Earnings Results Third Quarter 2026 1 Exhibit 99.2
2 Forward-Looking Statements This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward-looking statements. You can identify these forward-looking statements through Pinnacle’s use of words such as "believes," "anticipates," "expects," "may," "will," "assumes," "predicts," "could," "should," "would," "intends," "targets," "estimates," "projects," "plans," "potential" and other similar words and expressions of the future or otherwise regarding the outlook for Pinnacle's future business and financial performance and/or the performance of the banking industry and economy in general. These forward-looking statements include, among others, statements on our expectations related to (1) the anticipated benefits and risks related to the recently completed business combination transaction between Synovus Financial Corp., a Georgia corporation (“Synovus”) and Pinnacle Financial Partners, Inc., a Tennessee corporation (“Legacy Pinnacle”), including the risk that the cost savings and revenue synergies from the transaction may not be fully realized or may take longer than anticipated to be realized, the risk that the integration of Legacy Pinnacle’s and Synovus’ respective businesses and operations will be materially delayed or will be more costly or difficult than expected, including as a result of unexpected factors or events, and risks related to management and oversight of the expanded business and operations of the combined company; (2) loan growth; (3) deposit growth; (4) net interest income and net interest margin; (5) revenue growth, including growth attributable to Pinnacle’s investment in Bankers Healthcare Group ("BHG"); (6) non-interest expense; (7) credit trends and key credit performance metrics; (8) our future operating and financial performance; (9) our strategy and initiatives for future revenue growth, balance sheet optimization, capital management, and expense management, including those statements related to our talent recruitment strategy and expected embedded growth from that strategy; (10) our effective tax rate; (11) our capital position; and (12) our assumptions underlying these expectations. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties which may cause the actual results, performance or achievements of Pinnacle to be materially different from the future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements are based on the information known to, and current beliefs and expectations of, management and are subject to significant risks and uncertainties. Actual results may differ materially from those contemplated by such forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements in this presentation. Many of these factors are beyond Pinnacle's ability to control or predict. These forward-looking statements are based upon information presently known to Pinnacle's management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without limitation, the risks and other factors set forth in Pinnacle's filings with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2025 under the captions "Cautionary Notice Regarding Forward-Looking Statements" and "Risk Factors" and in Pinnacle’s quarterly reports on Form 10-Q and current reports on Form 8-K. We believe these forward-looking statements are reasonable; however, undue reliance should not be placed on any forward-looking statements, which are based on current expectations and speak only as of the date that they are made. We do not assume any obligation to update any forward-looking statements as a result of new information, future developments or otherwise, except as otherwise may be required by law.
3 Use of Non-GAAP Financial Measures This slide presentation contains certain non-GAAP financial measures determined by methods other than in accordance with generally accepted accounting principles. Such non-GAAP financial measures include the following: adjusted net income available to common shareholders; adjusted diluted earnings per share; adjusted return on average assets; adjusted return on common equity; return on average tangible common equity; adjusted return on average tangible common equity; adjusted non-interest revenue; adjusted total revenue taxable equivalent (TE); adjusted non-interest expense; adjusted tangible efficiency ratio; tangible common equity ratio; adjusted tangible common equity ratio; tangible book value per common share; adjusted revenue per share; and adjusted pre-provision net revenue (PPNR). The most comparable GAAP measures to these measures are net income available to common shareholders; diluted earnings per share; return on average assets; return on common equity; return on average common equity; total non-interest revenue; total revenue; revenue per share; total non-interest expense; efficiency ratio-TE; total shareholders' equity to total assets ratio; book value per common share; and PPNR, respectively. Management believes that these non-GAAP financial measures provide meaningful additional information about Pinnacle to assist management and investors in evaluating Pinnacle's operating results, financial strength, the performance of its business and the strength of its capital position. However, these non-GAAP financial measures have inherent limitations as analytical tools and should not be considered in isolation or as a substitute for analyses of operating results or capital position as reported under GAAP. The non-GAAP financial measures should be considered as additional views of the way our financial measures are affected by significant items and other factors, and since they are not required to be uniformly applied, they may not be comparable to other similarly titled measures at other companies. Adjusted net income available to common shareholders, adjusted diluted earnings per share; and adjusted return on average assets are measures used by management to evaluate operating results exclusive of items that are not indicative of ongoing operations and impact period-to-period comparisons. Return on average tangible common equity and adjusted return on average tangible common equity are measures used by management to compare Pinnacle's performance with other financial institutions because it calculates the return available to common shareholders without the impact of intangible assets and their related amortization, thereby allowing management to evaluate the performance of the business consistently. Adjusted non-interest revenue, adjusted total revenue TE, and adjusted revenue per share are measures used by management to evaluate non-interest revenue, total revenue and adjusted revenue per share exclusive of net investment securities gains (losses), fair value adjustments on nonqualified deferred compensation, and other items not indicative of ongoing operations that could impact period-to-period comparisons. Adjusted non-interest expense and the adjusted tangible efficiency ratio are measures utilized by management to measure the success of expense management initiatives focused on reducing recurring controllable operating costs. The tangible common equity ratio is used by stakeholders to assess our capital position. Tangible book value per common share is used by stakeholders to assess our financial stability and value. Adjusted PPNR is used by management to evaluate PPNR exclusive of items that management believes are not indicative of ongoing operations and impact period-to-period comparisons. The computations of the non-GAAP financial measures used in this slide presentation are set forth in the appendix to this slide presentation. Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of Pinnacle's control, or cannot be reasonably predicted. For the same reasons, Pinnacle's management is unable to address the probable significance of the unavailable information. Forward-looking non-GAAP financial measures provided without the most directly comparable GAAP financial measures may vary materially from the corresponding GAAP financial measures. Merger-Related Notes • The merger of Legacy Pinnacle and Synovus closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed. • Prior periods' consolidated financial statements have been reclassified whenever necessary to conform to the current periods' presentation. • Fourth Quarter 2025 has been presented for the combined franchise in certain cases throughout this presentation and is indicated with a reference to "4Q25C" or "combined basis" where used. • As of September 30, 2026, preliminary remaining accretable purchase accounting loan marks are $640MM as shown in this slide presentation.
