Investor Relations
Credit Ratings
Moody's Credit Rating
| Category | Moody’s Rating |
|---|---|
| Pinnacle Financial Partners | |
| Outlook | Under Review* |
| Issuer Rating | Baa2 |
| Pinnacle Bank | |
| Outlook | Under Review* |
| Counterparty Risk Rating | Baa1/P-2 |
| Bank Deposits | A2/P-1 |
| Baseline Credit Assessment | Baa1 |
| Adjusted Baseline Credit Assessment | Baa1 |
| Counterparty Risk Assessment | A3/P-2 |
| Issuer Rating | Baa2 |
Source: Moody's Investor Service
* This rating reflects a downgrade made in July 2025 that is a typical after a large merger announcement. On July 24, 2025, Pinnacle announced its intent to combine with Synovus on all-stock transaction. See full details at PNFP.com/Synovus.
Moody's Investors Service (MIS) is a leading global provider of credit ratings, research, and risk analysis. Ratings assigned on Moody’s global rating scales are forward-looking opinions of the relative credit risks of financial obligations issued by corporations, financial institutions, structured finance vehicles, project finance vehicles, and public sector entities.
Moody’s long-term ratings represent opinions of the relative credit risk of financial obligations with an original maturity of one year or more. An entity’s long-term rating is one way of measuring the possibility that a financial obligation will not be honored as promised. Long-term ratings use Moody’s Global Scale to indicate the likelihood of default and any financial loss suffered in the event of default.
Moody’s short-term ratings apply to an individual issuer’s capacity to repay all short-term obligations rather than to specific short-term borrowing programs.
Fitch Credit Rating
| Category | Fitch Rating |
|---|---|
| Pinnacle Financial Partners Inc. | |
| Long-term Issuer Default Rating | BBB |
| Outlook | Negative* |
| Short-term Issuer Default Rating | F3 |
| Viability | bbb |
| Government Support | ns |
| Pinnacle Bank | |
| Long-term Issuer Default Rating | BBB |
| Outlook | Negative* |
| Short-term Issuer Default Rating | F3 |
| Viability | bbb |
| Government Support | ns |
| Long-term Deposits | BBB+ |
| Short-term Deposits | F2 |
Source: Fitch Ratings
* This rating reflects a downgrade made in July 2025 that is a typical after a large merger announcement. On July 24, 2025, Pinnacle announced its intent to combine with Synovus on all-stock transaction. See full details at PNFP.com/Synovus.
Fitch Ratings is one of the world’s leading providers of credit ratings, commentary and research. Founded over a century ago, Fitch is part of the “Big Three” credit rating agencies, alongside Moody’s and S&P Global. The firm is recognized globally for its independent analysis and robust methodology in assessing the creditworthiness of institutions, governments and financial instruments. Fitch’s insights help investors, policymakers and institutions make informed decisions, contributing to the transparency and stability of financial markets worldwide.
Fitch assigns ratings that reflect an entity’s ability to meet its financial obligations. These ratings, which range from “AAA” (highest credit quality) to “D” (default), provide a clear, standardized view of credit risk. A strong rating from Fitch reassures stakeholders that an institution is financially sound, well-managed and capable of honoring its commitments. Our recent Fitch ratings affirm our financial strength and stability, underscoring our ongoing commitment to maintaining a secure, reliable foundation for our clients and partners.
Fitch’s short-term ratings evaluate an issuer’s ability to meet all financial commitments due within a 12-month period, rather than rating specific short-term debt instruments.
