Companies: 11,246     total market cap: $155.106 T
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Renasant Corp
RNST
#3723
Rank
$3.93 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
$43.06
Share price
0.83%
Change (1 day)
20.60%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. Renasant Corp
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2026 Q2

Renasant Corp - 10-Q quarterly report FY2026 Q2


Text size:
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 ________________________________________________________
FORM 10-Q
 ________________________________________________________
(Mark One)
☒Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the quarterly period ended June 30, 2026
Or
☐Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the transition period from                      to                     
Commission file number: 001-13253
 ________________________________________________________
RENASANT CORPORATION
(Exact name of registrant as specified in its charter)
 ________________________________________________________
Mississippi64-0676974
(State or other jurisdiction of(I.R.S. Employer
incorporation or organization)Identification No.)
209 Troy Street,Tupelo,Mississippi38804-4827
(Address of principal executive offices)(Zip Code)
(662) 680-1001
(Registrant’s telephone number, including area code)
 ________________________________________________________
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, $5.00 par value per shareRNSTThe New York Stock Exchange
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ☒    No  ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ☒    No  ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer☒Accelerated filer
☐
Non-accelerated filer
☐
Smaller reporting company
☐
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    No  ☒

As of July 31, 2026, 91,404,465 shares of the registrant’s common stock, par value $5.00 per share, were outstanding.

Renasant Corporation
Form 10-Q
For the Quarterly Period Ended June 30, 2026
CONTENTS
 
Page
PART I
Item 1.
Financial Statements (Unaudited)
Consolidated Balance Sheets
1
Consolidated Statements of Income
2
Consolidated Statements of Comprehensive Income
3
Consolidated Statements of Changes in Shareholders’ Equity
4
Consolidated Statements of Cash Flows
6
Notes to Consolidated Financial Statements
8
Note 1 - Summary of Significant Accounting Policies
8
Note 2 - Mergers and Acquisitions
9
Note 3 - Securities
12
Note 4 - Loans
17
Note 5 - Allowance for Credit Losses
29
Note 6 - Goodwill and Other Intangible Assets
32
Note 7 - Mortgage Servicing Rights
33
Note 8 - Employee Benefit and Deferred Compensation Plans
34
Note 9 - Derivative Instruments
35
Note 10 - Income Taxes
38
Note 11 - Fair Value Measurements
38
Note 12 - Other Comprehensive Income (Loss)
43
Note 13 - Net Income Per Common Share
45
Note 14 - Segment Reporting
45
Item 2.
Management’s Discussion and Analysis of Financial Condition and Results of Operations
49
Item 3.
Quantitative and Qualitative Disclosures about Market Risk
71
Item 4.
Controls and Procedures
71
PART II
Item 1A.
Risk Factors
73
Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds
73
Item 5.
Other Information
74
Item 6.
Exhibits
74
75



PART I. FINANCIAL INFORMATION
Item 1. FINANCIAL STATEMENTS

Renasant Corporation
Consolidated Balance Sheets

(In Thousands, Except Share Data)
(Unaudited)
June 30,
2026		December 31, 2025
Assets
Cash and due from banks$264,102 $299,592 
Interest-bearing balances with banks617,101 771,126 
Cash and cash equivalents881,203 1,070,718 
Securities held to maturity (fair value of $902,853 and $961,870, respectively)
983,032 1,030,073 
Securities available for sale, at fair value (amortized cost of $2,942,166 and $2,635,495, respectively)
2,842,424 2,560,818 
Loans held for sale, at fair value241,588 265,959 
Loans held for investment, net of unearned income19,196,172 19,047,039 
Allowance for credit losses on loans(296,008)(293,955)
Loans, net18,900,164 18,753,084 
Premises and equipment, net464,020 465,141 
Other real estate owned, net15,571 15,191 
Goodwill1,417,538 1,405,840 
Other intangible assets, net138,022 146,612 
Bank-owned life insurance495,235 492,541 
Mortgage servicing rights, net65,816 65,271 
Other assets560,386 480,178 
Total assets$27,004,999 $26,751,426 
Liabilities and shareholders’ equity
Liabilities
Deposits
Noninterest-bearing$5,038,070 $5,043,960 
Interest-bearing16,662,982 16,429,110 
Total deposits21,701,052 21,473,070 
Short-term borrowings315,225 555,774 
Long-term debt796,469 499,756 
Other liabilities320,875 337,921 
Total liabilities23,133,621 22,866,521 
Shareholders’ equity
Preferred stock, $0.01 par value – 5,000,000 shares authorized; no shares issued and outstanding
— — 
Common stock, $5.00 par value – 250,000,000 shares authorized; 97,722,397 shares issued; 91,403,230 and 94,636,207 shares outstanding, respectively
488,612 488,612 
Treasury stock, at cost – 6,319,167 and 3,086,190 shares, respectively
(232,402)(103,494)
Additional paid-in capital2,390,839 2,392,997 
Retained earnings1,327,997 1,196,522 
Accumulated other comprehensive loss, net of taxes(103,668)(89,732)
Total shareholders’ equity3,871,378 3,884,905 
Total liabilities and shareholders’ equity$27,004,999 $26,751,426 
See Notes to Consolidated Financial Statements.    
1
Renasant Corporation
Consolidated Statements of Income (Unaudited)
(In Thousands, Except Per Share Data)
Three Months EndedSix Months Ended
June 30,June 30,
2026202520262025
Interest income
Loans$299,675 $306,433 $597,948 $506,007 
Securities
Taxable29,505 24,918 58,181 35,887 
Tax-exempt6,155 3,490 9,745 4,638 
Other5,105 9,057 12,686 17,696 
Total interest income340,440 343,898 678,560 564,228 
Interest expense
Deposits106,398 111,921 210,258 191,307 
Borrowings11,288 13,118 21,989 19,865 
Total interest expense117,686 125,039 232,247 211,172 
Net interest income222,754 218,859 446,313 353,056 
Provision for credit losses on loans1,166 75,400 5,390 77,450 
Provision for credit losses on unfunded commitments2,633 5,922 6,489 8,622 
Provision for credit losses3,799 81,322 11,879 86,072 
Net interest income after provision for credit losses218,955 137,537 434,434 266,984 
Noninterest income
Service charges on deposit accounts14,516 13,618 29,256 23,982 
Fees and commissions5,471 6,650 10,125 10,437 
Wealth management revenue9,073 7,345 17,751 14,412 
Mortgage banking income9,178 11,263 18,613 19,410 
BOLI income4,608 3,383 8,297 6,312 
Other8,344 6,075 17,420 10,176 
Total noninterest income51,190 48,334 101,462 84,729 
Noninterest expense
Salaries and employee benefits96,228 99,542 187,977 171,499 
Data processing5,037 5,438 10,258 9,527 
Net occupancy and equipment18,018 17,359 36,049 29,113 
Other real estate owned453 157 1,852 842 
Professional fees4,518 4,223 8,920 7,107 
Advertising and public relations4,677 4,490 9,276 8,787 
Intangible amortization8,370 8,884 16,590 9,964 
Communications3,566 3,184 7,575 5,217 
Merger and conversion related expenses— 20,479 — 21,270 
Other20,634 19,448 38,332 33,754 
Total noninterest expense161,501 183,204 316,829 297,080 
Income before income taxes108,644 2,667 219,067 54,633 
Income taxes21,553 1,649 43,748 12,097 
Net income$87,091 $1,018 $175,319 $42,536 
Basic earnings per share$0.95 $0.01 $1.89 $0.54 
Diluted earnings per share$0.94 $0.01 $1.88 $0.53 
See Notes to Consolidated Financial Statements.
2
Renasant Corporation
Consolidated Statements of Comprehensive Income (Unaudited)
(In Thousands)
 
Three Months EndedSix Months Ended
June 30,June 30,
2026202520262025
Net income$87,091 $1,018 $175,319 $42,536 
Other comprehensive income, net of tax:
Securities available for sale:
Unrealized holding (losses) gains on securities(6,812)6,758 (18,679)26,728 
Amortization of unrealized holding losses on securities transferred to the held to maturity category1,938 2,113 3,891 4,378 
Total securities available for sale(4,874)8,871 (14,788)31,106 
Derivative instruments:
Unrealized holding gains (losses) on derivative instruments148 (2,065)(511)(4,079)
Amounts reclassified into earnings627 700 1,253 1,392 
Total derivative instruments775 (1,365)742 (2,687)
Defined benefit pension and post-retirement benefit plans:
Amortization of net actuarial loss recognized in net periodic pension cost55 74 110 148 
Total defined benefit pension and post-retirement benefit plans55 74 110 148 
Other comprehensive (loss) income, net of tax(4,044)7,580 (13,936)28,567 
Comprehensive income$83,047 $8,598 $161,383 $71,103 

See Notes to Consolidated Financial Statements.
3

Renasant Corporation
Consolidated Statements of Changes in Shareholders’ Equity
(Unaudited)

(In Thousands, Except Share Data)

Common StockTreasury StockAdditional Paid-In CapitalRetained EarningsAccumulated Other Comprehensive LossTotal
Six Months Ended June 30, 2026SharesAmount
Balance at January 1, 202694,636,207 $488,612 $(103,494)$2,392,997 $1,196,522 $(89,732)$3,884,905 
Net income— — — — 88,228 — 88,228 
Other comprehensive loss— — — — — (9,892)(9,892)
Comprehensive income78,336 
Cash dividends ($0.23 per share)
— — — — (21,634)— (21,634)
Repurchase of shares in connection with stock repurchase program(1,917,611)— (75,806)— — — (75,806)
Issuance of common stock for stock-based compensation awards162,733 — 5,465 (9,822)— — (4,357)
Stock-based compensation expense— — — 5,474 — — 5,474 
Balance at March 31, 202692,881,329 $488,612 $(173,835)$2,388,649 $1,263,116 $(99,624)$3,866,918 
Net income— $— $— $— $87,091 $— $87,091 
Other comprehensive loss— — — — — (4,044)(4,044)
Comprehensive income83,047 
Cash dividends ($0.24 per share)
— — — — (22,210)— (22,210)
Repurchase of shares in connection with stock repurchase program(1,533,708)— (60,532)— — — (60,532)
Issuance of common stock for stock-based compensation awards, net of forfeitures55,609 — 1,965 (2,194)— — (229)
Stock-based compensation expense— — — 4,384 — — 4,384 
Balance at June 30, 202691,403,230 $488,612 $(232,402)$2,390,839 $1,327,997 $(103,668)$3,871,378 
4
Common StockTreasury StockAdditional Paid-In CapitalRetained EarningsAccumulated Other Comprehensive Income (Loss)Total
Six Months Ended June 30, 2025SharesAmount
Balance at January 1, 202563,565,690 $332,421 $(97,196)$1,491,847 $1,093,854 $(142,608)$2,678,318 
Net income— — — — 41,518 — 41,518 
Other comprehensive income— — — — — 20,987 20,987 
Comprehensive income62,505 
Cash dividends ($0.22 per share)
— — — — (14,270)— (14,270)
Issuance of common stock for stock-based compensation awards173,777 — 5,550 (8,778)— — (3,228)
Stock-based compensation expense— — — 3,780 — — 3,780 
Balance at March 31, 202563,739,467 $332,421 $(91,646)$1,486,849 $1,121,102 $(121,621)$2,727,105 
Net income— $— $— $— $1,018 $— $1,018 
Other comprehensive income— — — — — 7,580 7,580 
Comprehensive income8,598 
Cash dividends ($0.22 per share)
— — — — (21,155)— (21,155)
Common stock issued in connection with an acquisition31,238,172 156,191 — 903,720 — — 1,059,911 
Issuance of common stock for stock-based compensation awards41,672 — 1,398 (1,307)— — 91 
Stock-based compensation expense— — — 4,304 — — 4,304 
Balance at June 30, 202595,019,311 $488,612 $(90,248)$2,393,566 $1,100,965 $(114,041)$3,778,854 