4 Why We Win Top TSR Win with OUR TEAM SHAREHOLDERS Leads to Winning with Highly Successful Operating and Recruiting Model That Generates Top Quartile Revenue, EPS and TBV Growth = Top Engagement Regional Bank Employer of Choice Objective: Objective: PNFP footprint population projected to grow ~2x faster than national average(1) CLIENTS Win with Industry-Leading Client Service + Top NPS Objective: (1) Source: S&P Capital IQ Pro
5 The Pinnacle Model Economically Resilient Growth ATTRACT Be the best place to work GPTW #3 · 93% engagement HIRE Land experienced producers Avg 18 yrs experience GROW Migrate Business Significant future growth already embedded ALIGN Drive collaboration & EPS focus ~8,600 employees · 1 core incentive plan OUTPERFORM Reach #1 in growth & returns THE PINNACLE FLYWHEEL Relationship-driven hiring Continuous recruiting of bankers through the network; goal of bringing their best clients & colleagues Decentralized empowerment Local authority on decisions; specialists support the geographies & collaborate around the client One unified incentive Core plan centers on EPS & revenue growth(3) - metrics that drive shareholder return - not individual scorecards BVPS CAGR: 11% TBVPS CAGR(2): 12% Rev PS CAGR: 11% Adj. Rev PS CAGR(2): 11% EPS CAGR: 11% Adj. EPS CAGR(2): 12% Top Quartile Growth Over Last 10 Years(1): Note: Peer Banks include: TFC, RF, FHN, SSB, HBAN, FITB, MTB, KEY, ZION, WAL, PNC, FCNC.A, CFG, WBS, UMBF, VLY, FLG, ONB, COLB, WTFC, CFR, BOKF, and FNB; UMBF and CFR excluded from TBVPS growth analysis due to data availability; GPTW defined as Great Place to Work, #3 reflective of rank in Financial Service and Insurance industry; (1) Source: S&P Capital IQ; PNFP and peer bank CAGRs calculated from annual results, Dec. 31, 2015 – Dec. 31, 2025; (2) Source: S&P Capital IQ; Non-GAAP financial measure; (3) With core plan also subject to certain asset quality governors
6 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 $— $500 $1,000 $1,500 Adjusted Diluted EPS 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 $0.50 $0.75 $1.00 $1.25 $1.50 $1.75 $2.00 $2.25 $2.50 $2.75 Tangible Book Value Per Share 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 $25 $30 $35 $40 $45 $50 $55 $60 $65 Book Value Per Common Share 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 $50 $55 $60 $65 $70 $75 $80 $85 $90 $95 Diluted Reported EPS 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 $— $500 $1,000 $1,500 Our focus is unchanged Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; All CAGR information reflects 1Q22-3Q26 Pinnacle results; (1) Non-GAAP financial measures; see appendix for applicable reconciliations; (2) TE - Taxable Equivalent (1)(1) 1Q22-4Q25 Results Reflect Legacy PNFP, While 1Q26-3Q26 Reflect the Combined Organization CAGR: 9% CAGR: 11% CAGR: 9% CAGR: 7% 3Q26: $1,312 3Q26: $2.40 3Q26: $91.52 3Q26: $1,318 3Q26: $2.69 3Q26: $61.86 Reported Revenue (in millions) Adjusted Revenue TE(1)(2) (in millions)
7 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 4Q25C 1Q26 2Q26 3Q26 $— $50 $100 NPAs/Loans + ORE 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 4Q25C 1Q26 2Q26 3Q26 0.20% 0.40% 0.60% 0.80% 1.00% NCOs/Average Loans 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 4Q25C 1Q26 2Q26 3Q26 —% 0.10% 0.20% 0.30% 0.40% 0.50% Common Equity Tier 1 Ratio 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 —% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 4Q25C 1Q26 2Q26 3Q26 $— $50 $100 Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed Our focus is unchanged 1Q22-4Q25 Results Reflect Legacy PNFP, While 4Q25C, and 1Q26-3Q26 Reflect the Combined Organization Revenue Producer Hires 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 4Q25C 1Q26 2Q26 3Q26 10 20 30 40 50 60 70 80 90 100 3Q26: $89.8 3Q26: 10.01% 3Q26: 0.23% 3Q26: $103.0 3Q26: 96 3Q26: 0.50% Period-End Deposits ($ in billions) Period-End Loans ($ in billions)
8 Hiring accelerates in third quarter Hiring expected to lead to sustainable, best in class, long-term growth: 12-14% GROSS NEW HIRES 6-7% TURNOVER RATE 6-7% NET PRODUCER GROWTH 3-6% FROM EXISTING PRODUCERS 9-13% BALANCE SHEET GROWTH - = + = YTD Revenue Producer Hires by Job Family Annual Hiring Targets 0 250 230 217 2024 2025 2026E 2027E 250+(1) 250-275 (1) Updated from goal of 225-250 after three strong quarters of hiring execution; (2) Includes the impact of reclassification; (3) Specialty Product Bankers includes include Treasury Management, Mortgage, Insurance, and Government Guaranteed (eg, SBA) 52 74 96 FY 2026 Progress to Target(2) 222 89% of Goal 1Q26 52 2Q26 74 3Q26 96 (3)
9 Deposit share rises as growth outpaces markets' Key stats +18 bps Footprint share gain(1) To 4.50%, year over year 2.9x Growth vs. our markets(1) Our deposit growth vs. footprint 5 States moving up in rank SC, NC, VA, KY and MD 24 Top-5 metro positions Incl. #1 in Nashville and Columbus Share of footprint deposits at June 30 +36 bps since 2023, a top-2 gain among the 20 largest banks in our footprint Atlanta #4 in market +$1.8B deposits +47 bps market share Washington, D.C. #15 (from #16) +$1.3B deposits +45 bps market share Source: FDIC Summary of Deposits as of June 30 of each year; ranks and shares as reported by the FDIC unless noted. Pinnacle pro forma for the Synovus merger in prior periods.(1) Combined deposits in the 61 metropolitan statistical areas (MSAs) where Pinnacle operates, representing the substantial majority of Pinnacle deposits; excludes money-center headquarters bookings (BAC, TFC, COF, and RJF). Peer comparison covers the 20 largest institutions in these MSAs. Key YoY Stats Share of Footprint Deposits at June 30(1)
