MEDIUMBuilt-inLoan_portfolio
41.8%
C&I loans
“10-K Item 1A: 'commercial and industrial loans accounted for approximately 41.8% of our total loans'”
PNFP · Concentration risk · 10-K extracted
Pinnacle Financial Partners, In (PNFP) concentration risks
Updated
The most significant concentration Pinnacle Financial Partners, In discloses is C&I loans at 41.8%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Pinnacle Financial Partners, In’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH0
MEDIUM3
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
southeastern United States
“10-K Item 1A: 'Our operations are principally geographically concentrated in certain markets in the southeastern United States'”
MEDIUMOutside partyCounterparty
BHG
“10-K Item 1A: 'BHG's results of operations are a meaningful portion of our results of operations'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile reflects three medium-share, structural exposures that together characterize a southeastern-focused commercial bank with meaningful ties to a single business partner. The largest loan-book concentration is commercial and industrial loans, which accounted for approximately 41.8% of total loans — a medium-share share that reflects the company's commercial banking orientation. A sustained deterioration in C&I credit quality, whether from a regional economic downturn or sector-specific stress, would affect the largest slice of the loan portfolio. The geographic concentration is structural: operations are principally concentrated in certain markets in the southeastern United States. This is a medium-share exposure with no precise percentage disclosed in the source claims, but it signals correlated risk to southeastern economic and real estate conditions. The region's growth dynamics have been favorable in recent years, but a reversal in migration patterns or a regional shock would affect the deposit franchise, loan demand, and credit quality simultaneously. The third exposure is a counterparty dependency: BHG's results of operations represent a meaningful portion of consolidated results — a medium-share disclosure where BHG operates as a significant contributor to earnings. BHG's performance is subject to its own credit and operational dynamics, and a material deterioration there would flow through to consolidated results in a way that the company cannot fully offset through its core banking operations. On balance, the three exposures are individually medium-share and additive rather than multiplicative; none introduces a single binary risk, but the C&I loan book and the BHG relationship are the most direct watch items.
For the engine’s reasoning on PNFP’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| PNFP● | Pinnacle Financial Partners, In | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.