See Notes to Consolidated Financial Statements.
5
Renasant Corporation
Consolidated Statements of Cash Flows (Unaudited)
(In Thousands)
Six Months Ended June 30,
20262025
Operating activities
Net income$175,319 $42,536 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses11,879 86,072 
Depreciation, amortization and accretion4,695 11,789 
Deferred income tax expense (benefit)5,866 (608)
Gain on sale of mortgage servicing rights— (1,467)
Funding of mortgage loans held for sale(752,952)(794,785)
Proceeds from sales of mortgage loans held for sale786,226 698,716 
Gains on sales of mortgage loans held for sale(10,065)(9,816)
Losses (gains) on sales of premises and equipment44 (347)
Stock-based compensation9,858 8,084 
Income from bank-owned life insurance(8,297)(6,312)
Net change in operating leases2,953 3,141 
(Increase) decrease in other assets(1,370)7,533 
Decrease in other liabilities(41,670)(25,001)
Net cash provided by operating activities182,486 19,535 
Investing activities
Purchases of securities available for sale(541,398)(946,095)
Proceeds from sales of securities available for sale— 686,485 
Proceeds from call/maturities of securities available for sale238,435 113,025 
Proceeds from call/maturities of securities held to maturity49,562 52,352 
Proceeds from sale of mortgage servicing rights— 9,353 
Net increase in loans(81,252)(480,005)
Purchases of premises and equipment(12,350)(14,996)
Proceeds from sales of premises and equipment718 1,346 
Proceeds from surrender of bank-owned life insurance— 56,255 
Purchases of FHLB stock(3,049)(17,758)
Proceeds from redemption of FHLB stock16,015 12,075 
Purchases of FRB stock(91,303)— 
Proceeds from redemption of FRB stock233 — 
Proceeds from sales of other assets11,292 11,778 
Net cash (paid) received in acquisition of businesses(67,612)261,483 
Other, net5,603 1,855 
Net cash used in investing activities(475,106)(252,847)
Financing activities
Net increase in deposits227,982 556,236 
Net decrease in short-term borrowings(240,549)(919)
Proceeds from the issuance of long-term debt, net of issuance costs295,854 — 
Cash paid for dividends(43,844)(35,425)
Repurchase of shares in connection with stock repurchase program(136,338)— 
Net cash provided by financing activities103,105 519,892 
Net (decrease) increase in cash and cash equivalents(189,515)286,580 
Cash and cash equivalents at beginning of period1,070,718 1,092,032 
Cash and cash equivalents at end of period$881,203 $1,378,612 
6
Six Months Ended June 30,
20262025
Supplemental disclosures
Cash paid for interest$226,319 $199,936 
Cash paid for income taxes$33,920 $21,088 
Noncash transactions:
Transfers of loans to other real estate owned$12,935 $4,281 
Common stock issued in acquisition of businesses$— $1,059,911 
Recognition of operating right-of-use assets and liabilities$4,702 $12,251 
Contingent consideration and holdbacks recognized in acquisition of business$8,741 $— 

See Notes to Consolidated Financial Statements.
7
Renasant Corporation
Notes to the Consolidated Financial Statements (Unaudited)

Note 1 – Summary of Significant Accounting Policies
(In Thousands)
Nature of Operations: Renasant Corporation (referred to herein as the “Company”) owns and operates Renasant Bank (“Renasant Bank” or the “Bank”), Park Place Capital Corporation and Continental Republic Capital, LLC (doing business as “Republic Business Credit”). Through its subsidiaries, the Company offers a diversified range of financial, wealth management and fiduciary services to its retail and commercial customers from offices located throughout the Southeast and offers factoring and asset-based lending on a nationwide basis.
Basis of Presentation: The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair statement of the results for the interim periods presented have been included. For further information regarding the Company’s significant accounting policies, refer to the audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026.
Use of Estimates: The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from those estimates, and such differences may be material. Material estimates that are particularly susceptible to change include the allowance for credit losses and the fair value of assets acquired and liabilities assumed as part of a business acquisition.
Loans acquired in a business combination: Loans acquired in a business combination are recognized on the acquisition date at their purchase price plus an allowance for expected credit losses (“ACL”) established at acquisition. The ACL recognized at acquisition is recorded through a gross-up that increases the amortized cost basis of the asset with no effect on net income at acquisition. The sum of the loan’s purchase price and the ACL gross-up becomes the loan’s initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium. Any noncredit discount is accreted into interest income using the effective interest method over the remaining contractual life of the loan, adjusted for estimated prepayments.

Impact of Recently-Issued Accounting Standards and Pronouncements:
In November 2024, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2024-03, “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses” (“ASU 2024-03”), which amends the disclosure requirements in the notes to financial statements of specified information about certain costs and expenses. ASU 2024-03 will be effective January 1, 2027 and is not expected to have a significant impact on the Company’s financial statements.
On April 1, 2026, the Company adopted ASU 2025-08, “Financial Instruments - Credit Losses (Topic 326): Purchased Loans” (“ASU 2025-08”), which amends the guidance on accounting for purchased loans under the current expected credit losses model (“CECL”). The amendments clarify and refine the measurement and recognition requirements for purchased financial assets with credit deterioration and other purchased loans, including guidance on determining the initial allowance for credit losses, the treatment of noncredit discounts and premiums, and subsequent measurement considerations. ASU 2025-08 was applied to the business combination that occurred this quarter, which is discussed in Note 2, “Mergers and Acquisitions,” below.
In November 2025, FASB issued ASU 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements” (“ASU 2025-09”), which enables entities to apply hedge accounting to a greater number of highly effective economic hedges in the following areas: (1) similar risk assessment for cash flow hedges, (2) hedging forecasted interest payments on choose-your-rate debt instruments, (3) cash flow hedges of nonfinancial forecasted transactions, (4) net written options as hedging instruments, and (5) foreign-currency-denominated debt instrument as hedging instrument and hedged item (dual hedge). ASU 2025-09 will be effective January 1, 2028, and is not expected to have a material impact on the Company’s consolidated financial position or results of operations, but it may affect the timing and presentation of gains and losses related to hedging activities and result in expanded disclosures.
8
Note 2 – Mergers and Acquisitions
(Dollar Amounts In Thousands, Except Share Data)
Acquisition of The First Bancshares, Inc. (“The First”)

Effective April 1, 2025, the Company completed its acquisition by merger of The First, the parent company of The First Bank, in a transaction valued at approximately $1,052,690. The Company issued 30,811,851 shares of common stock and paid approximately $1,869, net of tax benefit, to The First stock option holders for 100% of the voting equity interest in The First. At closing, The First merged with and into the Company, with the Company the surviving corporation in the merger; immediately thereafter, The First Bank merged with and into Renasant Bank, with Renasant Bank the surviving banking corporation in the merger. Before the merger, The First operated 116 banking locations throughout Louisiana, Mississippi, Alabama, Georgia and Florida. No transaction costs were incurred during the three or six months ended June 30, 2026. The Company incurred transaction costs of $20,479 and $21,270 during the three and six months ended June 30, 2025, respectively. These transaction costs are reported in the line item “Merger and conversion related expenses” in the Consolidated Statements of Income.
The transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired and liabilities assumed were recorded at estimated fair values as of the acquisition date. The Company recorded approximately $584,499 in intangible assets, which consisted of goodwill of $419,023, a core deposit intangible of $159,610 and a customer relationship intangible of $5,866 associated with Southwest Georgia Insurance Services, Inc. (“SGIS”), The First’s wholly-owned insurance agency subsidiary. Goodwill resulted from a combination of revenue enhancements from expansion in existing markets and efficiencies resulting from operational synergies. The fair value of the core deposit intangible is being amortized over its estimated useful life, currently expected to be approximately 10 years. The goodwill is not deductible for income tax purposes. On December 31, 2025, substantially all of the assets and certain liabilities of SGIS, including the customer relationship intangible, were sold, with no gain or loss recognized on the sale.
The Company assumed the outstanding short-term borrowings and long-term debt of The First. Short-term borrowings consisted of $298,250 in short-term advances from the Federal Home Loan Bank. Long-term debt consisted of $95,262 and $25,653 in subordinated notes and junior subordinated debentures, respectively.

The following table summarizes the calculation of the purchase price in connection with the Company’s merger with The First.
Purchase Price:
Shares issued to common shareholders, excluding unvested restricted stock awards30,811,851 
Purchase price per share$33.93 
Value of stock paid$1,045,446 
Fair value of converted unvested restricted stock awards for pre-combination service5,375 
Cash settlement for stock options, net of tax benefit1,869 
  Total purchase price
$1,052,690 

9
The following table summarizes the fair value on April 1, 2025 of assets acquired and liabilities assumed on that date in connection with the merger with The First.
Fair Value of Net Assets Acquired
Cash and cash equivalents$263,352 
Securities1,457,377 
Loans, including loans held for sale5,173,334 
Premises and equipment179,629 
Bank-owned life insurance146,601 
Other real estate owned11,032 
Other intangible assets165,476 
Other assets175,627 
Total assets$7,572,428 
Deposits6,449,393 
Borrowings419,165 
Other liabilities70,203 
Total liabilities$6,938,761 
Net identifiable assets acquired over liabilities assumed$633,667 
Goodwill(1)
419,023 
Net assets acquired over liabilities assumed$1,052,690 
(1) The goodwill resulting from the merger has been assigned to the Community Banks operating segment.
The following table presents additional information related to the acquired loan portfolio at the acquisition date on April 1, 2025:
April 1, 2025
Purchased Credit-Deteriorated (“PCD”) loans:
Par value$168,511 
Allowance for credit losses at acquisition(25,003)
Non-credit discount(4,021)
Purchase price$139,487 
Non-PCD loans:
Fair value$5,032,996 
Gross contractual amounts receivable5,233,447 
Estimate of contractual cash flows not expected to be collected62,190 
The Company has determined it is impracticable to disclose stand-alone revenues and earnings for legacy The First since April 1, 2025 due to the merging of certain processes during the second quarter of 2025.
Acquisition of Factoring Business
Effective April 30, 2026, the Company, through Republic Business Credit, acquired a 100% ownership interest in certain factoring assets and business processes from REV Capital. The acquisition provided the Company with factoring receivables, customer relationships and a contractual workforce. This business combination allows the Company to expand into the temporary staffing factoring industry.
The transaction was accounted for under the acquisition method, in which the assets acquired were recorded at fair value as of the acquisition date. The fair value measurements are best estimates made by management, are dependent on certain
10
assumptions, including initial estimates of the fair value of the intangible assets, and are subject to adjustment for up to one year as additional information becomes available. The purchase consideration allocation below is considered preliminary and is subject to revision.
The following tables provide a preliminary allocation of the purchase consideration to the identified assets and goodwill acquired at the acquisition date:
Purchase Consideration:
Cash consideration(1)
$70,026 
Contingent consideration6,327 
  Total purchase consideration
$76,353 
Assets Acquired:
Factoring receivables (Net Funds Employed)$58,326 
Allowance for credit losses(1,749)
Accrued fees905 
Customer relationship intangible6,200 
Contract-based intangible1,800 
Total assets$65,482 
Total identifiable assets acquired65,482 
Goodwill(2)
10,871 
  Total assets acquired
$76,353 
(1) Includes holdback of $2,414.
(2) The goodwill resulting from the acquisition has been assigned to the Community Banks operating segment.
The Company paid cash in the amount of $70,026 less certain holdbacks. In addition, the Company is obligated to pay additional amounts over a two-year period to REV Capital based on the level of growth of the factoring receivables generated from the existing customer relationships and new customer generation from the contractual workforce (the “Contingent Consideration”). The total undiscounted amount that the Company could pay under the Contingent Consideration arrangement is between $0 and $6,983, plus an additional 5% of the average factoring receivables if certain milestones are met. The fair value of the Contingent Consideration, estimated using a scenario-based probability approach and discounted, was $6,327 as of April 30, 2026. Accordingly, the total fair value of consideration paid, including Contingent Consideration, is $76,353.
The factoring receivables are financial assets that have not experienced more-than-insignificant credit deterioration since origination. Pursuant to ASU 2025-08, since the factoring receivables are purchased seasoned loans, the allowance for credit losses is being recorded using the gross-up method. The factoring receivables, which have short maturities and floating interest rates indexed to benchmark market rates, are being recorded at their net funds employed, which is equal to the receivables acquired, less customer holdbacks.
The Company did not incur significant acquisition-related costs as part of this business combination.
The customer relationship intangible asset represents the value from future factored receivables expected to be generated from the acquired customer base. The contract-based intangible asset represents the additional costs that the Company would incur if it were to acquire an at-market contract similar to a sales channel agreement acquired as part of this acquisition. The customer relationship intangible is being amortized over its expected useful life of six years. The contract-based intangible is being amortized over three years. Fair value for the customer relationship was calculated using an income approach based on the multi-period excess earnings method. Fair value for the contract-based intangible was calculated using an income approach based on the with-and-without method.
The goodwill is expected to be fully tax deductible and represents the expected synergies, benefits to our brand, and acquired know-how from the acquisition.
Given the nature of the assets acquired, lack of historical financial data for the acquired assets, and systems conversion, the Company has determined that it is impracticable to disclose pro forma financials or revenue and earnings since the date of acquisition.
11
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Note 3 – Securities
(In Thousands, Except Number of Securities)

The amortized cost and fair value of securities available for sale were as follows as of the dates presented in the tables below.

There was no allowance for credit losses allocated to any of the Company’s available for sale securities as of June 30, 2026 or December 31, 2025.
 