10 ($ in millions, except per share data) 3Q26 QoQ Net Interest Income $986 3% Provision for Credit Losses $86 36% Non-Interest Revenue $326 32% Total Revenue $1,312 9% Non-Interest Expense $749 4% Pre-Provision Net Revenue $563 17% Net Income Available to Common Shareholders $364 16% Diluted EPS $2.40 16% (1) Non-GAAP financial measures; see appendix for applicable reconciliations; (2) TE - Taxable Equivalent EPS strength continues with linked quarter growth ($ in millions, except per share data) 3Q26 QoQ Net Interest Income (TE)(2) $995 3% Provision for Credit Losses $86 36% Adjusted Non-Interest Revenue $323 19% Adjusted Total Revenue (TE)(2) $1,318 7% Adjusted Non-Interest Expense $690 4% Adjusted Pre-Provision Net Revenue $628 9% Adjusted Net Income Available to Common Shareholders $409 8% Adjusted Diluted EPS $2.69 8% Income Statement Summary (GAAP) Income Statement Summary (Adjusted)(1) $2.40 3Q26 DILUTED EPS $2.69 3Q26 ADJUSTED DILUTED EPS(1) 10
11 ($ in millions) 3Q26 QoQ Loans $89,808 2% Deposits $103,036 2% Core Deposits(1) $93,634 2% Non-Interest Bearing Deposits $20,912 1% (1) Core Deposits exclude brokered deposits; (2) Annualized; (3) Non-GAAP financial measure; see appendix for applicable reconciliation; (4) TE - Taxable Equivalent; (5) 3Q26 capital ratios are preliminary Balance sheet grows while capital builds 3Q26 2Q26 ROAA(2) 1.18% 1.06% Adjusted ROAA(2)(3) 1.32% 1.27% ROCE(2) 10.3% 9.0% Adjusted ROCE(2)(3) 11.5% 10.9% ROTCE(2)(3) 16.5% 14.9% Adjusted ROTCE(2)(3) 18.3% 17.7% Net Interest Margin(2) 3.40% 3.44% Efficiency Ratio - TE(4) 56.6% 59.4% Adjusted Tangible Efficiency Ratio(3) 48.9% 49.8% 3Q26 2Q26 NCOs/Average Loans(2) 0.23% 0.22% NPLs/Loans 0.48% 0.47% Allowance for Credit Losses % 1.19% 1.17% CET1 Ratio(5) 10.01% 9.93% Healthy linked quarter balance sheet growth Sound credit quality & capital Period End Balance Sheet Growth Profitability Metrics Credit & Capital Metrics 8% QoQ ANNUALIZED LOAN AND CORE DEPOSIT GROWTH 16.5% / 18.3% ROTCE / ADJUSTED ROTCE(2)(3) 0.23% NCOs(2) / AVERAGE LOANS Top tier operating metrics 11
12 Financial Performance
13 $88,076 $879 $485 $350 $19 $89,808 2Q26 C&I CRE Consumer Other 3Q26 Loans Period-End Organic Loan Growth Attribution ($ in millions) Period-End Loans ($ in millions) • 3Q26 period-end loan growth was $1.7B or 8% annualized • Growth was diverse across geographies, specialty lines and asset classes • 3Q26 new funded loan production remains robust (up over 11% combined YoY) while yields and spreads on new originations increased QoQ • C&I utilization rate stable QoQ(1) 8% Annualized QoQ Growth (2) Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) The change in utilization rate is based on commitments existing at the end of 2Q26; (2) Other inclusive of loan mark change of $26MM and unearned fee change of $(7)MM; (3) Specialty and Other includes specialty loan verticals and other loans centrally managed outside of our lines of business; (4) WA Variable Spread represents SOFR equivalent spreads and is approximately 72% of funded production H i g h l i g h t s $88,076 $849 $858 $26 $89,808 2Q26 Geography Specialty and Other Loan Mark Change 3Q26 2.47% 2.49% 2.62% Funded Production WA Variable Spread 1Q26 2Q26 3Q26 $0B $3B $5B New Funded Production and Associated Loan Spreads (4) (3)
14 2.11% 2.14% 2.16% 2.15% 2.16% 2.22% 3.63% 3.63% 3.63% 3.63% 3.63% 3.74% Apr May Jun Jul Aug Sep • Deposit growth continues to outpace historical combined trends YTD; QTD growth was balanced across geographies and specialty lines • Excluding Public Funds, Core Deposits(1) grew $2.6B QoQ or 13% annualized • Deposit Costs increased in line with the September rate hike Normalized Core Deposit Growth(1)(2) $100,898 $1,248 $386 $255 $(49) $299 $103,036 2Q26 MMA and Savings Interest- Bearing DDA Non- Interest Bearing Time Non-Core Deposits 3Q26 Deposits Period-End Deposits ($ in millions) Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) Core Deposits exclude brokered deposits; (2) Includes SNV and Legacy PNFP period-end combined core deposits; (3) Total deposit cost was 2.164% and 2.217% in Aug and Sep H i g h l i g h t s 100.0% 101.5% 101.7% 102.7% 105.8% 100.0% 102.1% 102.4% 104.4% Prior Year End 1Q 2Q 3Q 4Q 8% Annualized QoQ Core Deposit(1) Growth Total Deposit Cost vs. Average Fed Funds Target(3) TDC +5bps Fed +12bps
