Investor Relations
Credit Ratings
Moody's Credit Rating
| Category | Moody’s Rating |
|---|---|
| Pinnacle Financial Partners | |
| Outlook | Stable |
| Issuer Rating | Baa3 |
| Pinnacle Bank | |
| Outlook | Stable |
| Counterparty Risk Rating | Baa2/P-2 |
| Bank Deposits | A3/P-2 |
| Baseline Credit Assessment | Baa2 |
| Adjusted Baseline Credit Assessment | Baa2 |
| Counterparty Risk Assessment | Baa1/P-2 |
| Issuer Rating | Baa3 |
Source: Moody's Investor Service
View Moody's press release.
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.
S&P Global Ratings Credit Rating
| Category | S&P Global Ratings |
|---|---|
| Issuer Credit Rating (Pinnacle Financial Partners, Inc.) | BBB-/Positive/-- |
| Issuer Credit Rating (Pinnacle Bank) | BBB/Positive/-- |
| SACP | bbb |
| Anchor | bbb+ |
Source: S&P Global Ratings
S&P Global Ratings is a leading provider of Credit Ratings. The world’s financial markets depend on S&P Global Ratings for our accessible insights and valued perspectives that drive clarity and growth in the market.
The mission of S&P Global Ratings is to provide high-quality, objective, independent, and rigorous analytical information to the marketplace. The quality, integrity, and transparency of our ratings are at the heart of what we do.
Our credit ratings are designed to provide relative rankings of creditworthiness. They are assigned based on transparent methodologies available free of charge on our website. These
methodologies are calibrated using stress scenarios and are designed to promote rating comparability across different sectors and over time. They are subject to a rigorous independent validation process.
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
* The rating action follows the completed merger of SNV into Pinnacle Financial Partners, Inc., and the merger of SNB and Pinnacle Bank on Jan. 1, 2026 and Jan. 2, 2026, respectively. View Fitch Ratings press release.
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.
KBRA Credit Rating
| Category | KBRA Rating |
|---|---|
| Pinnacle Financial Partners | |
| Outlook | Stable |
| Short-Term Debt | K2 |
| Preferred Stock | BBB |
| Subordinated Debt | BBB+ |
| Senior Unsecured Debt | A- |
| Pinnacle Bank | |
| Outlook | Stable |
| Short-Term Deposit | K1 |
| Short-Term Debt | K1 |
| Subordinated Debt | A- |
| Senior Unsecured Debt | A |
| Deposit Rating | A |
Source: KBRA
View KBRA's press release.
Kroll Bond Rating Agency, LLC (KBRA), one of the major credit rating agencies (CRA), is a full-service CRA registered with the U.S. Securities and Exchange Commission as an NRSRO. Kroll Bond Rating Agency Europe Limited is registered as a CRA with the European Securities and Markets Authority. Kroll Bond Rating Agency UK Limited is registered as a CRA with the UK Financial Conduct Authority. In addition, KBRA is designated as a Designated Rating Organization (DRO) by the Ontario Securities Commission for issuers of asset-backed securities to file a short form prospectus or shelf prospectus. KBRA is also recognized as a Qualified Rating Agency by Taiwan’s Financial Supervisory Commission and is recognized by the National Association of Insurance Commissioners as a Credit Rating Provider (CRP) in the U.S.