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair
Value
June 30, 2026
Obligations of states and political subdivisions$274,280 $7,684 $(3,740)$278,224 
Residential mortgage-backed securities:
Agency mortgage-backed securities1,051,549 758 (22,092)1,030,215 
Collateralized mortgage obligations762,249 1,427 (64,315)699,361 
Commercial mortgage-backed securities:
Agency mortgage-backed securities99,275 112 (818)98,569 
Collateralized mortgage obligations408,355 2,730 (20,321)390,764 
Other debt securities346,458 845 (2,012)345,291 
$2,942,166 $13,556 $(113,298)$2,842,424 
 
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair
Value
December 31, 2025
Obligations of states and political subdivisions$266,553 $8,012 $(1,780)$272,785 
Residential mortgage-backed securities:
Agency mortgage-backed securities793,154 5,670 (15,675)783,149 
Collateralized mortgage obligations706,986 2,826 (57,908)651,904 
Commercial mortgage-backed securities:
Agency mortgage-backed securities100,314 285 (762)99,837 
Collateralized mortgage obligations419,356 3,552 (18,120)404,788 
Other debt securities349,132 1,537 (2,314)348,355 
$2,635,495 $21,882 $(96,559)$2,560,818 


12
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
The amortized cost and fair value of securities held to maturity were as follows as of the dates presented:
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair
Value
June 30, 2026
Obligations of states and political subdivisions$277,221 $17 $(29,086)$248,152 
Residential mortgage-backed securities:
Agency mortgage-backed securities300,547 — (15,072)285,475 
Collateralized mortgage obligations305,069 — (25,284)279,785 
Commercial mortgage-backed securities:
Agency mortgage-backed securities16,813 — (2,113)14,700 
Collateralized mortgage obligations41,530 — (6,150)35,380 
Other debt securities41,884 — (2,523)39,361 
$983,064 $17 $(80,228)$902,853 
Allowance for credit losses - held to maturity securities(32)
Held-to-maturity securities, net of allowance for credit losses$983,032 
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair
Value
December 31, 2025
Obligations of states and political subdivisions$279,424 $29 $(29,516)$249,937 
Residential mortgage-backed securities:
Agency mortgage-backed securities323,993 — (10,030)313,963 
Collateralized mortgage obligations320,258 — (18,600)301,658 
Commercial mortgage-backed securities:
Agency mortgage-backed securities16,938 — (2,059)14,879 
Collateralized mortgage obligations42,079 — (5,997)36,082 
Other debt securities47,413 — (2,062)45,351 
$1,030,105 $29 $(68,264)$961,870 
Allowance for credit losses - held to maturity securities(32)
Held-to-maturity securities, net of allowance for credit losses$1,030,073 
No securities were sold during the three or six months ended June 30, 2026. Securities sold during the three and six months ended June 30, 2025 are presented in the tables below. On April 1, 2025, the Company acquired available for sale securities with a fair value of $1,457,377 as part of the merger with The First. Shortly after the merger, certain securities from this portfolio were sold at carrying value, resulting in no gain or loss on the sale; no other securities were sold during the first six months of 2025.
13
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Carrying ValueNet ProceedsGain/(Loss)
Three months ended June 30, 2025
Obligations of other U.S. Government agencies and corporations$34,394 $34,394 $— 
Obligations of states and political subdivisions327,509 327,509 — 
Residential mortgage backed securities:
Agency mortgage-backed securities275,910 275,910 — 
Collateralized mortgage obligations2,437 2,437 — 
Commercial mortgage-backed securities:
Agency mortgage-backed securities6,541 6,541 — 
Collateralized mortgage obligations6,480 6,480 — 
Other debt securities33,214 33,214 — 
$686,485 $686,485 $— 
Six months ended June 30, 2025
Obligations of other U.S. Government agencies and corporations$34,394 $34,394 $— 
Obligations of states and political subdivisions327,509 327,509 — 
Residential mortgage-backed securities:
Agency mortgage-backed securities275,910 275,910 — 
Collateralized mortgage obligations2,437 2,437 — 
Commercial mortgage-backed securities:
Agency mortgage-backed securities6,541 6,541 — 
Collateralized mortgage obligations6,480 6,480 — 
Other debt securities33,214 33,214 — 
$686,485 $686,485 $— 
At June 30, 2026 and December 31, 2025, securities with a carrying value of $1,612,249 and $1,732,787, respectively, were pledged to secure government, public and trust deposits. Securities with a carrying value of $8,762 and $17,854 were pledged as collateral for short-term borrowings and derivative instruments, respectively, at June 30, 2026. Securities with a carrying value of $9,023 and $18,732 were pledged as collateral for short-term borrowings and derivative instruments, respectively, at December 31, 2025.
The amortized cost and fair value of securities at June 30, 2026 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may call or prepay obligations with or without call or prepayment penalties.
 
14
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Held to MaturityAvailable for Sale
Amortized
Cost		Fair
Value		Amortized
Cost		Fair
Value
Due within one year$— $— $7,060 $7,069 
Due after one year through five years18,009 17,219 68,746 69,252 
Due after five years through ten years186,556 167,503 121,866 121,531 
Due after ten years72,656 63,430 123,770 127,484 
Residential mortgage-backed securities:
Agency mortgage-backed securities300,547 285,475 1,051,549 1,030,215 
Collateralized mortgage obligations305,069 279,785 762,249 699,361 
Commercial mortgage-backed securities:
Agency mortgage-backed securities16,813 14,700 99,275 98,569 
Collateralized mortgage obligations41,530 35,380 408,355 390,764 
Other debt securities41,884 39,361 299,296 298,179 
$983,064 $902,853 $2,942,166 $2,842,424 
The following tables present by age the fair value and gross unrealized losses for each investment category for which an allowance for credit losses has not been recorded as of the dates presented:
 
Less than 12 Months12 Months or MoreTotal
#Fair
Value		Unrealized
Losses		#Fair
Value		Unrealized
Losses		#Fair
Value		Unrealized
Losses
Available for Sale:
June 30, 2026
Obligations of states and political subdivisions46 $57,548 $(1,893)11$15,919 $(1,847)57$73,467 $(3,740)
Residential mortgage-backed securities:
Agency mortgage-backed securities39 698,540 (5,333)38179,487 (16,759)77878,027 (22,092)
Collateralized mortgage obligations10 236,409 (1,553)38277,694 (62,762)48514,103 (64,315)
Commercial mortgage-backed securities:
Agency mortgage-backed securities1571,420 (516)14,636 (302)1676,056 (818)
Collateralized mortgage obligations35169,181 (1,943)28101,267 (18,378)63270,448 (20,321)
Other debt securities15 103,960 (426)11183,380 (1,586)26287,340 (2,012)
Total160$1,337,058 $(11,664)127$762,383 $(101,634)287$2,099,441 $(113,298)
December 31, 2025
Obligations of states and political subdivisions13$19,454 $(445)7$13,591 $(1,335)20$33,045 $(1,780)
Residential mortgage-backed securities:
Agency mortgage-backed securities8135,320 (903)36132,975 (14,772)44268,295 (15,675)
Collateralized mortgage obligations2 24,816 (58)37299,606 (57,850)39324,422 (57,908)
Commercial mortgage-backed securities:
Agency mortgage-backed securities9 71,188 (395)25,595 (367)1176,783 (762)
Collateralized mortgage obligations12 40,387 (56)25102,206 (18,064)37142,593 (18,120)
Other debt securities10191,504 (1,347)814,571 (967)18206,075 (2,314)
Total54$482,669 $(3,204)115$568,544 $(93,355)169$1,051,213 $(96,559)
15
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Less than 12 Months12 Months or MoreTotal
#Fair
Value		Unrealized
Losses		#Fair
Value		Unrealized
Losses		#Fair
Value		Unrealized
Losses
Held to Maturity:
June 30, 2026
Obligations of states and political subdivisions5$6,301 $(400)118$237,908 $(28,686)123$244,209 $(29,086)
Residential mortgage-backed securities:
Agency mortgage-backed securities441,439 (1,102)62244,036 (13,970)66285,475 (15,072)
Collateralized mortgage obligations—— — 18279,785 (25,284)18279,785 (25,284)
Commercial mortgage-backed securities:
Agency mortgage-backed securities—— — 114,700 (2,113)114,700 (2,113)
Collateralized mortgage obligations—— — 935,381 (6,150)935,381 (6,150)
Other debt securities—— — 1039,353 (2,523)1039,353 (2,523)
Total9$47,740 $(1,502)218$851,163 $(78,726)227$898,903 $(80,228)
December 31, 2025
Obligations of states and political subdivisions—$— $— 124$248,044 $(29,516)124$248,044 $(29,516)
Residential mortgage-backed securities:
Agency mortgage-backed securities—— — 66313,963 (10,030)66313,963 (10,030)
Collateralized mortgage obligations—— — 18301,657 (18,600)18301,657 (18,600)
Commercial mortgage-backed securities:
Agency mortgage-backed securities—— — 114,879 (2,059)114,879 (2,059)
Collateralized mortgage obligations—— — 936,083 (5,997)936,083 (5,997)
Other debt securities—— — 1045,351 (2,062)1045,351 (2,062)
Total—$— $— 228$959,977 $(68,264)228$959,977 $(68,264)
 
The Company evaluates its available for sale investment securities in an unrealized loss position on a quarterly basis. If the Company intends to sell the security or it is more likely than not that it will be required to sell before recovery, the entire unrealized loss is recorded as a loss within noninterest income in the Consolidated Statements of Income along with a corresponding adjustment to the amortized cost basis of the security. If the Company does not intend to sell the security and it is not more likely than not that it will be required to sell the security before recovery of its amortized cost basis, the Company evaluates whether any of the unrealized loss is related to a potential credit loss. The amount related to credit loss, if any, is recognized in earnings as a provision for credit loss and a corresponding allowance for credit losses is established; each is calculated as the difference between the estimate of the discounted future contractual cash flows and the amortized cost basis of the security. A number of qualitative and quantitative factors are considered by management in the estimate of the discounted future contractual cash flows, including the financial condition of the underlying issuer, current and projected deferrals or defaults and credit ratings by nationally recognized statistical rating agencies. The remaining difference between the fair value and the amortized cost basis of the security is considered the amount related to other market factors and is recognized in other comprehensive income, net of tax.

As of June 30, 2026, the Company did not intend to sell any of the securities in an unrealized loss position, and it is not more likely than not that the Company will be required to sell any such security prior to the recovery of its amortized cost basis, which may be maturity. Furthermore, approximately 88% of available for sale securities have the explicit backing of the U.S. government or a guarantee from a U.S. government-sponsored enterprise that has the same perceived credit risk as the U.S. government. Performance of these securities has been in line with broader market price performance, indicating that increases in market-based, risk-free rates, and not credit-related factors, are driving losses. When determining the fair value of the contractual cash flows for municipal and corporate securities, the Company considers historical experience with credit sensitive
16
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
securities, current market conditions, the financial condition of the underlying issuer, current credit ratings, ratings changes and outlook, explicit and implicit guarantees, and insurance programs. Based upon its review of these factors as of June 30, 2026, the Company determined that all such losses resulted from factors not deemed credit-related. As a result, no credit-related impairment was recognized in current earnings, and all unrealized losses for available for sale securities were recorded in other comprehensive income (loss). See Note 12, “Other Comprehensive Income (Loss)” for more information on the Company’s unrealized losses on securities.
The allowance for credit losses on held to maturity securities was $32 at each of June 30, 2026 and December 31, 2025. The Company monitors the credit quality of debt securities held to maturity using bond investment grades assigned by nationally recognized statistical ratings agencies. Updated investment grades are obtained as they become available from agencies. As of June 30, 2026, all of the debt securities held to maturity were rated A or higher by the ratings agencies.

Note 4 – Loans
(In Thousands, Except Number of Loans)
For purposes of this Note 4, all references to “loans” mean loans excluding loans held for sale.
The following is a summary of loans and leases as of the dates presented:
June 30,
2026		December 31, 2025
Commercial and industrial$3,063,069 $2,818,326 
Construction and land development
Residential416,894 382,773 
Other1,592,770 1,522,863 
Total construction and land development2,009,664 1,905,636 
Real estate – 1-4 family mortgage:
First lien3,788,776 3,844,097 
Junior lien53,068 52,943 
Home equity726,195 737,993 
Total real estate – 1-4 family mortgage4,568,039 4,635,033 
Commercial real estate - owner occupied3,332,728 3,334,664 
Commercial real estate - non-owner occupied
Multi family1,161,071 1,392,779 
Other4,962,429 4,852,701 
Total commercial real estate - non-owner occupied6,123,500 6,245,480 
Consumer99,172 107,900 
Loans, net of unearned income$19,196,172 $19,047,039 
The Company had unearned income of $5,491 and $5,152, unamortized net deferred fees of $4,062 and $1,900 and unamortized purchase accounting discounts, net of premiums, of $133,760 and $161,591 at June 30, 2026 and December 31, 2025, respectively.