15 $933 $956 $986 3.53% 3.44% 3.40% Net Interest Income Net Interest Margin 1Q26 2Q26 3Q26 Net Interest Income 3.44% 0.01% 0.01% (0.03)% (0.01)% (0.01)% (0.01)% 3.40% 2Q26 NIM Securities Yields Loan Yields Deposit Cost Daycount Liquidity Build Other Funding 3Q26 NIM Net Interest Margin (NIM) Attribution Net Interest Income and Net Interest Margin ($ in millions) Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding • Net interest income increased 3% QoQ or 12% annualized • Linked-quarter NIM decline to 3.40% primarily driven by increasing deposit costs and the ongoing, wholesale- funded liquidity build, partially offset by rising securities and loan yields • QoQ increases in loan yields partially offset by lower PAA and loan fees; September rate hike expected to be modestly beneficial to NII in Q4 H i g h l i g h t s 6.14% 6.11% 6.12% 2.13% 2.14% 2.18% Loan Yields Total Deposit Cost 1Q26 2Q26 3Q26 Loan Yields and Deposit Costs
16 Non-Interest Revenue ($ in millions) 3Q26 QoQ % Change Core Banking Fees $96 3 % Wealth Management Fees(2) $88 3 % Loan Sales and Servicing Fees $8 (4) % Capital Markets Income $17 (7) % Income from BHG Investment $48 103 % BOLI $21 9 % Investments Gains (Losses), Net $(1) nm Other Non-Interest Revenue $49 78 % Total Non-Interest Revenue $326 32 % Gain on Disposition of Investment $(4) nm Investments (Gains) Losses, Net $1 nm Adjusted Non-Interest Revenue(4) $323 19 % Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding and percentage changes are calculated using unrounded amounts and may differ from calculations on rounded figures; (1) Growth is compared to combined Legacy PNFP and SNV results in prior periods; (2) Wealth management revenue consists primarily of fees derived from trust income, brokerage revenue and insurance revenue; (3) See BHG Overview in appendix for additional details; (4) Non-GAAP financial measure • Core Banking and Wealth Management fees both grew 3% QoQ and are all exhibiting double-digit YTD growth on a combined basis(1) • Loan Sales and Servicing fees continue to be impacted by the elevated rate environment • Capital Markets income declined modestly QoQ, but remains robust relative to historical combined levels supported by loan production and merger synergies • Strong production in BHG led to 103% QoQ growth in the investment line item(3) • Other Non-Interest Revenue benefited by $23MM gain associated with the payoff of an equipment lease Non-Interest Revenue H i g h l i g h t s
17 Non-Interest Expense ($ in millions) 3Q26 QoQ % Change Employment Expense $398 5 % Occupancy, Equipment and Software Expense 101 (1) % Amortization of Intangibles 46 — % Merger-Related Expense 56 10 % FDIC insurance and other regulatory fees 20 (3) % Other Noninterest Expense 128 3 % Total Non-interest Expense $749 4 % Merger-Related Expense (56) 10 % Valuation adjustment to Visa derivative (3) 58 % Adjusted Non-interest Expense(1) $690 4 % Efficiency Ratio - TE 56.6 % (5) % Adjusted Tangible Efficiency Ratio(1) 48.9 % (2) % Headcount (FTE) 8,649 1 % • Increase in employment expense primarily driven by increased annual incentive accrual associated with Revenue and EPS growth • Geography and specialty revenue producer hiring also contributed to the QoQ increase in employment expense and represented the majority of the 1% QoQ increase in headcount • Merger-related expenses of $56MM in 3Q26 continue to track in line with expectations at merger announcement • Efficiency ratio - TE and adjusted tangible efficiency ratio(1) both declined to 56.6% and 48.9%, respectively; tracking well towards merger targets Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding and percentage changes are calculated using unrounded amounts and may differ from calculations on rounded figures; (1) Non-GAAP financial measure Non-Interest Expense H i g h l i g h t s
18 0.23% 0.22% 0.23% Legacy PNFP Synovus Pinnacle 3Q25 4Q25 1Q26 2Q26 3Q26 0.58% 0.50% 0.50% Legacy PNFP Synovus Pinnacle 3Q25 4Q25 1Q26 2Q26 3Q26 • Credit quality remained broadly stable throughout 2026, with past dues, NPLs, and charge-offs holding within a narrow range across all three quarters • Criticized and classified loans increased a modest 4bps to 2.10% • The allowance for credit losses ratio increased 2bps to 1.19%, reflecting a more adverse macroeconomic outlook, including a 5% higher weighting toward the slow growth scenario Credit Quality NCOs/Average Loans NPAs/Loans & ORE Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding H i g h l i g h t s $1,029 $26 $31 $6 $(29) $1 $1,065 2Q26 Economic Forecast Net Growth Qualitative Individual Other 3Q26 Allowance for Credit Losses ($ in millions) 1.19%1.17% ACL/Loans
19 Capital 10.83% 10.88% 9.81% 9.93% 10.01% Common Equity Tier 1 Tier 1 Tier 2 3Q25 4Q25 1Q26 2Q26 3Q26 Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; (1) 3Q26 capital ratios are preliminary (1) Capital Ratios at September 30, 2026(1) Common Equity Tier 1 Ratio(1) 9.93% 0.40% (0.04)% (0.07)% (0.25)% 0.03% 0.02% 10.01% 2Q26 Net Income to Common (Adjusted) Adjusted Items Common Dividend RWA Growth Intangibles Other 3Q26 (Third Quarter 2026 CET1 Ratio Change) • The CET1 Ratio(1) increased 8 bps QoQ to 10.01%; strong organic earnings profile supports continued capital accretion • Capital priorities remain core client growth and achieving our 10.25% CET1 objective • No share repurchases expected in 2026 11.30% 12.94% 11.34% 12.97% 10.71% 12.20% H i g h l i g h t s 10.77% 12.22% (1) (3Q25-4Q25 ratios are for Legacy PNFP only) 10.62% 12.34%
20 2026 Outlook
