that fair value is a market-based measurement; not an entity-specific measurement. Therefore, the fair value measurement should be determined based on the assumptions that market participants would use in pricing the asset or liability. Valuation Hierarchy FASB ASC 820 establishes a three-level valuation hierarchy for disclosure of fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: • Level 1 – inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. • Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. • Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. A financial instrument's categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The following is a description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such assets and liabilities pursuant to the valuation hierarchy. Assets Securities available-for-sale – Where quoted prices are available for identical securities in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government securities and certain other financial products. If quoted market prices are not available, then fair values are estimated by using pricing models that use observable inputs or quoted prices of securities with similar characteristics and are classified within Level 2 of the valuation hierarchy. In certain cases where there is limited activity or less transparency around inputs to the valuation and more complex pricing models or discounted cash flows are used, securities are classified within Level 3 of the valuation hierarchy. Other investments – Included in other investments are investments recorded at fair value primarily in certain nonpublic investments and funds. The valuation of these nonpublic investments requires management judgment due to the absence of observable quoted market prices, inherent lack of liquidity and the long-term nature of such assets. These investments are valued initially based upon transaction price. The carrying values of other investments are adjusted either upwards or downwards from the transaction price to reflect expected exit values as evidenced by financing and sale transactions with third parties, or when determination of a valuation adjustment is confirmed through ongoing reviews by senior investment managers. A variety of factors are reviewed and monitored to assess positive and negative changes in valuation including, but not limited to, current operating performance and future expectations of the particular investment, industry valuations of comparable public companies and changes in market outlook and the third-party financing environment over time. In determining valuation adjustments resulting from the investment review process, emphasis is placed on current company performance and market conditions. These investments are included in Level 3 of the valuation hierarchy if the entities and funds are not widely traded and the underlying investments are in privately-held and/or start-up companies for which market values are not readily available. Certain investments in funds for which the underlying assets of the fund represent publicly traded investments are included in Level 2 of the valuation hierarchy. Other assets – Included in other assets are certain assets carried at fair value, including interest rate swap agreements to facilitate customer transactions, interest rate floors designated as cash flow hedges and interest rate locks associated with the mortgage loan pipeline. The carrying amount of interest rate swap agreements is based on Pinnacle Financial's pricing models that utilize observable market inputs. The fair value of the cash flow hedge agreements is determined by calculating the difference between the discounted fixed rate cash flows and the discounted variable rate cash flows. The fair value of the mortgage loan pipeline rate locks is based upon the projected sales price of the underlying loans, taking into account market interest rates and other market factors at the measurement date, net of the projected fallout rate. Pinnacle Financial reflects these assets within Level 2 of the valuation hierarchy as these assets are valued using similar transactions that occur in the market. Collateral dependent loans – Collateral dependent loans are measured at the fair value of the collateral securing the loan less estimated selling costs. The fair value of real estate collateral is determined based on real estate appraisals which are generally based on recent sales of comparable properties which are then adjusted for property specific factors. Non-real estate collateral is valued based on various sources, including third party asset valuations and internally determined values based on cost adjusted for depreciation and other judgmentally determined discount factors. Collateral dependent loans are classified within Level 3 of the hierarchy due to the unobservable inputs used in determining their fair value such as collateral values and the borrower's underlying financial condition. Other real estate owned – Other real estate owned (OREO) represents real estate foreclosed upon by Pinnacle Bank through loan defaults by customers or acquired by deed in lieu of foreclosure. A significant portion of these amounts relate to lots, homes and development projects that are either completed or are in various stages of construction for which Pinnacle Financial believes it has adequate collateral. Upon foreclosure, the property is recorded at the lower of cost or fair value, based on appraised value, less selling costs estimated as of the date acquired with any loss recognized as a charge-off through the allowance for credit losses. Additional OREO losses for subsequent valuation downward adjustments are determined on a specific property basis and are included as a component of noninterest expense along with holding costs. Any gains or losses realized at the time of disposal are also reflected in noninterest expense, as applicable. OREO is included in Level 3 of the valuation hierarchy due to the lack of observable market inputs into the determination of fair value as appraisal values are property-specific and sensitive to the changes in the overall economic environment. Liabilities Other liabilities – Pinnacle Financial has certain liabilities carried at fair value including certain interest rate swap agreements to facilitate customer transactions and the cash flow hedge and interest rate locks associated with the funding for its mortgage loan originations. The fair value of these liabilities is based on Pinnacle Financial's pricing models that utilize observable market inputs and is reflected within Level 2 of the valuation hierarchy. The following tables present the financial instruments carried at fair value on a recurring basis as of December 31, 2020 and 2019, by caption on the consolidated balance sheets and by FASB ASC 820 valuation hierarchy (as described above) (in thousands): Total carrying value in the consolidated balance sheet Quoted market prices in an active market Models with significant observable market parameters Models with significant unobservable market parameters December 31, 2020 Investment securities available-for-sale: U.S. treasury securities $ 82,209 $ — $ 82,209 $ — U.S. government agency securities 76,403 — 76,403 — Mortgage-backed securities 1,689,191 — 1,689,191 — State and municipal securities 1,443,363 — 1,427,866 15,497 Asset-backed securities 177,936 — 177,936 — Corporate notes and other 117,579 — 117,579 — Total investment securities available-for-sale 3,586,681 — 3,571,184 15,497 Other investments 73,395 — 25,636 47,759 Other assets 242,470 — 242,470 — Total assets at fair value $ 3,902,546 $ — $ 3,839,290 $ 63,256 Other liabilities $ 177,025 $ — $ 177,025 $ — Total liabilities at fair value $ 177,025 $ — $ 177,025 $ — December 31, 2019 Investment securities available-for-sale: U.S. treasury securities $ 72,867 $ — $ 72,867 $ — U.S. government agency securities 79,692 — 79,692 — Mortgage-backed securities 1,463,907 — 1,463,907 — State and municipal securities 1,714,453 — 1,698,550 15,903 Asset-backed securities 152,972 — 152,972 — Corporate notes and other 56,104 — 56,104 — Total investment securities available-for-sale 3,539,995 — 3,524,092 15,903 Other investments 63,291 — 25,135 38,156 Other assets 134,040 — 134,040 — Total assets at fair value $ 3,737,326 $ — $ 3,683,267 $ 54,059 Other liabilities $ 87,613 $ — $ 87,613 $ — Total liabilities at fair value $ 87,613 $ — $ 87,613 $ — The following table presents assets measured at fair value on a nonrecurring basis as of December 31, 2020 and 2019 (in thousands): December 31, 2020 Total carrying value in the consolidated balance sheet Quoted market prices in an active market Models with significant observable market parameters Models with significant unobservable market Other real estate owned $ 12,360 $ — $ — $ 12,360 Collateral dependent loans (1) 43,795 — — 43,795 Total $ 56,155 $ — $ — $ 56,155 December 31, 2019 Other real estate owned $ 29,487 $ — $ — $ 29,487 Impaired loans, net (1) 32,477 — — 32,477 Total $ 61,964 $ — $ — $ 61,964 (1) The carrying value of collateral dependent loans at December 31, 2020 is net of a valuation allowance of $3.5 million, and the carrying value of impaired loans at December 31, 2019 is net of a valuation allowance of $3.3 million. In the case of the investment securities portfolio, Pinnacle Financial monitors the portfolio to ascertain when transfers between levels have been affected. The nature of the remaining assets and liabilities is such that transfers in and out of any level are expected to be rare. For the year ended December 31, 2020, there were no transfers between Levels 1, 2 or 3. The table below includes a rollforward of the balance sheet amounts for the years ended December 31, 2020 and December 31, 2019, (including the change in fair value) for financial instruments classified by Pinnacle Financial within Level 3 of the valuation hierarchy measured at fair value on a recurring basis including changes in fair value due in part to observable factors that are part of the valuation methodology (in thousands): For the year ended December 31, 2020 2019 Available-for-sale Securities Other Other Available-for-sale Securities Other Other Fair value, Jan. 1 $ 15,903 $ 38,156 $ — $ 14,595 $ 26,422 $ — Total net realized gains (losses) included in income 110 1,067 — 116 2,785 — Change in unrealized gains/losses included in other comprehensive income for assets and liabilities still held at Dec. 31 627 — — 2,710 — — Purchases — 11,663 — — 11,297 — Issuances — — — — — — Settlements (1,143) (3,127) — (1,518) (2,348) — Transfers out of Level 3 — — — — — — Fair value, Dec. 31 $ 15,497 $ 47,759 $ — $ 15,903 $ 38,156 $ — Total realized gains (losses) included in income related to financial assets and liabilities still on the consolidated balance sheet at Dec. 31 $ 110 $ 1,067 $ — $ 116 $ 2,785 $ — The following table presents the carrying amounts, estimated fair value and placement in the fair value hierarchy of Pinnacle Financial's financial instruments at December 31, 2020 and 2019. This table excludes financial instruments for which the carrying amount approximates fair value. For short-term financial assets such as cash, cash equivalents, and restricted cash, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For financial liabilities such as non-interest bearing demand, interest-bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity (in thousands). December 31, 2020 Carrying/ Estimated Fair Value (1) Quoted market prices in an active market Models with significant observable market parameters Models with significant unobservable market Financial assets: Securities held-to-maturity $ 1,028,359 $ 1,066,531 $ — $ 1,066,531 $ — Loans, net 22,139,451 22,407,546 — — 22,407,546 Consumer loans held-for-sale 87,821 89,625 — 89,625 — Commercial loans held-for-sale 31,200 31,841 — 31,841 — Financial liabilities: Deposits and securities sold under agreements to repurchase 27,833,739 26,929,142 — — 26,929,142 Federal Home Loan Bank advances 1,087,927 1,189,035 — — 1,189,035 Subordinated debt and other borrowings 670,575 677,521 — — 677,521 Off-balance sheet instruments: Commitments to extend credit (2) 9,692,607 24,887 — — 24,887 December 31, 2019 Financial assets: Securities held-to-maturity $ 188,996 $ 201,217 $ — $ 201,217 $ — Loans, net 19,693,099 19,171,845 — — 19,717,845 Consumer loans held-for-sale 81,820 82,986 — 82,986 — Commercial loans held-for-sale 17,585 17,836 — 17,836 — Financial liabilities: Deposits and securities sold under agreements to repurchase 20,307,382 19,647,392 — — 19,647,392 Federal Home Loan Bank advances 2,062,534 2,078,514 — — 2,078,514 Subordinated debt and other borrowings 749,080 712,220 — — 712,220 Off-balance sheet instruments: Commitments to extend credit (2) 8,141,920 3,786 — — 3,786 (1) Estimated fair values are consistent with an exit-price concept. The assumptions used to estimate the fair values are intended to approximate those that a market-participant would realize in a hypothetical orderly transaction. (2) At the end of each period, Pinnacle Financial evaluates the inherent risks of the outstanding off-balance sheet commitments, including both commitments for unfunded loans and standby letters of credit. In making this evaluation, Pinnacle Financial utilizes credit loss expectations on funded loans from our allowance for credit losses methodology and evaluates the probability that the outstanding commitment will eventually become a funded loan .

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2020
Variable Interest Entities [Abstract]
Variable Interest Entities	Note 18. Variable Interest Entities Under ASC 810, Pinnacle Financial is deemed to be the primary beneficiary and required to consolidate a variable interest entity (VIE) if it has a variable interest in the VIE that provides it with a controlling financial interest. For such purposes, the determination of whether a controlling financial interest exists is based on whether a single party has both the power to direct the activities of the VIE that most significantly impact the VIE's economic performance and the obligation to absorb losses of the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE. ASC 810 requires continual reconsideration of conclusions reached regarding which interest holder is a VIE's primary beneficiary and disclosures surrounding those VIE's which have not been consolidated. The consolidation methodology provided in this footnote as of December 31, 2020 and 2019 has been prepared in accordance with ASC 810. Non-consolidated Variable Interest Entities At December 31, 2020, Pinnacle Financial did not have any consolidated VIEs to disclose but did have the following non-consolidated VIEs: low income housing partnerships, trust preferred issuances, commercial loan TDRs, and managed discretionary trusts. Since 2003, Pinnacle Financial has made equity investments as a limited partner in various partnerships that sponsor affordable housing projects. The purpose of these investments is to achieve a satisfactory return on capital and to support Pinnacle Financial's community reinvestment initiatives. The activities of the limited partnerships include the identification, development, and operation of multi-family housing that is leased to qualifying residential tenants generally within Pinnacle Financial's primary geographic region. Pinnacle Financial has invested in various limited partnerships that sponsor affordable housing projects utilizing the Low Income Housing Tax Credit (“LIHTC”) pursuant to Section 42 of the Internal Revenue Code. The purpose of these investments is to assist Pinnacle Bank in achieving its strategic plan associated with the Community Reinvestment Act and to achieve a satisfactory return on capital. The primary activities of the limited partnerships include the identification, development, and operation of multi-family housing that is leased to qualifying residential tenants. Generally, these types of investments are funded through a combination of debt and equity. Pinnacle Financial is a limited partner in each LIHTC limited partnership. Each limited partnership is managed by an unrelated third party general partner who exercises full control over the affairs of the limited partnership. The general partner has all the rights, powers and authority granted or permitted to be granted to a general partner of a limited partnership. Except for limited rights granted to the limited partner(s), the limited partner(s) may not participate in the operation, management, or control of the limited partnership’s business, transact any business in the limited partnership’s name or have any power to sign documents for or otherwise bind the limited partnership. In addition, the general partner may only be removed by the limited partner(s) in the event the general partner fails to comply with the terms of the agreement or is negligent in performing its duties. The partnerships related to affordable housing projects are considered VIEs because Pinnacle Financial, as the holder of the equity investment at risk, does not have the ability to direct the activities that most significantly affect the success of the entity through voting rights or similar rights. While Pinnacle Financial could absorb losses that are significant to these partnerships as it has a risk of loss for its initial capital contributions and funding commitments to each partnership, it is not considered the primary beneficiary of the partnerships as the general partners whose managerial functions give them the power to direct the activities that most significantly impact the partnerships' economic performance and who are exposed to all losses beyond Pinnacle Financial's initial capital contributions and funding commitments are considered the primary beneficiaries. Pinnacle Financial (or companies it has acquired) has previously issued subordinated debt totaling $133.0 million to certain statutory trusts which are considered VIEs because Pinnacle Financial's capital contributions to these trusts are not considered "at risk" in evaluating whether the holders of the equity investments at risk in the trusts have the power through voting rights or similar rights to direct the activities that most significantly impact the entities' economic performance. These trusts were not consolidated by Pinnacle Financial because the holders of the securities issued by the trusts absorb a majority of expected losses and residual returns. For certain troubled commercial loans, Pinnacle Financial restructures the terms of the borrower's debt in an effort to increase the probability of receipt of amounts contractually due. However, Pinnacle Financial does not assume decision-making power or responsibility over the borrower's operations. Following a debt restructuring, the borrowing entity typically meets the definition of a VIE as the initial determination of whether the entity is a VIE must be reconsidered and economic events have proven that the entity's equity is not sufficient to permit it to finance its activities without additional subordinated financial support or a restructuring of the terms of its financing. As Pinnacle Financial does not have the power to direct the activities that most significantly impact such troubled commercial borrowers' operations, it is not considered the primary beneficiary even in situations where, based on the size of the financing provided, Pinnacle Financial is exposed to potentially significant benefits and losses of the borrowing entity. Pinnacle Financial has no contractual requirements to provide financial support to the borrowing entities beyond certain funding commitments established upon restructuring of the terms of the debt to allow for completion of activities which prepare the collateral related to the debt for sale. Pinnacle Financial serves as manager over certain discretionary trusts, for which it makes investment decisions on behalf of the trusts' beneficiaries in return for a management fee. The trusts meet the definition of a VIE since the holders of the equity investments at risk do not have the power through voting rights or similar rights to direct the activities that most significantly impact the entities' economic performance. However, since the management fees Pinnacle Financial receives are not considered variable interests in the trusts as all of the requirements related to permitted levels of decision maker fees are met, such VIEs are not consolidated by Pinnacle Financial because it cannot be the trusts' primary beneficiary. Pinnacle Financial has no contractual requirements to provide financial support to the trusts. The following table summarizes VIE's that are not consolidated by Pinnacle Financial as of December 31, 2020 and 2019 (in thousands): December 31, 2020 December 31, 2019 Type Maximum Liability Maximum Liability Classification Low Income Housing Partnerships $ 143,190 $ — $ 100,885 $ — Other Assets Trust Preferred Issuances N/A 132,995 N/A 132,995 Subordinated Debt Commercial Troubled Debt Restructurings 180 — 828 — Loans Managed Discretionary Trusts N/A N/A N/A N/A N/A

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2020
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Matters	Note 19. Regulatory Matters Pursuant to Tennessee banking law, Pinnacle Bank may not, without the prior consent of the Commissioner of the Tennessee Department of Financial Institutions (TDFI), pay any dividends to Pinnacle Financial in a calendar year in excess of the total of Pinnacle Bank's retained net income for that year plus the retained net income for the preceding two In addition, the Federal Reserve has issued supervisory guidance advising bank holding companies to eliminate, defer or reduce dividends paid on common stock and other forms of Tier 1 capital where the company’s net income available to shareholders for the past four quarters, net of dividends previously paid during that period, is not sufficient to fully fund the dividends, the company’s prospective rate of earnings retention is not consistent with the company’s capital needs and overall current and prospective financial condition or the company will not meet, or is in danger of not meeting, minimum regulatory capital adequacy ratios. Recent supplements to this guidance reiterate the need for bank holding companies to inform their applicable reserve bank sufficiently in advance of the proposed payment of a dividend in certain circumstances. During the year ended December 31, 2020, Pinnacle Bank paid $119.1 million in dividends to Pinnacle Financial. As of December 31, 2020, Pinnacle Bank could pay approximately $788.3 million of additional dividends to Pinnacle Financial without prior approval of the Commissioner of the TDFI. Since the fourth quarter of 2013, Pinnacle Financial has paid a quarterly common stock dividend. The board of directors of Pinnacle Financial has increased the dividend amount per share over time. The most recent increase occurred on January 19, 2021, when the board of directors increased the dividend to $0.18 per share from $0.16 per share. During the second quarter of 2020, the firm successfully issued 9.0 million depositary shares, each representing a 1/40th fractional interest in a share of Series B noncumulative, perpetual preferred stock (the "Series B Preferred Stock") in a registered public offering to both retail and institutional investors. Beginning in the third quarter of 2020, Pinnacle Financial began paying a quarterly dividend of $16.88 per share (or $0.422 per depositary share), on the Series B Preferred Stock. The amount and timing of all future dividend payments by Pinnacle Financial, if any, including dividends on Pinnacle Financial's Series B Preferred Stock from Pinnacle Bank, is subject to discretion of Pinnacle Financial's board of directors and will depend on Pinnacle Financial's receipt of dividends, earnings, capital position, financial condition and other factors, including regulatory capital requirements, as they become known to Pinnacle Financial and receipt of any regulatory approvals that may become required as a result of each of Pinnacle Financial's or Pinnacle Bank's financial results. Pinnacle Financial and Pinnacle Bank are subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary actions, by regulators that, if undertaken, could have a direct material effect on the financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Pinnacle Financial and Pinnacle Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. Pinnacle Financial's and Pinnacle Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require Pinnacle Financial and its banking subsidiary to maintain minimum amounts and ratios of common equity Tier 1 capital to risk-weighted assets, Tier 1 capital to risk-weighted assets, total capital to risk-weighted assets and of Tier 1 capital to average assets. As permitted by the interim final rule issued on March 27, 2020 by the federal banking regulatory agencies, each of Pinnacle Bank and Pinnacle Financial has elected the option to delay the estimated impact on regulatory capital of Pinnacle Financial's and Pinnacle Bank's adoption of ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”, which was effective January 1, 2020. The initial impact of adoption of ASU 2016-13, as well as 25% of the quarterly increases in the allowance for credit losses subsequent to adoption of ASU 2016-13 (collectively the “transition adjustments”), will be delayed for two years. After two years, the cumulative amount of the transition adjustments will become fixed and will be phased out of the regulatory capital calculations evenly over a three year period, with 75% recognized in year three, 50% recognized in year four, and 25% recognized in year five. After five years, the temporary regulatory capital benefits will be fully reversed. Management believes, as of December 31, 2020, that Pinnacle Financial and Pinnacle Bank met all capital adequacy requirements to which they are subject. To be categorized as well-capitalized under applicable banking regulations, Pinnacle Financial and Pinnacle Bank must maintain certain total, Tier 1, common equity Tier 1 and Tier 1 leverage capital ratios as set forth in the following table and not be subject to a written agreement, order or directive to maintain a higher capital level. The capital conservation buffer is not included in the required ratios of the table presented below. Pinnacle Financial's and Pinnacle Bank's actual capital amounts and ratios are presented in the following table (in thousands): Actual Minimum Capital Minimum Amount Ratio Amount Ratio Amount Ratio December 31, 2020 Total capital to risk weighted assets: Pinnacle Financial $ 3,678,405 14.3 % $ 2,063,352 8.0 % $ 2,579,190 10.0 % Pinnacle Bank $ 3,259,538 12.7 % $ 2,055,892 8.0 % $ 2,569,865 10.0 % Tier 1 capital to risk weighted assets: Pinnacle Financial $ 2,803,541 10.9 % $ 1,547,514 6.0 % $ 2,063,352 8.0 % Pinnacle Bank $ 2,933,674 11.4 % $ 1,541,919 6.0 % $ 2,055,892 8.0 % Common equity Tier 1 capital: Pinnacle Financial $ 2,586,292 10.0 % $ 1,160,635 4.5 % N/A N/A Pinnacle Bank $ 2,933,551 11.4 % $ 1,156,439 4.5 % $ 1,670,412 6.5 % Tier 1 capital to average assets (*): Pinnacle Financial $ 2,803,541 8.6 % $ 1,298,756 4.0 % N/A N/A Pinnacle Bank $ 2,933,674 9.1 % $ 1,294,033 4.0 % $ 1,617,541 5.0 % Actual Minimum Capital Minimum Amount Ratio Amount Ratio Amount Ratio December 31, 2019 Total capital to risk weighted assets: Pinnacle Financial $ 3,159,375 13.2 % $ 1,912,885 8.0 % $ 2,391,106 10.0 % Pinnacle Bank $ 2,906,853 12.2 % $ 1,906,839 8.0 % $ 2,383,549 10.0 % Tier 1 capital to risk weighted assets: Pinnacle Financial $ 2,319,234 9.7 % $ 1,434,664 6.0 % $ 1,912,885 8.0 % Pinnacle Bank $ 2,679,713 11.2 % $ 1,430,129 6.0 % $ 1,906,839 8.0 % Common equity Tier 1 capital: Pinnacle Financial $ 2,319,112 9.7 % $ 1,075,998 4.5 % N/A N/A Pinnacle Bank $ 2,679,590 11.2 % $ 1,072,597 4.5 % $ 1,549,307 6.5 % Tier 1 capital to average assets (*): Pinnacle Financial $ 2,319,234 9.1 % $ 1,021,836 4.0 % N/A N/A Pinnacle Bank $ 2,679,713 10.5 % $ 1,019,210 4.0 % $ 1,274,012 5.0 % (*) Average assets for the above calculations were based on the most recent quarter.

Parent Company Only Financial I

Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Financial Information	Note 21. Parent Company Only Financial Information The following information presents the condensed balance sheets, statements of operations, and cash flows of Pinnacle Financial as of December 31, 2020 and 2019 and for each of the years in the three-year period ended December 31, 2020 (in thousands): CONDENSED BALANCE SHEETS 2020 2019 Assets: Cash and cash equivalents $ 275,888 $ 182,091 Investments in bank subsidiaries 4,972,160 4,653,310 Investments in consolidated subsidiaries 9,322 7,816 Investment in unconsolidated subsidiaries: Statutory Trusts 3,995 3,995 Other investments 113,445 97,459 Current income tax receivable 51,621 11,696 Other assets 25,747 29,566 $ 5,452,178 $ 4,985,933 Liabilities and stockholders' equity: Income taxes payable to subsidiaries — 2,467 Subordinated debt and other borrowings 541,286 620,256 Other liabilities 6,281 7,462 Stockholders' equity 4,904,611 4,355,748 $ 5,452,178 $ 4,985,933 CONDENSED STATEMENTS OF OPERATIONS 2020 2019 2018 Revenues: Income from bank subsidiaries $ 119,065 $ 113,982 $ 83,090 Income from nonbank subsidiaries 119 178 170 Income from equity method investment 22,587 24,298 13,731 Other income 3,861 3,485 1,310 Expenses: Interest expense 23,877 18,425 17,703 Personnel expense, including stock compensation 18,737 21,226 17,636 Other expense 2,905 1,496 1,312 Income before income taxes and equity in undistributed income of subsidiaries 100,113 100,796 61,650 Income tax benefit (5,370) (4,457) (8,570) Income before equity in undistributed income of subsidiaries 105,483 105,253 70,220 Equity in undistributed income of bank subsidiaries 205,327 294,354 288,728 Equity in undistributed income of nonbank subsidiaries 1,511 1,274 492 Net income $ 312,321 $ 400,881 $ 359,440 Preferred stock dividends 7,596 — — Net income available to common shareholders $ 304,725 $ 400,881 $ 359,440 CONDENSED STATEMENTS OF CASH FLOWS 2020 2019 2018 Operating activities : Net income $ 312,321 $ 400,881 $ 359,440 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Amortization and accretion 1,122 (3,094) 105 Stock-based compensation expense 18,737 21,226 17,636 Increase (decrease) in income tax payable, net (2,467) 2,467 (24) Deferred tax expense (benefit) 3,876 (2,857) (549) Income from equity method investments, net (22,587) (24,298) (13,731) Dividends received from equity method investment 9,251 8,953 5,872 Excess tax benefit from stock compensation (417) (1,011) (2,966) Gain on other investments (195) (1,057) (209) Decrease (increase) in other assets (39,981) 7,295 4,390 Increase (decrease) in other liabilities (764) 5,322 2,758 Equity in undistributed income of bank subsidiary (205,327) (294,354) (288,728) Equity in undistributed income of nonbank subsidiary (1,511) (1,274) (492) Net cash provided by operating activities 72,058 118,199 83,502 Investing activities : Investment in consolidated banking subsidiaries — (180,000) — Increase in other investments (2,454) (1,411) (2,321) Net cash used in investing activities (2,454) (181,411) (2,321) Financing activities : Proceeds from subordinated debt and other borrowings, net of issuance costs (93) 316,078 19,850 Repayment of other borrowings (80,000) (49,880) (620) Issuance of common stock pursuant to restricted stock unit agreement, net of shares withheld for taxes (2,488) — — Exercise of common stock options, net of repurchase of restricted shares (2,577) (3,694) (5,071) Issuance of preferred stock, net of issuance costs 217,126 — — Repurchase of common stock (50,790) (61,416) (20,694) Common dividends paid (49,389) (49,828) (45,454) Preferred stock dividends paid (7,596) — — Net cash provided by (used in) financing activities 24,193 151,260 (51,989) Net increase in cash 93,797 88,048 29,192 Cash and cash equivalents, beginning of year 182,091 94,043 64,851 Cash and cash equivalents, end of year $ 275,888 $ 182,091 $ 94,043 Pinnacle Bank is subject to restrictions on the payment of dividends to Pinnacle Financial under Tennessee banking laws. Pinnacle Bank paid dividends of $119.1 million, $114.0 million and $83.1 million, respectively to Pinnacle Financial in each of the years ended December 31, 2020, 2019 and 2018.