17
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
The following tables provide an aging of past due accruing loans and the total of nonaccruing loans, segregated by class, as of the dates presented:
Accruing Loans
30-89 Days
Past Due		90 Days
or More
Past Due		Current
Loans		Total
Loans		Nonaccruing LoansTotal
Loans
June 30, 2026
Commercial and industrial$2,995 $4 $3,013,849 $3,016,848 $46,221 $3,063,069 
Construction and land development
Residential44 — 414,910 414,954 1,940 416,894 
Other2,343 — 1,586,432 1,588,775 3,995 1,592,770 
Total construction and land development2,387 — 2,001,342 2,003,729 5,935 2,009,664 
Real estate – 1-4 family mortgage:
First lien20,205 223,707,051 3,727,278 61,498 3,788,776 
Junior lien75 — 51,160 51,235 1,833 53,068 
Home equity2,938 — 720,180 723,118 3,077 726,195 
Total real estate – 1-4 family mortgage23,218 22 4,478,391 4,501,631 66,408 4,568,039 
Commercial real estate - owner occupied1,310 — 3,309,456 3,310,766 21,962 3,332,728 
Commercial real estate - non-owner occupied
Multi family— — 1,159,859 1,159,859 1,212 1,161,071 
Other661 — 4,917,233 4,917,894 44,535 4,962,429 
Total commercial real estate - non-owner occupied661 — 6,077,092 6,077,753 45,747 6,123,500 
Consumer570 25 98,418 99,013 159 99,172 
Loans, net of unearned income$31,141 $51 $18,978,548 $19,009,740 $186,432 $19,196,172 
Accruing Loans
30-89 Days
Past Due		90 Days
or More
Past Due		Current
Loans		Total
Loans		Nonaccruing LoansTotal
Loans
December 31, 2025
Commercial and industrial$6,580 $109 $2,783,744 $2,790,433 $27,893 $2,818,326 
Construction and land development
Residential59 — 380,681 380,740 2,033 382,773 
Other676 158 1,516,490 1,517,324 5,539 1,522,863 
Total construction and land development735 158 1,897,171 1,898,064 7,572 1,905,636 
Real estate – 1-4 family mortgage:
First lien55,636 — 3,727,587 3,783,223 60,874 3,844,097 
Junior lien743 7 50,717 51,467 1,476 52,943 
Home equity3,885 — 731,034 734,919 3,074 737,993 
Total real estate – 1-4 family mortgage60,264 7 4,509,338 4,569,609 65,424 4,635,033 
Commercial real estate - owner occupied9,109 — 3,294,252 3,303,361 31,303 3,334,664 
Commercial real estate - non-owner occupied
Multi family— — 1,391,994 1,391,994 785 1,392,779 
Other11,595 — 4,798,496 4,810,091 42,610 4,852,701 
Total commercial real estate - non-owner occupied11,595 — 6,190,490 6,202,085 43,395 6,245,480 
Consumer879 14 106,864 107,757 143 107,900 
Loans, net of unearned income$89,162 $288 $18,781,859 $18,871,309 $175,730 $19,047,039 
Interest income recognized on nonaccrual loans for the six months ended June 30, 2026 and 2025 was immaterial.

18
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Certain Modifications to Borrowers Experiencing Financial Difficulty
The following tables present the amortized cost basis of loans that were experiencing financial difficulty and modified during the six months ended June 30, 2026 and 2025, respectively, by class of financing receivable and by type of modification.


Three Months Ended June 30, 2026
Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension and Payment DelayTotal% Total Loans by Class
Commercial and industrial$— $— $1,546 $— $1,546 0.05 %
Construction and land development
Residential— — — — — — %
Other— — — — — — %
Total construction and land development— — — — — — %
Real estate – 1-4 family mortgage:
First lien— — — 1,321 1,321 0.03 %
Junior lien— — — — — — %
Home equity— — — — — — %
Total real estate – 1-4 family mortgage— — — 1,321 1,321 0.03 %
Commercial real estate - owner occupied— 968 — 968 0.03 %
Commercial real estate - non-owner occupied
Multi family— — 748 748 0.06 %
Other— — — — — %
Total commercial real estate - non-owner occupied— — — 748 748 0.01 %
Consumer— — — — — — %
Loans, net of unearned income$— $— $2,514 $2,069 $4,583 0.02 %
Six Months Ended June 30, 2026
Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension and Payment DelayTotal% Total Loans by Class
Commercial and industrial$— $50 $1,578 $850 $2,478 0.08 %
Construction and land development
Residential— — — — — — %
Other— — — — — — %
Total construction and land development— — — — — — %
Real estate – 1-4 family mortgage:
First lien— 154 26 1,339 1,519 0.04 %
Junior lien— — — — — — %
Home equity— — 20 — 20 — %
Total real estate – 1-4 family mortgage— 154 46 1,339 1,539 0.03 %
Commercial real estate - owner occupied63 1,054 — 1,117 0.03 %
Commercial real estate - non-owner occupied
Multi family— — — 748 748 0.06 %
Other77 — 12,045 116 12,238 0.25 %
Total commercial real estate - non-owner occupied77 — 12,045 864 12,986 0.21 %
Consumer— — — 26 26 0.03 %
Loans, net of unearned income$140 $204 $14,723 $3,079 $18,146 0.09 %
19
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Three Months Ended June 30, 2025
Term ExtensionPayment DelayTerm Extension and Payment DelayTotal% Total Loans by Class
Commercial and industrial$— $3 $— $3 — %
Construction and land development
Residential— — 235 235 0.01 %
Other— — — — — %
Total construction and land development— — 235 235 0.01 %
Real estate – 1-4 family mortgage:
First lien— — — — — %
Junior lien— — — — — %
Home equity— 3 — 3 — %
Total real estate – 1-4 family mortgage— 3 — 3 — %
Commercial real estate - owner occupied— — — — %
Commercial real estate - non-owner occupied
Multi family— — — — — %
Other— — — — — %
Total commercial real estate - non-owner occupied— — — — — %
Consumer81 6 1 88 — %
Loans, net of unearned income$81 $12 $236 $329 — %
Six Months Ended June 30, 2025
Term ExtensionPayment DelayTerm Extension and Payment DelayInterest Rate Reduction, Term Extension and Payment DelayTotal% Total Loans by Class
Commercial and industrial$— $3 $— $— $3 — %
Construction and land development
Residential— — 235 — 235 0.01 %
Other— — — — — — %
Total construction and land development— — 235 — 235 0.01 %
Real estate – 1-4 family mortgage:
First lien— — — — — — %
Junior lien— — — — — — %
Home equity— 3 — — 3 — %
Total real estate – 1-4 family mortgage— 3 — — 3 — %
Commercial real estate - owner occupied— — — — — — %
Commercial real estate - non-owner occupied
Multi family— — — — — — %
Other2,119 — — — 2,119 0.07 %
Total commercial real estate - non-owner occupied2,119 — — — 2,119 0.07 %
Consumer81 6 1 2 90 — %
Loans, net of unearned income$2,200 $12 $236 $2 $2,450 0.01 %