21 Normalized at Close +10% Loan Growth Additional +1% Growth Cat IV Liquidity Fixed Rate Asset Repricing Fed Rate Hikes 2026 Year End NIM 3.40-3.45% 3.44–3.46% Net interest income continues to expand despite margin contraction Quarterly Net Interest Income (TE)(1) Actual Outlook (range) $947MM 1Q26 $968MM +2.2% QoQ 2Q26 $995MM +2.8% QoQ 3Q26 $1,015–$1,035MM ≈ +2-4% QoQ 4Q26E Net interest margin (TE)(1) 3.53% 3.44% FY2026E Illustrative NIM roll-forward to year-end 2026 Key takeaways • Sustained NII growth is primarily volume-driven: steady earning- asset expansion carries NII higher quarter after quarter • Building HQLA generally compresses NIM but supports NII growth and ROTCE via low risk-weight, capital-efficient assets • Relatively neutral sensitivity to short rates; current tightening cycle is modest benefit to NII • Marginal loan growth beyond 10% provides tailwind to NII but results in added margin pressure given higher cost of incremental funding (1) TE - Taxable Equivalent; (2) Excludes ~3 bps of non-recurring impact; (3) Cat IV liquidity incorporates progress toward planned ~$1B per year of debt issuance over 3 year horizon. 3.50% -2 to -4 bps -1 to -3 bps -3 to -5 bps +2 to +4 bps ~3.40 to 3.45% (2) (3) 3.40% +0 to +2 bps
22 2026 Guidance NOTES Period-End Loans Ex Loan Mark $91.0B - $93.0B Trending to the high end of the 9-11% range (~$9B of growth, ex loan mark) Period-End Total Deposits $106.5B - $108.5B Trending to mid range supported by strong 4Q seasonal inflows Adjusted Revenue TE(1)(2) $5.00B - $5.20B Trending above midpoint of range supported by the current rate environment and strong 3Q revenues • Assumes FY NIM of 3.44% - 3.46%; minimal expected impact from December rate hike • Now assumes 2026 adjusted non-interest revenue(1) of $1.175B - $1.185B – Forecasted BHG Investment income now $150MM-$160MM Adjusted Non- Interest Expense(1) $2.675B - $2.775B Trending to just above midpoint of expected range NCOs / Avg Loans 0.20% - 0.25% Assumes relatively stable economic environment Adjusted Effective Tax Rate(1) 20% - 21% Trending to the mid-point of range; GAAP Effective Tax Rate trending to ~21.5% 2026 Outlook Update Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; (1) Non-GAAP financial measure; see appendix for applicable reconciliation; (2) TE - Taxable Equivalent N o C hange to Prior G uidance
23 Appendix
24 Period-End Loan and Deposit Growth 3Q26 Period-End Loans 3Q26 Period-End Deposits ($ In millions) 3Q26 QoQ $ Change QoQ % Change YTD % Change 3Q26 QoQ $ Change QoQ % Change YTD % Change Tennessee/Kentucky $16,711 $3 —% 5% $25,363 $(273) (1)% 3% Carolinas/Virginia/Washington, DC $15,868 $436 3% 8% $19,534 $855 5% 12% Georgia $15,513 $143 1% 5% $20,765 $27 —% —% South Florida/Greater Florida $10,147 $196 2% 3% $10,395 $(101) (1)% (3)% Alabama/Florida Panhandle $5,952 $71 1% 3% $8,502 $196 2% 7% Total Geographies $64,191 $849 1% 5% $84,557 $706 1% 4% Specialty Lines of Business(1) $24,462 $1,408 6% 18% $5,208 $704 16% 26% Wealth & Corporate Other(2) $1,795 $(550) NM (37)% $13,271 $729 6% 3% Total (Excluding PAA)(3) $90,449 $1,707 2% 8% $103,036 $2,139 2% 4% Accretable Purchase Accounting Loan Mark(4) $(640) $26 (4)% NM $— $— N/A N/A Total $89,808 $1,733 2% 7% $103,036 $2,139 2% 4% Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase accounting adjustments are preliminary as of September 30, 2026 and are subject to change until the measurement period is closed; Amounts may not add up due to rounding; QoQ changes exclude the impact of transfers; (1) Specialty includes Specialty loan and deposit verticals; (2) Other Inclusive of loan and deposit activity centrally managed outside of our lines of business; (3) Excluding purchase accounting loan mark; (4) Not shown is the effect of acquired deferred fees, which are subsumed into the mark rather than amortized
25 Deposit Mix and Rate Overview 3Q26 2Q26 3Q26 Average Rate % of Total 2Q26 Average Rate % of Total Non-interest Bearing -- 20% -- 21% Interest-Bearing Interest Bearing Demand 2.50% 29% 2.51% 30% Savings 0.33% 2% 0.35% 2% Money Market 2.78% 36% 2.67% 34% Time 3.45% 13% 3.46% 13% Total Interest-Bearing Deposits 2.74% 80% 2.69% 79% Total Deposits 2.18% 100% 2.14% 100%
26 Earning Asset Composition and NII Sensitivity Note: Amounts may not add up due to rounding; (1) Excludes hedges (2) NII sensitivity estimates reflect a static balance sheet; beta sensitivity estimates represent approximations, based on total deposit cost betas 69% 31% Fixed-Rate Variable-Rate Loan Portfolio Fixed-Rate/Variable-Rate Mix(1) 12-Month Estimated Net Interest Income Sensitivity(2) + 100 Bps +1.7% - 100 Bps -1.6% Parallel Rate Impact (at September 30, 2026)
27 Securities and Liquidity Overview (at September 30, 2026) Note: Amounts may not add up due to rounding. (1) Est. Taxable Equivalent Yield, as of September 30, 2026; (2) Net duration is inclusive of fair value hedges on AFS securities; (3) Equals uninsured deposits minus collateralized Focus on liquidity, earnings and rate risk management $21.6B Portfolio Book Value ~3.6 Net Duration(2) Gross Duration 3.9 ~4.27% Book Yield – TEY(1) Inclusive of AFS hedges Notable Liquidity Sources ($ in billions) FRB Cash $6.3 FHLB Capacity $6.2 Unencumbered Securities $13.6 Discount Window Capacity $15.5 Total $41.6 Securities Portfolio Breakout Insured 49% Uninsured (ex. Coll.)(3) 41% Collateralized 10% Total Deposits: $103B Sector Allocations Other, 3% +3% QoQ MBS 36% CMO 15% CMBS 23% Muni 10% Treasury 13%