Quarterly Financial Results (un

Quarterly Financial Results (unaudited)	12 Months Ended
	Dec. 31, 2020
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Results (unaudited)	Note 22. Quarterly Financial Results (unaudited) A summary of selected consolidated quarterly financial data for each of the years in the three-year period ended December 31, 2020 follows: (in thousands, except per share data) First Second Third Fourth 2020 Interest income $ 263,069 $ 251,738 $ 249,188 $ 257,047 Net interest income 193,552 200,657 206,594 220,985 Provision for credit losses 99,889 68,332 16,333 7,180 Net income before taxes 26,691 73,674 137,049 133,944 Net income 28,356 62,444 110,645 110,876 Net income available to common shareholders 28,356 62,444 106,847 107,078 Basic net income per share $ 0.37 $ 0.83 $ 1.42 $ 1.42 Diluted net income per share $ 0.37 $ 0.83 $ 1.42 $ 1.42 2019 Interest income $ 257,883 $ 265,851 $ 275,749 $ 268,453 Net interest income 187,246 188,918 195,806 194,172 Provision for credit losses 7,184 7,195 8,260 4,644 Net income before taxes 117,074 124,719 137,224 118,520 Net income available to common shareholders 93,960 100,321 110,521 96,079 Basic net income per share $ 1.22 $ 1.31 $ 1.45 $ 1.26 Diluted net income per share $ 1.22 $ 1.31 $ 1.44 $ 1.26 2018 Interest income $ 211,528 $ 230,984 $ 248,110 $ 256,095 Net interest income 174,471 182,236 189,420 190,215 Provision for credit losses 6,931 9,402 8,725 9,319 Net income before taxes 103,143 109,865 118,183 118,757 Net income available to common shareholders 83,510 86,865 93,747 95,318 Basic net income per share $ 1.08 $ 1.13 $ 1.22 $ 1.24 Diluted net income per share $ 1.08 $ 1.12 $ 1.21 $ 1.23

Other Income and Expenses

Other Income and Expenses	12 Months Ended
	Dec. 31, 2020
Other Noninterest Income and Noninterest Expense [Abstract]
Other Income and Other Expense Disclosure	Note 20. Other Noninterest Income and Expense Other noninterest income and expense totals are more fully detailed in the following tables (in thousands). Any components of these totals exceeding 1% of the aggregate of total net interest income and total noninterest income for any of the years presented, as well as amounts Pinnacle Financial elected to present, are stated separately. Years ended 2020 2019 2018 Other noninterest income: Interchange and other consumer fees $ 40,960 $ 36,158 $ 28,720 Bank-owned life insurance 18,784 17,361 12,535 Loan swap fees 4,568 4,758 4,043 SBA loan sales 5,579 4,933 4,604 Gain on other equity investments 1,072 2,789 2,778 Other noninterest income 11,940 4,838 4,091 Total other noninterest income $ 82,903 $ 70,837 $ 56,771 Other noninterest expense: Deposit related expenses $ 24,392 $ 17,017 $ 22,768 Lending related expenses 40,784 24,573 19,428 Wealth management related expenses 2,053 1,986 1,837 Audit, exam and insurance expense 10,596 9,194 7,791 FHLB restructuring charges 15,168 — — Administrative and other expenses 23,725 18,906 16,036 Total other noninterest expense $ 116,718 $ 71,676 $ 67,860

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation — These consolidated financial statements include the accounts of Pinnacle Financial and its direct and indirect wholly-owned subsidiaries. Certain statutory trust affiliates of Pinnacle Financial, as noted in Note 9. Other Borrowings are included in these consolidated financial statements pursuant to the equity method of accounting. Significant intercompany transactions and accounts are eliminated in consolidation.
Use of Estimates	Use of Estimates — The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the balance sheet dates and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term include the determination of the allowance for credit losses and the determination of any impairment of goodwill or intangible assets. It is reasonably possible Pinnacle Financial's estimate of the allowance for credit losses and determination of impairment of goodwill or intangible assets could change as a result of the continued impact of the COVID-19 pandemic on the economy. The resulting change in these estimates could be material to Pinnacle Financial's consolidated financial statements.
Impairment	Impairment — Long-lived assets, including purchased intangible assets subject to amortization, such as core deposit intangible assets, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to estimated undiscounted future cash flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge is recognized by the amount by which the carrying amount of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the balance sheet and reported at the lower of the carrying amount or fair value less costs to sell, and are no longer depreciated. Pinnacle Financial had $42.3 million and $51.1 million of long-lived intangibles at December 31, 2020 and 2019, respectively. Goodwill is evaluated for impairment at least annually and more frequently if events and circumstances indicate that the asset might be impaired. As described below under Recently Adopted Accounting Pronouncements, Pinnacle Financial adopted the amendments to Accounting Standards Codification (ASC) 350, Intangibles - Goodwill and Other , effective January 1, 2020. The standard provides an entity the option to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If an entity performs a qualitative assessment and determines it is necessary, or if a qualitative assessment is not performed, the entity is required to perform a one-step test to identify potential goodwill impairment and measure the amount of goodwill impairment loss to be recognized for that reporting unit (if any). Based on a qualitative assessment, if an entity determines that the fair value of a reporting unit is more than its carrying amount, the one-step goodwill impairment test is not required. Pinnacle Financial performed a qualitative assessment as of September 30, 2020 by examining changes in macroeconomic conditions, industry and market conditions, overall financial performance, cost factors and other relevant entity-specific events, including changes in the share price of Pinnacle Financial's common stock. The results of the qualitative assessment indicated that a one-step quantitative goodwill impairment test should be performed. The results of the quantitative impairment test, performed by an independent third party, indicated that the estimated fair value of Pinnacle Financial's sole reporting unit exceeded its carrying value amount at September 30, 2020 and, therefore, no goodwill impairment was recorded. Should Pinnacle Financial's common stock price decline below book value per share and remain below book value per share for an extended duration or other impairment indicators become known, additional impairment testing of goodwill may be required. Should it be determined in a future period that the goodwill has become impaired, then a charge to earnings will be recorded in the period such determination is made. The following table presents activity for goodwill and other intangible assets (in thousands): Goodwill Core deposit and Total Balance at December 31, 2019 $ 1,819,811 $ 51,130 $ 1,870,941 Purchase of trade name — 1,000 1,000 Amortization — (9,793) (9,793) Balance at December 31, 2020 $ 1,819,811 $ 42,336 $ 1,862,147 The following table presents the gross carrying amount and accumulated amortization for the core deposit and other intangible assets (in thousands): December 31, 2020 December 31, 2019 Gross carrying amount $ 108,665 $ 107,665 Accumulated amortization (66,329) (56,535) Net book value $ 42,336 $ 51,130
Cash Equivalents and Cash Flows	Cash Equivalents and Cash Flows — Cash on hand, cash items in process of collection, amounts due from banks, Federal funds sold, short-term discount notes and securities purchased under agreements to resell, with original maturities within ninety For the years ended December 31, 2020 2019 2018 Cash Payments: Interest $ 215,888 $ 287,272 $ 199,464 Income taxes paid 110,798 86,960 55,626 Noncash Transactions: Loans charged-off to the allowance for credit losses 49,333 28,467 30,400 Loans foreclosed upon with repossessions transferred to other real estate 3,436 17,937 3,524 Loans foreclosed upon with repossessions transferred to other repossessed assets 25 93 1,899 Other real estate sales financed — 871 891 Fixed assets transferred to other real estate — 8,182 — Available-for-sale securities transferred to held-to-maturity portfolio 873,613 — 179,763 Held-for-sale loans transferred to held-for-investment loan portfolio — — 44,980 Right-of-use assets recognized in the period in exchange for lease obligations (1) 15,820 90,927 — (1) Includes $79.9 million recognized upon initial adoption of ASU 2016-02 on January 1, 2019.
Securities	Securities — Securities are classified based on management's intention on the date of purchase. All debt securities classified as available-for-sale are recorded at fair value with any unrealized gains and losses reported in accumulated other comprehensive income (loss), net of the deferred income tax effects. Securities that Pinnacle Financial has both the positive intent and ability to hold to maturity are classified as held-to-maturity and are carried at historical cost and adjusted for amortization of premiums and accretion of discounts.
Allowance for Credit Losses - Securities Held to Maturity	Allowance for Credit Losses - Securities Held-to-Maturity - Expected credit losses on debt securities classified as held-to-maturity are measured on a collective basis by major security type. The estimates of expected credit losses are based on historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The models rely on regression analyses to predict probability of default (PD) based on projected macroeconomic factors, including unemployment rates and gross domestic product (GDP), among others. At December 31, 2020, Pinnacle Financial's held-to-maturity securities consisted entirely of municipal securities rated A or higher by the ratings agencies. A reasonable and supportable period of eighteen months and reversion period of twelve months is utilized to estimate credit losses on held-to-maturity municipal securities. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off.
Allowance for credit losses - Securities Available-for-sale	Allowance for Credit Losses - Securities Available-for-Sale - For any securities classified as available-for-sale that are in an unrealized loss position at the balance sheet date, Pinnacle Financial assesses whether or not it intends to sell the security, or more likely than not will be required to sell the security, before recovery of its amortized cost basis. If either criteria is met, the security's amortized cost basis is written down to fair value through net income. If neither criteria is met, Pinnacle Financial evaluates whether any portion of the decline in fair value is the result of credit deterioration. Such evaluations consider the extent to which the amortized cost of the security exceeds its fair value, changes in credit ratings and any other known adverse conditions related to the specific security. If the evaluation indicates that a credit loss exists, an allowance for credit losses is recorded through provisions for credit losses for the amount by which the amortized cost basis of the security exceeds the present value of cash flows expected to be collected, limited by the amount by which the amortized cost exceeds fair value. Any impairment not recognized in the allowance for credit losses is recognized in other comprehensive income.
Loans held-for-sale	Loans held-for-sale — Loans originated and intended for sale are carried at the lower of cost or estimated fair value as determined on a loan-by-loan basis. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Realized gains and losses are recognized when legal title to the loans has been transferred to the purchaser and sales proceeds have been received and are reflected in the accompanying consolidated statement of income in gains on mortgage loans sold, net of related costs such as compensation expenses, for mortgage loans, and as a component of other noninterest income for commercial loans held-for-sale.
Loans	Loans — Pinnacle Financial uses the following loan segments for financial reporting purposes: owner occupied commercial real estate mortgage, non-owner occupied commercial real estate, consumer real estate mortgage, construction and land development, commerical and industrial and consumer and other. The appropriate classification is determined based on the underlying collateral utilized to secure each loan. These classifications are consistent with those utilized in the Quarterly Report of Condition and Income filed by Pinnacle Bank with the Federal Deposit Insurance Corporation (FDIC). Loans are reported at their outstanding principal balances, net of applicable purchase accounting and any deferred fees or costs on originated loans. Interest income on loans is accrued based on the principal balance outstanding. Loan origination fees, net of certain loan origination costs, are deferred and recognized as an adjustment to the related loan yield using a method which approximates the interest method. At December 31, 2020 and 2019, net deferred loan fees of $53.2 million and $13.7 million respectively, were included as a reduction to loans on the accompanying consolidated balance sheets. As part of our routine credit monitoring process, commercial loans receive risk ratings by the assigned financial advisor and are subject to validation by our independent loan review department. Risk ratings are categorized as pass, special mention, substandard, substandard-nonaccrual or doubtful-nonaccrual. Pinnacle Financial believes that its categories follow those outlined by the FDIC, Pinnacle Bank's primary federal regulator. At December 31, 2020, approximately 81.4% of Pinnacle Financial's loan portfolio was assigned a specifically assigned risk rating. Certain consumer loans and commercial relationships that possess certain qualifying characteristics, including individually smaller balances, are generally not assigned an individual risk rating but are evaluated collectively for credit risk as a homogeneous pool of loans and individually as either accrual or nonaccrual based on the performance of the loan. Loans are placed on nonaccrual status when there is a significant deterioration in the financial condition of the borrower, which generally is the case but is not limited to when the principal or interest is more than 90 days past due, unless the loan is both well-secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual status is reversed against current interest income. Interest income is subsequently recognized only if certain cash payments are received while the loan is classified as nonaccrual, but interest income recognition is reviewed on a case-by-case basis to determine if the payment should be applied to interest or principal pursuant to regulatory guidelines. A nonaccrual loan is returned to accruing status once the loan has been brought current as to principal and interest and collection is reasonably assured or the loan has been well-secured through other techniques. Loans are charged off when management believes that the full collectability of the loan is unlikely. As such, a loan may be partially charged-off after a "confirming event" has occurred which serves to validate that full repayment pursuant to the terms of the loan is unlikely.
Purchased Loans	Purchased loans, including loans acquired through a merger, are initially recorded at fair value on the date of purchase. At the time of acquisition, management evaluates all purchased loans using a variety of factors such as current classification or risk rating, past due status and history as a component of the fair value determination. For purchased loans that have not experienced more-than-insignificant credit deterioration since origination, management evaluates each reviewed loan using an internal grading system with a grade assigned to each loan at the date of acquisition. To the extent that any purchased loan is not specifically reviewed, such loan is assumed to have characteristics similar to the characteristics of the specifically reviewed acquired portfolio of purchased loans. Purchased loans that have experienced more than insignificant credit deterioration since origination ("purchased credit deteriorated loans") are individually evaluated by management to determine the estimated fair value of each loan. In determining the estimated fair value of such loans, management considers a number of factors including, among other things, the remaining life of the acquired loans, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral, estimated holding periods, and net present value of cash flows expected to be received.
Credit Loss, Financial Instrument	Allowance for Credit Losses - Loans - As described below under Recently Adopted Accounting Pronouncements, Pinnacle Financial adopted FASB ASC 326 effective January 1, 2020, which requires the estimation of an allowance for credit losses in accordance with the CECL methodology. Pinnacle Financial's management assesses the adequacy of the allowance on a quarterly basis. This assessment includes procedures to estimate the allowance and test the adequacy and appropriateness of the resulting balance. The level of the allowance is based upon management's evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers' ability to repay a loan (including the timing of future payments), the estimated value of any underlying collateral, composition of the loan portfolio, industry and peer bank loan quality indications and other pertinent factors, including regulatory recommendations. The level of the allowance for credit losses maintained by management is believed adequate to absorb all expected future losses inherent in the loan portfolio at the balance sheet date. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. The allowance for credit losses is measured on a collective basis for pools of loans with similar risk characteristics. Pinnacle Financial has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: • Owner occupied commercial real estate mortgage loans - Owner occupied commercial real estate mortgage loans are secured by commercial office buildings, industrial buildings, warehouses or retail buildings where the owner of the building occupies the property. For such loans, repayment is largely dependent upon the operation of the borrower's business. • Non-owner occupied commercial real estate loans - These loans represent investment real estate loans secured by office buildings, industrial buildings, warehouses, retail buildings, and multifamily residential housing. Repayment is primarily dependent on lease income generated from the underlying collateral. • Consumer real estate mortgage loans - Consumer real estate mortgage consists primarily of loans secured by 1-4 family residential properties, including home equity lines of credit. Repayment is primarily dependent on the personal cash flow of the borrower. • Construction and land development loans - Construction and land development loans include loans where the repayment is dependent on the successful completion and eventual sale, refinance or operation of the related real estate project. Construction and land development loans include 1-4 family construction projects and commercial construction endeavors such as warehouses, apartments, office and retail space and land acquisition and development. • Commercial and industrial loans - Commercial and industrial loans include loans to business enterprises issued for commercial, industrial and/or other professional purposes. These loans are generally secured by equipment, inventory, and accounts receivable of the borrower and repayment is primarily dependent on business cash flows. Loans granted under the PPP, which are fully guaranteed by the SBA, are included in this category. • Consumer and other loans - Consumer and other loans include all loans issued to individuals not included in the consumer real estate mortgage classification. Examples of consumer and other loans are automobile loans, consumer credit cards and loans to finance education, among others. Many consumer loans are unsecured. Repayment is primarily dependent on the personal cash flow of the borrower. For commercial real estate, consumer real estate, construction and land development, and commercial and industrial loans, Pinnacle Financial primarily utilizes a PD and loss given default (LGD) modeling approach. These models utilize historical correlations between default experience and certain macroeconomic factors as determined through a statistical regression analysis. All loan segments modeled using this approach consider changes in the national unemployment rate. In addition to the national unemployment rate, GDP and the three month treasury rate are considered for owner occupied commercial real estate, the commercial real estate price index and the five year treasury rate are considered for construction loans, and the three month treasury rate is considered for commercial and industrial loans. Projections of these macroeconomic factors, obtained from an independent third party, are utilized to predict quarterly rates of default based on the statistical PD models. Adjustments are made to predicted default rates as considered necessary for each loan segment based on other quantitative and qualitative information not utilized as a direct input into the statistical models. The predicted quarterly default rates are then applied to the estimated future exposure at default (EAD), as determined based on contractual amortization terms and estimated prepayments. An estimated LGD, determined based on historical loss experience, is applied to the quarterly defaulted balances for each loan segment to estimate future losses of the loan's amortized cost. Losses are predicted over a period of time determined to be reasonable and supportable, and at the end of the reasonable and supportable period losses are reverted to long term historical averages. The reasonable and supportable period and reversion period are re-evaluated each quarter by Pinnacle Financial and are dependent on the current economic environment among other factors. Upon implementation of CECL on January 1, 2020 and at December 31, 2020, a reasonable and supportable period of eighteen months was utilized for all loan segments, followed by a twelve month straight line reversion to long term averages. For the consumer and other loan segment, a loss rate approach is utilized. For these loans, historical charge off rates are applied to projected future balances, as determined in the same manner as EAD for the statistically modeled loan segments. For credit cards, which have no amortization terms or contractual maturities and are unconditionally cancellable, future balances are estimated based on expected payment volume applied to the current balance. The estimated loan losses for all loan segments are adjusted for changes in qualitative factors not inherently considered in the quantitative analyses. The qualitative categories and the measurements used to quantify the risks within each of these categories are subjectively selected by management, but measured by objective measurements period over period. The data for each measurement may be obtained from internal or external sources. The current period measurements are evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting qualitative adjustments are applied to the relevant collectively evaluated loan portfolios. These adjustments are based upon quarterly trend assessments in portfolio concentrations, policy exceptions, associate retention, independent loan review results, collateral considerations, risk ratings, competition and peer group credit quality trends. The qualitative allowance allocation, as determined by the processes noted above, is increased or decreased for each loan segment based on the assessment of these various qualitative factors. Loans that do not share similar risk characteristics with the collectively evaluated pools are evaluated on an individual basis and are excluded from the collectively evaluated pools. Individual evaluations are generally performed for loans greater than $1.0 million which have experienced significant credit deterioration. Such loans are evaluated for credit losses based on either discounted cash flows or the fair value of collateral. When management determines that foreclosure is probable, expected credit losses are based on the fair value of the collateral, less selling costs. For loans for which foreclosure is not probable, but for which repayment is expected to be provided substantially through the operation or sale of the collateral, Pinnacle Financial has elected the practical expedient under ASC 326 to estimate expected credit losses based on the fair value of collateral, with selling costs considered in the event sale of the collateral is expected. Loans for which terms have been modified in a TDR are evaluated using these same individual evaluation methods. In the event the discounted cash flow method is used for a TDR, the original interest rate is used to discount expected cash flows. Additional substantial credit risk review procedures were performed during 2020 to assess the impacts of the COVID-19 pandemic on the loan portfolio, and the results of these procedures are reflected in Pinnacle Financial's risk rating disclosures included in Note 5. Loans and Allowance for Credit Losses herein. In assessing the adequacy of the allowance for credit losses, Pinnacle Financial considers the results of Pinnacle Financial's ongoing independent loan review process. Pinnacle Financial undertakes this process both to ascertain those loans in the portfolio with elevated credit risk and to assist in its overall evaluation of the risk characteristics of the entire loan portfolio. Its loan review process includes the judgment of management, independent internal loan reviewers and reviews that may have been conducted by third-party reviewers including regulatory examiners. Pinnacle Financial incorporates relevant loan review results in the allowance. In accordance with CECL, losses are estimated over the remaining contractual terms of loans, adjusted for prepayments. The contractual term excludes expected extensions, renewals and modifications unless management has a reasonable expectation at the reporting date that a TDR will be executed or such renewals, extensions or modifications are included in the original loan agreement and are not unconditionally cancellable by Pinnacle Financial. Credit losses are estimated on the amortized cost basis of loans, which includes the principal balance outstanding, purchase discounts and premiums, deferred loan fees and costs and accrued interest receivable. Accrued interest receivable is presented separately on the balance sheets and as allowed under ASU 2016-13 is excluded from the tabular loan disclosures in Note 4. While policies and procedures used to estimate the allowance for credit losses, as well as the resultant provision for credit losses charged to income, are considered adequate by management and are reviewed periodically by regulators, model validators and internal audit, they are necessarily approximate and imprecise. There are factors beyond Pinnacle Financial's control, such as changes in projected economic conditions, real estate markets or particular industry conditions which may materially impact asset quality and the adequacy of the allowance for credit losses and thus the resulting provision for credit losses. Allowance for Loan Losses (allowance) - Prior to the Adoption of FASB ASC 326 on Janaury 1, 2020, which introduced the CECL methodology for credit losses, the allowance for loan losses was composed of the result of two independent analyses pursuant to the provisions of ASC 450-20, Loss Contingencies and ASC 310-10-35, Receivables . The ASC 450-20 analysis was intended to quantify the inherent risks in the performing loan portfolio. The ASC 310-10-35 analysis included a loan-by-loan analysis of impaired loans, primarily consisting of loans reported as nonaccrual, troubled-debt restructurings or purchased credit impaired. The ASC 450-20 component of the allowance for loan losses began with a historical loss rate calculation for each loan pool with similar risk characteristics. The losses realized over a rolling four-quarter cycle were utilized to determine an annual loss rate for each loan pool for each quarter-end in the look-back period. The look-back period in the loss rate calculation began with January 1, 2006, as the period from January 1, 2006 to present was believed to be representative of an economic cycle. The loss rates for each category were then averaged and applied to the end of period loan portfolio balances to determine estimated losses. The loss rates provided a quantitative estimate of credit losses inherent in the end of period loan portfolio based on actual loss experience. The estimated loan loss allocation for all loan segments was then adjusted for management's estimate of probable losses for a number of qualitative factors that were not considered in the quantitative analysis. The qualitative categories and the measurements used to quantify the risks within each of these categories were subjectively selected by management, but measured by objective measurements period over period. The data for each measurement was obtained from either internal or external sources. The current period measurements were evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting factor was applied to the non-impaired loan portfolio. This amount represented estimated probable inherent credit losses which existed, but had not yet been identified either in risk ratings or the impairment process, as of the balance sheet date, and were based upon quarterly trend assessments in portfolio concentrations, policy exceptions, economic conditions, associate retention, independent loan review results, collateral considerations, credit quality, competition, enterprise wide risk assessments, and peer group credit quality. The qualitative allowance allocation, as determined by the processes noted above, was increased or decreased for each loan segment based on the assessment of these various qualitative factors. The allowance for loan losses for purchased loans was calculated similar to that utilized for legacy Pinnacle Bank loans. Pinnacle Financial's accounting policy was to compare the computed allowance for loan losses for each purchased loan to the remaining fair value adjustment at the individual loan level. If the computed allowance at the loan level was greater than the remaining fair value adjustment, the excess was added to the allowance for loan losses by a charge to the provision for loan losses. The ASC 450-20 portion of the allowance included a small unallocated component. Pinnacle Financial believed that the unallocated amount was warranted for inherent factors that could not be practically assigned to individual loan categories, such as the imprecision in the overall loss allocation measurement process, the subjectivity risk of potentially not considering all relevant environmental categories and related measurements and imprecision in its credit risk ratings process. The appropriateness of the unallocated component of the allowance was assessed each quarter end based upon changes in the overall business environment not otherwise captured. Prior to the adoption of CECL, the impaired loan allowance was determined pursuant to ASC 310-10-35. Loans were considered impaired when, based on current information and events, it was probable that Pinnacle Financial would be unable to collect all amounts due according to the contractual terms of the loan agreement. Collection of all amounts due according to the contractual terms means collecting all interest and principal payments of a loan as scheduled in the loan agreement. This evaluation was inherently subjective as it required material estimates including the amounts and timing of future cash flows expected to be received on impaired loans that may be susceptible to significant change. Loan losses were charged off when management believed that the full collectability of the loan was unlikely. An impairment allowance was recognized if the fair value of the loan was less than the recorded investment in the loan (recorded investment in the loan is the principal balance plus any accrued interest, net of deferred loan fees or costs and unamortized premium or discount). The impairment was recognized through the provision for loan losses and was a component of the allowance for loan losses. Loans that were deemed impaired were recorded at the present value of expected future cash flows discounted at the loan's effective interest rate, or if the loan was collateral dependent, at the fair value of the collateral, less estimated disposal costs. If the loan was cash flow dependent, a specific reserve was established as a component of the allowance. If the loan was collateral dependent, any portion of the loan confirmed to be uncollectible was charged off, and a specific reserve was established for any remaining impairment. The fair value of collateral dependent loans was derived primarily from collateral appraisals performed by independent third-party appraisers. This analysis was completed for all individual loans greater than $1.0 million. The resulting allowance percentage by segment adjusted for specific trends identified, if applicable, was then applied to the remaining population of impaired loans. Pursuant to the guidance set forth in ASU No. 2011-02, A Creditor's Determination of Whether a Restructuring is a Troubled Debt Restructuring , the above impairment methodology was also applied to those loans identified as troubled debt restructurings. Allowance for Credit Losses on Off Balance Sheet Credit Exposures - Pinnacle Financial estimates expected credit losses over the contractual term of obligations to extend credit, unless the obligation is unconditionally cancellable. The allowance for off balance sheet exposures is adjusted through other noninterest expense. The estimates are determined based on the likelihood of funding during the contractual term and an estimate of credit losses subsequent to funding. Estimated credit losses on subsequently funded balances are based on the same assumptions as used to estimate credit losses on existing funded loans.
Transfers of Financial Assets	Transfers of Financial Assets — Transfers of financial assets are accounted for as sales when control over the assets has been surrendered or in the case of a loan participation, a portion of the asset has been surrendered and meets the definition of a "participating interest". Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from Pinnacle Financial, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) Pinnacle Financial does not maintain effective control over the transferred assets through an agreement to repurchase them before maturity.
Premises and Equipment and Leaseholds	Premises and Equipment and Leaseholds — Premises and equipment are carried at cost less accumulated depreciation and amortization computed principally by the straight-line method over the estimated useful lives of the assets or the expected lease terms for leasehold improvements, whichever is shorter. Useful lives for all premises and equipment range between three thirty Pinnacle Financial , or a subsidiary of Pinnacle Financial, is the lessee with respect to multiple office locations. At December 31, 2020, all such leases were being accounted for as operating leases within the accompanying consolidated financial statements, with the exception of one lease agreement classified as a finance lease. Beginning January 1, 2019, Pinnacle Financial recognized right-of-use assets and lease liabilities reflecting the present value of future minimum lease payments under its lease agreements in accordance with Accounting Standards Update 2016-02, Leases.
Other Real Estate Owned	Other Real Estate Owned — Other real estate owned (OREO) represents real estate foreclosed upon or acquired by deed in lieu of foreclosure by Pinnacle Bank through loan defaults by customers as well as properties acquired in connection with the acquisition of BNC that had previously been held for future expansion but were transferred to OREO in 2019. Substantially all of these amounts relate to lots, homes and residential development projects that are either completed or are in various stages of construction for which Pinnacle Financial believes it has adequately supported the value recorded. Upon its acquisition by Pinnacle Bank, the property is recorded at fair value, based on appraised value, less selling costs estimated as of the date acquired. The difference from the loan balance related to the property, if any, is recognized as a charge-off through the allowance for credit losses. Additional OREO losses for subsequent downward valuation adjustments and expenses to maintain OREO are determined on a specific property basis and are included as a component of noninterest expense. Net gains or losses realized at the time of disposal are reflected in noninterest expense. Included in the accompanying consolidated balance sheet at December 31, 2020 is $12.4 million of OREO with no related property-specific valuation allowances. At December 31, 2019, OREO totaled $30.3 million with related property-specific valuation allowances of $772,000. During the years ended December 31, 2020, 2019 and 2018, Pinnacle Financial had $8.6 million, $4.2 million and $723,000, respectively, of net foreclosed real estate expense.
Other Assets	Other Assets — Included in other assets as of December 31, 2020 and 2019, is approximately $4.5 million and $6.0 million, respectively, of computer software related assets, net of amortization. This software supports Pinnacle Financial's primary data systems and relates to amounts paid to vendors for installation and development of such systems. These amounts are amortized on a straight-line basis over periods of three seven Pinnacle Financial is required to maintain certain minimum levels of equity investments with certain regulatory and other entities in which Pinnacle Bank has outstanding borrowings, including the Federal Home Loan Bank of Cincinnati. At both December 31, 2020 and 2019, the cost of these investments was $80.4 million. Pinnacle Financial determined that cost approximates the fair value of these investments. Additionally, Pinnacle Financial has recorded certain investments in other non-public entities and funds at fair value, of $47.8 million and $38.2 million at December 31, 2020 and 2019, respectively. During 2020, 2019 and 2018, Pinnacle Financial recorded net gains of $1.1 million, $2.8 million and $2.7 million, respectively, due to changes in the fair value of these investments. As more fully described in Note 9, Pinnacle Financial has an investment in twelve statutory business trusts valued at $4.0 million as of December 31, 2020. The statutory business trusts were established to issue preferred securities, the dividends for which are paid with interest payments Pinnacle Financial makes on subordinated debentures it issued to the statutory business trusts. Pinnacle Bank is the owner and beneficiary of various life insurance policies on certain key executives and certain current and former directors and associates, including policies that were acquired in its mergers. Collectively, these policies are reflected in other assets in the accompanying consolidated balance sheets at their respective cash surrender values. At December 31, 2020 and 2019, the aggregate cash surrender value of these policies was approximately $743.9 million and $652.7 million, respectively. Noninterest income related to these policies was $18.8 million, $17.4 million, and $12.5 million, during the years ended December 31, 2020, 2019 and 2018, respectively. Also, as part of our compliance with the Community Reinvestment Act (CRA), we have investments in low income housing entities totaling $143.2 million and $100.9 million, net, as of December 31, 2020 and 2019, respectively. Included in our CRA investments are investments of $90.2 million and $58.4 million at December 31, 2020 and 2019, respectively, net of amortization, that qualify for federal low income housing tax credits. The investments are accounted for under the proportional amortization method. Under the proportional amortization method, the initial cost of the investment is amortized in proportion to the tax credits and other tax benefits received. The amortization and benefits are recognized as a component of income tax expense in the consolidated statements of income. The investments are recorded using the cost method.
Derivative Instruments	Derivative Instruments — In accordance with ASC Topic 815, Derivatives and Hedging , all derivative instruments are recorded on the accompanying consolidated balance sheet at their respective fair values. The accounting for changes in fair value (i.e., gains or losses) of a derivative instrument depends on whether it has been designated and qualifies as part of a hedging relationship. If the derivative instrument is not designated as a hedge, changes in the fair value of the derivative instrument are recognized in earnings in the period of change. Pinnacle Financial enters into interest rate swaps (swaps) to facilitate customer transactions and meet their financing needs. Upon entering into these instruments to meet customer needs, Pinnacle Financial enters into offsetting positions with large U.S. financial institutions in order to minimize the risk to Pinnacle Financial. These swaps are derivatives, but are not designated as hedging instruments. Pinnacle Financial enters into forward cash flow hedge relationships in the form of interest rate swap agreements to manage its future interest rate exposure. These derivative contracts have been designated as a hedge and, as such, changes in the fair value of the derivative instrument are recorded in other comprehensive income. Pinnacle Financial also enters into fair value hedge relationships to mitigate the effect of changing interest rates on the fair values of fixed rate securities and loans. The gain or loss on the derivative instrument as well as the offsetting loss or gain on the hedged asset or liability attributable to the hedged risk are recognized in current earnings. The gain or loss on the derivative instrument is presented on the same income statement line item as the earnings effect of the hedged item. Pinnacle Financial prepares written hedge documentation for all derivatives which are designated as hedges. The written hedge documentation includes identification of, among other items, the risk management objective, hedging instrument, hedged item and methodologies for assessing and measuring hedge effectiveness and ineffectiveness, along with support for management's assertion that the hedge will be highly effective. For designated hedging relationships, Pinnacle Financial performs retrospective and prospective effectiveness testing using quantitative methods where required by accounting standards. For certain hedging relationships, effectiveness is tested through the matching of critical terms. Assessments of hedge effectiveness and measurements of hedge ineffectiveness are performed at least quarterly. The portion of the changes in the fair value of a derivative that is highly effective and that has been designated and qualifies as a cash flow hedge is initially recorded in accumulated other comprehensive income (AOCI) and will be reclassified to earnings in the same period that the hedged item impacts earnings; any ineffective portion is recorded in current period earnings. Hedge accounting ceases on transactions that are no longer deemed effective, or for which the derivative has been terminated or de-designated.
Securities Sold Under Agreements to Repurchase	Securities Sold Under Agreements to Repurchase — Pinnacle Financial routinely sells securities to certain treasury management customers and then repurchases these securities the next day. Securities sold under agreements to repurchase are reflected as a secured borrowing in the accompanying consolidated balance sheets at the amount of cash received in connection with each transaction.
Income Taxes	Income Taxes — ASC 740, Income Taxes , defines the threshold for recognizing the benefits of tax return positions in the financial statements as "more-likely-than-not" to be sustained by the taxing authority. ASC 740 also provides guidance on the derecognition, measurement and classification of income tax uncertainties, along with any related interest and penalties, and includes guidance concerning accounting for income tax uncertainties in interim periods. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. The net deferred tax asset is reflected as a component of other assets on the consolidated balance sheet. A valuation allowance is required for deferred tax assets if, based on available evidence, it is more likely than not that all or some portion of the asset may not be realized due to the inability to generate sufficient taxable income in the period and/or of the character necessary to utilize the benefit of the deferred tax asset. Income tax expense or benefit for the year is allocated among continuing operations and other comprehensive income (loss), as applicable. The amount allocated to continuing operations is the income tax effect of the pretax income or loss from continuing operations that occurred during the year, plus or minus income tax effects of (i) changes in certain circumstances that cause a change in judgment about the realization of deferred tax assets in future years, including the valuation of deferred tax assets due to changes in enacted income tax rates (ii) changes in income tax laws or rates, and (iii) changes in income tax status, subject to certain exceptions. The amount allocated to other comprehensive income (loss) is related solely to changes in the valuation allowance on items that are normally accounted for in other comprehensive income (loss) such as unrealized gains or losses on available-for-sale securities. In accordance with ASC 740-10, Accounting for Uncertainty in Income Taxes , uncertain tax positions are recognized if it is more likely than not, based on technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms realized or sustained upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more likely than not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more likely than not recognition threshold considers the facts, circumstances and information available at the reporting date. Pinnacle Financial and its subsidiaries file consolidated U.S. Federal and state income tax returns. Each entity provides for income taxes based on its contribution to income or loss of the consolidated group. Pinnacle Financial has a Real Estate Investment Trust subsidiary that files a separate federal tax return, but its income is included in the consolidated group's return as required by the federal tax laws. Pinnacle Financial remains open to audit under the statute of limitations by the IRS and the states in which Pinnacle operates for the years ended December 31, 2017 through 2020.
Income Per Common Share	Income Per Common Share — Basic net income per common share (EPS) is computed by dividing net income available to common shareholders by the weighted average common shares outstanding for the period. Diluted EPS reflects the dilution that could occur if securities or other contracts to issue common stock were exercised or converted. The difference between basic and diluted weighted average common shares outstanding is attributable to common stock options, restricted share awards, and restricted share unit awards. The dilutive effect of outstanding options, restricted share awards, and restricted share unit awards is reflected in diluted EPS by application of the treasury stock method. As of December 31, 2020, there were 101,769 stock options outstanding to purchase common shares. For the years ended December 31, 2020, 2019 and 2018, respectively, 277,896, 399,600 and 338,545 of dilutive stock options, dilutive restricted shares and restricted share units were included in the diluted earnings per share calculation under the treasury stock method. For the years ended December 31, 2020, 2019 and 2018, there were 394,593, 160,492 and 253,193 respectively, restricted shares excluded from the calculation because they were deemed to be antidilutive. The following is a summary of the basic and diluted earnings per share calculation for each of the years in the three-year period ended December 31, 2020 (dollars in thousands except earnings per share): December 31, 2020 December 31, 2019 December 31, 2018 Basic earnings per common share calculation: Numerator - Net income available to common shareholders $ 304,725 $ 400,881 $ 359,440 Denominator – Weighted average common shares outstanding 75,376,489 76,364,303 77,111,372 Basic net income per common share $ 4.04 $ 5.25 $ 4.66 Diluted earnings per common share calculation: Numerator - Net income available to common shareholders $ 304,725 $ 400,881 $ 359,440 Denominator – Weighted average common shares outstanding 75,376,489 76,364,303 77,111,372 Dilutive shares contingently issuable 277,896 399,600 338,545 Weighted average diluted common shares outstanding 75,654,385 76,763,903 77,449,917 Diluted net income per common share $ 4.03 $ 5.22 $ 4.64
Stock-Based Compensation	Stock-Based Compensation — Stock-based compensation expense is recognized based on the fair value of the portion of stock-based payment awards that are ultimately expected to vest, reduced for estimated forfeitures. ASC 718-20, Compensation – Stock Compensation Awards Classified as Equity requires forfeitures to be estimated at the time of grant and revised, if necessary, in subsequent periods if actual forfeitures differ from those estimates. Service based awards with multiple vesting periods are expensed over the entire requisite period as if the award were a single award. For awards with performance vesting criteria, anticipated performance is projected to determine the number of awards expected to vest, and the corresponding aggregate expense is adjusted to reflect the elapsed portion of the applicable performance period.
Comprehensive Income (Loss)	Comprehensive Income (Loss) — Comprehensive income (loss) consists of the total of all components of comprehensive income (loss) including net income (loss). Other comprehensive income (loss) refers to revenues, expenses, gains and losses that under U.S. GAAP are included in comprehensive income (loss) but excluded from net income (loss). As of December 31, 2020, 2019 and 2018, Pinnacle Financial's other comprehensive income (loss) consists primarily of unrealized gains and losses on securities available-for-sale, net of deferred tax expense (benefit) and unrealized gains (losses) on derivative hedging relationships.
Fair Value Measurement	Fair Value Measurement — ASC Topic 820, Fair Value Measurements and Disclosures , which defines fair value, establishes a framework for measuring fair value in U.S. GAAP and established required disclosures about fair value measurements. ASC 820 applies only to fair value measurements that are already required or permitted by other accounting standards and increases the consistency of those measurements. The definition of fair value focuses on the exit price, i.e., the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, not the entry price, (i.e., the price that would be paid to acquire the asset or received to assume the liability at the measurement date). The statement emphasizes that fair value is a market-based measurement; not an entity-specific measurement. Therefore, the fair value measurement should be determined based on the assumptions that market participants would use in pricing the asset or liability. Pinnacle Financial has an established process for determining fair values. Fair value is based upon quoted market prices, where available. If listed prices or quotes are not available, fair value is based upon internally developed models or processes that use primarily market-based or independently-sourced market data, including interest rate yield curves, option volatilities and third party information such as prices of similar assets or liabilities. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. Furthermore, while Pinnacle Financial believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements — In January 2017, the FASB issued Accounting Standards Update No. 2017-04, Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment to simplify how entities other than private companies, such as public business entities and not-for-profit entities, are required to test goodwill for impairment by eliminating the comparison of the implied fair value of the reporting unit's goodwill with the carrying amount of that goodwill. The amendments became effective for Pinnacle Financial on January 1, 2020. As noted above, Pinnacle Financial performed its annual assessment of goodwill as of September 30, 2020. No impairment charge was identified as a result of the assessment. In June 2016, the FASB issued Accounting Standards Update 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments (Topic 326), and has issued subsequent amendments thereto, which introduces the CECL methodology. Among other things, ASC 326 requires the measurement of all expected credit losses for financial assets, including loans and held-to-maturity debt securities, held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. The CECL model requires institutions to calculate all probable and estimable losses that are expected to be incurred through the financial asset's contractual life through a provision for credit losses, including loans obtained as a result of any acquisition not deemed to be purchased credit deteriorated (PCD). ASC 326 also requires the allowance for credit losses for PCD loans to be determined in a manner similar to that of other financial assets measured at amortized cost; however, the initial allowance determined at acquisition is added to the purchase price rather than recorded as provision expense. In accordance with ASC 326, the disclosure of credit quality indicators related to the amortized cost of financing receivables is further disaggregated by year of origination (or vintage). Pinnacle Financial adopted ASU 2016-13 and all then effective subsequent amendments thereto effective January 1, 2020 using the modified retrospective method for all financial assets measured at amortized cost and off balance sheet credit exposures. Amounts for periods beginning on or after January 1, 2020 are presented under ASC 326 and all prior period information is presented in accordance with previously applicable GAAP. At January 1, 2020, Pinnacle Financial recognized a cumulative adjustment to retained earnings of $31.8 million, net of tax, attributable to an increase in the allowance for credit losses of $34.3 million, an increase in the allowance for off balance sheet credit exposures of $8.8 million, and an increase in deferred tax assets of $11.3 million. In addition, an allowance of $3.8 million was recognized on loans purchased with credit deterioration previously classified as purchased credit impaired (PCI) with a corresponding adjustment to the gross carrying amount of the loans. Pinnacle Financial adopted ASC 326 using the prospective transition approach for PCD loans, which did not require re-evaluation of whether loans previously classified as PCI loans met the criteria of PCD assets at the date of adoption. The remaining noncredit discount will be accreted into interest income at the effective interest rate as of January 1, 2020. In March 2020, the FASB issued Accounting Standards Update 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, and has issued subsequent amendments thereto, which provides temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022. Pinnacle Financial is implementing a transition plan to identify and modify its loans and other financial instruments, including certain indebtedness, with attributes that are either directly or indirectly influenced by LIBOR. Pinnacle Financial is assessing ASU 2020-04 and its impact on the transition away from LIBOR for its loans and other financial instruments.
Newly Issued not yet Effective Accounting Standards	Newly Issued Not Yet Effective Accounting Standards — In January 2020, the FASB issued Accounting Standards Update 2020-01, Investments-Equity Securities (Topic 321), Investments-Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) - Clarifying the Interactions between Topic 321, Topic 323, and Topic 815. These amendments, among other things, clarify that a company should consider observable transactions that require a company to either apply or discontinue the equity method of accounting under Topic 323, Investments-Equity Method and Joint Ventures, for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments also clarify that, when determining the accounting for certain forward contracts and purchased options a company should not consider, whether upon settlement or exercise, if the underlying securities would be accounted for under the equity method or fair value option. The guidance is effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. Early application is permitted, including early adoption in an interim period. An entity should apply ASU 2020-01 prospectively at the beginning of the interim period that includes the adoption date. Pinnacle Financial is assessing ASU 2020-01 and its impact on its accounting and disclosures. In December 2019, the FASB issued Accounting Standards Update No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes to simplify various aspects of the current guidance to promote consistent application of the standard among reporting entities by moving certain exceptions to the general principles. The amendments are effective for fiscal years beginning after December 15, 2020, with early adoption permitted. Pinnacle Financial does not plan to adopt this standard early. If this standard had been effective as of the date of the financial statements included in this report, there would have been no impact on Pinnacle Financial's consolidated financial statements. Other than those pronouncements discussed above and those which have been recently adopted, we do not believe there were any other recently issued accounting pronouncements that are expected to materially impact Pinnacle Financial.
Reclassifications	Reclassifications — Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year net income or stockholders' equity.
Subsequent Events	Subsequent Events — ASC Topic 855, Subsequent Events, establishes general standards of accounting for and disclosure of events that occur after the balance sheet date but before financial statements are issued. Pinnacle Financial evaluated all events or transactions that occurred after December 31, 2020 through the date of the issued financial statements.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Activity for Goodwill and Other Intangible Assets	The following table presents activity for goodwill and other intangible assets (in thousands): Goodwill Core deposit and Total Balance at December 31, 2019 $ 1,819,811 $ 51,130 $ 1,870,941 Purchase of trade name — 1,000 1,000 Amortization — (9,793) (9,793) Balance at December 31, 2020 $ 1,819,811 $ 42,336 $ 1,862,147
Gross Carrying Amount and Accumulated Amortization for the Core Deposit and Other Intangible Assets	The following table presents the gross carrying amount and accumulated amortization for the core deposit and other intangible assets (in thousands): December 31, 2020 December 31, 2019 Gross carrying amount $ 108,665 $ 107,665 Accumulated amortization (66,329) (56,535) Net book value $ 42,336 $ 51,130
Supplemental Cash Flow Information	Cash Equivalents and Cash Flows — Cash on hand, cash items in process of collection, amounts due from banks, Federal funds sold, short-term discount notes and securities purchased under agreements to resell, with original maturities within ninety For the years ended December 31, 2020 2019 2018 Cash Payments: Interest $ 215,888 $ 287,272 $ 199,464 Income taxes paid 110,798 86,960 55,626 Noncash Transactions: Loans charged-off to the allowance for credit losses 49,333 28,467 30,400 Loans foreclosed upon with repossessions transferred to other real estate 3,436 17,937 3,524 Loans foreclosed upon with repossessions transferred to other repossessed assets 25 93 1,899 Other real estate sales financed — 871 891 Fixed assets transferred to other real estate — 8,182 — Available-for-sale securities transferred to held-to-maturity portfolio 873,613 — 179,763 Held-for-sale loans transferred to held-for-investment loan portfolio — — 44,980 Right-of-use assets recognized in the period in exchange for lease obligations (1) 15,820 90,927 — (1) Includes $79.9 million recognized upon initial adoption of ASU 2016-02 on January 1, 2019.
Basic and Diluted Earnings Per Share Calculations	The following is a summary of the basic and diluted earnings per share calculation for each of the years in the three-year period ended December 31, 2020 (dollars in thousands except earnings per share): December 31, 2020 December 31, 2019 December 31, 2018 Basic earnings per common share calculation: Numerator - Net income available to common shareholders $ 304,725 $ 400,881 $ 359,440 Denominator – Weighted average common shares outstanding 75,376,489 76,364,303 77,111,372 Basic net income per common share $ 4.04 $ 5.25 $ 4.66 Diluted earnings per common share calculation: Numerator - Net income available to common shareholders $ 304,725 $ 400,881 $ 359,440 Denominator – Weighted average common shares outstanding 75,376,489 76,364,303 77,111,372 Dilutive shares contingently issuable 277,896 399,600 338,545 Weighted average diluted common shares outstanding 75,654,385 76,763,903 77,449,917 Diluted net income per common share $ 4.03 $ 5.22 $ 4.64

