Banking Review / Deal Surface / 2026-05-29
The DealCard decision instrument begins by articulating PRC Proximate Residents Catchment accretion, upon minting a specific merger scenario.
PRC Bridge
PINNACLE + Them: SYNOVUS
276,405 Me-only PRC + 139,495 Me PRC in co-trade regions + 343,528 Them accretion in co-trade regions + 762,191 Them-only accretion = 1,521,618 merged PRC
SMARTMARKETS VALUE PROP
Mint-ready: for any next-deal Them-target;
PRC accretion: normalized drill down into trade regions, compass subregions, fit + fill-in readout;
Regulator: density read out;
Due Diligence prep: branch fit motions;
First steps into: site network lifecycle/pruner (eg mint MatchMaker for Me vs All-Them);
If you want, designed to wire into your team decision workflow;
Based on current FFIEC branches; census residents.
SLIDE 2 / CO-TRADE MINI REPORT
Co-trade regions, ordered by Them accretion PRC:
1. ATLANTAGA 6140: Me PRC 10,744 | Them accretion PRC 75,702
2. MARIETTAGA 6980: Me PRC 914 | Them accretion PRC 68,428
3. FLORENCESC 2050: Me PRC 6,764 | Them accretion PRC 61,985
4. JACKSONVIL 6480: Me PRC 1,792 | Them accretion PRC 27,210
5. BIRMINGHAM 6510: Me PRC 2,005 | Them accretion PRC 26,143
6. SAVANNAHGA 1490: Me PRC 1,184 | Them accretion PRC 25,250
7. CHATTANOOG 1640: Me PRC 14,177 | Them accretion PRC 22,086
8. CHARLESTON 6920: Me PRC 57,048 | Them accretion PRC 17,767
9. HUNTSVILLE 1400: Me PRC 3,800 | Them accretion PRC 6,133
10. ROCKHILLSC 2140: Me PRC 158 | Them accretion PRC 5,693
Them-only trade regions, top 10 by PRC:
1. COLUMBUSAL 2410: Them PRC 130,406
2. PENSACOLAA 6890: Them PRC 67,286
3. CAPECORALF 6640: Them PRC 52,957
4. TAMPAFL 6150: Them PRC 49,860
5. WESTPALMBE 6350: Them PRC 48,897
6. CHEROKEEGA 1340: Them PRC 41,429
7. TALLAHASSE 1710: Them PRC 40,769
8. LAGRANGEGA 2560: Them PRC 34,977
9. ATHENSGA 2250: Them PRC 34,444
10. COLUMBIASC 6940: Them PRC 30,545
SLIDE 3 / PRC LEARNINGS
The usual question: where do these networks overlap?
The Smartmarkets question: what resident catchment does the combined network accrete?
PRC is precomputed before the dealcard starts.
A merger changes ownership of sites whose proximate catchment was already settled.
The bridge is intentionally boring: reassemble ownership of already-attributed residents.
FOR YOUR SHARP LLM-EQUIPPED ANALYST — QUICK-START GUIDE BELOW:
tsmr_issue_id: 2026052907 scenario: synovus_pinnacle_pre_close_20260101_exhibit Me org key: 816073350 Them org key: 811078846 (now expired)
Decision instrument; Machine-readable stable route surface, Tabular spatial analytics, Recipes help wiring if you want.
Paste this into your LLM to explore an Example DealCard
GET https://smartmarkets.ai/llms.txt
GET https://llm.smartmarkets.ai/8150/llm.txt
Orient the operator to the smartmarkets.ai terminal. Login uses email magic link (no password).
1) Open https://smartmarkets.ai and sign in: >_ login your@email.com
Note: no Stripe required for this single public Review GRATIS exception.
2) Issue a scoped 8150 key (one per account; shown once):
>_ key issue --series=8150
3) Store locally in your development environment with LLM agent access:
export SMARTMARKETS_API_KEY='<paste pmx_* key>'
4) Confirm 2b pack:
curl -sS -H "Authorization: Bearer $SMARTMARKETS_API_KEY" \
https://llm.smartmarkets.ai/8150/account/key-status \
| jq '.data | {tier_name, emr_pack_id, available_scenarios}'
Expect: mint_8150_tsmr_founder_dealcard, founder_ci, scenario cadence_buys_industry_2026Q2_repaired
5) In terminal: >_ help ci — then paste this chip into your LLM.
LLM HANDOFF (paste after key is set):
Current Vintage Rule: this key is for the current supported data vintage on this Deal Surface only; remint when Smartmarkets promotes a new vintage.
First task: GET /emr for the recipe to produce a simple bridge text report. Narrate PRC bridge meaning using Smartmarkets data only — no outside deal research.Paste this into your LLM to mint a production DealCard for your next deal. Hint: Huntington now rolls merged banks under org_key 811068191.
Production forward path — paste into your LLM after orienting the operator to smartmarkets.ai. GET https://smartmarkets.ai/llms.txt GET https://llm.smartmarkets.ai/8150/llm.txt Terminal (magic-link auth): 1) >_ org-key search --query=<bank name> 2) >_ org-key proof --org_key=<ORG_KEY> # both Me and Them sides 3) >_ mint 8150 dealcard --me_org_key=<ME> --them_org_key=<THEM> --scenario=<SCENARIO> 4) >_ key issue --series=8150 5) >_ help dealcard Exhibit boundary hint: https://smartmarkets.ai/review/banking/2026-05-22-huntington-cadence-pre-close-exhibit is a past-tense training Explainer only — Cadence is already rolled under Huntington; you cannot mint this pair on the production rail.