28 • Receive-fixed Cash Flow swaps against loans: • Average fixed rate of 3.28%, converting floating-rate loan exposure to fixed and locking in net interest margin for down rate protection. • Interest rate option strategies include: • Cash Flow Floors against floating rate loans • Cash Flow Collars against floating rate loans • Cash Flow Caps against indexed deposits Cash Flow Derivatives Portfolio Overview Strategy aims to protect margin & reduce capital volatility Cash Flow Hedge Portfolio (Avg. Notional) ($ in millions) Note: Representation is limited to cash-flow hedging strategies; excludes fair-value hedge derivative positions (1) Represents long positions in interest rate caps, which are reflected as negatives in the graphic representation for purposes of complementing the counterbalancing exposure relative to the other cash-flow strategies included in the graph (2) Reflects effective notionals and/or coupons, as of the respective period; (3) Projected effective strikes as of 4Q26 H i g h l i g h t s (1) Next 4 Quarters Strategy(2) Approx. Strike(3) 4Q26 1Q27 2Q27 3Q27 Floors 2.70% $3.12B $4.12B $4.12B $4.12B Collars 4.45%/6.85% $875MM $875MM $875MM $875MM Caps 3.75% $2.00B $2.00B $2.00B $2.00B Next 4 Quarters Strategy(2) 4Q26 1Q27 2Q27 3Q27 Receive-Fixed Swaps (CF) $2.50B $2.50B $2.50B $2.50B Avg. Rate - RF CF Swaps 3.28% 3.28% 3.28% 3.35%
29 Loan portfolio is highly diverse Amounts may not add up due to rounding; (1) Senior Housing is a subset of NAICS 62 Healthcare and Social Assistance and Lessors of Real Estate is a subset of NAICS 53 42% 16% 8% 7% 4% 3% 3% 2% 13% 2% C&I Non-Real Estate Related C&I Owner- Occupied Other CRE Multi-Family Retail Office Hotel Residential C&D & Land Consumer Real Estate Consumer Non- Real Estate 3Q26 Metrics C&I CRE Cons Dollars in Billions $52.1 $24.0 $13.7 NPL Ratio 0.40% 0.52% 0.71% QTD NCO Ratio 0.28% 0.12% 0.21% 30+ Days Past Due Ratio 0.11% 0.06% 0.43% 90+ Days Past Due Ratio 0.01% 0.00% 0.02% C&I Portfolio CRE Portfolio Shown as % of Total Loans ■ SNCs total $11.1B, ~5.6% of which is agented by PNFP ■ Leveraged loans total $4.6B ■ 76% of CRE NPL balance comprised of 3 credits (1 Senior Housing, 1 Office and 1 Multi-Family) ■ 85% of Consumer loans secured by real estate (1)
30 BHG 3Q26 Overview • Pinnacle's equity-method investment income was $48MM in 3Q26 • Underlying collateral profile and performance remains stable • Origination volumes of $2.5B for 3Q and $6.3B year-to-date • Delivering on an intentional strategy to manage a robust and well diversified funding platform Credit Statistics(1) Source: BHG Internal Data; (1) Credit statistics based on BHG's managed portfolio, including both on and off balance sheet, across placement channels 62% 38% 34% 25% 19% 25% 36% 36% 50% 36% 13% 26% 30% 25% 45% Community Bank Network (Premium Sales) Loan Sales Term Loan Financing/Securitizations 2024 2025 1Q26 2Q26 3Q26 Historical Funding Execution YTD Loan Originations ($ in billions) $2.54 $4.44 $6.31 1Q 2Q 3Q 2024 2025 2026
31 ($ in millions, except per share data, share count in thousands) 3Q26 2Q26 3Q25 2026 2025 Net income available to common shareholders $364 $313 $169 $812 $461 Gain on disposition of investment (4) — — (4) — Valuation adjustment to Visa derivative 3 2 — 5 — Investment securities losses (gains), net 1 29 — 27 13 Merger-related expense(1) 56 51 8 382 8 Tax effect of adjustments(2) (11) (16) (2) (72) (6) Adjusted net income available to common shareholders $409 $379 $175 $1,150 $476 Weighted average common shares outstanding, diluted 151,718 151,468 77,310 151,553 77,243 Net income per common share, diluted(3) $2.40 $2.07 $2.19 $5.36 $5.96 Adjusted net income per common share, diluted(3) $2.69 $2.50 $2.27 $7.59 $6.16 Amounts may not total due to rounding; (1) A portion of this item was non-taxable. (2) A blended tax rate of 17.1% for the full fiscal year 2026 was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied. (3) Amounts have been calculated using whole dollar values. Non-GAAP Financial Measures
32 ($ in millions) 3Q26 2Q26 3Q25 Net income $379 $328 $173 Gain on disposition of investment (4) — — Valuation adjustment to Visa derivative 3 2 — Investment securities (gains) losses, net 1 29 — Merger-related expense (1) 56 51 8 Tax effect of adjustments(2) (11) (16) (2) Adjusted net income $424 $394 $179 Net income annualized(3) $1,507 $1,316 $687 Adjusted net income annualized(3) $1,679 $1,580 $710 Total average assets $127,504 $124,187 $55,214 Return on average assets (annualized)(3) 1.18% 1.06% 1.24% Adjusted return on average assets (annualized)(3) 1.32% 1.27% 1.29% Non-GAAP Financial Measures, Continued Amounts may not total due to rounding; (1) A portion of this item was non-taxable. (2) A blended tax rate of 17.1% for the full fiscal year 2026 was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied. (3) Amounts have been calculated using whole dollar values.