Equity method investment (Table

Equity method investment (Tables)	12 Months Ended
	Dec. 31, 2020
Equity Method Investments and Joint Ventures [Abstract]
Equity Method Investments	The following summary of BHG's financial position and results of operations as of December 31, 2020 and 2019 and for the years ended December 31, 2020, 2019 and 2018 are presented as unaudited due to BHG's fiscal year end being September 30 (in thousands): Banker's Healthcare Group December 31, 2020 December 31, 2019 Assets $ 1,330,317 $ 840,398 Liabilities $ 1,088,135 $ 641,037 Equity interests 242,182 199,361 Total liabilities and equity $ 1,330,317 $ 840,398 For the year ended December 31, 2020 2019 2018 Revenues $ 457,928 $ 366,500 $ 220,253 Net income, pre-tax $ 171,964 $ 182,462 $ 104,297

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Summary of Amortized Cost and Fair Value of Available-for-sale and Held-to-maturity Securities	The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2020 and 2019 are summarized as follows (in thousands): Amortized Cost Gross Gross Fair December 31, 2020 Securities available-for-sale: U.S Treasury securities $ 82,199 $ 10 $ — $ 82,209 U.S. Government agency securities 74,916 1,547 60 76,403 Mortgage-backed securities 1,623,759 67,759 2,327 1,689,191 State and municipal securities 1,411,288 44,559 12,484 1,443,363 Asset-backed securities 177,878 715 657 177,936 Corporate notes 117,256 2,632 2,309 117,579 $ 3,487,296 $ 117,222 $ 17,837 $ 3,586,681 Amortized Cost Gross Gross Fair December 31, 2020 Securities held-to-maturity: State and municipal securities 1,028,550 38,272 291 1,066,531 $ 1,028,550 $ 38,272 $ 291 $ 1,066,531 Allowance for credit losses - securities held-to-maturity (191) Securities held-to-maturity, net of allowance for credit losses $ 1,028,359 December 31, 2019 Securities available-for-sale: U.S Treasury securities $ 72,862 $ 19 $ 14 $ 72,867 U.S. Government agency securities 80,096 306 710 79,692 Mortgage-backed securities 1,458,894 12,789 7,776 1,463,907 State and municipal securities 1,669,606 52,096 7,249 1,714,453 Asset-backed securities 153,963 302 1,293 152,972 Corporate notes 56,212 635 743 56,104 $ 3,491,633 $ 66,147 $ 17,785 $ 3,539,995 Securities held-to-maturity: State and municipal securities 188,996 12,221 — 201,217 $ 188,996 $ 12,221 $ — $ 201,217
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities as of December 31, 2020 by contractual maturity are shown below. Actual maturities may differ from contractual maturities of mortgage-backed securities since the mortgages underlying the securities may be called or prepaid with or without penalty. Therefore, these securities are not included in the maturity categories in the following summary (in thousands): Available-for-sale Held-to-maturity Amortized Fair Amortized Fair Due in one year or less $ 83,050 $ 83,066 $ — $ — Due in one year to five years 12,406 12,802 1,409 1,494 Due in five years to ten years 188,991 198,687 7,180 7,300 Due after ten years 1,401,212 1,424,999 1,019,961 1,057,737 Mortgage-backed securities 1,623,759 1,689,191 — — Asset-backed securities 177,878 177,936 — — $ 3,487,296 $ 3,586,681 $ 1,028,550 $ 1,066,531
Classification of Investments According to Term of Unrealized Losses of Less than Twelve Months or Twelve Months or Longer	At December 31, 2020 and 2019, included in securities were the following investments with unrealized losses. The information below classifies these investments according to the term of the unrealized loss of less than twelve months or twelve months or longer (in thousands): Investments with an Unrealized Loss of Investments with an Total Investments Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized December 31, 2020 U.S. Treasury securities $ — $ — $ — $ — $ — $ — U.S. Government agency securities 9,962 38 6,091 22 16,053 60 Mortgage-backed securities 165,696 1,772 35,997 555 201,693 2,327 State and municipal securities 175,115 2,220 345,435 10,264 520,550 12,484 Asset-backed securities 46,399 207 52,840 450 99,239 657 Corporate notes 9,978 40 23,920 2,269 33,898 2,309 Total temporarily-impaired securities $ 407,150 $ 4,277 $ 464,283 $ 13,560 $ 871,433 $ 17,837 December 31, 2019 U.S. Treasury securities $ 40,505 $ 14 $ — $ — $ 40,505 $ 14 U.S. Government agency securities 1,222 1 30,892 709 32,114 710 Mortgage-backed securities 458,881 5,102 163,767 2,674 622,648 7,776 State and municipal securities 204,958 1,938 244,884 5,311 449,842 7,249 Asset-backed securities 75,488 796 59,816 497 135,304 1,293 Corporate notes — — 16,908 743 16,908 743 Total temporarily-impaired securities $ 781,054 $ 7,851 $ 516,267 $ 9,934 $ 1,297,321 $ 17,785

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Summary of Amount of Each Loan Classification, Categorized into Each Risk Rating Class	The table below presents loan balances classified within each risk rating category by primary loan type and based on year of origination as of December 31, 2020 (in thousands): December 31, 2020 2020 2019 2018 2017 2016 Prior Revolving Loans Total Commercial real estate- owner occupied Pass $ 824,419 $ 437,755 $ 430,690 $ 311,132 $ 280,826 $ 257,717 $ 74,287 $ 2,616,826 Special Mention 38,687 23,641 22,521 13,335 5,089 4,762 9,638 117,673 Substandard (1) 17,131 7,035 6,853 12,063 6,627 3,946 3,842 57,497 Substandard-nonaccrual 972 149 2,932 1,448 1,532 3,136 62 10,231 Doubtful-nonaccrual — — — — — — — — Total Commercial real estate - owner occupied $ 881,209 $ 468,580 $ 462,996 $ 337,978 $ 294,074 $ 269,561 $ 87,829 $ 2,802,227 Commercial real estate- Non-owner occupied Pass $ 1,210,032 $ 951,070 $ 728,348 $ 507,095 $ 482,642 $ 323,036 $ 73,706 $ 4,275,929 Special Mention 477,098 121,531 44,634 107,712 72,618 58,169 9,840 891,602 Substandard (1) 15,039 1,666 3,140 3,551 4,929 2,309 — 30,634 Substandard-nonaccrual 763 423 586 137 749 2,561 — 5,219 Doubtful-nonaccrual — — — — — — — — Total Commercial real estate - Non-owner occupied $ 1,702,932 $ 1,074,690 $ 776,708 $ 618,495 $ 560,938 $ 386,075 $ 83,546 $ 5,203,384 Consumer real estate – mortgage Pass $ 730,617 $ 477,965 $ 321,411 $ 163,457 $ 123,900 $ 296,408 $ 945,558 $ 3,059,316 Special Mention 1,206 65 970 67 — 946 8,739 11,993 Substandard (1) 689 507 — 189 8 2,171 2,108 5,672 Substandard-nonaccrual 275 2,486 999 1,248 2,588 10,516 4,079 22,191 Doubtful-nonaccrual — — — — — — — — Total Consumer real estate – mortgage $ 732,787 $ 481,023 $ 323,380 $ 164,961 $ 126,496 $ 310,041 $ 960,484 $ 3,099,172 Construction and land development Pass $ 1,199,902 $ 1,171,879 $ 363,247 $ 56,736 $ 19,198 $ 6,548 $ 18,233 $ 2,835,743 Special Mention 55,805 2,648 154 — 4,243 — — 62,850 Substandard (1) 777 15 27 — 240 141 — 1,200 Substandard-nonaccrual 378 535 73 78 — 889 — 1,953 Doubtful-nonaccrual — — — — — — — — Total Construction and land development $ 1,256,862 $ 1,175,077 $ 363,501 $ 56,814 $ 23,681 $ 7,578 $ 18,233 $ 2,901,746 Commercial and industrial Pass $ 3,572,453 $ 973,558 $ 601,865 $ 270,880 $ 116,736 $ 79,527 $ 2,141,512 $ 7,756,531 Special Mention 44,560 66,186 5,348 7,804 3,735 731 40,816 169,180 Substandard (1) 26,463 15,283 12,796 2,816 524 2,071 18,555 78,508 Substandard-nonaccrual 19,127 5,350 488 1,084 186 79 7,924 34,238 Doubtful-nonaccrual — — — — — — — — Total Commercial and industrial $ 3,662,603 $ 1,060,377 $ 620,497 $ 282,584 $ 121,181 $ 82,408 $ 2,208,807 $ 8,038,457 Consumer and other Pass $ 165,029 $ 16,947 $ 6,515 $ 6,828 $ 3,690 $ 1,643 $ 178,859 $ 379,511 Special Mention — — — — — — — — Substandard (1) — — — — — — — — Substandard-nonaccrual — — — — 4 — — 4 Doubtful-nonaccrual — — — — — — — — Total Consumer and other $ 165,029 $ 16,947 $ 6,515 $ 6,828 $ 3,694 $ 1,643 $ 178,859 $ 379,515 Total loans Pass $ 7,702,452 $ 4,029,174 $ 2,452,076 $ 1,316,128 $ 1,026,992 $ 964,879 $ 3,432,155 $ 20,923,856 Special Mention 617,356 214,071 73,627 128,918 85,685 64,608 69,033 1,253,298 Substandard (1) 60,099 24,506 22,816 18,619 12,328 10,638 24,505 173,511 Substandard-nonaccrual 21,515 8,943 5,078 3,995 5,059 17,181 12,065 73,836 Doubtful-nonaccrual — — — — — — — — Total loans $ 8,401,422 $ 4,276,694 $ 2,553,597 $ 1,467,660 $ 1,130,064 $ 1,057,306 $ 3,537,758 $ 22,424,501 The following table outlines the risk category of loans as of December 31, 2019 (in thousands): December 31, 2019 Commercial real estate - mortgage Consumer real estate - mortgage Construction and land development Commercial and industrial Consumer Total Pass $ 7,499,725 $ 3,019,203 $ 2,422,347 $ 6,069,757 $ 288,361 $ 19,299,393 Special Mention 51,147 13,787 2,816 79,819 698 148,267 Substandard (1) 139,518 10,969 3,042 125,035 47 278,611 Substandard-nonaccrual 18,828 24,666 2,278 15,685 148 61,605 Doubtful-nonaccrual — — — — — — Total loans $ 7,709,218 $ 3,068,625 $ 2,430,483 $ 6,290,296 $ 289,254 $ 19,787,876
Summary of Recorded Investment, Unpaid Principal Balance and Related Allowance and Average Recorded Investment of Impaired Loans	The following tables presents the recorded investment, average recorded investment, and the amount of interest income recognized on a cash basis for impaired loans at December 31, 2019 and 2018, respectively, as determined under ASC 310 prior to the adoption of ASU 2016-13. Impaired loans generally include nonaccrual loans, TDRs, and other loans deemed to be impaired but that continue to accrue interest. Presented are the recorded investment, unpaid principal balance, and related allowance of impaired loans at December 31, 2019 and 2018, respectively, by loan classification (in thousands): December 31, 2019 For the year ending Recorded investment Unpaid principal balance Related allowance Average recorded investment Cash basis Impaired loans with an allowance: Commercial real estate – mortgage $ 9,998 $ 10,983 $ 1,235 $ 13,750 $ — Consumer real estate – mortgage 20,996 23,105 1,292 20,909 — Construction and land development 542 654 33 578 — Commercial and industrial 4,074 5,381 711 8,871 — Consumer and other 148 182 9 350 — Total $ 35,758 $ 40,305 $ 3,280 $ 44,458 $ — Impaired loans without an allowance: Commercial real estate – mortgage $ 8,124 $ 8,891 $ — $ 11,642 $ 176 Consumer real estate – mortgage 4,022 4,021 — 7,509 — Construction and land development 19 17 — 365 — Commercial and industrial 10,221 11,322 — 12,945 — Consumer and other — — — — — Total $ 22,386 $ 24,251 $ — $ 32,461 $ 176 Total impaired loans $ 58,144 $ 64,556 $ 3,280 $ 76,919 $ 176 December 31, 2018 For the year ended Recorded investment Unpaid principal balance Related allowance Average recorded investment Cash basis Impaired loans with an allowance: Commercial real estate – mortgage $ 14,114 $ 14,124 $ 724 $ 10,260 $ — Consumer real estate – mortgage 19,864 19,991 1,443 13,154 — Construction and land development 581 579 28 1,157 — Commercial and industrial 9,252 9,215 1,441 9,326 — Consumer and other 983 1,005 328 718 — Total $ 44,794 $ 44,914 $ 3,964 $ 34,615 $ — Impaired loans without an allowance: Commercial real estate – mortgage $ 14,724 $ 14,739 $ — $ 17,906 $ 469 Consumer real estate – mortgage 7,247 7,271 — 5,477 — Construction and land development 1,786 1,786 — 1,463 — Commercial and industrial 14,595 14,627 — 15,796 — Consumer and other — — — — — Total $ 38,352 $ 38,423 $ — $ 40,642 $ 469 Total impaired loans $ 83,146 $ 83,337 $ 3,964 $ 75,257 $ 469
Amount of Troubled Debt Restructuring Categorized by Loan Classification	The following table outlines the amount of each TDR by loan classification made during the years ended December 31, 2020, 2019 and 2018 (dollars in thousands): Number Pre Modification Outstanding Recorded Investment Post Modification Outstanding Recorded Investment, net of related allowance December 31, 2020 Commercial real estate: Owner-occupied — $ — $ — Non-owner occupied — — — Consumer real estate – mortgage 1 807 807 Construction and land development — — — Commercial and industrial — — — Consumer and other — — — 1 $ 807 $ 807 December 31, 2019 Commercial real estate: Owner-occupied 1 $ 306 $ 287 Non-owner occupied — — — Consumer real estate – mortgage 1 683 683 Construction and land development 1 19 19 Commercial and industrial 1 1,318 777 Consumer and other — — — 4 $ 2,326 $ 1,766 December 31, 2018 Commercial real estate: Owner-occupied — $ — $ — Non-owner occupied — — — Consumer real estate – mortgage 3 1,967 1,967 Construction and land development 1 347 347 Commercial and industrial — — — Consumer and other — — — 4 $ 2,314 $ 2,314 During the years ended December 31, 2020, 2019 and 2018, Pinnacle Financial had no TDRs that subsequently defaulted within twelve months of the restructuring. A default is defined as an occurrence which violates the terms of the receivable's contract. In response to the COVID-19 pandemic and its economic impact to its customers, Pinnacle Bank implemented a short-term modification program in accordance with interagency regulatory guidance to provide temporary payment relief to those borrowers directly impacted by COVID-19 who were not more than 30 days past due at the time of the modification. This program allowed for a deferral of payments for up to two successive 90 day periods for a cumulative maximum of 180 days. Pursuant to interagency guidance, such short-term deferrals are not deemed to meet the criteria for reporting as TDRs. For borrowers requiring a longer-term modification following the short-term loan modification program, Pinnacle Financial worked with these borrowers whose loans were not more than 30 days past due at December 31, 2019 and who required modifications as a result of COVID-19 to modify such loans under Section 4013 of the CARES Act. The outstanding balance at December 31, 2020 of loans which have received such modifications was approximately $825.6 million. In accordance with the provisions of the CARES Act, these modifications have not been classified as TDRs.
Summary of Loan Portfolio Credit Risk Exposure	Pinnacle Financial analyzes its commercial loan portfolio to determine if a concentration of credit risk exists to any industries. Pinnacle Financial utilizes broadly accepted industry classification systems in order to classify borrowers into various industry classifications. Pinnacle Financial had a credit exposure (loans outstanding plus unfunded lines of credit) exceeding 25% of Pinnacle Bank's total risk-based capital to borrowers in the following industries at December 31, 2020 with the comparative exposures for December 31, 2019 (in thousands): At December 31, 2020 Outstanding Principal Balances Unfunded Commitments Total exposure Total Exposure at December 31, 2019 Lessors of nonresidential buildings $ 3,558,320 $ 884,392 $ 4,442,712 $ 4,578,116 Lessors of residential buildings 1,340,937 785,309 2,126,246 1,599,837 New housing for-sale builders 474,932 649,370 1,124,302 1,090,603 Hotels and motels 949,712 89,547 1,039,259 967,771 Total $ 6,323,901 $ 2,408,618 $ 8,732,519 $ 8,236,327
Past Due Balances by Loan Classification	The table below presents the aging of past due balances by loan segment at December 31, 2020 and December 31, 2019 (in thousands): December 31, 2020 30-59 days past due 60-89 days past due 90 days or more past due Total past due Current Total loans Commercial real estate: Owner-occupied $ 934 $ 2,672 $ 1,860 $ 5,466 $ 2,796,761 $ 2,802,227 Non-owner occupied 726 6,220 3,861 10,807 5,192,577 5,203,384 Consumer real estate – mortgage 8,859 328 6,274 15,461 3,083,711 3,099,172 Construction and land development 278 418 736 1,432 2,900,314 2,901,746 Commercial and industrial 20,278 5,801 4,408 30,487 8,007,970 8,038,457 Consumer and other 806 282 304 1,392 378,123 379,515 Total $ 31,881 $ 15,721 $ 17,443 $ 65,045 $ 22,359,456 $ 22,424,501 December 31, 2019 Commercial real estate: Owner-occupied $ 2,307 $ 2,932 $ 1,719 $ 6,958 $ 2,662,808 $ 2,669,766 Non-owner occupied 3,156 3,641 3,816 10,613 5,028,839 5,039,452 Consumer real estate – mortgage 11,646 2,157 7,304 21,107 3,047,518 3,068,625 Construction and land development 1,392 711 1,487 3,590 2,426,893 2,430,483 Commercial and industrial 8,474 2,478 6,364 17,316 6,272,980 6,290,296 Consumer and other 1,770 414 570 2,754 286,500 289,254 Total $ 28,745 $ 12,333 $ 21,260 $ 62,338 $ 19,725,538 $ 19,787,876
Details of Changes in the Allowance for Loan Losses	The following table details the changes in the allowance for credit losses from December 31, 2017 to December 31, 2018 to December 31, 2019 to December 31, 2020 by loan classification and the allocation of allowance for credit losses (in thousands): Commercial real estate - owner occupied Commercial real estate - non-owner occupied Consumer real estate - mortgage Construction and land development Commercial and industrial Consumer and other Unallocated Total Allowance for Credit Losses: Balance at December 31, 2017 $ 8,992 $ 12,196 $ 5,031 $ 8,962 $ 24,863 $ 5,874 $ 1,322 $ 67,240 Charged-off loans (2,652) (378) (1,593) (74) (13,175) (12,528) — (30,400) Recovery of previously charged-off loans 1,568 528 2,653 1,863 3,035 2,711 — 12,358 Provision for credit losses 2,667 4,025 1,579 377 17,008 9,366 (645) 34,377 Balance at December 31, 2018 $ 10,575 $ 16,371 $ 7,670 $ 11,128 $ 31,731 $ 5,423 $ 677 $ 83,575 Charged-off loans (1,625) (75) (1,335) (18) (19,208) (6,206) — (28,467) Recovery of previously charged-off loans 1,252 980 1,827 682 6,473 1,172 — 12,386 Provision for credit losses 3,204 2,687 (108) 870 17,116 3,206 308 27,283 Balance at December 31, 2019 $ 13,406 $ 19,963 $ 8,054 $ 12,662 $ 36,112 $ 3,595 $ 985 $ 94,777 Impact of adopting ASC 326 264 (4,740) 21,029 (3,144) 23,040 2,638 (985) 38,102 Charged-off loans (2,598) (546) (3,478) — (38,718) (3,993) — (49,333) Recovery of previously charged-off loans 1,317 911 1,493 147 4,540 1,554 — 9,962 Provision for credit losses 10,909 63,544 6,206 32,743 73,449 4,691 — 191,542 Balance at December 31, 2020 $ 23,298 $ 79,132 $ 33,304 $ 42,408 $ 98,423 $ 8,485 $ — $ 285,050 The following table details the allowance for credit losses on loans and recorded investment in loans by loan classification and by impairment evaluation method as of December 31, 2019, as determined in accordance with ASC 310 prior to the adoption of ASU 2016-13 (in thousands): Commercial real estate - mortgage Consumer real estate - mortgage Construction and land development Commercial and industrial Consumer and other Unallocated Total December 31, 2019 Allowance for Loan Losses: Collectively evaluated for impairment $ 32,134 $ 6,762 $ 12,629 $ 35,401 $ 3,586 $ 90,512 Individually evaluated for impairment 1,235 1,292 33 711 9 3,280 Loans acquired with deteriorated credit quality (1) — — — — — — Balance at December 31, 2019 $ 33,369 $ 8,054 $ 12,662 $ 36,112 $ 3,595 $ 985 $ 94,777 Loans: Collectively evaluated for impairment $ 7,681,608 $ 3,036,922 $ 2,426,901 $ 6,274,280 $ 289,106 $ 19,708,817 Individually evaluated for impairment 18,122 25,018 561 14,295 148 58,144 Loans acquired with deteriorated credit quality 9,488 6,685 3,021 1,721 — 20,915 Balance at December 31, 2019 $ 7,709,218 $ 3,068,625 $ 2,430,483 $ 6,290,296 $ 289,254 $ 19,787,876 (1) Prior to the adoption of ASC 326 on January 1, 2020, an allowance for loan losses was recorded on loans acquired with deteriorated credit quality only in the event of additional credit deterioration subsequent to acquisition.
Schedule of Accounts, Notes, Loans and Financing Receivable	Loans at December 31, 2020 and 2019 (in thousands) were as follows: December 31, 2020 December 31, 2019 Commercial real estate: Owner-occupied $ 2,802,227 $ 2,669,766 Non-owner occupied 5,203,384 5,039,452 Consumer real estate – mortgage 3,099,172 3,068,625 Construction and land development 2,901,746 2,430,483 Commercial and industrial 8,038,457 6,290,296 Consumer and other 379,515 289,254 Subtotal $ 22,424,501 $ 19,787,876 Allowance for credit losses (285,050) (94,777) Loans, net $ 22,139,451 $ 19,693,099
Schedule of Collateral Dependent Loans Individually Evaluated for ACL	The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses (in thousands): Real Estate Business Assets Other Total December 31, 2020 Commercial real estate: Owner-occupied $ 15,681 $ — $ — $ 15,681 Non-owner occupied 7,000 — — 7,000 Consumer real estate – mortgage 27,082 — — 27,082 Construction and land development 2,049 — — 2,049 Commercial and industrial — 22,437 39 22,476 Consumer and other — — 4 4 Total $ 51,812 $ 22,437 $ 43 $ 74,292
Financing Receivable, Nonaccrual	The table below presents the amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest at December 31, 2020 and December 31, 2019. Also presented is the balance of loans on nonaccrual status at December 31, 2020 for which there was no related allowance for credit losses recorded (in thousands): December 31, 2020 December 31, 2019 Total nonaccrual loans Nonaccrual loans with no allowance for credit losses Loans past due 90 or more days and still accruing Total nonaccrual loans Loans past due 90 or more days and still accruing Commercial real estate: Owner-occupied $ 10,231 $ 5,985 $ — $ 11,654 $ — Non-owner occupied 5,219 1,522 — 7,173 — Consumer real estate – mortgage 22,191 — 273 24,667 168 Construction and land development 1,953 — — 2,278 — Commercial and industrial 34,238 29,030 1,785 15,685 946 Consumer and other 4 — 304 148 501 Total $ 73,836 $ 36,537 $ 2,362 $ 61,605 $ 1,615
Certain Loans Acquired in Transfer During Period	The following table provides a rollforward of PCD loans from December 31, 2018 through December 31, 2020 (in thousands): Gross Carrying Value Accretable Yield Nonaccretable Yield Carrying Value December 31, 2018 $ 42,837 $ (114) $ (17,394) $ 25,329 Acquisitions 1,883 — — 1,883 Reclassification of yield from nonaccretable to accretable — (7,505) 7,505 — Settlements (15,176) 2,818 6,061 (6,297) December 31, 2019 $ 29,544 $ (4,801) $ (3,828) $ 20,915 Reclassification of discount to allowance for credit losses — — 3,828 3,828 Settlements (8,158) 2,561 — (5,597) December 31, 2020 $ 21,386 $ (2,240) $ — $ 19,146