20
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
The following tables present the weighted average financial effect of loan modifications by class of financing receivable for the periods presented.
Three Months Ended June 30, 2026
Loan TypeFinancial Effect
Payment Delay
Commercial and industrial
Delayed the payment 10 months
Commercial real estate - owner occupied
Delayed the payment 6 months
Combination - Term Extension and Payment Delay
Real estate – 1-4 family mortgage - First lien
Extended the term and delayed the payment 12 months
Commercial real estate - non-owner occupied - Multi-Family
Extended the term and delayed the payment 7 months
Six Months Ended June 30, 2026
Loan TypeFinancial Effect
Interest Rate Reduction
Commercial real estate - owner occupied
Reduced the interest rate 105 basis points
Commercial real estate - non-owner occupied - Other
Reduced the interest rate 125 basis points
Term Extension
Commercial and industrial
Extended the term 7 months
Real estate – 1-4 family mortgage - First lien
Extended the term 34 months
Payment Delay
Commercial and industrial
Delayed the payment 10 months
Real estate – 1-4 family mortgage - First lien
Delayed the payment 15 months
Real estate – 1-4 family mortgage - Home equity
Delayed the payment 121 months
Commercial real estate - owner occupied
Delayed the payment 6 months
Commercial real estate - non-owner occupied - Other
Delayed the payment 10 months
Combination - Term Extension and Payment Delay
Commercial and industrial
Extended the term and delayed the payment 12 months
Real estate – 1-4 family mortgage - First lien
Extended the term and delayed the payment 12 months
Commercial real estate - non-owner occupied -Multi-Family
Extended the term and delayed the payment 7 months
Commercial real estate - non-owner occupied - Other
Extended the term and delayed the payment 8 months
Consumer
Extended the term and delayed the payment 39 months
Three Months Ended June 30, 2025
Loan TypeFinancial Effect
Term Extension
Consumer
Extended the term 124 months
Payment Delay
Commercial and industrial
Delayed the payment 7 months
Real estate – 1-4 family mortgage - Home equity
Delayed the payment 39 months
Consumer
Delayed the payment 23 months
Combination - Term Extension and Payment Delay
Construction and land development - Residential
Extended the term and delayed the payment 35 months
Consumer
Extended the term and delayed the payment 60 months
21
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Six Months Ended June 30, 2025
Loan TypeFinancial Effect
Term Extension
Commercial real estate - non-owner occupied - Other
Extended the term 12 months
Consumer
Extended the term 124 months
Payment Delay
Commercial and industrial
Delayed the payment 7 months
Real estate – 1-4 family mortgage - Home equity
Delayed the payment 39 months
Consumer
Delayed the payment 23 months
Combination - Term Extension and Payment Delay
Construction and land development - Residential
Extended the term and delayed the payment 35 months
Consumer
Extended the term and delayed the payment 60 months
Combination - Interest Rate Reduction, Term Extension and Payment Delay
Consumer
Reduced the interest rate 425 basis points and extended the term and delayed the payment 49 months
Unused commitments relating to modified loans totaled $490 at June 30, 2026. There were no unused commitments relating to modified loans at June 30, 2025. Consumer loans totaling $16 for which the term was extended and payment delayed during the six months ended June 30, 2026 experienced a deterioration in past due or accrual status. There were no loan modifications in the six months ended June 30, 2025 for which the accrual or past due status deteriorated since the quarter of modification.
Loans Pledged
The Federal Home Loan Bank of Dallas (“FHLB”) maintains a blanket lien on the Company’s loan portfolio to be pledged as collateral for various FHLB products. In addition, the Company pledged $1,067,639 and $681,719 of its non-real estate loan portfolio to the Federal Reserve as collateral at the Discount Window at June 30, 2026 and December 31, 2025, respectively.
Credit Quality
The following tables present the internal risk-rating grades of the Company’s loan portfolio by year of origination or renewal as of the dates presented:
Term Loans Amortized Cost Basis by Origination Year
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
June 30, 2026
Commercial and industrial$304,499 $595,986 $233,644 $157,671 $223,561 $192,992 $1,315,153 $23,852 $3,047,358 
Pass302,328 564,012 229,615 153,356 217,331 188,653 1,263,142 20,438 2,938,875 
Special mention1,049 15,090 2,195 689 140 1,777 28,834 — 49,774 
Classified1,122 16,884 1,834 3,626 6,090 2,562 23,177 3,414 58,709 
Current period gross charge-offs252 259 170 342 257 351 343 1,319 3,293 
Construction and land development$496,092 $896,121 $253,845 $104,717 $52,531 $23,895 $62,710 $1,644 $1,891,555 
Residential169,946 121,803 10,926 25,446 — — 2,276 68 330,465 
Pass169,946 119,866 10,926 25,446 — — 2,276 68 328,528 
Special mention— — — — — — — — — 
Classified— 1,937 — — — — — — 1,937 
Current period gross charge-offs— — — — — — — — — 
Other$326,146 $774,318 $242,919 $79,271 $52,531 $23,895 $60,434 $1,576 $1,561,090 
Pass325,590 767,956 239,585 65,546 50,310 23,743 60,434 1,576 1,534,740 
22
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Special mention360 6,360 2,894 12,550 34 — — — 22,198 
Classified196 2 440 1,175 2,187 152 — — 4,152 
Current period gross charge-offs— — — — — — — — — 
Real Estate - 1-4 Family Mortgage$130,108 $249,406 $131,203 $113,559 $172,708 $142,099 $106,634 $1,115 $1,046,832 
First lien124,303 233,533 123,697 106,755 169,015 138,635 3,661 — 899,599 
Pass124,073 231,787 121,025 103,526 166,429 136,043 3,661 — 886,544 
Special mention92 29 593 48 552 570 — — 1,884 
Classified138 1,717 2,079 3,181 2,034 2,022 — — 11,171 
Current period gross charge-offs— — — 44 24 — — — 68 
Junior lien$5,318 $14,489 $6,719 $5,946 $3,429 $2,722 $151 $— $38,774 
Pass5,308 12,759 6,298 5,360 3,404 2,091 151 — 35,371 
Special mention10 74 205 — — — — — 289 
Classified— 1,656 216 586 25 631 — — 3,114 
Current period gross charge-offs— 19 — — 93 — — — 112 
Home equity$487 $1,384 $787 $858 $264 $742 $102,822 $1,115 $108,459 
Pass360 1,384 787 858 264 742 102,632 270 107,297 
Special mention— — — — — — — — — 
Classified127 — — — — — 190 845 1,162 
Current period gross charge-offs— — — — 73 — — 80 153 
Commercial real estate - owner occupied$287,260 $550,564 $563,762 $396,367 $474,184 $850,681 $209,376 $534 $3,332,728 
Pass281,093 544,286 545,268 386,085 456,927 812,333 207,632 — 3,233,624 
Special mention6,066 5,550 7,752 3,417 12,409 16,469 901 — 52,564 
Classified101 728 10,742 6,865 4,848 21,879 843 534 46,540 
Current period gross charge-offs300 — 175 303 392 193 — — 1,363 
Commercial real estate - non owner occupied$635,248 $1,514,937 $766,183 $649,194 $1,422,895 $1,039,726 $93,293 $2,024 $6,123,500 
Multi family145,379 296,549 76,381 157,223 357,973 123,793 3,773 — 1,161,071 
Pass144,523 295,167 73,519 157,223 357,623 123,197 3,773 — 1,155,025 
Special mention— — 2,858 — — — — — 2,858 
Classified856 1,382 4 — 350 596 — — 3,188 
Current period gross charge-offs— — — — — 177 — — 177 
Other$489,869 $1,218,388 $689,802 $491,971 $1,064,922 $915,933 $89,520 $2,024 $4,962,429 
Pass478,344 1,200,969 682,344 477,175 998,651 846,420 88,025 — 4,771,928 
Special mention— 785 5,313 2,366 25,916 9,434 20 — 43,834 
Classified11,525 16,634 2,145 12,430 40,355 60,079 1,475 2,024 146,667 
Current period gross charge-offs— — 197 — — — — — 197 
Consumer$— $— $— $— $— $— $— $— $— 
Pass— — — — — — — — — 
Special mention— — — — — — — — — 
Classified— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
23
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Total loans subject to risk rating$1,853,207 $3,807,014 $1,948,637 $1,421,508 $2,345,879 $2,249,393 $1,787,166 $29,169 $15,441,973 
Pass1,831,565 3,738,186 1,909,367 1,374,575 2,250,939 2,133,222 1,731,726 22,352 14,991,932 
Special mention7,577 27,888 21,810 19,070 39,051 28,250 29,755 — 173,401 
Classified14,065 40,940 17,460 27,863 55,889 87,921 25,685 6,817 276,640 
Current period gross charge-offs552 278 542 689 839 721 343 1,399 5,363 
Term Loans Amortized Cost Basis by Origination Year
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
December 31, 2025
Commercial and industrial$664,836 $267,767 $189,777 $250,976 $129,199 $102,743 $1,188,474 $24,554 $2,818,326 
Pass648,151 262,528 185,033 244,440 127,075 99,108 1,122,605 21,189 2,710,129 
Special mention15,095 2,348 802 608 424 1,869 28,499 — 49,645 
Classified1,590 2,891 3,942 5,928 1,700 1,766 37,370 3,365 58,552 
Current period gross charge-offs5 1,519 3,681 4,268 5,223 3,676 1,155 — 19,527 
Construction and land development$891,047 $450,335 $235,317 $92,070 $22,381 $9,220 $61,638 $1,505 $1,763,513 
Residential235,859 34,917 — — — — 8,288 — 279,064 
Pass233,826 34,917 — — — — 8,288 — 277,031 
Special mention— — — — — — — — — 
Classified2,033 — — — — — — — 2,033 
Current period gross charge-offs— — 106 242 — — — — 348 
Other$655,188 $415,418 $235,317 $92,070 $22,381 $9,220 $53,350 $1,505 $1,484,449 
Pass644,909 410,878 226,065 88,922 22,381 9,094 53,106 1,505 1,456,860 
Special mention457 3,948 727 — — 107 244 — 5,483 
Classified9,822 592 8,525 3,148 — 19 — — 22,106 
Current period gross charge-offs— — — — — 26 — — 26 
Real Estate - 1-4 Family Mortgage$269,213 $150,538 $137,194 $191,230 $116,779 $71,816 $107,516 $462 $1,044,748 
First lien251,292 142,403 129,819 186,606 114,068 69,209 3,230 — 896,627 
Pass249,929 139,985 128,534 183,517 112,078 66,988 3,230 — 884,261 
Special mention263 226 525 216 530 76 — — 1,836 
Classified1,100 2,192 760 2,873 1,460 2,145 — — 10,530 
Current period gross charge-offs— — 34 149 64 78 — — 325 
Junior lien$15,567 $7,330 $6,502 $3,854 $1,966 $2,348 $405 $— $37,972 
Pass14,819 6,978 5,915 3,734 1,909 1,740 405 — 35,500 
Special mention514 132 — — — — — — 646 
Classified234 220 587 120 57 608 — — 1,826 
Current period gross charge-offs— — 11 142 — 278 — — 431 
Home equity$2,354 $805 $873 $770 $745 $259 $103,881 $462 $110,149 
Pass2,354 805 873 267 745 259 103,497 411 109,211 
Special mention— — — — — — — — — 
Classified— — — 503 — — 384 51 938 
Current period gross charge-offs— — — — 92 93 — — 185 
24
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Commercial real estate - owner occupied$501,919 $602,513 $453,290 $541,607 $465,069 $558,280 $211,986 $— $3,334,664 
Pass497,708 586,917 438,247 520,128 447,885 527,129 210,685 — 3,228,699 
Special mention3,807 6,263 3,993 15,360 2,971 13,295 — — 45,689 
Classified404 9,333 11,050 6,119 14,213 17,856 1,301 — 60,276 
Current period gross charge-offs— — 177 — — 1,339 4,201 — 5,717 
Commercial real estate - non owner occupied$1,696,446 $753,232 $597,999 $1,748,638 $676,417 $657,353 $113,358 $2,037 $6,245,480 
Multi family394,699 71,999 123,963 548,165 135,587 115,521 2,845 — 1,392,779 
Pass360,750 69,068 123,477 548,165 135,587 114,726 2,845 — 1,354,618 
Special mention33,062 2,918 — — — — — — 35,980 
Classified887 13 486 — — 795 — — 2,181 
Current period gross charge-offs— — — — — — — — — 
Other$1,301,747 $681,233 $474,036 $1,200,473 $540,830 $541,832 $110,513 $2,037 $4,852,701 
Pass1,286,217 657,184 470,862 1,118,903 525,177 482,460 108,900 — 4,649,703 
Special mention— 4,741 2,249 37,841 9,328 7,852 138 — 62,149 
Classified15,530 19,308 925 43,729 6,325 51,520 1,475 2,037 140,849 
Current period gross charge-offs— — — — — 160 — — 160 
Consumer$— $— $2 $— $— $— $— $— $2 
Pass— — 2 — — — — — 2 
Special mention— — — — — — — — — 
Classified— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Total loans subject to risk rating$4,023,461 $2,224,385 $1,613,579 $2,824,521 $1,409,845 $1,399,412 $1,682,972 $28,558 $15,206,733 
Pass3,938,663 2,169,260 1,579,008 2,708,076 1,372,837 1,301,504 1,613,561 23,105 14,706,014 
Special mention53,198 20,576 8,296 54,025 13,253 23,199 28,881 — 201,428 
Classified31,600 34,549 26,275 62,420 23,755 74,709 40,530 5,453 299,291 
Current period gross charge-offs5 1,519 4,009 4,801 5,379 5,650 5,356 — 26,719 
The following tables present the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented:
Term Loans Amortized Cost Basis by Origination Year
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
June 30, 2026
Commercial and industrial$15,711 $— $— $— $— $— $— $— $15,711 
Performing Loans15,711 — — — — — — — 15,711 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Construction and land development$23,006 $57,584 $14,925 $5,129 $4,475 $11,241 $516 $1,233 $118,109 
Residential20,435 49,628 12,586 — 330 1,842 375 1,233 86,429 
Performing Loans20,435 49,625 12,586 — 330 1,842 375 1,233 86,426 
Non-Performing Loans— 3 — — — — — — 3 
25
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Current period gross charge-offs— — — — — — — — — 
Other$2,571 $7,956 $2,339 $5,129 $4,145 $9,399 $141 $— $31,680 
Performing Loans2,571 7,910 2,339 5,100 3,845 9,399 141 — 31,305 
Non-Performing Loans— 46 — 29 300 — — — 375 
Current period gross charge-offs— — — — — 1 — — 1 
Real Estate - 1-4 Family Mortgage$121,697 $320,029 $208,793 $332,131 $758,080 $1,165,804 $598,004 $16,669 $3,521,207 
First lien120,744 318,570 204,843 330,139 754,953 1,159,900 28 — 2,889,177 
Performing Loans120,744 317,368 203,550 323,720 734,111 1,132,525 28 — 2,832,046 
Non-Performing Loans— 1,202 1,293 6,419 20,842 27,375 — — 57,131 
Current period gross charge-offs— — 47 164 117 56 — — 384 
Junior lien$953 $1,459 $3,835 $1,631 $2,422 $3,945 $49 $— $14,294 
Performing Loans953 1,459 3,825 1,631 2,422 3,628 49 — 13,967 
Non-Performing Loans— — 10 — — 317 — — 327 
Current period gross charge-offs— — — — — 11 — — 11 
Home equity$— $— $115 $361 $705 $1,959 $597,927 $16,669 $617,736 
Performing Loans— — 115 182 705 1,821 597,690 15,067 615,580 
Non-Performing Loans— — — 179 — 138 237 1,602 2,156 
Current period gross charge-offs— — — — — 21 — 178 199 
Commercial real estate - owner occupied$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Commercial real estate - non owner occupied$— $— $— $— $— $— $— $— $— 
Multi family— — — — — — — — — 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Other$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Consumer$24,976 $21,428 $9,228 $5,948 $4,337 $11,751 $21,405 $99 $99,172 
Performing Loans24,976 21,398 9,228 5,932 4,315 11,635 21,405 99 98,988 
Non-Performing Loans— 30 — 16 22 116 — — 184 
Current period gross charge-offs— 194 21 44 7 175 37 171 649 
Total loans not subject to risk rating$185,390 $399,041 $232,946 $343,208 $766,892 $1,188,796 $619,925 $18,001 $3,754,199 
Performing Loans185,390 397,760 231,643 336,565 745,728 1,160,850 619,688 16,399 3,694,023 
Non-Performing Loans— 1,281 1,303 6,643 21,164 27,946 237 1,602 60,176 
26
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Current period gross charge-offs— 194 68 208 124 264 37 349 1,244 
Term Loans Amortized Cost Basis by Origination Year
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
December 31, 2025
Commercial and industrial$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Construction and land development$66,151 $33,823 $20,283 $6,156 $10,321 $3,943 $507 $939 $142,123 
Residential54,380 30,881 13,955 1,265 1,914 — 375 939 103,709 
Performing Loans54,380 30,881 13,955 1,265 1,914 — 375 939 103,709 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Other$11,771 $2,942 $6,328 $4,891 $8,407 $3,943 $132 $— $38,414 
Performing Loans11,771 2,921 6,247 4,744 8,403 3,932 132 — 38,150 
Non-Performing Loans— 21 81 147 4 11 — — 264 
Current period gross charge-offs— — — — — — — — — 
Real Estate - 1-4 Family Mortgage$333,353 $213,474 $345,975 $805,063 $534,744 $733,503 $609,124 $15,049 $3,590,285 
First lien331,496 209,270 343,867 801,481 533,558 727,798 — — 2,947,470 
Performing Loans329,942 207,890 335,040 783,952 528,690 705,399 — — 2,890,913 
Non-Performing Loans1,554 1,380 8,827 17,529 4,868 22,399 — — 56,557 
Current period gross charge-offs— 74 28 58 — 69 — — 229 
Junior lien$1,857 $4,088 $1,745 $2,868 $968 $3,445 $— $— $14,971 
Performing Loans1,857 4,081 1,689 2,868 968 3,050 — — 14,513 
Non-Performing Loans— 7 56 — — 395 — — 458 
Current period gross charge-offs— 53 — — — 7 — — 60 
Home equity$— $116 $363 $714 $218 $2,260 $609,124 $15,049 $627,844 
Performing Loans— 116 184 714 218 1,960 608,808 13,334 625,334 
Non-Performing Loans— — 179 — — 300 316 1,715 2,510 
Current period gross charge-offs— — — — 148 79 — — 227 
Commercial real estate - owner occupied$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Commercial real estate - non owner occupied$— $— $— $— $— $— $— $— $— 
Multi family— — — — — — — — — 
Performing Loans— — — — — — — — — 
27
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Other$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Consumer$40,081 $15,374 $9,009 $6,276 $3,636 $11,482 $21,877 $163 $107,898 
Performing Loans40,079 15,371 9,006 6,238 3,636 11,376 21,874 163 107,743 
Non-Performing Loans2 3 3 38 — 106 3 — 155 
Current period gross charge-offs53 214 159 74 50 955 19 — 1,524 
Total loans not subject to risk rating$439,585 $262,671 $375,267 $817,495 $548,701 $748,928 $631,508 $16,151 $3,840,306 
Performing Loans438,029 261,260 366,121 799,781 543,829 725,717 631,189 14,436 3,780,362 
Non-Performing Loans1,556 1,411 9,146 17,714 4,872 23,211 319 1,715 59,944 
Current period gross charge-offs53 341 187 132 198 1,110 19 — 2,040 