33 Non-GAAP Financial Measures, Continued ($ in millions) 3Q26 2Q26 3Q25 2026 2025 Net income available to common shareholders $364 $313 $169 $812 $461 Gain on disposition of investment (4) — — (4) — Valuation adjustment to Visa derivative 3 2 — 5 — Investment securities (gains) losses, net 1 29 — 27 13 Merger-related expense(1) 56 51 8 382 8 Tax effect of adjustments(2) (11) (16) (2) (72) (6) Adjusted net income available to common shareholders $409 $379 $175 $1,150 $476 Adjusted net income available to common shareholders annualized(3) $1,620 $1,520 $695 $1,538 $636 Amortization of intangibles, tax effected, annualized (2)(3) 137 142 4 142 4 Adjusted net income available to common shareholders excluding amortization of intangibles annualized (3) $1,757 $1,662 $699 $1,680 $640 Net income available to common shareholders annualized (3) $1,448 $1,255 $672 $1,087 $616 Amortization of intangibles, tax effected, annualized (2)(3) 137 142 4 142 4 Net income available to common shareholders excluding amortization of intangibles annualized (3) $1,585 $1,397 $676 $1,229 $620 Total average shareholders' equity less preferred stock $14,090 $13,941 $6,505 $13,947 $6,397 Average goodwill (3,487) (3,479) (1,849) (3,522) (1,849) Average other intangible assets, net (1,019) (1,069) (19) (1,055) (20) Total average tangible shareholders' equity less preferred stock $9,584 $9,393 $4,637 $9,370 $4,528 Return on average common equity (annualized)(3) 10.28% 9.01% 10.33% 7.79% 9.63% Adjusted return on average common equity (annualized)(3) 11.50 10.90 10.68 11.03 9.95 Return on average tangible common equity (annualized)(3) 16.54 14.89 14.58 13.12 13.70 Adjusted return on average tangible common equity (annualized)(3) 18.34 17.70 15.07 17.93 14.14 Amounts may not total due to rounding; (1) A portion of this item was non-taxable. (2) A blended tax rate of 17.1% for the full fiscal year 2026 was applied to merger-related expense which takes into consideration the deductibility and non-deductibility of certain merger-related expense items for tax purposes and an assumed 24% marginal rate was applied to all other adjusted items for 2026. For 2025 an assumed marginal tax rate of 25% was applied. (3) Amounts have been calculated using whole dollar values.
34Amounts may not total due to rounding. (1) Amounts have been calculated using whole dollar values. (2) Weighted average diluted common shares in thousands for 3Q26, 2Q26, and 3Q25 are 151,718, 151,468. and 77,310, respectively. Non-GAAP Financial Measures, Continued ($ in millions) 3Q26 2Q26 3Q25 Total non-interest expense $749 $721 $303 Merger-related expense (56) (51) (8) Valuation adjustment to Visa derivative (3) (2) — Fair value adjustment on non-qualified deferred compensation — (6) — Adjusted non-interest expense $690 $662 $295 Adjusted non-interest expense $690 $662 $295 Amortization of intangibles (46) (46) (2) Adjusted tangible non-interest expense 644 616 293 Net interest income 986 956 397 Total non-interest revenue 326 247 147 Total revenue 1,312 1,203 544 Taxable equivalent (TE) adjustment 9 12 15 Total TE revenue $1,321 $1,215 $559 Gain on disposition of investment (4) — — Investment securities (gains) losses, net 1 29 — Fair value adjustment on non-qualified deferred compensation — (6) — Adjusted total revenue (TE) $1,318 $1,238 $559 Efficiency ratio-(TE)(1) 56.6% 59.4% 54.1% Adjusted tangible efficiency ratio(1) 48.9% 49.8% 52.5% Total revenue per diluted common share(2) $8.65 $7.94 $7.05 Adjusted total revenue per diluted common share(2) $8.62 $8.09 $7.05 Adjusted total revenue (TE) $1,318 $1,238 $559 Adjusted non-interest expense (690) (662) (295) Adjusted PPNR $628 $576 $264
35Amounts may not total due to rounding. (1) Amounts have been calculated using whole dollar values. Non-GAAP Financial Measures, Continued ($ in millions, except per share data, share count in thousands) September 30, 2026 December 31, 2025 September 30, 2025 Total assets $130,685 $57,706 $55,964 Goodwill (3,484) (1,849) (1,849) Core deposits and other intangible assets, net (999) (30) (18) Tangible assets $126,202 $55,827 $54,097 Total equity $14,610 $7,044 $6,856 Goodwill (3,484) (1,849) (1,849) Core deposits and other intangible assets, net (999) (30) (18) Preferred Stock (781) (217) (217) Tangible common equity $9,346 $4,948 $4,772 Total shareholders’ equity to total assets ratio(1) 11.18% 12.21% 12.25% Tangible common equity ratio(1) 7.41% 8.86% 8.82% Tangible common equity $9,346 $4,948 $4,772 Common shares outstanding 151,115 77,662 77,558 Book value per common share(1) $91.52 $87.90 $85.60 Tangible book value per common share(1) $61.86 $63.71 $61.53