Premises and Equipment and Le_2

Premises and Equipment and Lease Commitments (Tables)	12 Months Ended
	Dec. 31, 2020
Premises and Equipment and Lease Commitments [Abstract]
Schedule of Premises and Equipment	Premises and equipment at December 31, 2020 and 2019 are summarized as follows (in thousands): Range of Useful Lives 2020 2019 Land Not applicable $ 70,140 $ 64,814 Buildings 15 years - 30 years 194,432 185,340 Leasehold improvements 15 years - 20 years 50,867 45,398 Furniture and equipment 3 years - 20 years 126,678 109,900 442,117 405,452 Less: accumulated depreciation and amortization 152,116 131,520 $ 290,001 $ 273,932
Schedule of Lease Assets and Liabilities	Right-of-use assets and lease liabilities relating to Pinnacle Financial's operating and finance leases are as follows at December 31, 2020 and 2019 (in thousands): December 31, 2020 December 31, 2019 Right-of-use assets: Operating leases $ 83,647 $ 79,574 Finance leases 1,770 1,996 Total right-of-use assets $ 85,417 $ 81,570 Lease liabilities: Operating leases $ 87,737 $ 83,219 Finance leases 3,001 3,244 Total lease liabilities $ 90,738 $ 86,463
Schedule of Lease Costs and Other Information	The total lease cost related to operating leases and short term leases is recognized on a straight-line basis over the lease term. For finance leases, right-of-use assets are amortized on a straight-line basis over the lease term and interest imputed on the lease liability is recognized using the effective interest method. The components of Pinnacle Financial's total lease cost were as follows for the years ended December 31, 2020 and 2019 (in thousands): For the years ended December 31, 2020 2019 Operating lease cost $ 13,963 $ 13,992 Short-term lease cost 354 295 Finance lease cost: Interest on lease liabilities 227 243 Amortization of right-of-use asset 226 226 Sublease income (1,324) (1,463) Net lease cost $ 13,446 $ 13,293 The weighted average remaining lease term and weighted average discount rate for operating and finance leases at December 31, 2020 and 2019 are as follows: December 31, 2020 December 31, 2019 Weighted average remaining lease term Operating leases 10.37 years 10.75 years Finance leases 7.84 years 8.84 years Weighted average discount rate Operating leases 2.91 % 3.07 % Finance leases 7.22 % 7.22 % Cash flows related to operating and finance leases during the year ended December 31, 2020 and 2019 were as follows (in thousands): For the years ended December 31, 2020 2019 Operating cash flows related to operating leases $ 13,494 $ 13,609 Operating cash flows related to finance leases $ 227 $ 243 Financing cash flows related to finance leases $ 243 $ 226
Schedule of Future Minimum Operating Lease Payments	Future undiscounted lease payments for operating and finance leases with initial terms of more than 12 months are as follows at December 31, 2020 (in thousands): Operating Leases Finance Leases 2021 $ 13,607 $ 470 2022 12,413 470 2023 11,582 479 2024 11,506 527 2025 9,247 527 Thereafter 45,701 1,494 Total undiscounted lease payments 104,056 3,967 Less: imputed interest (16,319) (966) Net lease liabilities $ 87,737 $ 3,001
Schedule of Future Minimum Finance Lease Payments	Future undiscounted lease payments for operating and finance leases with initial terms of more than 12 months are as follows at December 31, 2020 (in thousands): Operating Leases Finance Leases 2021 $ 13,607 $ 470 2022 12,413 470 2023 11,582 479 2024 11,506 527 2025 9,247 527 Thereafter 45,701 1,494 Total undiscounted lease payments 104,056 3,967 Less: imputed interest (16,319) (966) Net lease liabilities $ 87,737 $ 3,001

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2020
Interest-bearing Deposit Liabilities [Abstract]
Scheduled Maturities of Time Deposits	At December 31, 2020, the scheduled maturities of time deposits are as follows (in thousands): 2021 $ 2,810,182 2022 563,181 2023 125,703 2024 11,666 2025 12,684 Thereafter 1,216 $ 3,524,632

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances (Tables)	12 Months Ended
	Dec. 31, 2020
Advances from Federal Home Loan Banks [Abstract]
Scheduled Maturities of Advances and Interest Rates	At December 31, 2020 and 2019, Pinnacle Bank had outstanding advances from the FHLB totaling approximately $1.1 billion and $2.1 billion, respectively. The scheduled maturities of FHLB advances at December 31, 2020 and interest rates are as follows (in thousands): Scheduled Maturities Weighted average interest rates 2021 $ 200,000 0.28 % 2022 — — % 2023 — — % 2024 — — % 2025 116,250 0.64 % Thereafter 775,013 2.15 % 1,091,263 Deferred costs (3,336) Total Federal Home Loan Bank advances $ 1,087,927 Weighted average interest rate 1.64 %

Other borrowings Other Borrowin

Other borrowings Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2020
Debt Instrument [Line Items]
Schedule of Maturities of Long-term Debt	Pinnacle Financial has twelve wholly-owned subsidiaries that are statutory business trusts created for the exclusive purpose of issuing 30-year capital trust preferred securities, and Pinnacle Financial and Pinnacle Bank have entered into certain other subordinated debt agreements. These instruments are outlined below as of December 31, 2020 (in thousands): Name Date Established Maturity Total Debt Outstanding Interest Rate at December 31, 2020 Coupon Structure Trust preferred securities Pinnacle Statutory Trust I December 29, 2003 December 30, 2033 $ 10,310 3.03 % 30-day LIBOR + 2.80% Pinnacle Statutory Trust II September 15, 2005 September 30, 2035 20,619 1.64 % 30-day LIBOR + 1.40% Pinnacle Statutory Trust III September 07, 2006 September 30, 2036 20,619 1.90 % 30-day LIBOR + 1.65% Pinnacle Statutory Trust IV October 31, 2007 September 30, 2037 30,928 3.07 % 30-day LIBOR + 2.85% BNC Capital Trust I April 03, 2003 April 15, 2033 5,155 3.49 % 30-day LIBOR + 3.25% BNC Capital Trust II March 11, 2004 April 07, 2034 6,186 3.09 % 30-day LIBOR + 2.85% BNC Capital Trust III September 23, 2004 September 23, 2034 5,155 2.64 % 30-day LIBOR + 2.40% BNC Capital Trust IV September 27, 2006 December 31, 2036 7,217 1.94 % 30-day LIBOR + 1.70% Valley Financial Trust I June 26, 2003 June 26, 2033 4,124 3.35 % 30-day LIBOR + 3.10% Valley Financial Trust II September 26, 2005 December 15, 2035 7,217 1.71 % 30-day LIBOR + 1.49% Valley Financial Trust III December 15, 2006 January 30, 2037 5,155 1.94 % 30-day LIBOR + 1.73% Southcoast Capital Trust III August 05, 2005 September 30, 2035 10,310 1.74 % 30-day LIBOR + 1.50% Subordinated Debt Pinnacle Bank Subordinated Notes July 30, 2015 July 30, 2025 60,000 3.34 % 3-month LIBOR + 3.128% Pinnacle Bank Subordinated Notes March 10, 2016 July 30, 2025 70,000 3.34 % 3-month LIBOR + 3.128% Pinnacle Financial Subordinated Notes November 16, 2016 November 16, 2026 120,000 5.25 % Fixed (1) Pinnacle Financial Subordinated Notes September 11, 2019 September 15, 2029 300,000 4.13 % Fixed (2) Debt issuance costs and fair value adjustment (12,420) Total subordinated debt and other borrowings $ 670,575 (1) Migrates to three (2) Migrates to three

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income tax expense (benefit) attributable to continuing operations	Income tax expense attributable to continuing operations for each of the years ended December 31 is as follows (in thousands): 2020 2019 2018 Current tax expense : Federal $ 98,082 $ 77,422 $ 73,921 State 19,270 4,538 4,822 Total current tax expense 117,352 81,960 78,743 Deferred tax expense: Federal (45,450) 12,446 10,162 State (12,865) 2,250 1,603 Total deferred tax (benefit) expense (58,315) 14,696 11,765 Total income tax expense $ 59,037 $ 96,656 $ 90,508
Income tax rate reconciliation	Pinnacle Financial's income tax expense differs from the amounts computed by applying the Federal income tax statutory rate of 21% to income before income taxes. A reconciliation of the differences for each of the years in the three-year period ended December 31, 2020 is as follows (in thousands): 2020 2019 2018 Income tax expense at statutory rate $ 77,985 $ 104,483 $ 94,489 State excise tax expense, net of federal tax effect 5,059 5,363 5,076 Tax-exempt securities (13,706) (11,078) (7,222) Federal tax credits (3,717) (1,704) (845) Bank owned life insurance (4,759) (3,646) (2,764) Insurance premiums (272) (238) (112) Excess tax benefits associated with equity compensation (417) (1,011) (2,966) Other items (1,136) 4,487 4,852 Income tax expense $ 59,037 $ 96,656 $ 90,508
Components of deferred income taxes included in other assets	The components of deferred income taxes included in other assets in the accompanying consolidated balance sheets at December 31, 2020 and 2019 are as follows (in thousands): 2020 2019 Deferred tax assets: Allowance for credit losses $ 72,316 $ 23,051 Loans 14,694 20,808 Insurance 690 673 Accrued liability for supplemental retirement agreements 7,457 7,308 Restricted stock and stock options 9,181 10,515 Cash flow hedge — 1,373 Equity method investment 171 425 Lease liability 23,894 22,782 Other real estate owned 2,287 691 Net federal operating loss carryforward and credits 1,796 5,954 Annual incentive compensation 8,712 12,626 Partnership interests 25,225 — Allowance for off balance sheet credit exposures 6,069 618 Other deferred tax assets 2,559 2,501 Total deferred tax assets 175,051 109,325 Deferred tax liabilities: Depreciation and amortization 14,418 12,455 Core deposit and other intangible assets 11,077 13,253 Securities 34,373 8,287 Cash flow hedge 19,627 — REIT dividends 1,366 1,650 FHLB related liabilities 1,798 925 Right-of-use assets and other leasing transactions 22,232 21,169 Subordinated debt 1,920 2,050 Partnership interests — 3,534 Other deferred tax liabilities 1,630 1,875 Total deferred tax liabilities 108,441 65,198 Net deferred tax assets $ 66,610 $ 44,127
Rollforward of uncertain tax positions	A reconciliation of the beginning and ending unrecognized tax benefit related to state uncertain tax positions is as follows (in thousands): 2020 2019 2018 Balance at January 1, $ 6,910 $ 5,083 $ 2,838 Increases due to tax positions taken during the current year 2,748 1,827 2,245 Increases due to tax positions taken during a prior year — — — Decreases due to the lapse of the statute of limitations during the current year — — — Decreases due to settlements with the taxing authorities during the current year — — — Balance at December 31, $ 9,658 $ 6,910 $ 5,083

Stock Options, Restricted Sha_2

Stock Options, Restricted Shares and Restricted Share Units (Tables)	12 Months Ended
	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
Summary of Stock Option Activity	A summary of stock option activity within the equity incentive plans during each of the years in the three-year period ended December 31, 2020 and information regarding expected vesting, contractual terms remaining, intrinsic values and other matters was as follows: Number Weighted-Average Exercise Price Weighted-Average Contractual Remaining Term (in years) Aggregate Intrinsic Value (1) (000's) Outstanding at December 31, 2017 276,468 $ 21.40 Granted — — Stock options exercised (97,877) 18.91 Forfeited — — Outstanding at December 31, 2018 178,591 $ 22.77 Granted — — Stock options exercised (59,317) 21.40 Forfeited — — Outstanding at December 31, 2019 119,274 $ 23.45 Granted — — Stock options exercised (17,505) 23.40 Forfeited — — Outstanding at December 31, 2020 101,769 $ 23.46 1.86 $ 4,169 Options exercisable at December 31, 2020 101,769 $ 23.46 1.86 $ 4,169 (1) The aggregate intrinsic value is calculated as the difference between the exercise price of the underlying awards and the quoted price of Pinnacle Financial Common Stock of $64.40 per common share at December 31, 2020 for the 101,769 options that were in-the-money at December 31, 2020.
Summary of Activity for Unvested Restricted Share Awards	A summary of activity for unvested restricted share awards for the years ended December 31, 2020, 2019, and 2018 follows: Number Grant Date Weighted-Average Cost Unvested at December 31, 2017 936,135 $ 50.08 Shares awarded 180,450 62.40 Conversion of previously awarded performance share units to restricted share awards 6,200 67.85 Restrictions lapsed and shares released to associates/directors (400,820) 46.33 Shares forfeited (29,159) 59.51 Unvested at December 31, 2018 692,806 $ 55.19 Shares awarded 245,845 55.25 Restrictions lapsed and shares released to associates/directors (348,145) 40.47 Shares forfeited (35,210) 58.22 Unvested at December 31, 2019 555,296 $ 57.04 Shares awarded 284,904 55.91 Restrictions lapsed and shares released to associates/directors (215,846) 55.39 Shares forfeited (29,685) 59.64 Unvested at December 31, 2020 594,669 $ 56.97 Pinnacle Financial grants restricted share awards to associates (including certain members of executive management) and outside directors with time-based vesting criteria. The following tables outline restricted stock grants that were made by grant year, grouped by similar vesting criteria, during the three-year period ended December 31, 2020. The table below reflects the life-to-date activity for these awards: Grant Group (1) Vesting Shares Restrictions Lapsed and shares released to participants Shares Withheld Shares Forfeited by participants (5) Shares Unvested Time Based Awards 2018 Associates (2) 3 — 5 147,601 38,972 16,923 17,358 74,348 2018 Associates (2) (3) 3 — 5 16,777 8,683 1,948 942 5,204 2019 Associates (2) 3 — 5 229,296 30,287 12,016 22,543 164,450 2020 Associates (2) 3 — 5 266,379 3,034 1,342 7,573 254,430 Outside Director Awards (4) 2018 Outside directors 1 16,072 12,783 3,289 — — 2019 Outside directors 1 16,549 14,582 1,967 — — 2020 Outside directors 1 18,525 — — — 18,525 (1) Groups include employees (referred to as associates above) and outside directors. When the restricted shares are awarded, a participant receives voting rights and forfeitable dividend rights with respect to the shares, but is not able to transfer the shares until the restrictions have lapsed. Once the restrictions lapse, the participant is taxed on the value of the award and may elect to sell some shares (or have Pinnacle Financial withhold some shares) to pay the applicable income taxes associated with the award. Alternatively, the recipient can pay the withholding taxes in cash. For time-based vesting restricted share awards, dividends paid on shares for which the forfeiture restrictions do not lapse will be recouped by Pinnacle Financial at the time of termination. For awards to Pinnacle Financial's directors, dividends are placed into escrow until the forfeiture restrictions on such shares lapse. (2) The forfeiture restrictions on these restricted share awards lapse in equal annual installments on the anniversary date of the grant. (3) Restricted share awards issued to associates that were former associates of BNC and to Pinnacle Financial's Chairman of the Carolinas and Virginia pursuant to legacy BNC incentive plans assumed by Pinnacle Financial. (4) Restricted share awards are issued to the outside members of the board of directors in accordance with their board compensation plan. Restrictions on those awards granted in 2020 lapse on February 28, 2021 based on each individual board member meeting their attendance goals for the various board and board committee meetings to which each member was scheduled to attend. (5) These shares represent forfeitures resulting from recipients whose employment or board membership is terminated during each of the years in the three-year period ended December 31, 2020 or for which the performance criteria applicable to the award are not achieved. Any dividends paid on shares for which the forfeiture restrictions do not lapse will be recouped by Pinnacle Financial at the time of termination or will not be distributed from escrow, as applicable.
Restricted Share Unit Awards Outstanding	Units Awarded Applicable Performance Periods associated with each tranche (fiscal year) Service period per tranche Subsequent Period in which units to be settled into shares of common stock (2) Grant year Named Executive Officers (NEOs) (1) Leadership Team other than NEOs 2020 136,137 — 204,220 59,648 2020 2 3 2025 2021 2 2 2025 2022 2 1 2025 2019 166,211 — 249,343 52,244 2019 2 3 2024 2020 2 2 2024 2021 2 1 2024 2018 96,878 — 145,339 25,990 2018 2 3 2023 2019 2 2 2023 2020 2 1 2023 2017 72,537 — 109,339 24,916 2017 2 3 2022 2018 2 2 2022 2019 2 1 2022 2016 73,474 — 110,223 26,683 2016 2 3 2021 2017 2 2 2021 2018 2 1 2021 (1) The named executive officers are awarded a range of awards that may be earned based on attainment of goals at a target level of performance to a maximum level of performance. (2) Restricted share unit awards, if earned, will be settled in shares of Pinnacle Financial Common Stock in the periods noted in the table, if Pinnacle Bank's ratio of non-performing assets to its loans plus OREO is less than amounts established in the applicable award agreement.
Schedule of Share Based Compensation Expense	A summary of stock compensation expense, net of the impact of income taxes, related to restricted share awards and perfomance-based vesting restricted share unit awards for the three-year period ended December 31, 2020, follows (in thousands): 2020 2019 2018 Restricted stock expense $ 18,737 $ 21,226 $ 17,636 Income tax benefit 4,898 5,548 4,610 Restricted stock expense, net of income tax benefit $ 13,839 $ 15,678 $ 13,026

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Interest Rate Swaps	Non-hedge derivatives For derivatives not designated as hedges, the gain or loss is recognized in current period earnings. Pinnacle Financial enters into interest rate swaps (swaps) to facilitate customer transactions and meet their financing needs. Upon entering into these instruments to meet customer needs, Pinnacle Financial enters into offsetting positions in order to minimize the risk to Pinnacle Financial. These swaps qualify as derivatives, but are not designated as hedging instruments. The income statement impact of the offsetting positions is limited to changes in the reserve for counterparty credit risk. A summary of Pinnacle Financial's interest rate swaps to facilitate customer transactions as of December 31, 2020 and 2019 is included in the following table (in thousands): December 31, 2020 December 31, 2019 Notional Estimated Fair Value Notional Amount Estimated Fair Value Interest rate swap agreements: Assets $ 1,565,916 $ 101,602 $ 1,296,389 $ 43,507 Liabilities 1,565,916 (102,919) 1,296,389 (43,715) Total $ 3,131,832 $ (1,317) $ 2,592,778 $ (208) Amount of Gain (Loss) Recognized in Income Location of Gain (Loss) Recognized in Income Year ended December 31, 2020 2019 2018 Interest rate swap agreements Other noninterest income $ (1,109) $ (80) $ (33)
Schedule of Derivative Instruments	Derivatives designated as cash flow hedges For derivative instruments that are designated and qualify as a cash flow hedge, the aggregate fair value of the derivative instrument is recorded in other assets or other liabilities with any gain or loss related to changes in fair value recorded in accumulated other comprehensive income, net of tax. The gain or loss is reclassified into earnings in the same period during which the hedged asset or liability affects earnings and is presented in the same income statement line item as the earnings effect of the hedged asset or liability. Pinnacle Financial uses forward cash flow hedge relationships in an effort to manage future interest rate exposure. The hedging strategy converts the LIBOR-based variable interest rate on forecasted borrowings to a fixed interest rate and is used in an effort to protect Pinnacle Financial from floating interest rate variability. A summary of Pinnacle Financial's cash flow hedge relationships as of December 31, 2020 and 2019 are as follows (in thousands): December 31, 2020 December 31, 2019 Balance Sheet Location Weighted Average Remaining Maturity (In Years) Weighted Average Pay Rate Receive Rate Notional Estimated Notional Estimated Asset derivatives Interest rate floor - loans Other assets 3.93 —% 2.25% minus 1 month LIBOR $ 1,500,000 $ 124,585 $ 2,800,000 $ 87,422 Liability derivatives Interest rate swaps - borrowings Other liabilities — —% N/A $ — $ — $ 99,000 $ (3,312) The effects of Pinnacle Financial's cash flow hedge relationships on the statement of comprehensive income (loss) during the years ended December 31, 2020, 2019 and 2018 were as follows (in thousands): Amount of Gain (Loss) Recognized in Other Comprehensive Income Years ended December 31, 2020 2019 2018 Asset derivatives Interest rate floor - loans $ 62,979 $ (1,432) $ — Liability derivatives Interest rate swaps - borrowings $ 2,447 $ (1,149) $ 2,660 $ 65,426 $ (2,581) $ 2,660 The cash flow hedges were determined to be highly effective during the periods presented and as a result qualify for hedge accounting treatment. If a hedge was deemed to be ineffective, the amount included in accumulated other comprehensive (loss) income would be reclassified into a line item within the statement of income that impacts operating results. The hedge would no longer be considered effective if a portion of the hedge becomes ineffective, the item hedged is no longer in existence or Pinnacle Financial discontinues hedge accounting. Pinnacle Financial expects the hedges to continue to be highly effective and qualify for hedge accounting during the remaining terms of the swaps. Losses on cash flow hedges totaling $5.5 million and $1.6 million, net of tax, were reclassified from other comprehensive income (loss) into net income during the years ended December 31, 2020 and 2019, respectively. Gains on cash flow hedges totaling $657,000, net of tax, were reclassified from accumulated other comprehensive income (loss) into net income during the year ended December 31, 2018. During the first quarter of 2020, loan interest rate floors entered into in the second quarter of 2019 with a notional amount totaling $1.3 billion and unrealized gains totaling $16.5 million were terminated. These unrealized gains are being amortized into net income on a straight line basis through October 2021. Approximately $6.6 million in unrealized gains, net of tax, are expected to be reclassified from accumulated other comprehensive income (loss) into net income over the next twelve months. On December 16, 2020, cash flow swaps with a notional amount of $99.0 million were terminated resulting in the reclassification of $4.7 million of unrealized losses out of other comprehensive income (loss) into net income. Derivatives designated as fair value hedges For derivative instruments that are designated and qualify as a fair value hedge, the gain or loss on the derivative instrument as well as the offsetting loss or gain on the hedged asset or liability attributable to the hedged risk are recognized in current earnings. The gain or loss on the derivative instrument is presented on the same income statement line item as the earnings effect of the hedged item. Pinnacle Financial utilizes interest rate swaps designated as fair value hedges to mitigate the effect of changing interest rates on the fair values of fixed rate callable securities available-for-sale. The hedging strategy on securities converts the fixed interest rates to LIBOR-based variable interest rates. These derivatives are designated as partial term hedges of selected cash flows covering specified periods of time prior to the call dates of the hedged securities. A summary of Pinnacle Financial's fair value hedge relationships as of December 31, 2020 and 2019 are as follows (in thousands): December 31, 2020 December 31, 2019 Balance Sheet Location Weighted Average Remaining Maturity (In Years) Weighted Average Pay Rate Receive Rate Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value Asset derivatives Interest rate swap agreements - securities Other assets 8.59 0.58% Federal funds $ 231,421 $ 4,696 $ — $ — Liability derivatives Interest rate swap agreements - securities Other liabilities 6.04 3.08% 3 month LIBOR 477,510 (72,010) 477,905 (40,778) $ 708,931 $ (67,314) $ 477,905 $ (40,778) The effects of Pinnacle Financial's fair value hedge relationships on the income statement during the years end December 31, 2020, 2019 and 2018 were as follows (in thousands): Location of Gain Amount of Gain Recognized in Income Year ended December 31, Liability derivatives 2020 2019 2018 Interest rate swap agreements - securities Interest income on securities $ (26,536) $ (25,982) $ (14,796) Interest rate swap agreements - loans Interest income on loans $ — $ (6,915) $ (7,037) Location of Loss Amount of Loss Recognized in Income Years ended December 31, Liability derivatives 2020 2019 2018 Interest rate swap agreements - securities Interest income on securities $ 26,536 $ 25,982 $ 14,796 Interest rate swap agreements - loans Interest income on loans $ — $ 6,915 $ 7,037 The following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges at December 31, 2020 and 2019 (in thousands): Carrying Amount of the Hedged Assets Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets December 31, 2020 December 31, 2019 December 31, 2020 December 31, 2019 Line item on the balance sheet Securities available-for-sale $ 841,543 $ 551,789 $ 67,314 $ 40,778

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following tables present the financial instruments carried at fair value on a recurring basis as of December 31, 2020 and 2019, by caption on the consolidated balance sheets and by FASB ASC 820 valuation hierarchy (as described above) (in thousands): Total carrying value in the consolidated balance sheet Quoted market prices in an active market Models with significant observable market parameters Models with significant unobservable market parameters December 31, 2020 Investment securities available-for-sale: U.S. treasury securities $ 82,209 $ — $ 82,209 $ — U.S. government agency securities 76,403 — 76,403 — Mortgage-backed securities 1,689,191 — 1,689,191 — State and municipal securities 1,443,363 — 1,427,866 15,497 Asset-backed securities 177,936 — 177,936 — Corporate notes and other 117,579 — 117,579 — Total investment securities available-for-sale 3,586,681 — 3,571,184 15,497 Other investments 73,395 — 25,636 47,759 Other assets 242,470 — 242,470 — Total assets at fair value $ 3,902,546 $ — $ 3,839,290 $ 63,256 Other liabilities $ 177,025 $ — $ 177,025 $ — Total liabilities at fair value $ 177,025 $ — $ 177,025 $ — December 31, 2019 Investment securities available-for-sale: U.S. treasury securities $ 72,867 $ — $ 72,867 $ — U.S. government agency securities 79,692 — 79,692 — Mortgage-backed securities 1,463,907 — 1,463,907 — State and municipal securities 1,714,453 — 1,698,550 15,903 Asset-backed securities 152,972 — 152,972 — Corporate notes and other 56,104 — 56,104 — Total investment securities available-for-sale 3,539,995 — 3,524,092 15,903 Other investments 63,291 — 25,135 38,156 Other assets 134,040 — 134,040 — Total assets at fair value $ 3,737,326 $ — $ 3,683,267 $ 54,059 Other liabilities $ 87,613 $ — $ 87,613 $ — Total liabilities at fair value $ 87,613 $ — $ 87,613 $ —
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis	The following table presents assets measured at fair value on a nonrecurring basis as of December 31, 2020 and 2019 (in thousands): December 31, 2020 Total carrying value in the consolidated balance sheet Quoted market prices in an active market Models with significant observable market parameters Models with significant unobservable market Other real estate owned $ 12,360 $ — $ — $ 12,360 Collateral dependent loans (1) 43,795 — — 43,795 Total $ 56,155 $ — $ — $ 56,155 December 31, 2019 Other real estate owned $ 29,487 $ — $ — $ 29,487 Impaired loans, net (1) 32,477 — — 32,477 Total $ 61,964 $ — $ — $ 61,964 (1) The carrying value of collateral dependent loans at December 31, 2020 is net of a valuation allowance of $3.5 million, and the carrying value of impaired loans at December 31, 2019 is net of a valuation allowance of $3.3 million.
Rollforward of the Balance Sheet Amounts, Unobservable Input Reconciliation	For the year ended December 31, 2020 2019 Available-for-sale Securities Other Other Available-for-sale Securities Other Other Fair value, Jan. 1 $ 15,903 $ 38,156 $ — $ 14,595 $ 26,422 $ — Total net realized gains (losses) included in income 110 1,067 — 116 2,785 — Change in unrealized gains/losses included in other comprehensive income for assets and liabilities still held at Dec. 31 627 — — 2,710 — — Purchases — 11,663 — — 11,297 — Issuances — — — — — — Settlements (1,143) (3,127) — (1,518) (2,348) — Transfers out of Level 3 — — — — — — Fair value, Dec. 31 $ 15,497 $ 47,759 $ — $ 15,903 $ 38,156 $ — Total realized gains (losses) included in income related to financial assets and liabilities still on the consolidated balance sheet at Dec. 31 $ 110 $ 1,067 $ — $ 116 $ 2,785 $ —
Carrying Amounts, Estimated Fair Value and Placement in the Fair Value Hierarchy of Financial Instruments	The following table presents the carrying amounts, estimated fair value and placement in the fair value hierarchy of Pinnacle Financial's financial instruments at December 31, 2020 and 2019. This table excludes financial instruments for which the carrying amount approximates fair value. For short-term financial assets such as cash, cash equivalents, and restricted cash, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For financial liabilities such as non-interest bearing demand, interest-bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity (in thousands). December 31, 2020 Carrying/ Estimated Fair Value (1) Quoted market prices in an active market Models with significant observable market parameters Models with significant unobservable market Financial assets: Securities held-to-maturity $ 1,028,359 $ 1,066,531 $ — $ 1,066,531 $ — Loans, net 22,139,451 22,407,546 — — 22,407,546 Consumer loans held-for-sale 87,821 89,625 — 89,625 — Commercial loans held-for-sale 31,200 31,841 — 31,841 — Financial liabilities: Deposits and securities sold under agreements to repurchase 27,833,739 26,929,142 — — 26,929,142 Federal Home Loan Bank advances 1,087,927 1,189,035 — — 1,189,035 Subordinated debt and other borrowings 670,575 677,521 — — 677,521 Off-balance sheet instruments: Commitments to extend credit (2) 9,692,607 24,887 — — 24,887 December 31, 2019 Financial assets: Securities held-to-maturity $ 188,996 $ 201,217 $ — $ 201,217 $ — Loans, net 19,693,099 19,171,845 — — 19,717,845 Consumer loans held-for-sale 81,820 82,986 — 82,986 — Commercial loans held-for-sale 17,585 17,836 — 17,836 — Financial liabilities: Deposits and securities sold under agreements to repurchase 20,307,382 19,647,392 — — 19,647,392 Federal Home Loan Bank advances 2,062,534 2,078,514 — — 2,078,514 Subordinated debt and other borrowings 749,080 712,220 — — 712,220 Off-balance sheet instruments: Commitments to extend credit (2) 8,141,920 3,786 — — 3,786 (1) Estimated fair values are consistent with an exit-price concept. The assumptions used to estimate the fair values are intended to approximate those that a market-participant would realize in a hypothetical orderly transaction. (2) At the end of each period, Pinnacle Financial evaluates the inherent risks of the outstanding off-balance sheet commitments, including both commitments for unfunded loans and standby letters of credit. In making this evaluation, Pinnacle Financial utilizes credit loss expectations on funded loans from our allowance for credit losses methodology and evaluates the probability that the outstanding commitment will eventually become a funded loan .