OPB METHODOLOGY
ORR is the change-control rail for this Explainer — one FFIEC stack per cvr_cycle_id, one narrative pin per pre-close deal.
Deal teams should recognize these TRNSFM markings; OPB foots them at the Explainer cut plane for client-side audit.
Me = slice @ pin. Them = merged standalone @ pin. Post-close absorption is a lineage assumption only.
PRC bridge reads Smartmarkets LIBRARY at pin-replayed org_keys — same accretion instrument as forward minted DealCard, just with a past-tense exemplary cut.
See Prompt Chip for the production mint on your next deal. This Review Explainer trains the bridge — not production mint (you will not be able to mint this deal card; Them is already rolled under).
ORR STACK / CHANGE PLANE
Pin 2026-01-01 · ORR-8150-bank-2026Q2-rev1 · Me org_key 816073350 · Them org_key 811078846 standalone @ pin.
Exclude transforms on or after 2026-01-02 (forward CVR).
Pre-pin stack changes (newest first):
2022-06-02 — Pinnacle Credit Enhancement Holdings, Inc. → Pinnacle Financial Partners → Me stack change
2019-01-01 — Fcb Financial Holdings, Inc. → Synovus Financial Corp → Them stack change
2017-06-16 — Bnc Bancorp → Pinnacle Financial Partners → Me stack change
2016-07-01 — Avenue Financial Holdings, Inc. → Pinnacle Financial Partners → Me stack change
2007-12-01 — Mid-America Bancshares, Inc. → Pinnacle Financial Partners → Me stack change
2006-04-01 — Banking Corporation Of Florida → Synovus Financial Corp → Them stack change
2006-03-25 — Riverside Bancshares, Inc. → Synovus Financial Corp → Them stack change
2006-03-16 — Cavalry Bancorp, Inc. → Pinnacle Financial Partners → Me stack change
2005-12-31 — Synovus Financial Corp. Of Alabama → Synovus Financial Corp → Them stack change
2004-01-31 — Peoples Florida Banking Corporation → Synovus Financial Corp → Them stack change
2003-03-01 — United Financial Holdings, Incorporated → Synovus Financial Corp → Them stack change
2003-02-27 — Fnb Newton Bankshares, Inc. → Synovus Financial Corp → Them stack change
2002-08-01 — Community Financial Group, Inc. → Synovus Financial Corp → Them stack change
2001-12-08 — Fabp Bancshares, Inc. → Synovus Financial Corp → Them stack change
1999-10-31 — Horizon Bancshares, Inc. → Synovus Financial Corp → Them stack change
1999-10-31 — Ready Bank Of Fort Walton Beach Holding Company, Inc. → Synovus Financial Corp → Them stack change
1999-09-30 — Merit Holding Corporation → Synovus Financial Corp → Them stack change
1998-09-01 — Community Bank Capital Corporation → Synovus Financial Corp → Them stack change
1995-04-29 — Citizens And Merchants Corporation → Synovus Financial Corp → Them stack change
1995-03-01 — Nbsc Corporation → Synovus Financial Corp → Them stack change
1991-08-21 — Cb Bancshares, Inc. → Synovus Financial Corp → Them stack change
1991-02-16 — Sea Island Bankshares, Inc. → Synovus Financial Corp → Them stack change
1990-03-28 — Nbwc Corporation → Synovus Financial Corp → Them stack change
1990-01-19 — Northwest Florida Banking Corporation → Synovus Financial Corp → Them stack change
1989-12-01 — Vanguard Banks → Synovus Financial Corp → Them stack change
1989-06-05 — International City Bancorp, Inc. → Synovus Financial Corp → Them stack change
1987-03-31 — First Community Bancshares Of Tifton, Inc. → Synovus Financial Corp → Them stack change
1987-01-31 — First Camden Bancorporation → Synovus Financial Corp → Them stack change
1985-05-29 — First United Bancshares, Inc. → Synovus Financial Corp → Them stack change
1985-05-01 — F & M Bancshares, Inc. → Synovus Financial Corp → Them stack change
1984-09-01 — Union Investment Co., Inc. → Synovus Financial Corp → Them stack change
1981-10-31 — Coastal Bankshares, Inc. → Synovus Financial Corp → Them stack change
Post-close (excluded from geography):
2026-01-02 — Synovus Financial Corp → Pinnacle Financial Partners, Inc. [after pin · TRNSFM_CD=1]
2026-01-02 — Pinnacle Financial Partners → Pinnacle Financial Partners, Inc. [after pin · TRNSFM_CD=1]
Internal control: PRC @ 2026-01-01 = stack after scroll above, before post-close absorption.
CSV footnote · 1078846→6073350 TRNSFM_CD=1 @ 2026-01-02 · member rollup sod_branch_count=0 · inherited_via_transform=true (NIC BHC close; no CSV branch reopen under buyer). 6AD-006-001 assumption: DealCard PRC treats Them branches as surviving accretion @ pin — disclosed design choice; not implied by NIC CSV branch rows alone.