36 Reconciliation of Non-GAAP Financial Measures, Continued 3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 3Q22 2Q22 1Q22 Net income available to common shareholders $ 364 $ 313 $ 135 $ 166 $ 169 $ 155 $ 137 $ 147 $ 143 $ 49 $ 120 $ 91 $ 129 $ 194 $ 133 $ 134 $ 145 $ 141 $ 125 Investment (gains) losses on sales of securities, net 1 29 (3) 4 — — 12 — — 72 — — 9 10 — — — — — Valuation adjustment to Visa derivative 3 2 1 — — — — — — — — — — — — — — — — Gain on sale of fixed assets as a result of sale leaseback — — — — — — — — — — — — — (86) — — — — — ORE expense (income) — — — — — — — — — — — — — — — — — — — FDIC special assessment — — — (7) — — — — — — 7 29 — — — — — — — Loss on BOLI restructuring — — — — — — — — — — — 16 — — — — — Recognition of mortgage servicing asset — — — — — — — — — — (12) — — — — — — — — Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — — — — — — 28 — — — — — — — — — Gain on disposition of investment (4) — — — — — — — — — — — — — — — — — — Merger-related expense 56 51 275 14 8 — — — — — — — — — — — — — — Tax effect on above noted adjustments (11) (16) (45) (3) (2) — (3) — — (25) 1 (7) (2) 19 — — — — — Net income available to common shareholders excluding above noted adjustments $ 409 $ 379 $ 363 $ 174 $ 175 $ 155 $ 146 $ 147 $ 143 $ 124 $ 116 $ 129 $ 136 $ 137 $ 133 $ 134 $ 145 $ 141 $ 125 Diluted earnings per common share $ 2.40 $ 2.07 $ 0.89 $ 2.13 $ 2.19 $ 2.00 $ 1.77 $ 1.91 $ 1.86 $ 0.64 $ 1.57 $ 1.19 $ 1.69 $ 2.54 $ 1.76 $ 1.76 $ 1.91 $ 1.86 $ 1.65 Less: Investment (gains) losses on sales of securities 0.01 0.19 (0.02) 0.05 — — 0.16 (0.01) — 0.94 — — 0.13 0.13 — — — — — Valuation adjustment to Visa derivative 0.02 0.01 — — — — — — — — — — — — — — — — — Gain on sale of fixed assets as a result of sale leaseback — — — — — — — — — — — — — (1.13) — — — — — ORE expense (income) — — — — — — — — — — — — — — — — — — — FDIC special assessment — — — (0.10) — — — — — — 0.10 0.38 — — — — — — — Loss on BOLI restructuring — — — — — — — — — — — 0.21 — — — — — — — Recognition of mortgage servicing asset — — — — — — — — — — (0.15) — — — — — — — — Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — — — — — — 0.37 — — — — — — — — — Gain on disposition of investment (0.03) — — — — — — — — — — — — — — — — — — Merger-related expenses 0.37 0.34 1.82 0.18 0.10 — — — — — — — — — — — — — — Tax effect on above noted adjustments (0.08) (0.11) (0.30) (0.02) (0.02) — (0.04) — — (0.32) 0.01 (0.09) (0.03) 0.25 — — — — — Diluted earnings per common share excluding above noted adjustments $ 2.69 $ 2.50 $ 2.39 $ 2.24 $ 2.27 $ 2.00 $ 1.90 $ 1.90 $ 1.86 $ 1.63 $ 1.53 $ 1.68 $ 1.79 $ 1.80 $ 1.76 $ 1.76 $ 1.91 $ 1.86 $ 1.65
37 Reconciliation of Non-GAAP Financial Measures, Continued 3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 3Q22 2Q22 1Q22 Net interest income $ 986 $ 956 $ 933 $ 408 $ 397 $ 380 $ 364 $ 364 $ 352 $ 332 $ 318 $ 317 $ 317 $ 315 $ 312 $ 319 $ 306 $ 265 $ 239 Total noninterest income 326 247 284 135 147 125 98 112 115 34 110 79 91 174 90 82 105 125 103 Total revenues 1,312 1,203 1,217 542 544 505 463 475 467 367 428 396 408 489 402 402 411 390 343 Tax equivalent adjustment 9 12 14 17 15 14 13 12 12 12 12 14 12 11 11 14 11 10 9 Total TE revenue 1,321 1,215 1,231 559 559 519 476 487 479 379 440 410 420 500 413 416 422 400 352 Less: Investment (gains) losses on sales of securities, net 1 29 (3) 4 — — 12 — — 72 — — 9 10 — — — — — Gain on disposition of investment (4) — — — — — — — — — — — — — — — — — — Gain on sale of fixed assets as a result of sale leaseback — — — — — — — — — — — — — (86) — — — — — Loss on BOLI restructuring — — — — — — — — — — — 7 — — — — — — — Recognition of mortgage servicing asset — — — — — — — — — — (12) — — — — — — — — Fair value adjustment on non-qualified deferred compensation — (6) 1 — — — — — — — — — — — — — — — — Total revenues-TE, excluding above noted adjustments $ 1,318 $ 1,238 $ 1,229 $ 563 $ 559 $ 519 $ 488 $ 487 $ 479 $ 451 $ 428 $ 417 $ 429 $ 424 $ 413 $ 416 $ 422 $ 400 $ 352 Book value per common share $ 91.52 $ 92.96 $ 91.42 $ 87.90 $ 85.60 $ 82.79 $ 81.57 $ 80.46 $ 79.33 $ 77.15 $ 76.23 $ 75.80 $ 73.23 $ 73.32 $ 71.24 $ 69.35 $ 67.07 $ 66.74 $ 66.30 Adjustment due to goodwill, core deposit and other intangible assets $ (29.66) $ (29.94) $ (30.24) $ (24.19) $ (24.07) $ (24.09) $ (24.10) $ (24.22) $ (24.21) $ (24.23) $ (24.25) $ (24.42) $ (24.45) $ (24.47) $ (24.49) $ (24.61) $ (24.63) $ (24.66) $ (24.65) Tangible book value per common share $ 61.86 $ 63.02 $ 61.18 $ 63.71 $ 61.53 $ 58.70 $ 57.47 $ 56.24 $ 55.12 $ 52.92 $ 51.98 $ 51.38 $ 48.78 $ 48.85 $ 46.75 $ 44.74 $ 42.44 $ 42.08 $ 41.65