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2020
Variable Interest Entities [Abstract]
Summary of Variable Interest Entities	December 31, 2020 December 31, 2019 Type Maximum Liability Maximum Liability Classification Low Income Housing Partnerships $ 143,190 $ — $ 100,885 $ — Other Assets Trust Preferred Issuances N/A 132,995 N/A 132,995 Subordinated Debt Commercial Troubled Debt Restructurings 180 — 828 — Loans Managed Discretionary Trusts N/A N/A N/A N/A N/A

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2020
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary of Regulatory Capital Requirement	Management believes, as of December 31, 2020, that Pinnacle Financial and Pinnacle Bank met all capital adequacy requirements to which they are subject. To be categorized as well-capitalized under applicable banking regulations, Pinnacle Financial and Pinnacle Bank must maintain certain total, Tier 1, common equity Tier 1 and Tier 1 leverage capital ratios as set forth in the following table and not be subject to a written agreement, order or directive to maintain a higher capital level. The capital conservation buffer is not included in the required ratios of the table presented below. Pinnacle Financial's and Pinnacle Bank's actual capital amounts and ratios are presented in the following table (in thousands): Actual Minimum Capital Minimum Amount Ratio Amount Ratio Amount Ratio December 31, 2020 Total capital to risk weighted assets: Pinnacle Financial $ 3,678,405 14.3 % $ 2,063,352 8.0 % $ 2,579,190 10.0 % Pinnacle Bank $ 3,259,538 12.7 % $ 2,055,892 8.0 % $ 2,569,865 10.0 % Tier 1 capital to risk weighted assets: Pinnacle Financial $ 2,803,541 10.9 % $ 1,547,514 6.0 % $ 2,063,352 8.0 % Pinnacle Bank $ 2,933,674 11.4 % $ 1,541,919 6.0 % $ 2,055,892 8.0 % Common equity Tier 1 capital: Pinnacle Financial $ 2,586,292 10.0 % $ 1,160,635 4.5 % N/A N/A Pinnacle Bank $ 2,933,551 11.4 % $ 1,156,439 4.5 % $ 1,670,412 6.5 % Tier 1 capital to average assets (*): Pinnacle Financial $ 2,803,541 8.6 % $ 1,298,756 4.0 % N/A N/A Pinnacle Bank $ 2,933,674 9.1 % $ 1,294,033 4.0 % $ 1,617,541 5.0 % Actual Minimum Capital Minimum Amount Ratio Amount Ratio Amount Ratio December 31, 2019 Total capital to risk weighted assets: Pinnacle Financial $ 3,159,375 13.2 % $ 1,912,885 8.0 % $ 2,391,106 10.0 % Pinnacle Bank $ 2,906,853 12.2 % $ 1,906,839 8.0 % $ 2,383,549 10.0 % Tier 1 capital to risk weighted assets: Pinnacle Financial $ 2,319,234 9.7 % $ 1,434,664 6.0 % $ 1,912,885 8.0 % Pinnacle Bank $ 2,679,713 11.2 % $ 1,430,129 6.0 % $ 1,906,839 8.0 % Common equity Tier 1 capital: Pinnacle Financial $ 2,319,112 9.7 % $ 1,075,998 4.5 % N/A N/A Pinnacle Bank $ 2,679,590 11.2 % $ 1,072,597 4.5 % $ 1,549,307 6.5 % Tier 1 capital to average assets (*): Pinnacle Financial $ 2,319,234 9.1 % $ 1,021,836 4.0 % N/A N/A Pinnacle Bank $ 2,679,713 10.5 % $ 1,019,210 4.0 % $ 1,274,012 5.0 % (*) Average assets for the above calculations were based on the most recent quarter.

Parent Company Only Financial_2

Parent Company Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
CONDENSED BALANCE SHEETS	CONDENSED BALANCE SHEETS 2020 2019 Assets: Cash and cash equivalents $ 275,888 $ 182,091 Investments in bank subsidiaries 4,972,160 4,653,310 Investments in consolidated subsidiaries 9,322 7,816 Investment in unconsolidated subsidiaries: Statutory Trusts 3,995 3,995 Other investments 113,445 97,459 Current income tax receivable 51,621 11,696 Other assets 25,747 29,566 $ 5,452,178 $ 4,985,933 Liabilities and stockholders' equity: Income taxes payable to subsidiaries — 2,467 Subordinated debt and other borrowings 541,286 620,256 Other liabilities 6,281 7,462 Stockholders' equity 4,904,611 4,355,748 $ 5,452,178 $ 4,985,933
CONDENSED STATEMENTS OF OPERATIONS	CONDENSED STATEMENTS OF OPERATIONS 2020 2019 2018 Revenues: Income from bank subsidiaries $ 119,065 $ 113,982 $ 83,090 Income from nonbank subsidiaries 119 178 170 Income from equity method investment 22,587 24,298 13,731 Other income 3,861 3,485 1,310 Expenses: Interest expense 23,877 18,425 17,703 Personnel expense, including stock compensation 18,737 21,226 17,636 Other expense 2,905 1,496 1,312 Income before income taxes and equity in undistributed income of subsidiaries 100,113 100,796 61,650 Income tax benefit (5,370) (4,457) (8,570) Income before equity in undistributed income of subsidiaries 105,483 105,253 70,220 Equity in undistributed income of bank subsidiaries 205,327 294,354 288,728 Equity in undistributed income of nonbank subsidiaries 1,511 1,274 492 Net income $ 312,321 $ 400,881 $ 359,440 Preferred stock dividends 7,596 — — Net income available to common shareholders $ 304,725 $ 400,881 $ 359,440
CONDENSED STATEMENTS OF CASH FLOWS	CONDENSED STATEMENTS OF CASH FLOWS 2020 2019 2018 Operating activities : Net income $ 312,321 $ 400,881 $ 359,440 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Amortization and accretion 1,122 (3,094) 105 Stock-based compensation expense 18,737 21,226 17,636 Increase (decrease) in income tax payable, net (2,467) 2,467 (24) Deferred tax expense (benefit) 3,876 (2,857) (549) Income from equity method investments, net (22,587) (24,298) (13,731) Dividends received from equity method investment 9,251 8,953 5,872 Excess tax benefit from stock compensation (417) (1,011) (2,966) Gain on other investments (195) (1,057) (209) Decrease (increase) in other assets (39,981) 7,295 4,390 Increase (decrease) in other liabilities (764) 5,322 2,758 Equity in undistributed income of bank subsidiary (205,327) (294,354) (288,728) Equity in undistributed income of nonbank subsidiary (1,511) (1,274) (492) Net cash provided by operating activities 72,058 118,199 83,502 Investing activities : Investment in consolidated banking subsidiaries — (180,000) — Increase in other investments (2,454) (1,411) (2,321) Net cash used in investing activities (2,454) (181,411) (2,321) Financing activities : Proceeds from subordinated debt and other borrowings, net of issuance costs (93) 316,078 19,850 Repayment of other borrowings (80,000) (49,880) (620) Issuance of common stock pursuant to restricted stock unit agreement, net of shares withheld for taxes (2,488) — — Exercise of common stock options, net of repurchase of restricted shares (2,577) (3,694) (5,071) Issuance of preferred stock, net of issuance costs 217,126 — — Repurchase of common stock (50,790) (61,416) (20,694) Common dividends paid (49,389) (49,828) (45,454) Preferred stock dividends paid (7,596) — — Net cash provided by (used in) financing activities 24,193 151,260 (51,989) Net increase in cash 93,797 88,048 29,192 Cash and cash equivalents, beginning of year 182,091 94,043 64,851 Cash and cash equivalents, end of year $ 275,888 $ 182,091 $ 94,043

Quarterly Financial Results (_2

Quarterly Financial Results (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2020
Quarterly Financial Information Disclosure [Abstract]
Summary of Selected Consolidated Quarterly Financial Data	A summary of selected consolidated quarterly financial data for each of the years in the three-year period ended December 31, 2020 follows: (in thousands, except per share data) First Second Third Fourth 2020 Interest income $ 263,069 $ 251,738 $ 249,188 $ 257,047 Net interest income 193,552 200,657 206,594 220,985 Provision for credit losses 99,889 68,332 16,333 7,180 Net income before taxes 26,691 73,674 137,049 133,944 Net income 28,356 62,444 110,645 110,876 Net income available to common shareholders 28,356 62,444 106,847 107,078 Basic net income per share $ 0.37 $ 0.83 $ 1.42 $ 1.42 Diluted net income per share $ 0.37 $ 0.83 $ 1.42 $ 1.42 2019 Interest income $ 257,883 $ 265,851 $ 275,749 $ 268,453 Net interest income 187,246 188,918 195,806 194,172 Provision for credit losses 7,184 7,195 8,260 4,644 Net income before taxes 117,074 124,719 137,224 118,520 Net income available to common shareholders 93,960 100,321 110,521 96,079 Basic net income per share $ 1.22 $ 1.31 $ 1.45 $ 1.26 Diluted net income per share $ 1.22 $ 1.31 $ 1.44 $ 1.26 2018 Interest income $ 211,528 $ 230,984 $ 248,110 $ 256,095 Net interest income 174,471 182,236 189,420 190,215 Provision for credit losses 6,931 9,402 8,725 9,319 Net income before taxes 103,143 109,865 118,183 118,757 Net income available to common shareholders 83,510 86,865 93,747 95,318 Basic net income per share $ 1.08 $ 1.13 $ 1.22 $ 1.24 Diluted net income per share $ 1.08 $ 1.12 $ 1.21 $ 1.23

Other Income and Expenses (Tabl

Other Income and Expenses (Tables)	12 Months Ended
	Dec. 31, 2020
Other Noninterest Income and Noninterest Expense [Abstract]
Other Noninterest Income	Years ended 2020 2019 2018 Other noninterest income: Interchange and other consumer fees $ 40,960 $ 36,158 $ 28,720 Bank-owned life insurance 18,784 17,361 12,535 Loan swap fees 4,568 4,758 4,043 SBA loan sales 5,579 4,933 4,604 Gain on other equity investments 1,072 2,789 2,778 Other noninterest income 11,940 4,838 4,091 Total other noninterest income $ 82,903 $ 70,837 $ 56,771
Other Noninterest Expense	Other noninterest expense: Deposit related expenses $ 24,392 $ 17,017 $ 22,768 Lending related expenses 40,784 24,573 19,428 Wealth management related expenses 2,053 1,986 1,837 Audit, exam and insurance expense 10,596 9,194 7,791 FHLB restructuring charges 15,168 — — Administrative and other expenses 23,725 18,906 16,036 Total other noninterest expense $ 116,718 $ 71,676 $ 67,860

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Details)	Jan. 01, 2020USD ($)	Jul. 02, 2019USD ($)	Jan. 01, 2019USD ($)	Mar. 01, 2016USD ($)	Dec. 31, 2020USD ($)$ / shares	Sep. 30, 2020USD ($)$ / shares	Jun. 30, 2020USD ($)$ / shares	Mar. 31, 2020USD ($)$ / shares	Dec. 31, 2019USD ($)$ / shares	Sep. 30, 2019USD ($)$ / shares	Jun. 30, 2019USD ($)$ / shares	Mar. 31, 2019USD ($)$ / shares	Dec. 31, 2018USD ($)$ / sharesshares	Sep. 30, 2018USD ($)$ / shares	Jun. 30, 2018USD ($)$ / shares	Mar. 31, 2018USD ($)$ / shares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)$ / sharesshares		Dec. 31, 2018USD ($)$ / sharesshares	Dec. 31, 2017shares	Dec. 31, 2020USD ($)marketshares	Dec. 31, 2019USD ($)shares
Accounting Policies [Abstract]
Number of Markets in Which Entity Operates | market																						12
Goodwill [Roll Forward]
Balance at December 31, 2019	$ 1,819,811,000							$ 1,819,811,000									$ 1,819,811,000
Goodwill, Acquired During Period																	0
Balance at December 31, 2020					$ 1,819,811,000				$ 1,819,811,000								1,819,811,000	$ 1,819,811,000
Finite-lived Intangible Assets [Roll Forward]
Balance at December 31, 2019	51,130,000							51,130,000									51,130,000
Acquisitions																	1,000,000
Amortization																	(9,793,000)	(9,908,000)		$ (10,549,000)
Balance at December 31, 2020					42,336,000				51,130,000								42,336,000	51,130,000
Balance at December 31, 2019	1,870,941,000							1,870,941,000									1,870,941,000
Acquisitions																	1,000,000
Amortization																	(9,793,000)
Balance at December 31, 2020					1,862,147,000				1,870,941,000								1,862,147,000	1,870,941,000
Finite-Lived Intangible Assets, Net [Abstract]
Finite-Lived Intangible Assets, Gross																						$ 108,665,000	$ 107,665,000
Accumulated amortization																						(66,329,000)	(56,535,000)
Net book value	51,130,000				42,336,000			51,130,000	51,130,000								$ 42,336,000	51,130,000				42,336,000	51,130,000
Cash Equivalents and Cash Flows [Abstract]
Cash equivalents maturity period																	90 days
Cash Payments [Abstract]
Interest																	$ 215,888,000	287,272,000		199,464,000
Income taxes paid																	110,798,000	86,960,000		55,626,000
Noncash Transactions [Abstract]
Loans charged-off to the allowance for credit losses																	(49,333,000)	(28,467,000)		(30,400,000)
Real Estate Owned, Transfer to Real Estate Owned																	3,436,000	17,937,000		3,524,000
Loans foreclosed upon with repossessions transferred to other repossessed assets																	25,000	93,000		1,899,000
Other Real Estate Sales Financed																	0	871,000		891,000
Fixed assets transferred to other real estate																	0	8,182,000		0
Available-for-sale securities transferred to Held-to-Maturity								873,600,000						$ 179,800,000			873,613,000	0		179,763,000
Held-for-sale loans transferred to held-for-investment loan portfolios																	0	0		44,980,000
Right of Use Assets Recognized																	15,820,000	90,927,000	[1]	0
Loans [Abstract]
Loans and Leases Receivable, Deferred Income																						$ 53,200,000	13,700,000
Percentage of loan portfolio assigned specific risk rating																						81.40%
Other Assets [Abstract]
Premises and equipment, net																						$ 290,001,000	273,932,000
Amortization																	2,300,000	2,700,000		3,000,000
Cash surrender value of life insurance																						743,900,000	652,700,000
Bank-owned life insurance																	18,784,000	17,361,000		12,535,000
investments are included in CRA investments																						143,200,000	100,900,000
Investments as per community reinvestment act																						90,200,000	58,400,000
Variable Interest Entity [Line Items]
Federal Reserve Bank and Federal Home Loan Bank (FHLB) stock																						80,400,000	80,400,000
Other Investments																						$ 47,800,000	38,200,000
Gain (loss) due to change in fair value of investments																	1,100,000	2,800,000		2,700,000
Number of trusts investment																						12
Value of investments with trust companies																						$ 308,556,000	278,037,000
Other Real Estate Owned [Abstract]
Other real estate owned																						12,400,000	30,300,000
Valuation allowance related to other real estate owned																						0	772,000
Foreclosed real estate expense																	$ 8,600,000	$ 4,200,000		$ 723,000
Income Tax Contingency [Line Items]
Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued																						$ (571,000)	$ 0
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options outstanding (in shares) | shares													178,591							178,591	276,468	101,769	119,274
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements | shares																	277,896	399,600		338,545
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | shares																	394,593	160,492		253,193
Basic earnings per share calculation [Abstract]
Numerator - Net income (loss) available to common stockholders					$ 107,078,000	$ 106,847,000	$ 62,444,000	$ 28,356,000	$ 96,079,000	$ 110,521,000	$ 100,321,000	$ 93,960,000	$ 95,318,000	$ 93,747,000	$ 86,865,000	$ 83,510,000	$ 304,725,000	$ 400,881,000		$ 359,440,000
Denominator - Weighted average common shares outstanding (in shares) | shares																	75,376,489	76,364,303		77,111,372
Basic net income per common share (in dollars per share) | $ / shares					$ 1.42	$ 1.42	$ 0.83	$ 0.37	$ 1.26	$ 1.45	$ 1.31	$ 1.22	$ 1.24	$ 1.22	$ 1.13	$ 1.08	$ 4.04	$ 5.25		$ 4.66
Diluted net income per share calculation [Abstract]
Numerator - Net income (loss) available to common stockholders					$ 107,078,000	$ 106,847,000	$ 62,444,000	$ 28,356,000	$ 96,079,000	$ 110,521,000	$ 100,321,000	$ 93,960,000	$ 95,318,000	$ 93,747,000	$ 86,865,000	$ 83,510,000	$ 304,725,000	$ 400,881,000		$ 359,440,000
Denominator - Weighted average common shares outstanding (in shares) | shares																	75,376,489	76,364,303		77,111,372
Dilutive shares (in shares) | shares																	277,896	399,600		338,545
Weighted average diluted common shares outstanding (in shares) | shares																	75,654,385	76,763,903		77,449,917
Diluted net income per common share (in dollars per share) | $ / shares					$ 1.42	$ 1.42	$ 0.83	$ 0.37	$ 1.26	$ 1.44	$ 1.31	$ 1.22	$ 1.23	$ 1.21	$ 1.12	$ 1.08	$ 4.03	$ 5.22		$ 4.64
New Accounting Pronouncements or Change in Accounting Principle
Right of Use Assets Recognized																	$ 15,820,000	$ 90,927,000	[1]	$ 0
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)																	$ 38,102,000
Premises and Equipment | Minimum
Premises and Equipment and Leaseholds [Abstract]
Premises and equipment, useful life																	3 years
Premises and Equipment | Maximum
Premises and Equipment and Leaseholds [Abstract]
Premises and equipment, useful life																	30 years
Computer Software, Intangible Asset
Other Assets [Abstract]
Premises and equipment, net																						$ 4,500,000	$ 6,000,000
Computer Software, Intangible Asset | Minimum
Premises and Equipment and Leaseholds [Abstract]
Premises and equipment, useful life																	3 years
Computer Software, Intangible Asset | Maximum
Premises and Equipment and Leaseholds [Abstract]
Premises and equipment, useful life																	7 years
Bankers Healthcare Group, LLC
Schedule of Equity Method Investments [Line Items]
Equity Method Investment, Ownership Percentage																						49.00%
Business Acquisition [Line Items]
Cash paid to redeem common stock				$ 74,100,000
Finite-lived Intangible Assets [Roll Forward]
Amortization																	$ (1,200,000)	$ (1,900,000)		$ (2,800,000)
Internal Revenue Service (IRS) | Minimum
Income Tax Contingency [Line Items]
Tax year open to audit under the statute of limitation																					2017
Internal Revenue Service (IRS) | Maximum
Income Tax Contingency [Line Items]
Tax year open to audit under the statute of limitation																	2020
Variable Interest Entity, Primary Beneficiary
Variable Interest Entity [Line Items]
Value of investments with trust companies																						$ 4,000,000
Advocate Capital
Business Acquisition [Line Items]
Cash paid to redeem common stock		$ 59,000,000
Loans, net of allowance for loan losses		45,600,000
Borrowings		$ 134,300,000
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options outstanding (in shares) | shares																						101,769
Accounting Standards Update 2016-02
Noncash Transactions [Abstract]
Right of Use Assets Recognized			$ 79,900,000
New Accounting Pronouncements or Change in Accounting Principle
Right of Use Assets Recognized			$ 79,900,000
Accounting Standards Update 2016-13
New Accounting Pronouncements or Change in Accounting Principle
Cumulative effect of change in accounting principle								$ 31,800,000
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	34,300,000
Off-Balance Sheet, Credit Loss, Liability	8,800,000
Deferred Taxes Recorded due to Cumulative Change in Accounting Principle	11,300,000
Financing Receivable, Allowance for Credit Loss, Purchased with Credit Deterioration, Increase	$ 3,800,000
[1]	Includes $79.9 million recognized upon initial adoption of ASU 2016-02 on January 1, 2019.

Equity method investment Equity

Equity method investment Equity method investment - Financial Position and Results of Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Schedule of Equity Method Investments [Line Items]
Assets	$ 34,932,860	$ 27,805,496
Liabilities	30,028,249	23,449,748
Total liabilities and stockholders' equity	34,932,860	27,805,496
Bankers Healthcare Group, LLC
Schedule of Equity Method Investments [Line Items]
Assets	1,330,317	840,398
Liabilities	1,088,135	641,037
Equity interests	242,182	199,361
Total liabilities and stockholders' equity	1,330,317	840,398
Bankers Healthcare Group, LLC
Schedule of Equity Method Investments [Line Items]
Revenues	457,928	366,500	$ 220,253
Income before income taxes and equity in undistributed income of subsidiaries	$ 171,964	$ 182,462	$ 104,297

Equity method investment (Detai

Equity method investment (Details) - USD ($) $ in Thousands	Mar. 01, 2016	Feb. 01, 2015	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Schedule of Equity Method Investments [Line Items]
Core deposits and other intangible assets			$ 42,336	$ 51,130
Amortization of intangibles			9,793	9,908	$ 10,549
Dividends received from equity method investment			53,020	51,312	33,651
Payments to Acquire Loans Held-for-investment			$ 100,000
Bankers Healthcare Group, LLC
Schedule of Equity Method Investments [Line Items]
Equity Method Investment, Ownership Percentage			49.00%
Payments to Acquire Businesses, Gross	$ 74,100
Additional ownership percentage	19.00%
Core deposits and other intangible assets			$ 7,600	8,800
Amortization of intangibles			1,200	1,900	2,800
Accretion income			2,100	2,600	2,900
Accretable discount			2,700	4,800
Common stock issued (in shares)	860,470
Common stock issued in the purchase agreement (value)	$ 39,900
Dividends received from equity method investment			53,000	51,300	33,700
Line of Credit Facility, Maximum Borrowing Capacity			100,000
Proceeds from Lines of Credit			$ 0
Line of Credit Facility, Interest Rate Description			LIBOR plus 225 basis points
Payments to Acquire Loans Receivable			$ 453,800	$ 337,800	$ 129,800
Bankers Healthcare Group, LLC | Pinnacle Financial
Schedule of Equity Method Investments [Line Items]
Additional ownership percentage	8.55%
Bankers Healthcare Group, LLC | Pinnacle Bank
Schedule of Equity Method Investments [Line Items]
Equity Method Investment, Ownership Percentage		30.00%
Payments to Acquire Businesses, Gross		$ 75,000
Additional ownership percentage	10.45%

Restricted Cash Balances (Detai

Restricted Cash Balances (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Cash and Cash Equivalents [Abstract]
Average Daily Cash Balance with Federal Reserve Bank	$ 2,200,000	$ 330,900
Restricted cash	$ 223,788	$ 137,045

Securities Securities - Availab

Securities Securities - Available for sale (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	$ 3,487,296	$ 3,491,633
Gross Unrealized Gain	117,222	66,147
Gross Unrealized Loss	17,837	17,785
Securities available-for-sale, at fair value	3,586,681	3,539,995
Available-for-sale, Amortized Cost
Due in one year of less	83,050
Due in one year to five years	12,406
Due in five to ten years	188,991
Due after ten years	1,401,212
Mortgage-backed securities	1,623,759
Asset-backed securities	177,878
Amortized Cost	3,487,296
Available-for-sale, Fair Value
Due in one year or less	83,066
Due in one year to five years	12,802
Due in five years to ten years	198,687
Due after ten years	1,424,999
Mortgage-backed securities	1,689,191
Asset-backed securities	177,936
Securities available-for-sale, at fair value	3,586,681	3,539,995
State and Municipal Securities
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	1,411,288	1,669,606
Gross Unrealized Gain	44,559	52,096
Gross Unrealized Loss	12,484	7,249
Securities available-for-sale, at fair value	1,443,363	1,714,453
Available-for-sale, Fair Value
Securities available-for-sale, at fair value	1,443,363	1,714,453
U.S. Government Agency Securities
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	74,916	80,096
Gross Unrealized Gain	1,547	306
Gross Unrealized Loss	60	710
Securities available-for-sale, at fair value	76,403	79,692
Available-for-sale, Fair Value
Securities available-for-sale, at fair value	76,403	79,692
Mortgage-backed Agency Securities
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	1,623,759	1,458,894
Gross Unrealized Gain	67,759	12,789
Gross Unrealized Loss	2,327	7,776
Securities available-for-sale, at fair value	1,689,191	1,463,907
Available-for-sale, Fair Value
Securities available-for-sale, at fair value	1,689,191	1,463,907
US Treasury Securities
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	82,199	72,862
Gross Unrealized Gain	10	19
Gross Unrealized Loss	0	14
Securities available-for-sale, at fair value	82,209	72,867
Available-for-sale, Fair Value
Securities available-for-sale, at fair value	82,209	72,867
Asset-backed Securities
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	177,878	153,963
Gross Unrealized Gain	715	302
Gross Unrealized Loss	657	1,293
Securities available-for-sale, at fair value	177,936	152,972
Available-for-sale, Fair Value
Securities available-for-sale, at fair value	177,936	152,972
Corporate Notes
Debt Securities, Available-for-sale [Abstract]
Amortized Cost	117,256	56,212
Gross Unrealized Gain	2,632	635
Gross Unrealized Loss	2,309	743
Securities available-for-sale, at fair value	117,579	56,104
Available-for-sale, Fair Value
Securities available-for-sale, at fair value	$ 117,579	$ 56,104

Securities Securities - Amortiz

Securities Securities - Amortized Cost and Fair Value of Securities (Details) - USD ($)	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	$ 1,028,550,000		$ 188,996,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	38,272,000		12,221,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	291,000		0
Fair Value	1,066,531,000		201,217,000
Allowance for credit losses - securities held-to-maturity	(191,000)	$ (10,000)
Securities held-to-maturity, net of allowance for credit losses	1,028,359,000		188,996,000
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Due in one year or less	0
Due in one year to five years	1,409,000
Due in five to ten years	7,180,000
Due after ten years	1,019,961,000
Debt Securities, Held-to-maturity, Maturity, without Single Maturity Date, Amortized Cost	0
Held To Maturity Securities Debt Maturities Asset Backed Securities Amortized Cost	0
Amortized Cost	1,028,550,000		188,996,000
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Due in one year or less	0
Due in one year to five years	1,494,000
Due in five to ten years	7,300,000
Due after ten years	1,057,737,000
Mortgage-backed securities	0
Asset-backed securities	0
Fair Value	1,066,531,000		201,217,000
State And Municipal Securities
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	1,028,550,000		188,996,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	38,272,000		12,221,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	291,000		0
Fair Value	1,066,531,000		201,217,000
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Amortized Cost	1,028,550,000		188,996,000
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Fair Value	$ 1,066,531,000		$ 201,217,000