28
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Note 5 – Allowance for Credit Losses
(In Thousands)
Allowance for Credit Losses on Loans
As of June 30, 2026 and December 31, 2025, the Company had accrued interest receivable for loans of $67,986 and $54,395, respectively, which is recorded in the “Other assets” line item on the Consolidated Balance Sheets.
The following tables provide a roll-forward of the allowance for credit losses by loan category and nonaccrual loans with no allowance for credit losses for the periods presented:
Commercial and industrialConstruction and land developmentReal Estate -
1-4 Family
Mortgage		Commercial real estate - owner occupiedCommercial real estate - non owner occupied
Consumer
Total
Three Months Ended June 30, 2026
Allowance for credit losses:
Beginning balance$65,814 $36,969 $66,653 $37,441 $84,380 $4,605 $295,862 
Initial allowance for credit losses on loans acquired during the period
1,750 — — — — — 1,750 
Charge-offs(2,223)— (402)(227)(176)(319)(3,347)
Recoveries382 2 133 7 18 35 577 
Net (charge-offs) recoveries(1,841)2 (269)(220)(158)(284)(2,770)
Provision for (recovery of) credit losses on loans1,634 2,914 453 (1,274)(2,463)(98)1,166 
Ending balance$67,357 $39,885 $66,837 $35,947 $81,759 $4,223 $296,008 
Six Months Ended June 30, 2026
Allowance for credit losses:
Beginning balance$57,831 $31,359 $61,249 $38,961 $99,605 $4,950 $293,955 
Initial allowance for credit losses on loans acquired during the period
1,750 — — — — — 1,750 
Charge-offs(3,293)(1)(927)(1,363)(374)(649)(6,607)
Recoveries532 2 159 683 81 63 1,520 
Net (charge-offs) recoveries(2,761)1 (768)(680)(293)(586)(5,087)
Provision for (recovery of) credit losses on loans10,537 8,525 6,356 (2,334)(17,553)(141)5,390 
Ending balance$67,357 $39,885 $66,837 $35,947 $81,759 $4,223 $296,008 
Nonaccruing loans with no allowance for credit losses$22,859 $4,032 $2,312 $4,446 $28,062 $— $61,711 
29
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Commercial and industrialConstruction and land developmentReal Estate -
1-4 Family
Mortgage		Commercial real estate - owner occupiedCommercial real estate - non owner occupied
Consumer
Total
Three Months Ended June 30, 2025
Allowance for credit losses:
Beginning balance$41,884 $20,845 $48,101 $17,826 $68,781 $6,494 $203,931 
Initial impact of purchased credit deteriorated loans acquired during the period7,140 2,185 203 4,059 9,904 2 23,493 
Charge-offs(8,217)(105)(319)— (3,944)(394)(12,979)
Recoveries631 — 37 56 60 141 925 
Net (charge-offs) recoveries (7,586)(105)(282)56 (3,884)(253)(12,054)
Provision for (recovery of) credit losses on loans19,972 7,369 13,150 9,186 25,866 (143)75,400 
Ending balance$61,410 $30,294 $61,172 $31,127 $100,667 $6,100 $290,770 
Six Months Ended June 30, 2025
Allowance for credit losses:
Beginning balance$41,864 $19,200 $45,498 $16,993 $71,664 $6,537 $201,756 
Initial impact of purchased credit deteriorated loans acquired during the period7,140 2,185 203 4,059 9,904 2 23,493 
Charge-offs(8,310)(106)(628)— (4,405)(659)(14,108)
Recoveries1,597 1 70 58 64 389 2,179 
Net (charge-offs) recoveries(6,713)(105)(558)58 (4,341)(270)(11,929)
Provision for (recovery of) credit losses on loans19,119 9,014 16,029 10,017 23,440 (169)77,450 
Ending balance$61,410 $30,294 $61,172 $31,127 $100,667 $6,100 $290,770 
Nonaccruing loans with no allowance for credit losses$899 $2,331 $4,275 $4,700 $9,663 $— $21,868 
 The Company recorded a provision for credit losses on loans of $1,166 and an initial provision of $1,750 for credit losses on loans associated with the portfolio acquisition during the second quarter of 2026, as compared to a provision for credit losses on loans of $75,400 recorded in the second quarter of 2025, which included the Day 1 provision associated with the merger with The First. The allowance for credit losses in the second quarter of 2026 remained adequate and relatively stable as compared to the prior quarter’s ACL balance. The increase attributable to loan growth, including both acquisition-related and organic growth, as well as changes in qualitative factors, was moderated by improvements in asset credit quality and the resolution of non-performing loans (individually reviewed loans). The Company’s allowance for credit losses model considers current economic conditions, economic projections, primarily the national unemployment rate and GDP, over a reasonable and supportable period of two years, historical loss data, and environmental factors. The allowance for credit losses under CECL is calculated utilizing the probability of default/loss given default approach for most commercial mortgage related pools, while the average historical life-of-loan loss rate cohort approach is used for the remaining pools.
Collateral Dependent Loans
The following tables present collateral dependent loans by loan portfolio segment and by type of collateral along with the
related allowance for credit losses:
30
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Collateral Type
June 30, 2026Real EstateOtherTotalAllowance for Credit Losses
Commercial and industrial$— $46,939 $46,939 $9,302 
Construction and land development
Residential1,937 — 1,937 — 
Other2,095 — 2,095 — 
Total construction and land development4,032 — 4,032 — 
Real estate - 1-4 family mortgage
First lien2,312 — 2,312 — 
Junior lien— — — — 
Home equity500 — 500 — 
Total real estate – 1-4 family mortgage2,812 — 2,812 — 
Commercial real estate - owner occupied12,665 — 12,665 3,116 
Commercial real estate - non-owner occupied
Multi family— — — — 
Other42,411 — 42,411 5,745 
Total commercial real estate - non-owner occupied42,411 — 42,411 5,745 
Consumer— — — — 
Loans, net of unearned income$61,920 $46,939 $108,859 $18,163 
Collateral Type
December 31, 2025Real EstateOtherTotalAllowance for Credit Losses
Commercial and industrial$— $46,860 $46,860 $4,502 
Construction and land development
Residential2,033 — 2,033 — 
Other10,575 — 10,575 1,887 
Total construction and land development12,608 — 12,608 1,887 
Real estate - 1-4 family mortgage
First lien3,263 — 3,263 116 
Junior lien— — — — 
Home equity500 — 500 — 
Total real estate – 1-4 family mortgage3,763 — 3,763 116 
Commercial real estate - owner occupied21,165 — 21,165 3,661 
Commercial real estate - non-owner occupied
Multi family— — — — 
Other48,049 — 48,049 10,999 
Total commercial real estate - non-owner occupied48,049 — 48,049 10,999 
Consumer— 270 270 270 
Loans, net of unearned income$85,585 $47,130 $132,715 $21,435 
The decrease in collateral dependent loans and the allowance with respect thereto since December 31, 2025 is primarily due to a decrease in the number of loans requiring individual evaluation in the Construction and Land Development and Commercial Real Estate - Owner Occupied segments.
31
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Allowance for Credit Losses on Unfunded Loan Commitments
The following table provides a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented.
Three months ended June 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$33,683 $17,643 
Provision for credit losses on unfunded loan commitments2,633 5,922 
Ending balance$36,316 $23,565 
Six Months Ended June 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$29,827 $14,943 
Provision for credit losses on unfunded loan commitments6,489 8,622 
Ending balance$36,316 $23,565 
The provision for credit losses on unfunded commitments in the second quarter of 2026 was primarily driven by growth in the balance of unfunded loan commitments in the commercial and industrial pool and the construction and land development pool.
Note 6 – Goodwill and Other Intangible Assets
(In Thousands)
The carrying amounts of goodwill by operating segments for the six months ended June 30, 2026 are set forth in the table below.
Community BanksTotal
Balance at January 1, 2026$1,405,840 $1,405,840 
Acquisition of factoring business10,871 $10,871 
Other827 827 
Balance at June 30, 2026$1,417,538 $1,417,538 
The following table provides a summary of finite-lived intangible assets as of the dates presented:
Gross Carrying
Amount		Accumulated
Amortization		Net Carrying
Amount
June 30, 2026
Core deposit intangible$242,102 $(113,716)$128,386 
Customer relationship intangible13,870 (5,934)7,936 
Contract-based intangible1,800 (100)1,700 
Total finite-lived intangible assets$257,772 $(119,750)$138,022 
December 31, 2025
Core deposit intangible$242,102 $(97,936)$144,166 
Customer relationship intangible7,670 (5,224)2,446 
Total finite-lived intangible assets$249,772 $(103,160)$146,612 

32
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Amortization expense for finite-lived intangible assets is presented in the table below.
Three Months EndedSix Months Ended
June 30,June 30,
2026202520262025
Amortization expense for:
  Core deposit intangible$7,786 $8,622 $15,780 $9,440 
  Customer relationship intangible484 262 710 524 
  Contract-based intangible100 — 100 — 
Total intangible amortization$8,370 $8,884 $16,590 $9,964 
The estimated amortization expense of finite-lived intangible assets for the five succeeding fiscal years is summarized as follows:
Core Deposit IntangibleCustomer Relationship IntangibleContract-Based IntangibleTotal
2026 (July-December)$14,952 $1,183 $300 $16,435 
202727,441 2,030 600 30,071 
202823,337 1,664 600 25,601 
202918,335 1,290 200 19,825 
203015,169 883 — 16,052 
Thereafter29,152 886 — 30,038 
Total$128,386 $7,936 $1,700 $138,022 

Note 7 – Mortgage Servicing Rights
(In Thousands)
There was no valuation adjustment on mortgage servicing rights (“MSRs”) during the three or six months ended June 30, 2026 or 2025.
Changes in the Company’s MSRs were as follows:
20262025
Balance at January 1$65,271 $72,991 
Sale of MSRs— (7,886)
Additions4,878 4,021 
Amortization(4,333)(4,587)
Balance at June 30
$65,816 $64,539 

33
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Data and key economic assumptions related to the Company’s MSRs are as follows as of the dates presented:
June 30, 2026December 31, 2025
Unpaid principal balance$5,659,879 $5,648,033 
Weighted-average prepayment speed (CPR)9.43 %10.90 %
Estimated impact of a 10% increase$(2,954)$(2,953)
Estimated impact of a 20% increase(5,715)(5,719)
Discount rate9.87 %9.85 %
Estimated impact of a 10% increase$(3,675)$(3,199)
Estimated impact of a 20% increase(7,067)(6,195)
Weighted-average coupon interest rate4.66 %4.59 %
Weighted-average servicing fee (basis points)33.74 33.86 
Weighted-average remaining maturity (in years)7.46.8
The movement of mortgage interest rates has an inverse relationship with prepayment speeds and discount rates.
The Company recorded servicing fees of $3,071 and $3,001 for the three months ended June 30, 2026 and 2025, respectively, and $6,360 and $6,656 for the six months ended June 30, 2026 and 2025, respectively, all of which are included in “Mortgage banking income” in the Consolidated Statements of Income.
Note 8 - Employee Benefit and Deferred Compensation Plans
(In Thousands, Except Share Data)
Incentive Compensation Plans
The Company maintains the 2020 Long-Term Incentive Compensation Plan, a long-term equity compensation plan that provides for the award of restricted stock and the grant of stock options. The Company awards performance-based restricted stock to executives and other officers and employees and time-based restricted stock to non-employee directors, executives, and other officers and employees. In addition, The First maintained a long-term equity compensation plan, and the restricted stock awarded as of the date of the Company’s acquisition of The First was converted into restricted stock of the Company, subject to the same terms and conditions as prior to the merger.
The following table summarizes the changes in restricted stock as of and for the six months ended June 30, 2026:

Performance-Based Restricted StockWeighted Average Grant-Date Fair ValueTime-Based Restricted StockWeighted Average Grant-Date Fair Value
Nonvested at beginning of period195,347 $34.54 1,208,193 $34.48 
Awarded75,773 35.75 340,523 37.12 
Vested— — (413,394)34.57 
Cancelled— — (27,410)35.97 
Nonvested at end of period271,120 $34.88 1,107,912 $35.22 
Unrecognized stock-based compensation expense related to restricted stock totaled $24,035 at June 30, 2026. As of such date, the weighted average period over which the unrecognized expense is expected to be recognized was approximately two years.
During the six months ended June 30, 2026, the Company reissued 216,712 shares from treasury in connection with awards of restricted stock. The Company recorded total stock-based compensation expense of $4,384 and $4,304 for the three months ended June 30, 2026 and 2025, respectively, and $9,858 and $8,084 for the six months ended June 30, 2026 and 2025, respectively.
34
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
There were no stock options granted or outstanding, and no compensation expense associated with options recorded, during the six months ended June 30, 2026 or 2025.
Note 9 – Derivative Instruments
(In Thousands)
The Company uses certain derivative instruments to meet the needs of customers as well as to manage the interest rate risk associated with certain transactions.
Non-hedge derivatives
The Company enters into derivative instruments that are not designated as hedging instruments to help its commercial customers manage their exposure to interest rate fluctuations (which are included within the “interest rate contracts” line items in the tables below). To mitigate the interest rate risk associated with these customer contracts, the Company enters into an offsetting derivative contract position. The Company manages its credit risk, or potential risk of default by its commercial customers, through credit limit approval and monitoring procedures.
The Company enters into interest rate lock commitments with its customers to mitigate the interest rate risk associated with the commitments to fund fixed-rate and adjustable-rate residential mortgage loans. The Company also enters into forward commitments to sell residential mortgage loans to secondary market investors.
The following table provides a summary of the Company’s derivatives not designated as hedging instruments as of the dates presented:
Balance SheetJune 30, 2026December 31, 2025
LocationNotional AmountFair ValueNotional AmountFair Value
Derivative assets:
  Interest rate contractsOther Assets$1,804,473 $20,504 $1,784,028 $28,590 
  Interest rate lock commitmentsOther Assets119,473 1,941 92,881 1,419 
Forward commitmentsOther Assets124,000 405 33,000 53 
Totals$2,047,946 $22,850 $1,909,909 $30,062 
Derivative liabilities:
  Interest rate contractsOther Liabilities$1,804,473 $20,504 $1,784,028 $28,595 
Interest rate lock commitmentsOther Liabilities3,772 6 5,904 14 
  Forward commitmentsOther Liabilities100,000 312 196,000 593 
Totals$1,908,245 $20,822 $1,985,932 $29,202 
Gains and losses included in the Consolidated Statements of Income related to the Company’s derivative financial instruments were as follows as of the dates presented:
Three Months Ended June 30,Six Months Ended June 30,
2026202520262025
Interest rate lock commitments:
Included in mortgage banking income453 525 530 1,973 
Forward commitments:
Included in mortgage banking income(1,716)(2,033)633 (4,552)
Total$(1,263)$(1,508)$1,163 $(2,579)
Derivatives designated as cash flow hedges
Cash flow hedge relationships mitigate exposure to the variability of future cash flows or other forecasted transactions. The Company uses both interest rate swap contracts and interest rate collars in an effort to manage future interest rate exposure on borrowings and loans. The swap hedging strategy converts the variable interest rate on the forecasted borrowings to a fixed
35
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
interest rate. The collar hedging strategy limits the benefit to interest income when rates exceed the cap but protects interest income from interest rate fluctuations below the floor strike rate.
The following table provides a summary of the Company’s derivatives designated as cash flow hedges as of the dates presented:
Balance SheetJune 30, 2026December 31, 2025
LocationNotional AmountFair ValueNotional AmountFair Value
Derivative assets:
  Interest rate swapsOther Assets$30,000 $768 $130,000 $16,907 
  Interest rate collarsOther Assets— — 450,000 129 
Total$30,000 $768 $580,000 $17,036 
Derivative liabilities:
  Interest rate swapsOther Liabilities$100,000 $53 $— $— 
  Interest rate collarsOther Liabilities450,000 10 — — 
Totals$550,000 $63 $— $— 
The impact on other comprehensive income for the three months ended June 30, 2026 and 2025, is described in Note 12, “Other Comprehensive Income (Loss).” The impact on earnings is reflected in interest income on loans and interest expense on borrowings in the Consolidated Statements of Income.
Changes in fair value of cash flow hedges are, to the extent that the hedging relationship is effective, recorded as other comprehensive income and are subsequently recognized in earnings at the same time that the hedged item is recognized in earnings. The impact on other comprehensive income for the six months ended June 30, 2026 and 2025 is set forth in Note 12, “Other Comprehensive Income (Loss).”
Derivatives designated as fair value hedges
The Company enters into interest rate swap agreements to manage the fair value exposure on certain of the Company’s fixed-rate subordinated notes and fixed-rate available-for-sale securities. The agreements convert a fixed rate of interest to a variable rate of interest based on SOFR by using “pay-variable, receive-fixed” or “pay-fixed, receive-variable” interest rate swaps for the subordinated notes and available-for-sale securities hedges, respectively. The Company expects the hedges to remain effective during the remaining terms of the swaps which run through September 2031.
The following table provides a summary of the Company’s derivatives designated as fair value hedges as of the dates presented:
Balance SheetJune 30, 2026December 31, 2025
LocationNotional AmountFair ValueNotional AmountFair Value
Derivative assets:
  Interest rate swaps - subordinated notesOther Assets$100,000 $899 $— $— 
  Interest rate swaps - securitiesOther Assets10,635 104 — — 
Totals$110,635 $1,003 $— $— 
Derivative liabilities:
  Interest rate swaps - subordinated notesOther Liabilities$— $— $100,000 $12,280 
  Interest rate swaps - securitiesOther Liabilities36,495 132 3,430 2 
Totals$36,495 $132 $103,430 $12,282 

36
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
The following table presents the effects of the Company’s fair value hedge relationships on the Consolidated Statements of Income for the periods presented:
Amount of Gain (Loss) Recognized in Income
Income StatementThree Months Ended June 30,Six Months Ended June 30,
Location2026202520262025
Derivative liabilities:
  Interest rate swaps - subordinated notesInterest Expense$431 $1,691 $404 $3,929 
Interest rate swaps - securitiesInterest Income467 — 510 — 
Derivative liabilities - hedged items:
  Interest rate swaps - subordinated notesInterest Expense$(431)$(1,691)$(404)$(3,928)
Interest rate swaps - securitiesInterest Income(467)— (510)— 
The following table presents the amounts that were recorded in the Consolidated Balance Sheets related to cumulative basis adjustments for fair value hedges as of the dates presented:
Carrying Amount of the Hedged ItemCumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Item
Balance Sheet LocationJune 30, 2026December 31, 2025June 30, 2026December 31, 2025
Long-term debt$86,594 $86,911 $12,684 $12,280 
Securities available for sale41,280 17,780 516 6 
Credit Derivatives
The Company has both bought and sold credit protection in the form of risk participation agreements. These risk participations, which meet the definition of credit derivatives, were entered into in the ordinary course of business to help the Company’s commercial customers manage their exposure to interest rate fluctuations. Risk participations for which credit protection has been purchased entitle the Company to receive a payment from the counterparty if the customer fails to make payment on any amounts due to the Company upon early termination of the swap transaction. The risk participation agreements bought by the Company have a notional amount of $68,368 and maturities between 2028 and 2032. For contracts where the Company sold credit protection, it would be required to make payment to the counterparty if the customer fails to make payment on any amounts due to the counterparty upon early termination of the swap transaction. The Company’s sold risk participation agreements have a notional amount of $251,499 and maturities between 2026 and 2032.
The maximum potential amount of future payments under these risk participation agreements as of June 30, 2026 was approximately $1,118. This scenario would occur if variable interest rates were at zero percent and all counterparties defaulted with zero recovery. The fair value of risk participation agreements at June 30, 2026 and 2025 was immaterial.
Offsetting
Certain financial instruments, including derivatives, may be eligible for offset in the consolidated balance sheet when a “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements; however, the Company has not elected to offset such financial instruments in the Consolidated Balance Sheets. Initial margin and variation margin for derivatives transacted over the counter is accounted for as collateral. When the Company posts cash for margin, it is recognized as a receivable. When margin is posted or received in the form of securities, there is no accounting recognition for the pledge of securities, unless there is an event of default by one of the parties to the agreement. For centrally cleared derivatives, variation margin is accounted for as settlement of the derivative’s fair value. The following table presents the Company’s gross derivative positions as recognized in the Consolidated Balance Sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement as of the dates presented:

37
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Offsetting Derivative AssetsOffsetting Derivative Liabilities
June 30,
2026		December 31, 2025June 30,
2026		December 31, 2025
Gross amounts recognized$12,865 $21,867 $11,193 $17,650 
Gross amounts offset in the Consolidated Balance Sheets— — — — 
Net amounts presented in the Consolidated Balance Sheets12,865 21,867 11,193 17,650 
Gross amounts not offset in the Consolidated Balance Sheets
Financial instruments - derivative assets available for offset11,165 17,110 11,165 17,110 
Financial collateral (cash) pledged— — — 20 
Net amounts$1,700 $4,757 $28 $520 

Note 10 – Income Taxes
The effective tax rate was 20.0% and 22.1% for the six months ended June 30, 2026 and 2025, respectively. The Company calculated the provision for income taxes by applying the estimated annual effective tax rate to year-to-date pre-tax income, and adjusting for discrete items that occurred during the period. The decrease in the effective tax rate was caused primarily by the Company’s continued investments in tax credits.
Note 11 – Fair Value Measurements
(In Thousands)
Fair Value Measurements and the Fair Value Hierarchy
Accounting Standards Codification (“ASC”) 820, “Fair Value Measurements and Disclosures,” provides guidance for using fair value to measure assets and liabilities and establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to a valuation based on quoted prices in active markets for identical assets and liabilities (Level 1), next priority to a valuation based on quoted prices in active markets for similar assets and liabilities and/or based on assumptions that are observable in the market (Level 2), and the lowest priority to a valuation based on assumptions that are not observable in the market (Level 3).
Recurring Fair Value Measurements
The Company carries certain assets and liabilities at fair value on a recurring basis in accordance with applicable standards. The Company’s recurring fair value measurements are based on the requirement to carry such assets and liabilities at fair value or the Company’s election to carry certain eligible assets at fair value. Assets and liabilities that are required to be carried at fair value on a recurring basis include securities available for sale and derivative instruments. The Company has elected to carry mortgage loans held for sale at fair value on a recurring basis as permitted under the guidance in ASC 825, “Financial Instruments” (“ASC 825”).
The following methods and assumptions are used by the Company to estimate the fair values of the Company’s financial assets and liabilities that are measured on a recurring basis:
Securities available for sale: Securities available for sale consist primarily of debt securities, such as obligations of U.S. Government agencies and corporations, obligations of states and political subdivisions and mortgage-backed securities. Where quoted market prices in active markets are available, securities are classified within Level 1 of the fair value hierarchy. If quoted prices from active markets are not available, fair values are based on quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active, or model-based valuation techniques where all significant assumptions are observable in the market. Such instruments are classified within Level 2 of the fair value hierarchy. All Level 2 securities, including obligations of state and political subdivisions, mortgage-backed securities and other debt securities are valued using model-based valuation techniques where all significant assumptions are observable. When assumptions used in model-based valuation techniques are not observable in the market, the assumptions used by management reflect estimates of assumptions used by other market participants in determining fair value. When there is limited transparency around the inputs to the valuation, the instruments are classified within Level 3 of the fair value hierarchy.
Derivative instruments: Most of the Company’s derivative contracts are extensively traded in over-the-counter markets and are valued using discounted cash flow models which incorporate observable market-based inputs including current market interest rates, credit spreads, and other factors. Such instruments are categorized within Level 2 of the fair value hierarchy and include
38
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
interest rate swaps, interest rate collars and other interest rate contracts such as risk participations, interest rate caps and/or floors. The Company’s interest rate lock commitments are valued using current market prices for mortgage-backed securities with similar characteristics, adjusted for certain factors including servicing and risk. The value of the Company’s forward commitments is based on current prices for securities backed by similar types of loans. Because these assumptions are observable in active markets, the Company’s interest rate lock commitments and forward commitments are categorized within Level 2 of the fair value hierarchy.
Mortgage loans held for sale in loans held for sale: The Company has elected to carry mortgage loans held for sale at fair value on a recurring basis under the fair value option. Mortgage loans held for sale are loans intended to be sold on the secondary market to investors or other financial institutions. The fair value of these instruments is derived from current market pricing for similar loans, adjusted for differences in loan characteristics, including servicing and risk. Because the valuation is based on external pricing of similar instruments, mortgage loans held for sale are classified within Level 2 of the fair value hierarchy.
Contingent consideration: The Company, from time to time, may acquire a business with a portion of the consideration to be paid to the seller contingent on a future event occurring (for example, based on a certain level of profitability or a certain level of loan growth being achieved by the acquired business). Generally, this type of contingent consideration is classified as a liability. The Company values liability-classified contingent consideration using a discounted scenario-based methodology. Since this methodology is based on unobservable inputs, it is categorized within Level 3 of the fair value hierarchy.
The following tables present assets and liabilities that are measured at fair value on a recurring basis as of the dates presented:
 
Level 1Level 2Level 3Totals
June 30, 2026
Financial assets:
Securities available for sale$— $2,842,424 $— $2,842,424 
Derivative instruments— 24,621 — 24,621 
Mortgage loans held for sale in loans held for sale— 241,588 — 241,588 
Total financial assets$— $3,108,633 $— $3,108,633 
Financial liabilities:
Contingent consideration— — 6,327 6,327 
Derivative instruments:— 21,017 — 21,017 
Total financial liabilities$— $21,017 $6,327 $27,344 

Level 1Level 2Level 3Totals
December 31, 2025
Financial assets:
Securities available for sale$— $2,560,818 $— $2,560,818 
Derivative instruments— 47,098 — 47,098 
Mortgage loans held for sale in loans held for sale— 265,959 — 265,959 
Total financial assets$— $2,873,875 $— $2,873,875 
Financial liabilities:
Derivative instruments$— $41,484 $— $41,484 

The Company reviews fair value hierarchy classifications on a quarterly basis. Changes in the Company’s ability to observe inputs to the valuation may cause reclassification of certain assets or liabilities within the fair value hierarchy. Transfers between levels of the hierarchy are deemed to have occurred at the end of period. There were no such transfers between levels of the fair value hierarchy during the six months ended June 30, 2026.