Securities Securities - Unreali

Securities Securities - Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Investment securities, continuous unrealized loss position [Abstract]
Investments with an Unrealized Loss of less than 12 months, Fair Value	$ 407,150	$ 781,054
Investments with an Unrealized Loss of less than 12 months, Unrealized Losses	4,277	7,851
Investments with an Unrealized Loss of 12 months or longer, Fair Value	464,283	516,267
Investments with an Unrealized Loss of 12 months or longer, Unrealized Losses	13,560	9,934
Total Investments with an Unrealized Loss, Fair Value	871,433	1,297,321
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	17,837	17,785
US Treasury Securities
Investment securities, continuous unrealized loss position [Abstract]
Investments with an Unrealized Loss of less than 12 months, Fair Value	0	40,505
Investments with an Unrealized Loss of less than 12 months, Unrealized Losses	0	14
Investments with an Unrealized Loss of 12 months or longer, Fair Value	0	0
Investments with an Unrealized Loss of 12 months or longer, Unrealized Losses	0	0
Total Investments with an Unrealized Loss, Fair Value	0	40,505
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	0	14
U.S. Government Agency Securities
Investment securities, continuous unrealized loss position [Abstract]
Investments with an Unrealized Loss of less than 12 months, Fair Value	9,962	1,222
Investments with an Unrealized Loss of less than 12 months, Unrealized Losses	38	1
Investments with an Unrealized Loss of 12 months or longer, Fair Value	6,091	30,892
Investments with an Unrealized Loss of 12 months or longer, Unrealized Losses	22	709
Total Investments with an Unrealized Loss, Fair Value	16,053	32,114
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	60	710
Mortgage-backed Agency Securities
Investment securities, continuous unrealized loss position [Abstract]
Investments with an Unrealized Loss of less than 12 months, Fair Value	165,696	458,881
Investments with an Unrealized Loss of less than 12 months, Unrealized Losses	1,772	5,102
Investments with an Unrealized Loss of 12 months or longer, Fair Value	35,997	163,767
Investments with an Unrealized Loss of 12 months or longer, Unrealized Losses	555	2,674
Total Investments with an Unrealized Loss, Fair Value	201,693	622,648
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	2,327	7,776
State and Municipal Securities
Investment securities, continuous unrealized loss position [Abstract]
Investments with an Unrealized Loss of less than 12 months, Fair Value	175,115	204,958
Investments with an Unrealized Loss of less than 12 months, Unrealized Losses	2,220	1,938
Investments with an Unrealized Loss of 12 months or longer, Fair Value	345,435	244,884
Investments with an Unrealized Loss of 12 months or longer, Unrealized Losses	10,264	5,311
Total Investments with an Unrealized Loss, Fair Value	520,550	449,842
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	12,484	7,249
Asset-backed Securities
Investment securities, continuous unrealized loss position [Abstract]
Investments with an Unrealized Loss of less than 12 months, Fair Value	46,399	75,488
Investments with an Unrealized Loss of less than 12 months, Unrealized Losses	207	796
Investments with an Unrealized Loss of 12 months or longer, Fair Value	52,840	59,816
Investments with an Unrealized Loss of 12 months or longer, Unrealized Losses	450	497
Total Investments with an Unrealized Loss, Fair Value	99,239	135,304
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	657	1,293
Corporate Notes
Investment securities, continuous unrealized loss position [Abstract]
Investments with an Unrealized Loss of less than 12 months, Fair Value	9,978	0
Investments with an Unrealized Loss of less than 12 months, Unrealized Losses	40	0
Investments with an Unrealized Loss of 12 months or longer, Fair Value	23,920	16,908
Investments with an Unrealized Loss of 12 months or longer, Unrealized Losses	2,269	743
Total Investments with an Unrealized Loss, Fair Value	33,898	16,908
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 2,309	$ 743

Securities (Details)

Securities (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Sep. 30, 2018	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2020
Debt Securities, Available-for-sale [Line Items]
Available-for-sale securities transferred to Held-to-Maturity	$ 873,600,000	$ 179,800,000	$ 873,613,000	$ 0	$ 179,763,000
Unrealized after tax gain (loss) on available-for-sale securities transferred to the held-to-maturity portfolio	$ 69,000,000	$ (2,200,000)
Allowance for credit losses - securities held-to-maturity			(191,000)			$ (10,000)
Securities pledged as collateral to secure public funds and other deposits or securities sold under agreements to repurchase			1,200,000,000
Securities Loaned and Securities Sold under Agreement to Repurchase, Gross Including Not Subject to Master Netting Arrangement			128,200,000
Proceeds from Sale of Available-for-sale Securities			145,631,000	737,717,000	169,850,000
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax			(728,000)	$ (4,388,000)	$ (1,665,000)
Securities pledged as collateral
Debt Securities, Available-for-sale [Line Items]
Securities Loaned and Securities Sold under Agreement to Repurchase, Gross Including Not Subject to Master Netting Arrangement			$ 128,200,000

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses Loan Classification by Risk Rating Category (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Receivables [Abstract]
Percentage of loan portfolio as commercial loan	81.40%
Risk rated loans	$ 1,000
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	22,424,501	$ 19,787,876
Nonaccrual loans	73,836	61,605
Average balance of impaired loans		76,919	$ 75,257
Interest Lost on impaired loans	$ 3,300	3,000	4,200
Percentage of credit exposure to risk based capital	25.00%
Loans and other extensions of credit granted to directors, executive officers, and their related entities	$ 10,700	10,600
Amount drawn from loans and other extensions of credit granted	6,800	6,800
Commercial loans held-for-sale	31,200	17,585
Mortgage loans held-for-sale	67,800	61,600
Gains on mortgage loans sold, net	60,042	24,335	$ 14,564
Financing Receivable, Year One, Originated, Current Fiscal Year	8,401,422
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	4,276,694
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,553,597
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,467,660
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,130,064
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,057,306
Financing Receivable, Revolving	3,537,758
Potential problem loans	173,500	276,000
Mortgage Loan Volumes Sold	1,800,000	1,100,000
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	20,923,856
Financing Receivable, Year One, Originated, Current Fiscal Year	7,702,452
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	4,029,174
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,452,076
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,316,128
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,026,992
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	964,879
Financing Receivable, Revolving	3,432,155
Pass | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		19,299,393
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	1,253,298
Financing Receivable, Year One, Originated, Current Fiscal Year	617,356
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	214,071
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	73,627
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	128,918
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	85,685
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	64,608
Financing Receivable, Revolving	69,033
Special Mention | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		148,267
Substandard | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		278,611
Substandard | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		61,605
Doubtful | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		0
Substandard Accrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	173,511
Financing Receivable, Year One, Originated, Current Fiscal Year	60,099
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	24,506
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	22,816
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	18,619
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	12,328
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	10,638
Financing Receivable, Revolving	24,505
Substandard Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	73,836
Financing Receivable, Year One, Originated, Current Fiscal Year	21,515
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	8,943
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	5,078
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	3,995
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	5,059
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	17,181
Financing Receivable, Revolving	12,065
Doubtful Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		7,709,218
Commercial Real Estate | Pass | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		7,499,725
Commercial Real Estate | Special Mention | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		51,147
Commercial Real Estate | Substandard | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		139,518
Commercial Real Estate | Substandard | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		18,828
Commercial Real Estate | Doubtful | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		0
Commercial Real Estate Owner Occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,802,227	2,669,766
Nonaccrual loans	10,231	11,654
Financing Receivable, Year One, Originated, Current Fiscal Year	881,209
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	468,580
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	462,996
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	337,978
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	294,074
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	269,561
Financing Receivable, Revolving	87,829
Commercial Real Estate Owner Occupied | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,616,826
Financing Receivable, Year One, Originated, Current Fiscal Year	824,419
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	437,755
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	430,690
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	311,132
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	280,826
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	257,717
Financing Receivable, Revolving	74,287
Commercial Real Estate Owner Occupied | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	117,673
Financing Receivable, Year One, Originated, Current Fiscal Year	38,687
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	23,641
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	22,521
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	13,335
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	5,089
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	4,762
Financing Receivable, Revolving	9,638
Commercial Real Estate Owner Occupied | Substandard Accrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	57,497
Financing Receivable, Year One, Originated, Current Fiscal Year	17,131
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	7,035
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	6,853
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	12,063
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,627
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,946
Financing Receivable, Revolving	3,842
Commercial Real Estate Owner Occupied | Substandard Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	10,231
Financing Receivable, Year One, Originated, Current Fiscal Year	972
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	149
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,932
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,448
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,532
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,136
Financing Receivable, Revolving	62
Commercial Real Estate Owner Occupied | Doubtful Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Commercial real estate non owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,203,384	5,039,452
Nonaccrual loans	5,219	7,173
Financing Receivable, Year One, Originated, Current Fiscal Year	1,702,932
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,074,690
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	776,708
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	618,495
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	560,938
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	386,075
Financing Receivable, Revolving	83,546
Commercial real estate non owner occupied | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,275,929
Financing Receivable, Year One, Originated, Current Fiscal Year	1,210,032
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	951,070
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	728,348
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	507,095
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	482,642
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	323,036
Financing Receivable, Revolving	73,706
Commercial real estate non owner occupied | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	891,602
Financing Receivable, Year One, Originated, Current Fiscal Year	477,098
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	121,531
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	44,634
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	107,712
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	72,618
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	58,169
Financing Receivable, Revolving	9,840
Commercial real estate non owner occupied | Substandard Accrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	30,634
Financing Receivable, Year One, Originated, Current Fiscal Year	15,039
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,666
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	3,140
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	3,551
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	4,929
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,309
Financing Receivable, Revolving	0
Commercial real estate non owner occupied | Substandard Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,219
Financing Receivable, Year One, Originated, Current Fiscal Year	763
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	423
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	586
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	137
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	749
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,561
Financing Receivable, Revolving	0
Commercial real estate non owner occupied | Doubtful Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Consumer Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	3,099,172	3,068,625
Financing Receivable, Year One, Originated, Current Fiscal Year	732,787
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	481,023
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	323,380
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	164,961
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	126,496
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	310,041
Financing Receivable, Revolving	960,484
Consumer Real Estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	3,059,316
Financing Receivable, Year One, Originated, Current Fiscal Year	730,617
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	477,965
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	321,411
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	163,457
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	123,900
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	296,408
Financing Receivable, Revolving	945,558
Consumer Real Estate | Pass | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		3,019,203
Consumer Real Estate | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	11,993
Financing Receivable, Year One, Originated, Current Fiscal Year	1,206
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	65
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	970
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	67
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	946
Financing Receivable, Revolving	8,739
Consumer Real Estate | Special Mention | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		13,787
Consumer Real Estate | Substandard | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		10,969
Consumer Real Estate | Substandard | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		24,666
Consumer Real Estate | Doubtful | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		0
Consumer Real Estate | Substandard Accrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,672
Financing Receivable, Year One, Originated, Current Fiscal Year	689
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	507
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	189
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	8
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,171
Financing Receivable, Revolving	2,108
Consumer Real Estate | Substandard Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	22,191
Financing Receivable, Year One, Originated, Current Fiscal Year	275
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,486
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	999
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,248
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	2,588
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	10,516
Financing Receivable, Revolving	4,079
Consumer Real Estate | Doubtful Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Construction and Land Development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,901,746	2,430,483
Nonaccrual loans	1,953	2,278
Financing Receivable, Year One, Originated, Current Fiscal Year	1,256,862
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,175,077
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	363,501
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	56,814
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	23,681
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	7,578
Financing Receivable, Revolving	18,233
Construction and Land Development | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,835,743
Financing Receivable, Year One, Originated, Current Fiscal Year	1,199,902
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,171,879
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	363,247
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	56,736
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	19,198
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	6,548
Financing Receivable, Revolving	18,233
Construction and Land Development | Pass | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		2,422,347
Construction and Land Development | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	62,850
Financing Receivable, Year One, Originated, Current Fiscal Year	55,805
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,648
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	154
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	4,243
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Construction and Land Development | Special Mention | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		2,816
Construction and Land Development | Substandard | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		3,042
Construction and Land Development | Substandard | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		2,278
Construction and Land Development | Doubtful | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		0
Construction and Land Development | Substandard Accrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	1,200
Financing Receivable, Year One, Originated, Current Fiscal Year	777
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	15
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	27
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	240
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	141
Financing Receivable, Revolving	0
Construction and Land Development | Substandard Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	1,953
Financing Receivable, Year One, Originated, Current Fiscal Year	378
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	535
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	73
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	78
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	889
Financing Receivable, Revolving	0
Construction and Land Development | Doubtful Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	8,038,457	6,290,296
Financing Receivable, Year One, Originated, Current Fiscal Year	3,662,603
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,060,377
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	620,497
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	282,584
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	121,181
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	82,408
Financing Receivable, Revolving	2,208,807
Commercial and Industrial | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	7,756,531
Financing Receivable, Year One, Originated, Current Fiscal Year	3,572,453
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	973,558
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	601,865
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	270,880
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	116,736
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	79,527
Financing Receivable, Revolving	2,141,512
Commercial and Industrial | Pass | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		6,069,757
Commercial and Industrial | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	169,180
Financing Receivable, Year One, Originated, Current Fiscal Year	44,560
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	66,186
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	5,348
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	7,804
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	3,735
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	731
Financing Receivable, Revolving	40,816
Commercial and Industrial | Special Mention | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		79,819
Commercial and Industrial | Substandard | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		125,035
Commercial and Industrial | Substandard | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		15,685
Commercial and Industrial | Doubtful | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		0
Commercial and Industrial | Substandard Accrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	78,508
Financing Receivable, Year One, Originated, Current Fiscal Year	26,463
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	15,283
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	12,796
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	2,816
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	524
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,071
Financing Receivable, Revolving	18,555
Commercial and Industrial | Substandard Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	34,238
Financing Receivable, Year One, Originated, Current Fiscal Year	19,127
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	5,350
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	488
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,084
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	186
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	79
Financing Receivable, Revolving	7,924
Commercial and Industrial | Doubtful Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Consumer and Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	379,515	289,254
Nonaccrual loans	4	148
Financing Receivable, Year One, Originated, Current Fiscal Year	165,029
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	16,947
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	6,515
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	6,828
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	3,694
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,643
Financing Receivable, Revolving	178,859
Consumer and Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	379,511
Financing Receivable, Year One, Originated, Current Fiscal Year	165,029
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	16,947
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	6,515
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	6,828
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	3,690
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,643
Financing Receivable, Revolving	178,859
Consumer and Other | Pass | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		288,361
Consumer and Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Consumer and Other | Special Mention | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		698
Consumer and Other | Substandard | Accruing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		47
Consumer and Other | Substandard | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		148
Consumer and Other | Doubtful | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		$ 0
Consumer and Other | Substandard Accrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Consumer and Other | Substandard Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	4
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Consumer and Other | Doubtful Nonaccrual
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	$ 0
Construction and Land Development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of credit exposure to risk based capital	89.00%	83.60%

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses - Rollforward of Purchase Credit Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Gross Carrying Value
Gross carrying value, beginning balance	$ 29,544	$ 42,837
Acquisitions		1,883
Business Combination Acquired Receivable Gross Contractual Transfer	0	0
Year-to-date settlements	8,158	15,176
Gross carrying value, ending balance	21,386	29,544
Accretable Yield
Accretable yield, beginning balance	4,801	114
Acquisitions		0
Reclassification of yield from nonaccretable to accretable		(7,505)
Reclassification of discount to allowance for credit losses	0
Year-to-date settlements	2,561	2,818
Accretable yield, ending balance	2,240	4,801
Nonaccretable Yield [Abstract]
Acquired Nonaccretable Yield		0
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications to Nonaccretable Difference	3,828	7,505
Certain Loans Acquired in Transfer, Nonaccretable Difference, Settlements	0	6,061
Certain Loans Acquired in Transfer, Nonaccretable Difference	0	(3,828)	$ (17,394)
Net Carrying Value
Net carrying value, beginning balance	20,915	25,329
Acquisitions		1,883
Reclassification of yield from nonaccretable to accretable	3,828	0
Settlements	(5,597)	(6,297)
Net carrying value, ending balance	$ 19,146	$ 20,915

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Impaired Financing Receivable (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		$ 58,144,000	$ 83,146,000
Unpaid principal balance		64,556,000	83,337,000
Related allowance		3,280,000	3,964,000
Average balance of impaired loans		76,919,000	75,257,000
Impaired Financing Receivable, Interest Income, Cash Basis Method	$ 0	176,000	469,000
Individually Evaluated for Impairment	74,292,000	58,144,000
Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	51,812,000
Business Assets
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	22,437,000
Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	43,000
Commercial Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment		18,122,000
Commercial Real Estate Owner Occupied
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	15,681,000
Commercial Real Estate Owner Occupied | Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	15,681,000
Commercial Real Estate Owner Occupied | Business Assets
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Commercial Real Estate Owner Occupied | Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Commercial real estate non owner occupied
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	7,000,000
Commercial real estate non owner occupied | Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	7,000,000
Commercial real estate non owner occupied | Business Assets
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Commercial real estate non owner occupied | Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Consumer Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	27,082,000	25,018,000
Consumer Real Estate | Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	27,082,000
Consumer Real Estate | Business Assets
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Consumer Real Estate | Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Construction and Land Development
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	2,049,000	561,000
Construction and Land Development | Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	2,049,000
Construction and Land Development | Business Assets
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Construction and Land Development | Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Commercial and Industrial
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	22,476,000	14,295,000
Commercial and Industrial | Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Commercial and Industrial | Business Assets
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	22,437,000
Commercial and Industrial | Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	39,000
Consumer and Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	4,000	148,000
Consumer and Other | Real Estate
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Consumer and Other | Business Assets
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	0
Consumer and Other | Other
Financing Receivable, Impaired [Line Items]
Individually Evaluated for Impairment	$ 4,000
Impaired loans with an allowance
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		35,758,000	44,794,000
Unpaid principal balance		40,305,000	44,914,000
Related allowance		3,280,000	3,964,000
Average balance of impaired loans		44,458,000	34,615,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans with an allowance | Commercial Real Estate
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		9,998,000	14,114,000
Unpaid principal balance		10,983,000	14,124,000
Related allowance		1,235,000	724,000
Average balance of impaired loans		13,750,000	10,260,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans with an allowance | Consumer Real Estate
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		20,996,000	19,864,000
Unpaid principal balance		23,105,000	19,991,000
Related allowance		1,292,000	1,443,000
Average balance of impaired loans		20,909,000	13,154,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans with an allowance | Construction and Land Development
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		542,000	581,000
Unpaid principal balance		654,000	579,000
Related allowance		33,000	28,000
Average balance of impaired loans		578,000	1,157,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans with an allowance | Commercial and Industrial
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		4,074,000	9,252,000
Unpaid principal balance		5,381,000	9,215,000
Related allowance		711,000	1,441,000
Average balance of impaired loans		8,871,000	9,326,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans with an allowance | Consumer and Other
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		148,000	983,000
Unpaid principal balance		182,000	1,005,000
Related allowance		9,000	328,000
Average balance of impaired loans		350,000	718,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans without an allowance
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		22,386,000	38,352,000
Unpaid principal balance		24,251,000	38,423,000
Related allowance		0	0
Average balance of impaired loans		32,461,000	40,642,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		176,000	469,000
Impaired loans without an allowance | Commercial Real Estate
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		8,124,000	14,724,000
Unpaid principal balance		8,891,000	14,739,000
Related allowance		0	0
Average balance of impaired loans		11,642,000	17,906,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		176,000	469,000
Impaired loans without an allowance | Consumer Real Estate
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		4,022,000	7,247,000
Unpaid principal balance		4,021,000	7,271,000
Related allowance		0	0
Average balance of impaired loans		7,509,000	5,477,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans without an allowance | Construction and Land Development
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		19,000	1,786,000
Unpaid principal balance		17,000	1,786,000
Related allowance		0	0
Average balance of impaired loans		365,000	1,463,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans without an allowance | Commercial and Industrial
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		10,221,000	14,595,000
Unpaid principal balance		11,322,000	14,627,000
Related allowance		0	0
Average balance of impaired loans		12,945,000	15,796,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0	0
Impaired loans without an allowance | Consumer and Other
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Recorded Investment		0	0
Unpaid principal balance		0	0
Related allowance		0	0
Average balance of impaired loans		0	0
Impaired Financing Receivable, Interest Income, Cash Basis Method		$ 0	$ 0

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Troubled Debt Restructurings (Details)	12 Months Ended
	Dec. 31, 2020USD ($)contract	Dec. 31, 2019USD ($)contract	Dec. 31, 2018USD ($)contract
Troubled debt restructuring categorized by loan classification [Abstract]
Number of contracts | contract	1	4	4
Pre Modification Outstanding Recorded Investment	$ 807,000	$ 2,326,000	$ 2,314,000
Post Modification Outstanding Recorded Investment net of related allowance	$ 807,000	$ 1,766,000	$ 2,314,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0	0	0
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commercial Real Estate Owner Occupied
Troubled debt restructuring categorized by loan classification [Abstract]
Number of contracts | contract	0	1	0
Pre Modification Outstanding Recorded Investment	$ 0	$ 306,000	$ 0
Post Modification Outstanding Recorded Investment net of related allowance	$ 0	$ 287,000	$ 0
Commercial real estate non owner occupied
Troubled debt restructuring categorized by loan classification [Abstract]
Number of contracts | contract	0	0	0
Pre Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0
Post Modification Outstanding Recorded Investment net of related allowance	$ 0	$ 0	$ 0
Consumer Real Estate
Troubled debt restructuring categorized by loan classification [Abstract]
Number of contracts | contract	1	1	3
Pre Modification Outstanding Recorded Investment	$ 807,000	$ 683,000	$ 1,967,000
Post Modification Outstanding Recorded Investment net of related allowance	$ 807,000	$ 683,000	$ 1,967,000
Construction and Land Development
Troubled debt restructuring categorized by loan classification [Abstract]
Number of contracts | contract	0	1	1
Pre Modification Outstanding Recorded Investment	$ 0	$ 19,000	$ 347,000
Post Modification Outstanding Recorded Investment net of related allowance	$ 0	$ 19,000	$ 347,000
Commercial and Industrial
Troubled debt restructuring categorized by loan classification [Abstract]
Number of contracts | contract	0	1	0
Pre Modification Outstanding Recorded Investment	$ 0	$ 1,318,000	$ 0
Post Modification Outstanding Recorded Investment net of related allowance	$ 0	$ 777,000	$ 0
Consumer and Other
Troubled debt restructuring categorized by loan classification [Abstract]
Number of contracts | contract	0	0	0
Pre Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0
Post Modification Outstanding Recorded Investment net of related allowance	$ 0	$ 0	$ 0

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses - Industry Classification System (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Principal Balances	$ 6,323,901
Unfunded Commitments	2,408,618
Total exposure	8,732,519	$ 8,236,327
Loans	22,424,501	19,787,876
Loans and Leases Receivable, Allowance	(285,050)	(94,777)
Loans and Leases Receivable, Net Amount	22,139,451	19,693,099
Commercial Real Estate Owner Occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,802,227	2,669,766
Commercial real estate non owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,203,384	5,039,452
Construction and Land Development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,901,746	2,430,483
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	8,038,457	6,290,296
Consumer and Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	379,515	289,254
Lessors of Nonresidential Buildings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Principal Balances	3,558,320
Unfunded Commitments	884,392
Total exposure	4,442,712	4,578,116
Lessors of Residential Buildings and Dwellings [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Principal Balances	1,340,937
Unfunded Commitments	785,309
Total exposure	2,126,246	1,599,837
New housing for-sale builders
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Principal Balances	474,932
Unfunded Commitments	649,370
Total exposure	1,124,302	1,090,603
Hotels and motels
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Principal Balances	949,712
Unfunded Commitments	89,547
Total exposure	$ 1,039,259	$ 967,771

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Financing Receivables Past Due (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	$ 22,424,501	$ 19,787,876
Nonaccrual loans	73,836	61,605
Financing Receivable, Nonaccrual, No Allowance	36,537
Currently performing impaired loans	51,700	35,800
Financing Receivable, Past Due	65,045	62,338
Reinsurance Recoverable, Not Past Due	22,359,456	19,725,538
Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	31,881	28,745
Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	15,721	12,333
Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	17,443	21,260
Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		7,709,218
Commercial Real Estate Owner Occupied
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	2,802,227	2,669,766
Nonaccrual loans	10,231	11,654
Financing Receivable, Nonaccrual, No Allowance	5,985
Financing Receivable, Past Due	5,466	6,958
Reinsurance Recoverable, Not Past Due	2,796,761	2,662,808
Commercial Real Estate Owner Occupied | Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	934	2,307
Commercial Real Estate Owner Occupied | Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	2,672	2,932
Commercial Real Estate Owner Occupied | Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	1,860	1,719
Commercial real estate non owner occupied
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	5,203,384	5,039,452
Nonaccrual loans	5,219	7,173
Financing Receivable, Nonaccrual, No Allowance	1,522
Financing Receivable, Past Due	10,807	10,613
Reinsurance Recoverable, Not Past Due	5,192,577	5,028,839
Commercial real estate non owner occupied | Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	726	3,156
Commercial real estate non owner occupied | Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	6,220	3,641
Commercial real estate non owner occupied | Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	3,861	3,816
Consumer Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	3,099,172	3,068,625
Financing Receivable, Past Due	15,461	21,107
Reinsurance Recoverable, Not Past Due	3,083,711	3,047,518
Consumer Real Estate | Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	8,859	11,646
Consumer Real Estate | Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	328	2,157
Consumer Real Estate | Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	6,274	7,304
Construction and Land Development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	2,901,746	2,430,483
Nonaccrual loans	1,953	2,278
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Past Due	1,432	3,590
Reinsurance Recoverable, Not Past Due	2,900,314	2,426,893
Construction and Land Development | Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	278	1,392
Construction and Land Development | Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	418	711
Construction and Land Development | Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	736	1,487
Commercial and Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	8,038,457	6,290,296
Financing Receivable, Past Due	30,487	17,316
Reinsurance Recoverable, Not Past Due	8,007,970	6,272,980
Commercial and Industrial | Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	20,278	8,474
Commercial and Industrial | Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	5,801	2,478
Commercial and Industrial | Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	4,408	6,364
Consumer and Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	379,515	289,254
Nonaccrual loans	4	148
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Past Due	1,392	2,754
Reinsurance Recoverable, Not Past Due	378,123	286,500
Consumer and Other | Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	806	1,770
Consumer and Other | Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	282	414
Consumer and Other | Financial Asset, Equal to or Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Past Due	$ 304	$ 570

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses Loans and Allowance for Loan Losses - Details on Allowance for Loan Losses and Recorded Investment by Loan Classification (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	$ 94,777	$ 83,575	$ 67,240
Charged-off loans	(49,333)	(28,467)	(30,400)
Recovery of previously charged-off loans	9,962	12,386	12,358
Provision for credit losses	191,542	27,283	34,377
Ending Balance	285,050	94,777	83,575
Collectively Evaluated for Impairment		90,512
Individually Evaluated for Impairment		3,280
Ending Balance	285,050	94,777	83,575
Collectively Evaluated for Impairment		19,708,817
Individually Evaluated for Impairment	74,292	58,144
Loans acquired with deteriorated credit quality		20,915
Loans	22,424,501	19,787,876
Currently performing impaired loans	51,700	35,800
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	38,102
Nonaccrual loans	73,836	61,605
Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Individually Evaluated for Impairment		0
Commercial Real Estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	33,369
Ending Balance		33,369
Collectively Evaluated for Impairment		32,134
Individually Evaluated for Impairment		1,235
Ending Balance		33,369
Collectively Evaluated for Impairment		7,681,608
Individually Evaluated for Impairment		18,122
Loans acquired with deteriorated credit quality		9,488
Loans		7,709,218
Commercial Real Estate | Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Individually Evaluated for Impairment		0
Commercial Real Estate Owner Occupied
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	13,406	10,575	8,992
Charged-off loans	(2,598)	(1,625)	(2,652)
Recovery of previously charged-off loans	1,317	1,252	1,568
Provision for credit losses	10,909	3,204	2,667
Ending Balance	23,298	13,406	10,575
Ending Balance	23,298	13,406	10,575
Individually Evaluated for Impairment	15,681
Loans	2,802,227	2,669,766
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	264
Nonaccrual loans	10,231	11,654
Commercial real estate non owner occupied
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	19,963	16,371	12,196
Charged-off loans	(546)	(75)	(378)
Recovery of previously charged-off loans	911	980	528
Provision for credit losses	63,544	2,687	4,025
Ending Balance	79,132	19,963	16,371
Ending Balance	79,132	19,963	16,371
Individually Evaluated for Impairment	7,000
Loans	5,203,384	5,039,452
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	(4,740)
Nonaccrual loans	5,219	7,173
Consumer Real Estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	8,054	7,670	5,031
Charged-off loans	(3,478)	(1,335)	(1,593)
Recovery of previously charged-off loans	1,493	1,827	2,653
Provision for credit losses	6,206	(108)	1,579
Ending Balance	33,304	8,054	7,670
Collectively Evaluated for Impairment		6,762
Individually Evaluated for Impairment		1,292
Ending Balance	33,304	8,054	7,670
Collectively Evaluated for Impairment		3,036,922
Individually Evaluated for Impairment	27,082	25,018
Loans acquired with deteriorated credit quality		6,685
Loans	3,099,172	3,068,625
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	21,029
Consumer Real Estate | Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Individually Evaluated for Impairment		0
Construction and Land Development
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	12,662	11,128	8,962
Charged-off loans	0	(18)	(74)
Recovery of previously charged-off loans	147	682	1,863
Provision for credit losses	32,743	870	377
Ending Balance	42,408	12,662	11,128
Collectively Evaluated for Impairment		12,629
Individually Evaluated for Impairment		33
Ending Balance	42,408	12,662	11,128
Collectively Evaluated for Impairment		2,426,901
Individually Evaluated for Impairment	2,049	561
Loans acquired with deteriorated credit quality		3,021
Loans	2,901,746	2,430,483
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	(3,144)
Nonaccrual loans	1,953	2,278
Construction and Land Development | Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Individually Evaluated for Impairment		0
Commercial and Industrial
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	36,112	31,731	24,863
Charged-off loans	(38,718)	(19,208)	(13,175)
Recovery of previously charged-off loans	4,540	6,473	3,035
Provision for credit losses	73,449	17,116	17,008
Ending Balance	98,423	36,112	31,731
Collectively Evaluated for Impairment		35,401
Individually Evaluated for Impairment		711
Ending Balance	98,423	36,112	31,731
Collectively Evaluated for Impairment		6,274,280
Individually Evaluated for Impairment	22,476	14,295
Loans acquired with deteriorated credit quality		1,721
Loans	8,038,457	6,290,296
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	23,040
Commercial and Industrial | Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Individually Evaluated for Impairment		0
Consumer and Other
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	3,595	5,423	5,874
Charged-off loans	(3,993)	(6,206)	(12,528)
Recovery of previously charged-off loans	1,554	1,172	2,711
Provision for credit losses	4,691	3,206	9,366
Ending Balance	8,485	3,595	5,423
Collectively Evaluated for Impairment		3,586
Individually Evaluated for Impairment		9
Ending Balance	8,485	3,595	5,423
Collectively Evaluated for Impairment		289,106
Individually Evaluated for Impairment	4	148
Loans acquired with deteriorated credit quality		0
Loans	379,515	289,254
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	2,638
Nonaccrual loans	4	148
Consumer and Other | Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Individually Evaluated for Impairment		0
Unallocated Financing Receivables
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	985	677	1,322
Charged-off loans	0	0	0
Recovery of previously charged-off loans	0	0	0
Provision for credit losses	0	308	(645)
Ending Balance	0	985	677
Ending Balance	0	$ 985	$ 677
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	$ (985)

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	$ 73,836,000	$ 61,605,000
Financing Receivable, Nonaccrual, No Allowance	36,537,000
Financing Receivable, 90 Days or More Past Due, Still Accruing	2,362,000	1,615,000
Impaired Financing Receivable, Interest Income, Cash Basis Method	0	176,000	$ 469,000
Loans	22,424,501,000	19,787,876,000
Currently performing impaired loans	51,700,000	35,800,000
Financing Receivable, Modifications, Accruing As Of Restructured Date	$ 2,500,000	$ 4,900,000
Percentage of credit exposure to risk based capital	25.00%
Construction and Land Development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of credit exposure to risk based capital	89.00%	83.60%
Commercial real estate non owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of credit exposure to risk based capital	264.00%	268.30%
Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,800,000,000
Commercial Real Estate Owner Occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	10,231,000	$ 11,654,000
Financing Receivable, Nonaccrual, No Allowance	5,985,000
Financing Receivable, 90 Days or More Past Due, Still Accruing	0	0
Loans	2,802,227,000	2,669,766,000
Commercial real estate non owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	5,219,000	7,173,000
Financing Receivable, Nonaccrual, No Allowance	1,522,000
Financing Receivable, 90 Days or More Past Due, Still Accruing	0	0
Loans	5,203,384,000	5,039,452,000
Consumer Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	22,191,000	24,667,000
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, 90 Days or More Past Due, Still Accruing	273,000	168,000
Construction and Land Development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	1,953,000	2,278,000
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, 90 Days or More Past Due, Still Accruing	0	0
Loans	2,901,746,000	2,430,483,000
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	34,238,000	15,685,000
Financing Receivable, Nonaccrual, No Allowance	29,030,000
Financing Receivable, 90 Days or More Past Due, Still Accruing	1,785,000	946,000
Consumer and Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	4,000	148,000
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, 90 Days or More Past Due, Still Accruing	304,000	501,000
Loans	$ 379,515,000	$ 289,254,000

Premises and Equipment and Le_3

Premises and Equipment and Lease Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 442,117	$ 405,452
Accumulated depreciation and amortization	(152,116)	(131,520)
Property, Plant and Equipment, Net	290,001	273,932
Depreciation and amortization expense	$ 22,800	$ 22,100	$ 21,500
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	us-gaap:OtherAssets	us-gaap:OtherAssets
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Right of Use Assets [Abstract]
Operating Lease, Right-of-Use Asset	$ 83,647	$ 79,574
Finance Lease, Right-of-Use Asset	1,770	1,996
Total right-of-use assets	85,417	81,570
Lease Liabilities [Abstract]
Operating Lease, Liability	87,737	83,219
Finance Lease, Liability	3,001	3,244
Total lease liabilities	90,738	86,463
Lease, Cost [Abstract]
Operating Lease, Cost	13,963	13,992
Short-term Lease, Cost	354	295
Finance Lease, Interest Expense	227	243
Amortization of right-of-use asset	226	226
Sublease Income	(1,324)	(1,463)
Net lease cost	13,446	13,293
Operating cash flows related to operating leases	13,494	13,609
Financing cash flows related to finance leases	227	243
Finance Lease, Principal Payments	$ 243	$ 226
Weighted average remaining lease term
Operating leases	10 years 4 months 13 days	10 years 9 months
Finance leases	7 years 10 months 2 days	8 years 10 months 2 days
Weighted average discount rate
Operating leases	2.91%	3.07%
Finance leases	7.22%	7.22%
Operating Leases
2021	$ 13,607
2022	12,413
2023	11,582
2024	11,506
2025	9,247
Thereafter	45,701
Total	104,056
Less: Imputed Interest	(16,319)
Net lease liabilities	87,737	$ 83,219
Finance Leases
2021	470
2022	470
2023	479
2024	527
2025	527
Thereafter	1,494
Total	3,967
Less: Imputed Interest	(966)
Net lease liabilities	3,001	3,244
Land
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	70,140	64,814
Building
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 194,432	185,340
Building | Minimum
Property, Plant and Equipment [Line Items]
Range of Useful Lives	15 years
Building | Maximum
Property, Plant and Equipment [Line Items]
Range of Useful Lives	30 years
Leaseholds and Leasehold Improvements
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 50,867	45,398
Leaseholds and Leasehold Improvements | Minimum
Property, Plant and Equipment [Line Items]
Range of Useful Lives	15 years
Leaseholds and Leasehold Improvements | Maximum
Property, Plant and Equipment [Line Items]
Range of Useful Lives	20 years
Furniture and Equipment
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 126,678	$ 109,900
Furniture and Equipment | Minimum
Property, Plant and Equipment [Line Items]
Range of Useful Lives	3 years
Furniture and Equipment | Maximum
Property, Plant and Equipment [Line Items]
Range of Useful Lives	20 years

Deposits (Details)

Deposits (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Time Deposits, Fiscal Year Maturity [Abstract]
2021	$ 2,810,182,000
2022	563,181,000
2023	125,703,000
2024	11,666,000
2025	12,684,000
Thereafter	1,216,000
Time deposits, Total	3,524,632,000	$ 3,941,445,000
Time Deposits, $250,000 or greater	808,300,000	995,300,000
Deposit accounts in overdraft status	$ 920,000	$ 1,900,000

Federal Home Loan Bank Advanc_3

Federal Home Loan Bank Advances (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal Home Loan Bank Advances	$ 1,100,000,000	$ 2,100,000,000
FHLB Collateral Pledged	6,200,000,000
Federal Home Loan Bank, Advances, Fiscal Year Maturity [Abstract]
2021	200,000,000
2022	0
2023	0
2024	0
2025	116,250,000
Thereafter	775,013,000
Federal home loan bank advances, Total	1,091,263,000
Federal Home Loan Bank, Advances, Discount	(3,336,000)
Advances from Federal Home Loan Banks	1,087,927,000	$ 2,062,534,000
Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due [Abstract]
Borrowing availability with FHLB, FRB Discount Window and other correspondent banks	$ 6,700,000,000
Weighted Average
Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due [Abstract]
2021	0.28%
2022	0.00%
2023	0.00%
2024	0.00%
2025	0.64%
Thereafter	2.15%
Weighted average interest rate	1.64%

Other borrowings (Details)

Other borrowings (Details) - USD ($) $ in Thousands		Jan. 01, 2020	Dec. 31, 2020	Dec. 31, 2019
Debt Instrument [Line Items]
Subordinated debt and other borrowings			$ 670,575	$ 749,080
Debt issuance costs and fair value adjustments			(12,420)
Proceeds from Issuance of Debt		$ 80,000
Paycheck Protection Program Liquidity Facility [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity			$ 1,800,000
Pinnacle Statutory Trust I
Debt Instrument [Line Items]
Date Established			Dec. 29, 2003
Maturity			Dec. 30, 2033
Subordinated debt and other borrowings			$ 10,310
Interest Rate (as percent)			3.03%
Coupon Structure			30-day LIBOR + 2.80%
Debt Instrument, Basis Spread on Variable Rate			2.80%
Pinnacle Statutory Trust II
Debt Instrument [Line Items]
Date Established			Sep. 15, 2005
Maturity			Sep. 30, 2035
Subordinated debt and other borrowings			$ 20,619
Interest Rate (as percent)			1.64%
Coupon Structure			30-day LIBOR + 1.40%
Debt Instrument, Basis Spread on Variable Rate			1.40%
Pinnacle Statutory Trust III
Debt Instrument [Line Items]
Date Established			Sep. 7, 2006
Maturity			Sep. 30, 2036
Subordinated debt and other borrowings			$ 20,619
Interest Rate (as percent)			1.90%
Coupon Structure			30-day LIBOR + 1.65%
Debt Instrument, Basis Spread on Variable Rate			1.65%
Pinnacle Statutory Trust IV
Debt Instrument [Line Items]
Date Established			Oct. 31, 2007
Maturity			Sep. 30, 2037
Subordinated debt and other borrowings			$ 30,928
Interest Rate (as percent)			3.07%
Coupon Structure			30-day LIBOR + 2.85%
Debt Instrument, Basis Spread on Variable Rate			2.85%
BNC Capital Trust I
Debt Instrument [Line Items]
Date Established			Apr. 3, 2003
Maturity			Apr. 15, 2033
Subordinated debt and other borrowings			$ 5,155
Interest Rate (as percent)			3.49%
Coupon Structure			30-day LIBOR + 3.25%
Debt Instrument, Basis Spread on Variable Rate			3.25%
BNC Capital Trust II
Debt Instrument [Line Items]
Date Established			Mar. 11, 2004
Maturity			Apr. 7, 2034
Subordinated debt and other borrowings			$ 6,186
Interest Rate (as percent)			3.09%
Coupon Structure			30-day LIBOR + 2.85%
Debt Instrument, Basis Spread on Variable Rate			2.85%
BNC Capital Trust III
Debt Instrument [Line Items]
Date Established			Sep. 23, 2004
Maturity			Sep. 23, 2034
Subordinated debt and other borrowings			$ 5,155
Interest Rate (as percent)			2.64%
Coupon Structure			30-day LIBOR + 2.40%
Debt Instrument, Basis Spread on Variable Rate			2.40%
BNC Capital Trust IV
Debt Instrument [Line Items]
Date Established			Sep. 27, 2006
Maturity			Dec. 31, 2036
Subordinated debt and other borrowings			$ 7,217
Interest Rate (as percent)			1.94%
Coupon Structure			30-day LIBOR + 1.70%
Debt Instrument, Basis Spread on Variable Rate			1.70%
Valley Financial Trust I
Debt Instrument [Line Items]
Date Established			Jun. 26, 2003
Maturity			Jun. 26, 2033
Subordinated debt and other borrowings			$ 4,124
Interest Rate (as percent)			3.35%
Coupon Structure			30-day LIBOR + 3.10%
Debt Instrument, Basis Spread on Variable Rate			3.10%
Valley Financial Trust II
Debt Instrument [Line Items]
Date Established			Sep. 26, 2005
Maturity			Dec. 15, 2035
Subordinated debt and other borrowings			$ 7,217
Interest Rate (as percent)			1.71%
Coupon Structure			30-day LIBOR + 1.49%
Debt Instrument, Basis Spread on Variable Rate			1.49%
Valley Financial Trust III
Debt Instrument [Line Items]
Date Established			Dec. 15, 2006
Maturity			Jan. 30, 2037
Subordinated debt and other borrowings			$ 5,155
Interest Rate (as percent)			1.94%
Coupon Structure			30-day LIBOR + 1.73%
Debt Instrument, Basis Spread on Variable Rate			1.73%
Southcoast Capital Trust III
Debt Instrument [Line Items]
Date Established			Aug. 5, 2005
Maturity			Sep. 30, 2035
Subordinated debt and other borrowings			$ 10,310
Interest Rate (as percent)			1.74%
Coupon Structure			30-day LIBOR + 1.50%
Debt Instrument, Basis Spread on Variable Rate			1.50%
Pinnacle Bank Subordinated Notes
Debt Instrument [Line Items]
Date Established			Jul. 30, 2015
Maturity			Jul. 30, 2025
Subordinated debt and other borrowings			$ 60,000
Interest Rate (as percent)			3.34%
Coupon Structure			3-month LIBOR + 3.128%
Debt Instrument, Basis Spread on Variable Rate			3.128%
Debt Instrument, Term of variable rate			3 months
Pinnacle Bank Subordinated Notes
Debt Instrument [Line Items]
Date Established			Mar. 10, 2016
Maturity			Jul. 30, 2025
Subordinated debt and other borrowings			$ 70,000
Interest Rate (as percent)			3.34%
Coupon Structure			3-month LIBOR + 3.128%
Debt Instrument, Basis Spread on Variable Rate			3.128%
Debt Instrument, Term of variable rate			3 months
Avenue Subordinated Notes
Debt Instrument [Line Items]
Repayments of Subordinated Debt		20,000
Pinnacle Financial Subordinated Notes
Debt Instrument [Line Items]
Date Established			Nov. 16, 2016
Maturity			Nov. 16, 2026
Subordinated debt and other borrowings	[1]		$ 120,000
Interest Rate (as percent)	[1]		5.25%
Coupon Structure	[1]		LIBOR + 3.884%
Debt Instrument, Basis Spread on Variable Rate			3.884%
Debt Instrument, Term of variable rate	[1]		3 months
Pinnacle Financial Notes 2019
Debt Instrument [Line Items]
Date Established			Sep. 11, 2019
Maturity			Sep. 15, 2029
Subordinated debt and other borrowings	[2]		$ 300,000
Interest Rate (as percent)	[2]		4.13%
Coupon Structure	[2]		LIBOR + 2.775%
Debt Instrument, Basis Spread on Variable Rate			2.775%
Debt Instrument, Term of variable rate	[2]		3 months
BNC Subordinated Notes
Debt Instrument [Line Items]
Repayments of Subordinated Debt		$ 60,000
[1]	Migrates to three
[2]	Migrates to three

Income Taxes (Details)

Income Taxes (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current Income Tax Expense (Benefit), Continuing Operations [Abstract]
Federal	$ 98,082,000	$ 77,422,000	$ 73,921,000
Current State and Local Tax Expense (Benefit)	19,270,000	4,538,000	4,822,000
Total current tax expense (benefit)	117,352,000	81,960,000	78,743,000
Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]
Federal	(45,450,000)	12,446,000	10,162,000
State	(12,865,000)	2,250,000	1,603,000
Deferred tax (expense) benefit	(58,315,000)	14,696,000	11,765,000
Income tax expense (benefit)	59,037,000	96,656,000	90,508,000
Effective Income Tax Rate Reconciliation, Amount [Abstract]
Income tax expense (benefit) at statutory rate	77,985,000	104,483,000	94,489,000
State excise tax expense, net of federal tax effect	5,059,000	5,363,000	5,076,000
Tax-exempt securities	(13,706,000)	(11,078,000)	(7,222,000)
Federal tax credits	(3,717,000)	(1,704,000)	(845,000)
Bank owned life insurance	(4,759,000)	(3,646,000)	(2,764,000)
Insurance premiums	(272,000)	(238,000)	(112,000)
Excess tax benefits associated with equity compensation	(417,000)	(1,011,000)	(2,966,000)
Other items	$ (1,136,000)	4,487,000	4,852,000
Federal income tax statutory rate	21.00%
Deferred Tax Assets, Net [Abstract]
Loan loss allowance	$ 72,316,000	23,051,000
Loans	14,694,000	20,808,000
Insurance	690,000	673,000
Accrued liability for supplemental retirement agreements	7,457,000	7,308,000
Restricted stock and stock options	9,181,000	10,515,000
Cash flow hedge	0	1,373,000
Equity Method Investments	171,000	425,000
Leases	23,894,000	22,782,000
Other real estate owned	2,287,000	691,000
Net federal operating loss carryforward and credits	1,796,000	5,954,000
Annual Incentive Compensation	8,712,000	12,626,000
Deferred Tax Assets Investment in Noncontrolled Affiliates	25,225,000	0
Allowance for off balance sheet credit exposures	6,069,000	618,000
Other deferred tax assets	2,559,000	2,501,000
Total deferred tax assets	175,051,000	109,325,000
Deferred Tax Liabilities, Net [Abstract]
Depreciation and amortization	14,418,000	12,455,000
Core deposit and other intangible assets	11,077,000	13,253,000
Securities	34,373,000	8,287,000
REIT dividends	1,366,000	1,650,000
FHLB related liabilities	1,798,000	925,000
Right-of-use assets and other leasing transactions	22,232,000	21,169,000
Subordinated debt	1,920,000	2,050,000
Partnership interests	0	3,534,000
Deferred Tax Liabilities, Derivatives	19,627,000	0
Other deferred tax liabilities	1,630,000	1,875,000
Total deferred tax liabilities	108,441,000	65,198,000
Net deferred tax assets	66,610,000	44,127,000
Unrecognized Tax Benefits	9,658,000	6,910,000	5,083,000	$ 2,838,000
Unrecognized Tax Benefits, Increase Resulting from Current Period Tax Positions	2,748,000	1,827,000	2,245,000
Unrecognized Tax Benefits, Increase Resulting from Prior Period Tax Positions	0	0	0
Unrecognized Tax Benefits, Reduction Resulting from Lapse of Applicable Statute of Limitations	0	0	0
Unrecognized Tax Benefits, Increase Resulting from Settlements with Taxing Authorities	0	0	$ 0
Tax Credit Carryforward, Amount	8,400,000
Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued	$ 571,000	$ 0

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2020
Loss Contingencies [Line Items]
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 8,800	$ 23,200
Commitments to Extend Credit
Loss Contingencies [Line Items]
Amount of commitment		9,500,000
Commitments to Extend Credit | Home equity
Loss Contingencies [Line Items]
Amount of commitment		1,200,000
Standby Letters of Credit
Loss Contingencies [Line Items]
Amount of commitment		$ 195,700
Maximum
Loss Contingencies [Line Items]
Expiry period of standby letter of credit, maximum		2 years

Salary Deferral Plans (Details)

Salary Deferral Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Deferred Compensation Arrangements [Abstract]
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	50.00%
Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay	4.00%
Percentage of employee self-directed contributions matched by employer	100.00%
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Compensation expense	$ 9,400	$ 8,100	$ 7,600
Other liabilities	411,074	288,569
Supplemental Employee Retirement Plan
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Other liabilities	29,800	$ 29,200
SERP covered by Rabbi Trust
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Other liabilities	$ 17,300

Stock Options, Restricted Sha_3

Stock Options, Restricted Shares and Restricted Share Units (Details) - USD ($)		Jul. 31, 2015	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2020
Number [Roll Forward]
Outstanding, Beginning Balance (in shares)			119,274	178,591	276,468
Granted (in shares)			0	0	0
Exercised (in shares)			(17,505)	(59,317)	(97,877)
Forfeited (in shares)			0	0	0
Outstanding, Ending Balance (in shares)			101,769	119,274	178,591
Options exercisable (in shares)						101,769
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding, Beginning Balance (in dollars per share)			$ 23.45	$ 22.77	$ 21.40
Granted (in dollars per share)			0	0	0
Exercised (in dollars per share)			23.40	21.40	18.91
Forfeited (in dollars per share)			0	0	0
Outstanding, Ending Balance (in dollars per share)			$ 23.46	$ 23.45	$ 22.77
Options exercisable (in dollars per share)						$ 23.46
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Outstanding			1 year 10 months 9 days
Options exercisable			1 year 10 months 9 days
Aggregate intrinsic value [Abstract]
Outstanding	[1]					$ 4,169,000
Options exercisable	[1]					$ 4,169,000
Quoted closing price of common stock (in dollars per share)						$ 64.40
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value			$ (350,000)	$ (2,300,000)	$ (2,700,000)
Share-based Compensation [Abstract]
Restricted stock expense			18,737,000	21,226,000	17,636,000
Income tax benefit			4,898,000	5,548,000	4,610,000
Restricted stock expense, net of income tax benefit			$ 13,839,000	$ 15,678,000	$ 13,026,000
Unrecognized restricted share expense						$ 38,700,000
Weighted average period over which unrecognized restricted share expense will be recognized			1 year 11 months 4 days
Number [Roll Forward]
Unvested, beginning of period (in shares)			555,296	692,806	936,135
Shares awards			284,904	245,845	180,450
Conversion of previously awarded restricted share units to restricted share awards					6,200
Restrictions lapsed and shares released to associates/directors (in shares)			(215,846)	(348,145)	(400,820)
Shares forfeited (in shares)			(29,685)	(35,210)	(29,159)
Unvested, end of period (in shares)			594,669	555,296	692,806
Grant date weighted average cost [Roll Forward]
Unvested, beginning of period (in dollars per share)			$ 57.04	$ 55.19	$ 50.08
Shares awarded (in dollars per share)			55.91	55.25	62.40
Conversion of restricted share units to restricted share awards (in dollars per share)					67.85
Restrictions lapsed and shares released to associates/directors (in dollars per share)			55.39	40.47	46.33
Shares forfeited (in dollars per share)			59.64	58.22	59.51
Unvested, end of period (in dollars per share)			$ 56.97	$ 57.04	$ 55.19
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards			284,904	245,845	180,450
Shares forfeited (in shares)			(29,685)	(35,210)	(29,159)
Shares Unvested (in shares)			594,669	555,296	692,806	594,669
Restricted Stock Units [Abstract]
Shares awards			284,904	245,845	180,450
Leadership Team
Number [Roll Forward]
Shares awards			129,723		6,200
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards			129,723		6,200
Restricted Stock Units [Abstract]
Shares awards			129,723		6,200
Restricted shares withheld for taxes and related tax benefit (in shares)			43,996		1,860
Time Based Awards 2018 | Associates
Number [Roll Forward]
Shares awards	[2],[3]				147,601
Shares forfeited (in shares)	[3],[4]		(17,358)
Unvested, end of period (in shares)	[3]		74,348
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[2],[3]				147,601
Restrictions lapsed and shares released to participants (in shares)	[3]		38,972
Shares withheld for taxes by participants (in shares)	[3]		16,923
Shares forfeited (in shares)	[3],[4]		(17,358)
Shares Unvested (in shares)	[3]		74,348			74,348
Restricted Stock Units [Abstract]
Shares awards	[2],[3]				147,601
Time Based Awards 2018 | Associates | BNC Bancorp
Number [Roll Forward]
Shares awards	[2],[3],[5]				16,777
Shares forfeited (in shares)	[3],[4],[5]		(942)
Unvested, end of period (in shares)	[3],[5]		5,204
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[2],[3],[5]				16,777
Restrictions lapsed and shares released to participants (in shares)	[3],[5]		8,683
Shares withheld for taxes by participants (in shares)	[3],[5]		1,948
Shares forfeited (in shares)	[3],[4],[5]		(942)
Shares Unvested (in shares)	[3],[5]		5,204			5,204
Restricted Stock Units [Abstract]
Shares awards	[2],[3],[5]				16,777
Time Based Awards 2018 | Associates | Minimum
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years			3 years
Time Based Awards 2018 | Associates | Maximum
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years			5 years
Time Based Awards 2019 | Associates
Number [Roll Forward]
Shares awards	[2],[3]			229,296
Shares forfeited (in shares)	[3],[4]		(22,543)
Unvested, end of period (in shares)	[3]		164,450
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[2],[3]			229,296
Restrictions lapsed and shares released to participants (in shares)	[3]		30,287
Shares withheld for taxes by participants (in shares)	[3]		12,016
Shares forfeited (in shares)	[3],[4]		(22,543)
Shares Unvested (in shares)	[3]		164,450			164,450
Restricted Stock Units [Abstract]
Shares awards	[2],[3]			229,296
Time Based Awards 2019 | Associates | Minimum
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years			3 years
Time Based Awards 2019 | Associates | Maximum
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years			5 years
Time Based Awards 2020 | Associates
Number [Roll Forward]
Shares awards	[2],[3]		266,379
Shares forfeited (in shares)	[3],[4]		(7,573)
Unvested, end of period (in shares)	[3]		254,430
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[2],[3]		266,379
Restrictions lapsed and shares released to participants (in shares)	[3]		3,034
Shares withheld for taxes by participants (in shares)	[3]		1,342
Shares forfeited (in shares)	[3],[4]		(7,573)
Shares Unvested (in shares)	[3]		254,430			254,430
Restricted Stock Units [Abstract]
Shares awards	[2],[3]		266,379
Time Based Awards 2020 | Associates | Minimum
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years	[3]		3 years
Time Based Awards 2020 | Associates | Maximum
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years	[3]		5 years
Outside Director Awards 2018
Number [Roll Forward]
Shares awards	[2],[6]				16,072
Shares forfeited (in shares)	[4],[6]		0
Unvested, end of period (in shares)	[6]		0
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years					1 year
Shares awards	[2],[6]				16,072
Restrictions lapsed and shares released to participants (in shares)	[6]		12,783
Shares withheld for taxes by participants (in shares)	[6]		3,289
Shares forfeited (in shares)	[4],[6]		0
Shares Unvested (in shares)	[6]		0			0
Restricted Stock Units [Abstract]
Shares awards	[2],[6]				16,072
Outside Director Awards 2019
Number [Roll Forward]
Shares awards	[2],[6]			16,549
Shares forfeited (in shares)	[4],[6]		0
Unvested, end of period (in shares)	[6]		0
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years				1 year
Shares awards	[2],[6]			16,549
Restrictions lapsed and shares released to participants (in shares)	[6]		14,582
Shares withheld for taxes by participants (in shares)	[6]		1,967
Shares forfeited (in shares)	[4],[6]		0
Shares Unvested (in shares)	[6]		0			0
Restricted Stock Units [Abstract]
Shares awards	[2],[6]			16,549
Outside Director Awards 2020
Number [Roll Forward]
Shares awards	[2],[6]		18,525
Shares forfeited (in shares)	[4],[6]		0
Unvested, end of period (in shares)	[6]		18,525
Restricted stock grants grouped by similar vesting criteria [Abstract]
Vesting Period in years			1 year
Shares awards	[2],[6]		18,525
Restrictions lapsed and shares released to participants (in shares)	[6]		0
Shares withheld for taxes by participants (in shares)	[6]		0
Shares forfeited (in shares)	[4],[6]		0
Shares Unvested (in shares)	[6]		18,525			18,525
Restricted Stock Units [Abstract]
Shares awards	[2],[6]		18,525
2020 Restricted Share Units | Senior Executive Officers | Minimum
Number [Roll Forward]
Shares awards	[7]		136,137
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		136,137
Restricted Stock Units [Abstract]
Shares awards	[7]		136,137
2020 Restricted Share Units | Senior Executive Officers | Maximum
Number [Roll Forward]
Shares awards	[7]		204,220
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		204,220
Restricted Stock Units [Abstract]
Shares awards	[7]		204,220
2020 Restricted Share Units | Leadership Team
Number [Roll Forward]
Shares awards	[7]		59,648
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		59,648
Restricted Stock Units [Abstract]
Shares awards	[7]		59,648
2019 Restricted Share Unit | Senior Executive Officers | Minimum
Number [Roll Forward]
Shares awards	[7]		166,211
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		166,211
Restricted Stock Units [Abstract]
Shares awards	[7]		166,211
2019 Restricted Share Unit | Senior Executive Officers | Maximum
Number [Roll Forward]
Shares awards	[7]		249,343
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		249,343
Restricted Stock Units [Abstract]
Shares awards	[7]		249,343
2019 Restricted Share Unit | Leadership Team
Number [Roll Forward]
Shares awards	[7]		52,244
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		52,244
Restricted Stock Units [Abstract]
Shares awards	[7]		52,244
2018 Restricted Share Units | Senior Executive Officers | Minimum
Number [Roll Forward]
Shares awards	[7]		96,878
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		96,878
Restricted Stock Units [Abstract]
Shares awards	[7]		96,878
2018 Restricted Share Units | Senior Executive Officers | Maximum
Number [Roll Forward]
Shares awards	[7]		145,339
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		145,339
Restricted Stock Units [Abstract]
Shares awards	[7]		145,339
2018 Restricted Share Units | Leadership Team
Number [Roll Forward]
Shares awards	[7]		25,990
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		25,990
Restricted Stock Units [Abstract]
Shares awards	[7]		25,990
2017 Restricted Share Units | Senior Executive Officers | Minimum
Number [Roll Forward]
Shares awards	[7]		72,537
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		72,537
Restricted Stock Units [Abstract]
Shares awards	[7]		72,537
2017 Restricted Share Units | Senior Executive Officers | Maximum
Number [Roll Forward]
Shares awards	[7]		109,339
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		109,339
Restricted Stock Units [Abstract]
Shares awards	[7]		109,339
2017 Restricted Share Units | Leadership Team
Number [Roll Forward]
Shares awards	[7]		24,916
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		24,916
Restricted Stock Units [Abstract]
Shares awards	[7]		24,916
2016 Restricted Share Units | Senior Executive Officers | Minimum
Number [Roll Forward]
Shares awards	[7]		73,474
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		73,474
Restricted Stock Units [Abstract]
Shares awards	[7]		73,474
2016 Restricted Share Units | Senior Executive Officers | Maximum
Number [Roll Forward]
Shares awards	[7]		110,223
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		110,223
Restricted Stock Units [Abstract]
Shares awards	[7]		110,223
2016 Restricted Share Units | Leadership Team
Number [Roll Forward]
Shares awards	[7]		26,683
Restricted stock grants grouped by similar vesting criteria [Abstract]
Shares awards	[7]		26,683
Restricted Stock Units [Abstract]
Shares awards	[7]		26,683
Non qualified stock options
Number [Roll Forward]
Options exercisable (in shares)						55,759
Incentive stock option
Number [Roll Forward]
Options exercisable (in shares)						46,010
Tranche 2022 | 2020 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			1 year
Tranche 2021 | 2020 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			2 years
Tranche 2021 | 2019 Restricted Share Unit
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			1 year
Tranche 2020 | 2020 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			3 years
Tranche 2020 | 2019 Restricted Share Unit
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			2 years
Tranche 2020 | 2018 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			1 year
Tranche 2019 | 2019 Restricted Share Unit
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			3 years
Tranche 2019 | 2018 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			2 years
Tranche 2019 | 2017 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			1 year
Tranche 2018 | 2018 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			3 years
Tranche 2018 | 2017 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			2 years
Tranche 2018 | 2016 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			1 year
Tranche 2017 | 2017 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			3 years
Tranche 2017 | 2016 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			2 years
Tranche 2016 | 2016 Restricted Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			2 years
Restricted Stock Units [Abstract]
Service period per tranche (in years)			2 years
Subsequent holding period per tranche (in years)			3 years
Equity Incentive Plan 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant						800,554
CapitalMark Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Acquisitions in Period		858,000
[1]	The aggregate intrinsic value is calculated as the difference between the exercise price of the underlying awards and the quoted price of Pinnacle Financial Common Stock of $64.40 per common share at December 31, 2020 for the 101,769 options that were in-the-money at December 31, 2020.
[2]	Groups include employees (referred to as associates above) and outside directors. When the restricted shares are awarded, a participant receives voting rights and forfeitable dividend rights with respect to the shares, but is not able to transfer the shares until the restrictions have lapsed. Once the restrictions lapse, the participant is taxed on the value of the award and may elect to sell some shares (or have Pinnacle Financial withhold some shares) to pay the applicable income taxes associated with the award. Alternatively, the recipient can pay the withholding taxes in cash. For time-based vesting restricted share awards, dividends paid on shares for which the forfeiture restrictions do not lapse will be recouped by Pinnacle Financial at the time of termination. For awards to Pinnacle Financial's directors, dividends are placed into escrow until the forfeiture restrictions on such shares lapse.
[3]	The forfeiture restrictions on these restricted share awards lapse in equal annual installments on the anniversary date of the grant.
[4]	These shares represent forfeitures resulting from recipients whose employment or board membership is terminated during each of the years in the three-year period ended December 31, 2020 or for which the performance criteria applicable to the award are not achieved. Any dividends paid on shares for which the forfeiture restrictions do not lapse will be recouped by Pinnacle Financial at the time of termination or will not be distributed from escrow, as applicable.
[5]	Restricted share awards issued to associates that were former associates of BNC and to Pinnacle Financial's Chairman of the Carolinas and Virginia pursuant to legacy BNC incentive plans assumed by Pinnacle Financial.
[6]	Restricted share awards are issued to the outside members of the board of directors in accordance with their board compensation plan.  Restrictions on those awards granted in 2020 lapse on February 28, 2021 based on each individual board member meeting their attendance goals for the various board and board committee meetings to which each member was scheduled to attend.
[7]	The named executive officers are awarded a range of awards that may be earned based on attainment of goals at a target level of performance to a maximum level of performance.

Derivative Instruments - Non-he

Derivative Instruments - Non-hedge Derivatives (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Derivative, Gain (Loss) on Derivative, Net	$ (1,109)	$ (80)	$ (33)
Not Designated as Hedging Instrument
Derivative [Line Items]
Notional	3,131,832	2,592,778
Estimated fair value	(1,317)	(208)
Not Designated as Hedging Instrument | Assets
Derivative [Line Items]
Notional	1,565,916	1,296,389
Estimated fair value	101,602	43,507
Not Designated as Hedging Instrument | Liabilities
Derivative [Line Items]
Notional	1,565,916	1,296,389
Estimated fair value	$ (102,919)	$ (43,715)

Derivative Instruments - Hedge

Derivative Instruments - Hedge Derivatives (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 16, 2020	Mar. 31, 2020
Derivative [Line Items]
Derivative, Gain (Loss) on Derivative, Net	$ (1,109,000)	$ (80,000)	$ (33,000)
Gain (loss) on cash flow hedges reclassified from other comprehensive income into net income, net of tax	5,542,000	1,588,000	(657,000)
Amortization	2,300,000	2,700,000	3,000,000
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months	6,600,000
Swap Termination Payment	14,000,000
Cash flow hedge
Derivative [Line Items]
Unrealized Gain (Loss) in Accumulated Other Comprehensive Income	16,500,000
Notional				$ 99,000,000	$ 1,300,000,000
Gain (loss) on cash flow hedges reclassified from other comprehensive income into net income, net of tax	4,700,000
Hedging derivative | Cash flow hedge
Derivative [Line Items]
Unrealized Gain (Loss) in Accumulated Other Comprehensive Income	65,426,000	(2,581,000)	2,660,000
Hedging derivative | Fair value hedge
Derivative [Line Items]
Amortization	4,300,000	2,700,000
Hedging derivative | Fair value hedge | Securities
Derivative [Line Items]
Derivative Instruments and Hedges, Assets	841,543,000	551,789,000
Fair Value Hedging Adjustment	67,314,000	40,778,000
Gain (Loss) on Fair Value Hedges Recognized in Earnings	(26,536,000)	(25,982,000)	(14,796,000)
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	26,536,000	25,982,000	14,796,000
Notional	708,931,000	477,905,000
Fair Value Hedges, Net	(67,314,000)	(40,778,000)
Hedging derivative | Fair value hedge | Loans
Derivative [Line Items]
Gain (Loss) on Fair Value Hedges Recognized in Earnings	0	(6,915,000)	(7,037,000)
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	0	6,915,000	7,037,000
Asset derivatives | Hedging derivative | Cash flow hedge
Derivative [Line Items]
Unrealized Gain (Loss) in Accumulated Other Comprehensive Income	$ 62,979,000	(1,432,000)	0
Description of Location of Interest Rate Derivatives on Balance Sheet	Other assets
Pay Rate (as percent)	0.00%
Receive Rate	2.25% minus 1 month LIBOR
Notional	$ 1,500,000,000	2,800,000,000
Cash Flow Hedges Derivative Instruments at Fair Value, Net	$ 124,585,000	87,422,000
Weighted Average Remaining Maturity Derivative	3 years 11 months 4 days
Asset derivatives | Hedging derivative | Fair value hedge | Securities
Derivative [Line Items]
Description of Location of Interest Rate Derivatives on Balance Sheet	Other assets
Pay Rate (as percent)	0.58%
Notional	$ 231,421,000	0
Weighted Average Remaining Maturity Derivative	8 years 7 months 2 days
Derivative, Underlying Basis	Federal funds
Fair Value Hedge Assets	$ 4,696,000	0
Liability derivatives | Hedging derivative | Cash flow hedge
Derivative [Line Items]
Unrealized Gain (Loss) in Accumulated Other Comprehensive Income	$ 2,447,000	(1,149,000)	$ 2,660,000
Description of Location of Interest Rate Derivatives on Balance Sheet	Other liabilities
Pay Rate (as percent)	0.00%
Notional	$ 0	99,000,000
Cash Flow Hedges Derivative Instruments at Fair Value, Net	$ 0	(3,312,000)
Liability derivatives | Hedging derivative | Fair value hedge | Securities
Derivative [Line Items]
Description of Location of Interest Rate Derivatives on Balance Sheet	Other liabilities
Pay Rate (as percent)	3.08%
Notional	$ 477,510,000	477,905,000
Weighted Average Remaining Maturity Derivative	6 years 14 days
Derivative, Underlying Basis	3 month LIBOR
Fair Value Hedge Liabilities	$ (72,010,000)	$ (40,778,000)

Employee Contract (Details)

Employee Contract (Details)	12 Months Ended
	Dec. 31, 2020contract
Compensation Related Costs [Abstract]
Number of senior executives that enter into automatic renewing employment agreements	5
Number of senior executive to whom entity is obligated to pay certain amount	5

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Assets, Fair Value Disclosure [Abstract]
Other Investments		$ 47,800	$ 38,200
Assets and liabilities measured at fair value on a nonrecurring basis [Abstract]
Valuation allowance of impaired loans		3,500	3,300
Assets measured on recurring basis, unobservable input reconciliation, calculation [Roll Forward]
Transfers out of Level 3		0
Other Liabilities
Assets measured on recurring basis, unobservable input reconciliation, calculation [Roll Forward]
Fair value, beginning of period		0	0
Total realized gains included in income		0	0
Fair Value, Assets Measured on Recurring Basis, Change in Unrealized Gain (Loss)		0	0
Purchases		0	0
Issuances		0	0
Settlements		0	0
Transfers out of Level 3		0	0
Fair value, December 31		0	0
Other Assets
Assets measured on recurring basis, unobservable input reconciliation, calculation [Roll Forward]
Fair value, beginning of period		38,156	26,422
Total realized gains included in income		1,067	2,785
Fair Value, Assets Measured on Recurring Basis, Change in Unrealized Gain (Loss)		0	0
Purchases		11,663	11,297
Issuances		0	0
Settlements		(3,127)	(2,348)
Transfers out of Level 3		0	0
Fair value, December 31		47,759	38,156
Available-for-sale Securities
Assets measured on recurring basis, unobservable input reconciliation, calculation [Roll Forward]
Fair value, beginning of period		15,903	14,595
Total realized gains included in income		110	116
Fair Value, Assets Measured on Recurring Basis, Change in Unrealized Gain (Loss)		627	2,710
Purchases		0	0
Issuances		0	0
Settlements		(1,143)	(1,518)
Transfers out of Level 3		0	0
Fair value, December 31		15,497	15,903
Fair Value, Measurements, Nonrecurring
Assets, Fair Value Disclosure [Abstract]
Total assets at fair value		56,155	61,964
Assets and liabilities measured at fair value on a nonrecurring basis [Abstract]
Other real estate owned		12,360	29,487
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	43,795	32,477
Fair Value, Measurements, Nonrecurring | Quoted Market Prices in an Active Market (Level 1)
Assets, Fair Value Disclosure [Abstract]
Total assets at fair value		0	0
Assets and liabilities measured at fair value on a nonrecurring basis [Abstract]
Other real estate owned		0	0
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	0	0
Fair Value, Measurements, Nonrecurring | Models with Significant Observable Market Parameters (Level 2)
Assets, Fair Value Disclosure [Abstract]
Total assets at fair value		0	0
Assets and liabilities measured at fair value on a nonrecurring basis [Abstract]
Other real estate owned		0	0
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	0	0
Fair Value, Measurements, Nonrecurring | Models with Significant Unobservable Market Parameters (Level 3)
Assets, Fair Value Disclosure [Abstract]
Total assets at fair value		56,155	61,964
Assets and liabilities measured at fair value on a nonrecurring basis [Abstract]
Other real estate owned		12,360	29,487
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	43,795	32,477
Fair Value, Measurements, Recurring
Assets, Fair Value Disclosure [Abstract]
U.S. treasury securities		82,209	72,867
U.S. government agency securities		76,403	79,692
Mortgage-backed securities		1,689,191	1,463,907
State and municipal securities		1,443,363	1,714,453
Asset-backed securities		177,936	152,972
Corporate notes and other		117,579	56,104
Total investment securities available-for-sale		3,586,681	3,539,995
Other Investments		73,395	63,291
Other assets		242,470	134,040
Total assets at fair value		3,902,546	3,737,326
Liabilities at fair value [Abstract]
Other liabilities		177,025	87,613
Total liabilities at fair value		177,025	87,613
Fair Value, Measurements, Recurring | Quoted Market Prices in an Active Market (Level 1)
Assets, Fair Value Disclosure [Abstract]
U.S. treasury securities		0	0
U.S. government agency securities		0	0
Mortgage-backed securities		0	0
State and municipal securities		0	0
Asset-backed securities		0	0
Corporate notes and other		0	0
Total investment securities available-for-sale		0	0
Other Investments		0	0
Other assets		0	0
Total assets at fair value		0	0
Liabilities at fair value [Abstract]
Other liabilities		0	0
Total liabilities at fair value		0	0
Fair Value, Measurements, Recurring | Models with Significant Observable Market Parameters (Level 2)
Assets, Fair Value Disclosure [Abstract]
U.S. treasury securities		82,209	72,867
U.S. government agency securities		76,403	79,692
Mortgage-backed securities		1,689,191	1,463,907
State and municipal securities		1,427,866	1,698,550
Asset-backed securities		177,936	152,972
Corporate notes and other		117,579	56,104
Total investment securities available-for-sale		3,571,184	3,524,092
Other Investments		25,636	25,135
Other assets		242,470	134,040
Total assets at fair value		3,839,290	3,683,267
Liabilities at fair value [Abstract]
Other liabilities		177,025	87,613
Total liabilities at fair value		177,025	87,613
Fair Value, Measurements, Recurring | Models with Significant Unobservable Market Parameters (Level 3)
Assets, Fair Value Disclosure [Abstract]
U.S. treasury securities		0	0
U.S. government agency securities		0	0
Mortgage-backed securities		0	0
State and municipal securities		15,497	15,903
Asset-backed securities		0	0
Corporate notes and other		0	0
Total investment securities available-for-sale		15,497	15,903
Other Investments		47,759	38,156
Other assets		0	0
Total assets at fair value		63,256	54,059
Liabilities at fair value [Abstract]
Other liabilities		0	0
Total liabilities at fair value		$ 0	$ 0
[1]	The carrying value of collateral dependent loans at December 31, 2020 is net of a valuation allowance of $3.5 million, and the carrying value of impaired loans at December 31, 2019 is net of a valuation allowance of $3.3 million.

Fair Value of Financial Instr_4

Fair Value of Financial Instruments, Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Financial assets [Abstract]
Securities held-to-maturity, fair value		$ 1,066,531	$ 201,217
Quoted Market Prices in an Active Market (Level 1)
Financial assets [Abstract]
Securities held-to-maturity, fair value		0	0
Loans Receivable, Fair Value Disclosure		0	0
Consumer loans held-for-sale		0	0
Commercial loans held-for-sale		0	0
Financial liabilities [Abstract]
Deposits and securities sold under agreements to repurchase, fair value disclosure		0	0
Federal Home Loan Bank advances		0	0
Subordinated debt and other borrowings		0	0
Off-balance sheet instruments [Abstract]
Commitments to extend credit	[1]	0	0
Models with Significant Observable Market Parameters (Level 2)
Financial assets [Abstract]
Securities held-to-maturity, fair value		1,066,531	201,217
Loans Receivable, Fair Value Disclosure		0	0
Consumer loans held-for-sale		89,625	82,986
Commercial loans held-for-sale		31,841	17,836
Financial liabilities [Abstract]
Deposits and securities sold under agreements to repurchase, fair value disclosure		0	0
Federal Home Loan Bank advances		0	0
Subordinated debt and other borrowings		0	0
Off-balance sheet instruments [Abstract]
Commitments to extend credit	[1]	0	0
Models with Significant Unobservable Market Parameters (Level 3)
Financial assets [Abstract]
Securities held-to-maturity, fair value		0	0
Loans Receivable, Fair Value Disclosure		22,407,546	19,717,845
Consumer loans held-for-sale		0	0
Commercial loans held-for-sale		0	0
Financial liabilities [Abstract]
Deposits and securities sold under agreements to repurchase, fair value disclosure		26,929,142	19,647,392
Federal Home Loan Bank advances		1,189,035	2,078,514
Subordinated debt and other borrowings		677,521	712,220
Off-balance sheet instruments [Abstract]
Commitments to extend credit	[1]	24,887	3,786
Reported Value Measurement [Member]
Financial assets [Abstract]
Securities held-to-maturity, fair value		1,028,359	188,996
Loans Receivable, Fair Value Disclosure		22,139,451	19,693,099
Consumer loans held-for-sale		87,821	81,820
Commercial loans held-for-sale		31,200	17,585
Financial liabilities [Abstract]
Deposits and securities sold under agreements to repurchase, fair value disclosure		27,833,739	20,307,382
Federal Home Loan Bank advances		1,087,927	2,062,534
Subordinated debt and other borrowings		670,575	749,080
Off-balance sheet instruments [Abstract]
Commitments to extend credit	[1]	9,692,607	8,141,920
Estimate of Fair Value Measurement [Member]
Financial assets [Abstract]
Securities held-to-maturity, fair value	[2]	1,066,531	201,217
Loans Receivable, Fair Value Disclosure	[2]	22,407,546	19,171,845
Consumer loans held-for-sale	[2]	89,625	82,986
Commercial loans held-for-sale	[2]	31,841	17,836
Financial liabilities [Abstract]
Deposits and securities sold under agreements to repurchase, fair value disclosure	[2]	26,929,142	19,647,392
Federal Home Loan Bank advances	[2]	1,189,035	2,078,514
Subordinated debt and other borrowings	[2]	677,521	712,220
Off-balance sheet instruments [Abstract]
Commitments to extend credit	[1],[2]	$ 24,887	$ 3,786
[1]	At the end of each period, Pinnacle Financial evaluates the inherent risks of the outstanding off-balance sheet commitments, including both commitments for unfunded loans and standby letters of credit. In making this evaluation, Pinnacle Financial utilizes credit loss expectations on funded loans from our allowance for credit losses methodology and evaluates the probability that the outstanding commitment will eventually become a funded loan .
[2]	Estimated fair values are consistent with an exit-price concept. The assumptions used to estimate the fair values are intended to approximate those that a market-participant would realize in a hypothetical orderly transaction.

Variable Interest Entities (Det

Variable Interest Entities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Variable Interest Entity [Line Items]
Proceeds from Issuance of Subordinated Long-term Debt	$ 133,000
Subordinated Debt | Trust Preferred Issuances
Variable Interest Entity [Line Items]
Liability Recognized	132,995	$ 132,995
Other Assets | Low Income Housing Partnerships
Variable Interest Entity [Line Items]
Maximum Loss Exposure	143,190	100,885
Liability Recognized	0	0
Loans | Commercial Troubled Debt Restructurings
Variable Interest Entity [Line Items]
Maximum Loss Exposure	180	828
Liability Recognized	$ 0	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ / shares in Units, shares in Thousands		3 Months Ended	12 Months Ended
		Jun. 30, 2020	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2020
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Preceding period of retained earnings used in calculation of dividend payable			2 years
Retained earnings			$ 1,407,723,000	$ 1,184,183,000
SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries			$ 119,100,000
Dividends Payable, Amount Per Share			$ 0.18			$ 0.16
Preferred Stock, Dividend Rate, Per-Dollar-Amount			$ 16.88
Preferred Stock, Dividend Per Depositary Share			$ 0.422
Depositary Shares		9,000
Minimum To Be Well Capitalized - Ratios
Proceeds from Issuance of Preferred Stock, Preference Stock, and Warrants			217,126,000	0	$ 0
Pinnacle Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Retained earnings			788,300,000
Actual Amount
Total capital to risk weighted assets:			3,259,538,000	2,906,853,000
Tier I capital to risk weighted assets:			2,933,674,000	2,679,713,000
Common Equity Tier 1 capital to risk weighted assets:			2,933,551,000	2,679,590,000
Tier I capital to average assets (*):	[1]		$ 2,933,674,000	$ 2,679,713,000
Actual Ratios
Total capital to risk weighted assets:			12.70%	12.20%
Tier I capital to risk weighted assets:			11.40%	11.20%
Common equity Tier 1 capital:			11.40%	11.20%
Tier I capital to average assets (*):	[1]		9.10%	10.50%
Minimum Capital Requirement
Total capital to risk weighted assets:			$ 2,055,892,000	$ 1,906,839,000
Tier I capital to risk weighted assets:			1,541,919,000	1,430,129,000
Common equity Tier 1 capital to risk weighted assets:			1,156,439,000	1,072,597,000
Tier I capital to average assets (*):	[1]		$ 1,294,033,000	$ 1,019,210,000
Minimum Capital Requirement - Ratios
Total capital to risk weighted assets:			8.00%	8.00%
Tier I capital to risk weighted assets:			6.00%	6.00%
Common equity Tier 1 risk based capital to risk weighted assets:			4.50%	4.50%
Tier I capital to average assets (*):	[1]		4.00%	4.00%
Minimum To Be Well Capitalized
Total capital to risk weighted assets:			$ 2,569,865,000	$ 2,383,549,000
Tier I capital to risk weighted assets:			2,055,892,000	1,906,839,000
Common equity Tier 1 capital to risk weighted assets:			1,670,412,000	1,549,307,000
Tier I capital to average assets (*):	[1]		$ 1,617,541,000	$ 1,274,012,000
Minimum To Be Well Capitalized - Ratios
Total capital to risk weighted assets:			10.00%	10.00%
Tier I capital to risk weighted assets:			8.00%	8.00%
Common equity Tier 1 capital to risk weighted assets:			6.50%	6.50%
Tier I capital to average assets (*):	[1]		5.00%	5.00%
Pinnacle Financial
Actual Amount
Total capital to risk weighted assets:			$ 3,678,405,000	$ 3,159,375,000
Tier I capital to risk weighted assets:			2,803,541,000	2,319,234,000
Common Equity Tier 1 capital to risk weighted assets:			2,586,292,000	2,319,112,000
Tier I capital to average assets (*):	[1]		$ 2,803,541,000	$ 2,319,234,000
Actual Ratios
Total capital to risk weighted assets:			14.30%	13.20%
Tier I capital to risk weighted assets:			10.90%	9.70%
Common equity Tier 1 capital:			10.00%	9.70%
Tier I capital to average assets (*):	[1]		8.60%	9.10%
Minimum Capital Requirement
Total capital to risk weighted assets:			$ 2,063,352,000	$ 1,912,885,000
Tier I capital to risk weighted assets:			1,547,514,000	1,434,664,000
Common equity Tier 1 capital to risk weighted assets:			1,160,635,000	1,075,998,000
Tier I capital to average assets (*):	[1]		$ 1,298,756,000	$ 1,021,836,000
Minimum Capital Requirement - Ratios
Total capital to risk weighted assets:			8.00%	8.00%
Tier I capital to risk weighted assets:			6.00%	6.00%
Common equity Tier 1 risk based capital to risk weighted assets:			4.50%	4.50%
Tier I capital to average assets (*):	[1]		4.00%	4.00%
Minimum To Be Well Capitalized
Total capital to risk weighted assets:			$ 2,579,190,000	$ 2,391,106,000
Tier I capital to risk weighted assets:			$ 2,063,352,000	$ 1,912,885,000
Minimum To Be Well Capitalized - Ratios
Total capital to risk weighted assets:			10.00%	10.00%
Tier I capital to risk weighted assets:			8.00%	8.00%
Proceeds from Issuance of Preferred Stock, Preference Stock, and Warrants			$ 217,126,000	$ 0	$ 0
[1]	(*) Average assets for the above calculations were based on the most recent quarter.

Parent Company Only Financial_3

Parent Company Only Financial Information (Details) - USD ($)	3 Months Ended												12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Investment in unconsolidated subsidiaries:
Other assets																$ 1,520,757,000	$ 1,220,435,000
Total assets																34,932,860,000	27,805,496,000
Liabilities and Equity [Abstract]
Subordinated debt and other borrowings																670,575,000	749,080,000
Other Liabilities																411,074,000	288,569,000
Stockholders' equity																4,904,611,000	4,355,748,000	$ 3,965,940,000	$ 3,707,952,000
Total liabilities and stockholders' equity																34,932,860,000	27,805,496,000
Expenses:
Interest expense - subordinated debentures													$ 199,254,000	$ 301,794,000	$ 210,375,000
Personnel expense, including stock compensation													334,483,000	313,359,000	271,673,000
Income tax expense (benefit)													59,037,000	96,656,000	90,508,000
Net income	$ 110,876,000	$ 110,645,000	$ 62,444,000	$ 28,356,000									312,321,000	400,881,000	359,440,000
Preferred stock dividends													7,596,000	0	0
Net income available to common shareholders	107,078,000	106,847,000	62,444,000	28,356,000	$ 96,079,000	$ 110,521,000	$ 100,321,000	$ 93,960,000	$ 95,318,000	$ 93,747,000	$ 86,865,000	$ 83,510,000	304,725,000	400,881,000	359,440,000
CONDENSED STATEMENTS OF CASH FLOWS [Abstract]
Net income	110,876,000	$ 110,645,000	$ 62,444,000	28,356,000									312,321,000	400,881,000	359,440,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion													45,203,000	8,342,000	(23,604,000)
Stock-based compensation expense													18,737,000	21,226,000	17,636,000
Deferred tax (expense) benefit													(58,315,000)	14,696,000	11,765,000
Income from equity method investment													(83,539,000)	(90,111,000)	(51,222,000)
Dividends received from equity method investment													53,020,000	51,312,000	33,651,000
Excess tax benefit from stock compensation													(417,000)	(1,011,000)	(2,966,000)
(Increase) decrease in other assets													(157,294,000)	(57,499,000)	(24,471,000)
Increase in other liabilities													81,322,000	79,264,000	60,617,000
Net cash provided by operating activities													427,825,000	434,288,000	470,757,000
Investing activities:
Increase in other investments													(71,254,000)	(55,926,000)	(56,918,000)
Net cash used in investing activities													(3,568,662,000)	(2,619,061,000)	(2,969,084,000)
Financing activities:
Repayments of other borrowings													136,661,000	184,175,000	620,000
Issuance of common stock pursuant to restricted stock unit agreement, net of shares withheld for taxes													(2,488,000)	0	0
Proceeds from Issuance of Preferred Stock, Preference Stock, and Warrants													217,126,000	0	0
Repurchase of common stock													(50,790,000)	(61,416,000)	(20,694,000)
Common dividends paid													49,389,000	49,828,000	45,454,000
Preferred stock dividends paid													7,596,000	0	0
Net cash provided by financing activities													6,575,579,000	1,989,788,000	2,440,423,000
Investment Income, Dividend													119,100,000	114,000,000	83,100,000
Parent Company
Assets [Abstract]
Cash and cash equivalents	275,888,000			182,091,000	182,091,000			94,043,000	94,043,000			64,851,000	182,091,000	94,043,000	64,851,000	275,888,000	182,091,000	$ 94,043,000	$ 64,851,000
Investment in unconsolidated subsidiaries:
Unconsolidated subsidiaries																3,995,000	3,995,000
Other investments																113,445,000	97,459,000
Current income tax receivable																51,621,000	11,696,000
Other assets																25,747,000	29,566,000
Total assets																5,452,178,000	4,985,933,000
Liabilities and Equity [Abstract]
Taxes Payable																0	2,467,000
Subordinated debt and other borrowings																541,286,000	620,256,000
Other Liabilities																6,281,000	7,462,000
Stockholders' equity																4,904,611,000	4,355,748,000
Total liabilities and stockholders' equity																5,452,178,000	4,985,933,000
CONDENSED STATEMENTS OF OPERATIONS [Abstract]
Income from equity method investment													22,587,000	24,298,000	13,731,000
Other income (loss)													3,861,000	3,485,000	1,310,000
Expenses:
Interest expense - subordinated debentures													23,877,000	18,425,000	17,703,000
Personnel expense, including stock compensation													18,737,000	21,226,000	17,636,000
Other expense													2,905,000	1,496,000	1,312,000
Income before income taxes and equity in undistributed income of subsidiaries													100,113,000	100,796,000	61,650,000
Income tax expense (benefit)													(5,370,000)	(4,457,000)	(8,570,000)
Income before equity in undistributed income of subsidiaries													105,483,000	105,253,000	70,220,000
Equity in undistributed income of bank subsidiaries													205,327,000	294,354,000	288,728,000
Equity in undistributed income (loss) of nonbank subsidiaries													1,511,000	1,274,000	492,000
Net income													312,321,000	400,881,000	359,440,000
Preferred stock dividends													7,596,000	0	0
Net income available to common shareholders													304,725,000	400,881,000	359,440,000
CONDENSED STATEMENTS OF CASH FLOWS [Abstract]
Net income													312,321,000	400,881,000	359,440,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion													1,122,000	(3,094,000)	105,000
Stock-based compensation expense													18,737,000	21,226,000	17,636,000
Increase (Decrease) in Income Taxes Payable, Net of Income Taxes Receivable													(2,467,000)	2,467,000	(24,000)
Deferred tax (expense) benefit													3,876,000	(2,857,000)	(549,000)
Income from equity method investment													(22,587,000)	(24,298,000)	(13,731,000)
Dividends received from equity method investment													9,251,000	8,953,000	5,872,000
Excess tax benefit from stock compensation													(417,000)	(1,011,000)	(2,966,000)
Gain on other investments													(195,000)	(1,057,000)	(209,000)
(Increase) decrease in other assets													(39,981,000)	7,295,000	4,390,000
Increase in other liabilities													(764,000)	5,322,000	2,758,000
Equity in undistributed (income) loss of bank subsidiaries													(205,327,000)	(294,354,000)	(288,728,000)
Equity in undistributed (income) loss of nonbank subsidiaries													(1,511,000)	(1,274,000)	(492,000)
Net cash provided by operating activities													72,058,000	118,199,000	83,502,000
Investing activities:
Investment in consolidated banking subsidiaries													0	(180,000,000)	0
Increase in other investments													(2,454,000)	(1,411,000)	(2,321,000)
Net cash used in investing activities													(2,454,000)	(181,411,000)	(2,321,000)
Proceeds from (Repayments of) Debt													(93,000)	316,078,000	19,850,000
Financing activities:
Repayments of other borrowings													80,000,000	49,880,000	620,000
Issuance of common stock pursuant to restricted stock unit agreement, net of shares withheld for taxes													(2,488,000)	0	0
Exercise of common stock options, net of shares surrendered for taxes													(2,577,000)	(3,694,000)	(5,071,000)
Proceeds from Issuance of Preferred Stock, Preference Stock, and Warrants													217,126,000	0	0
Repurchase of common stock													(50,790,000)	(61,416,000)	(20,694,000)
Common dividends paid													(49,389,000)	(49,828,000)	(45,454,000)
Preferred stock dividends paid													(7,596,000)	0	0
Net cash provided by financing activities													24,193,000	151,260,000	(51,989,000)
Cash and Cash Equivalents, Period Increase (Decrease)													93,797,000	88,048,000	29,192,000
Cash and cash equivalents, beginning of year				$ 182,091,000				$ 94,043,000				$ 64,851,000	182,091,000	94,043,000	64,851,000
Cash and cash equivalents, end of year	$ 275,888,000				$ 182,091,000				$ 94,043,000				275,888,000	182,091,000	94,043,000
Banking
Assets [Abstract]
Investments in consolidated subsidiaries																4,972,160,000	4,653,310,000
CONDENSED STATEMENTS OF OPERATIONS [Abstract]
Income from bank subsidiaries													119,065,000	113,982,000	83,090,000
Nonbank subsidiaries
Assets [Abstract]
Investments in consolidated subsidiaries																$ 9,322,000	$ 7,816,000
CONDENSED STATEMENTS OF OPERATIONS [Abstract]
Income from bank subsidiaries													$ 119,000	$ 178,000	$ 170,000

Quarterly Financial Results (_3

Quarterly Financial Results (unaudited) (Details) - USD ($)	3 Months Ended												12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 257,047,000	$ 249,188,000	$ 251,738,000	$ 263,069,000	$ 268,453,000	$ 275,749,000	$ 265,851,000	$ 257,883,000	$ 256,095,000	$ 248,110,000	$ 230,984,000	$ 211,528,000	$ 1,021,042,000	$ 1,067,936,000	$ 946,717,000
Net interest income	220,985,000	206,594,000	200,657,000	193,552,000	194,172,000	195,806,000	188,918,000	187,246,000	190,215,000	189,420,000	182,236,000	174,471,000	821,788,000	766,142,000	736,342,000
Provision for credit losses	7,180,000	16,333,000	68,332,000	99,889,000	4,644,000	8,260,000	7,195,000	7,184,000	9,319,000	8,725,000	9,402,000	6,931,000	191,734,000	27,283,000	34,377,000
Net income before taxes	133,944,000	137,049,000	73,674,000	26,691,000	118,520,000	137,224,000	124,719,000	117,074,000	118,757,000	118,183,000	109,865,000	103,143,000	371,358,000	497,537,000	449,948,000
Net income	110,876,000	110,645,000	62,444,000	28,356,000									312,321,000	400,881,000	359,440,000
Net income available to common shareholders	$ 107,078,000	$ 106,847,000	$ 62,444,000	$ 28,356,000	$ 96,079,000	$ 110,521,000	$ 100,321,000	$ 93,960,000	$ 95,318,000	$ 93,747,000	$ 86,865,000	$ 83,510,000	$ 304,725,000	$ 400,881,000	$ 359,440,000
Basic net income per common share (in dollars per share)	$ 1.42	$ 1.42	$ 0.83	$ 0.37	$ 1.26	$ 1.45	$ 1.31	$ 1.22	$ 1.24	$ 1.22	$ 1.13	$ 1.08	$ 4.04	$ 5.25	$ 4.66
Diluted net income per common share (in dollars per share)	$ 1.42	$ 1.42	$ 0.83	$ 0.37	$ 1.26	$ 1.44	$ 1.31	$ 1.22	$ 1.23	$ 1.21	$ 1.12	$ 1.08	$ 4.03	$ 5.22	$ 4.64

Other Income and Expenses (Deta

Other Income and Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other noninterest income:
Interchange and other consumer fees	$ 40,960	$ 36,158	$ 28,720
Bank-owned life insurance	18,784	17,361	12,535
Loan swap fees	4,568	4,758	4,043
SBA loan sales	5,579	4,933	4,604
Gain on other equity investments	1,072	2,789	2,778
Other noninterest income	11,940	4,838	4,091
Total other noninterest income	82,903	70,837	56,771
Other noninterest expense:
Deposit related expenses	24,392	17,017	22,768
Lending related expenses	40,784	24,573	19,428
Wealth management related expenses	2,053	1,986	1,837
Audit, exam and insurance expense	10,596	9,194	7,791
FHLB restructuring charges	15,168	0	0
Administrative and other expenses	$ 23,725	$ 18,906	$ 16,036