39
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
The following table presents information as of June 30, 2026 about significant unobservable inputs (Level 3) used in the valuation of liabilities measured at fair value on a recurring basis:
Financial liabilityFair
Value		Valuation TechniqueSignificant
Unobservable Inputs		Inputs
Contingent consideration$6,327 
Discounted scenario-based probability-weighted cash flow
Probability of growth scenarios in factoring business
2% - 51% (range)
43% (weighted average)
For the six months ended June 30, 2026 and 2025, respectively, there were no gains or losses included in earnings that were attributable to the change in unrealized gains or losses related to assets or liabilities held at the end of each respective period that were measured on a recurring basis using significant unobservable inputs. The weighted average for the contingent consideration was calculated using a weighting based on relative fair value.
Uncertainty of Fair Value Measurements from Unobservable Inputs
A significant contraction of factoring relationships resulting from the factoring business acquired from REV Capital may cause a significant decrease in contingent consideration. A significant increase in the factoring relationships would not have a meaningful impact to the contingent consideration payable to REV Capital.
Nonrecurring Fair Value Measurements
Certain assets and liabilities may be recorded at fair value on a nonrecurring basis. These nonrecurring fair value adjustments typically are a result of the application of the lower of cost or market accounting or a write-down occurring during the period. The following tables provide the fair value measurement for assets measured at fair value on a nonrecurring basis that were still held on the Consolidated Balance Sheets as of the dates presented and the level within the fair value hierarchy each is classified:
 
June 30, 2026Level 1Level 2Level 3Totals
Collateral dependent loans$— $— $26,712 $26,712 
OREO— — 702 702 
Total$— $— $27,414 $27,414 
 
December 31, 2025Level 1Level 2Level 3Totals
Collateral dependent loans$— $— $87,680 $87,680 
OREO— — $3,538 3,538 
Total$— $— $91,218 $91,218 

The following methods and assumptions are used by the Company to estimate the fair values of the Company’s financial assets measured on a nonrecurring basis:
Collateral dependent loans: Loans that do not share similar risk characteristics such that they can be evaluated on a collective (pool) basis are individually evaluated for credit losses each quarter taking into account the fair value of the collateral less estimated selling costs. Collateral may be real estate and/or business assets such as equipment, inventory and accounts receivable. The fair value of real estate is determined based on appraisals by qualified licensed appraisers. The fair value of the business assets is generally based on qualified independent valuations. For smaller business assets, they are typically valued based on internal valuations or based on valuations in the business’s financial statements. Appraised and reported values may be adjusted based on changes in market conditions from the time of valuation and management’s knowledge of the client and the client’s business. Since not all valuation inputs are observable, these nonrecurring fair value determinations are classified as Level 3.
Other real estate owned: OREO is comprised of commercial and residential real estate obtained in partial or total satisfaction of loan obligations. OREO acquired in settlement of indebtedness is recorded at the fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Fair value, when recorded, is determined based on appraisals by qualified licensed appraisers and adjusted for management’s estimates of costs to sell. Accordingly, values for OREO are classified as Level 3.
40
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
The following table presents, as of the dates presented, OREO measured at fair value on a nonrecurring basis that was still held on the Consolidated Balance Sheets at period-end:
June 30,
2026		December 31, 2025
Carrying amount prior to remeasurement$921 $4,182 
Impairment recognized in results of operations(219)(644)
Fair value$702 $3,538 
Mortgage servicing rights: Mortgage servicing rights are carried at the lower of amortized cost or fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. Because these factors are not all observable and include management’s assumptions, mortgage servicing rights are classified within Level 3 of the fair value hierarchy. Mortgage servicing rights were carried at amortized cost at June 30, 2026 and December 31, 2025. There were no valuation adjustments on MSRs during the six months ended June 30, 2026 or 2025.
The following table presents information as of June 30, 2026 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis:
Financial instrumentFair
Value		Valuation TechniqueSignificant
Unobservable Inputs		Inputs
Collateral dependent loans, net of allowance for credit losses$26,712 Appraised value of collateral less estimated costs to sellEstimated costs to sell
10%
OREO$702 Appraised value of property less estimated costs to sellEstimated costs to sell
 10%
Fair Value Option
The Company has elected to measure all mortgage loans held for sale at fair value under the fair value option as permitted under ASC 825. Electing to measure these assets at fair value reduces certain timing differences and better matches the changes in fair value of the loans with changes in the fair value of derivative instruments used to economically hedge them.
A net loss of $1,170 and net gain of $5,209 resulting from fair value changes of these mortgage loans were recorded in income during the six months ended June 30, 2026 and 2025, respectively. These amounts do not reflect changes in fair values of related derivative instruments used to economically hedge exposure to market-related risks associated with these mortgage loans. The change in fair value of both mortgage loans held for sale and the related derivative instruments are recorded in “Mortgage banking income” in the Consolidated Statements of Income.
The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these loans, valuation adjustments attributable to instrument-specific credit risk is nominal. Interest income on mortgage loans held for sale measured at fair value is accrued as it is earned based on contractual rates and is reflected in loan interest income on the Consolidated Statements of Income.
The following table summarizes the differences between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of June 30, 2026 and December 31, 2025:
Aggregate
Fair Value		Aggregate
Unpaid
Principal
Balance		Difference
June 30, 2026
Mortgage loans held for sale measured at fair value$241,588 $237,639 $3,949 
December 31, 2025
Mortgage loans held for sale measured at fair value$265,959 $260,841 $5,118 

41
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Fair Value of Financial Instruments
The carrying amounts and estimated fair values of the Company’s financial instruments, including those assets and liabilities that are not measured and reported at fair value on a recurring basis or nonrecurring basis, were as follows as of the dates presented:
 
Fair Value
As of June 30, 2026Carrying
Value		Level 1Level 2Level 3Total
Financial assets
Cash and cash equivalents$881,203 $881,203 $— $— $881,203 
Securities held to maturity983,032 — 902,853 — 902,853 
Securities available for sale2,842,424 — 2,842,424 — 2,842,424 
Loans held for sale241,588 — 241,588 — 241,588 
Loans, net18,900,164 — — 18,776,911 18,776,911 
Mortgage servicing rights65,816 — — 87,479 87,479 
Derivative instruments24,621 — 24,621 — 24,621 
Financial liabilities
Deposits$21,701,052 $21,690,697 $— $21,690,697 
Short-term borrowings315,225 — 315,225 — 315,225 
Junior subordinated debentures141,185 — 127,686 — 127,686 
Subordinated notes655,284 — 657,165 — 657,165 
Derivative instruments21,017 — 21,017 — 21,017 
Contingent consideration6,327 — — 6,327 6,327 
Fair Value
As of December 31, 2025Carrying
Value		Level 1Level 2Level 3Total
Financial assets
Cash and cash equivalents$1,070,718 $1,070,718 $— $— $1,070,718 
Securities held to maturity1,030,073 — 961,870 — 961,870 
Securities available for sale2,560,818 — 2,560,818 — 2,560,818 
Loans held for sale265,959 — 265,959 — 265,959 
Loans, net18,753,084 — — 18,689,957 18,689,957 
Mortgage servicing rights65,271 — — 80,537 80,537 
Derivative instruments47,098 — 47,098 — 47,098 
Financial liabilities
Deposits$21,473,070 $— $21,465,168 $— $21,465,168 
Short-term borrowings555,774 — 555,774 — 555,774 
Junior subordinated debentures140,632 — 126,976 — 126,976 
Subordinated notes359,124 — 352,616 — 352,616 
Derivative instruments41,484 — 41,484 — 41,484 
42
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Note 12 – Other Comprehensive Income (Loss)
(In Thousands)
Changes in the components of other comprehensive (loss) income were as follows for the periods presented:
Unrealized Holding Gains (Losses) on Available-for-Sale SecuritiesAmortization of unrealized holding losses on securities transferred to held to maturityUnrealized Gains (Losses) on Derivative InstrumentsDefined Benefit Pension and
Post-retirement Benefit Plans		Total
Three months ended June 30, 2026
Beginning balance$(68,409)$(38,482)$13,565 $(6,298)$(99,624)
Other comprehensive (loss) income before reclassification(9,195)2,605 199 74 (6,317)
Amounts reclassified from accumulated other comprehensive income— — 842 — 842 
Tax expense (benefit)2,383 (667)(266)(19)1,431 
Net other comprehensive (loss) income(6,812)1,938 775 55 (4,044)
Ending balance$(75,221)$(36,544)$14,340 $(6,243)$(103,668)
Three months ended June 30, 2025
Beginning balance$(83,919)$(46,780)$16,107 $(7,029)$(121,621)
Other comprehensive income (loss) before reclassification9,040 2,840 (2,775)100 9,205 
Amounts reclassified from accumulated other comprehensive income— — 940 — 940 
Tax (benefit) expense(2,282)(727)470 (26)(2,565)
Net other comprehensive income (loss)6,758 2,113 (1,365)74 7,580 
Ending balance$(77,161)$(44,667)$14,742 $(6,955)$(114,041)
43
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Unrealized Gains (Losses) on Available-for-Sale SecuritiesAmortization of unrealized holding losses on securities transferred to held to maturityUnrealized Gains (Losses) on Derivative InstrumentsDefined Benefit Pension and
Post-retirement Benefit Plans		Total
Six months ended June 30, 2026
Beginning balance$(56,542)$(40,435)$13,598 $(6,353)$(89,732)
Other comprehensive (loss) income before reclassification(25,086)5,230 (686)148 (20,394)
Amounts reclassified from accumulated other comprehensive income— — 1,683 — 1,683 
Tax expense (benefit)6,407 (1,339)(255)(38)4,775 
Net other comprehensive (loss) income(18,679)3,891 742 110 (13,936)
Ending balance$(75,221)$(36,544)$14,340 $(6,243)$(103,668)
Six months ended June 30, 2025
Beginning balance$(103,889)$(49,045)$17,429 $(7,103)$(142,608)
Other comprehensive income (loss) before reclassification35,727 5,884 (5,481)199 36,329 
Amounts reclassified from accumulated other comprehensive income— — 1,869 — 1,869 
Tax (benefit) expense(8,999)(1,506)925 (51)(9,631)
Net other comprehensive income (loss)26,728 4,378 (2,687)148 28,567 
Ending balance$(77,161)$(44,667)$14,742 $(6,955)$(114,041)
The table below presents the reclassifications from accumulated other comprehensive income, net of tax, for the periods presented:
Amount Reclassified from Other Comprehensive Income
Three Months Ended June 30,Six Months Ended June 30,
Accumulated Other Comprehensive Income Component2026202520262025Income Statement Line Item Affected
Gains on derivative instruments$842 $940 $1,683 $1,870 Interest income
Tax benefit(215)(240)(430)(477)Income taxes
Net of tax627 7001,253 1,393 
Total reclassifications for the period, net of tax$627 $700 $1,253 $1,393 
44
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Note 13 – Net Income Per Common Share
(In Thousands, Except Share and Per Share Data)
Basic net income per common share is calculated by dividing net income by the weighted-average number of common shares outstanding for the period. Diluted net income per common share reflects the pro forma dilution of shares outstanding, assuming outstanding service-based restricted stock awards fully vested, calculated in accordance with the treasury method. Basic and diluted net income per common share calculations are as follows for the periods presented:
Three Months Ended
June 30,
20262025
Basic
Net income applicable to common stock$87,091 $1,018 
Average common shares outstanding91,650,415 94,580,927 
Net income per common share - basic$0.95 $0.01 
Diluted
Net income applicable to common stock$87,091 $1,018 
Average common shares outstanding91,650,415 94,580,927 
Effect of dilutive stock-based compensation569,867 555,233 
Average common shares outstanding - diluted92,220,282 95,136,160 
Net income per common share - diluted$0.94 $0.01 
Six Months Ended
June 30,
20262025
Basic
Net income applicable to common stock$175,319 $42,536 
Average common shares outstanding92,666,370 79,209,073 
Net income per common share - basic$1.89 $0.54 
Diluted
Net income applicable to common stock$175,319 $42,536 
Average common shares outstanding92,666,370 79,209,073 
Effect of dilutive stock-based compensation552,980 462,702 
Average common shares outstanding - diluted93,219,350 79,671,775 
Net income per common share - diluted$1.88 $0.53 
Stock-based compensation awards that could potentially dilute basic net income per common share in the future that were not included in the computation of diluted net income per common share due to their anti-dilutive effect were as follows for the periods presented:
Three Months Ended
June 30,
20262025
Number of shares1,000500

Six Months Ended
June 30,
20262025
Number of shares1,0001,400


45
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Note 14 – Segment Reporting
(In Thousands)
The Company has two reportable segments: Community Banks and Wealth Management. The Company’s reportable segments are determined by the Chief Executive Officer, who is the designated chief operating decision maker (“CODM”), based upon information provided about the Company’s products and services. The CODM evaluates the financial performance of the segments by evaluating net income as the primary measure of segment performance, as well as revenue streams, significant expenses and budget to actual results, and the CODM provides guidance in strategy and the allocation of resources.
In order to give the CODM a more precise indication of the income and expenses controlled by each segment, the results of operations for each segment reflect its own direct revenues and expenses. Indirect revenues and expenses, including but not limited to income from the Company’s investment portfolio, as well as certain costs associated with data processing and back office functions, primarily support the operations of the community banks and, therefore, are included in the results of the Community Banks segment. Included in “Other” are the operations of the holding company and other eliminations that are necessary for purposes of reconciling to the consolidated amounts. Accounting policies for each segment are the same as those described in Note 1, “Significant Accounting Policies,” in the Notes to the Consolidated Financial Statements in Item 8, Financial Statements and Supplementary Data, in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025.
The following tables provide financial information for the Company’s operating segments as of and for the periods presented:
Community
Banks		Wealth
Management		Total SegmentsOtherConsolidated
Three months ended June 30, 2026
Total interest income$340,407 $13 $340,420 $20 $340,440 
Total interest expense107,550 — 107,550 10,136 117,686 
Net interest income (loss)$232,857 $13 $232,870 $(10,116)$222,754 
Provision for credit losses3,799 — 3,799 — 3,799 
Noninterest income38,543 10,321 48,864 2,326 51,190 
Salaries and employee benefits89,824 4,990 94,814 1,414 96,228 
Net occupancy and equipment17,684 247 17,931 87 18,018 
Other segment expenses(1)
45,150 1,670 46,820 435 47,255 
Income (loss) before income taxes$114,943 $3,427 $118,370 $(9,726)$108,644 
Income tax expense (benefit)23,705 356 24,061 (2,508)21,553 
Net income (loss)$91,238 $3,071 $94,309 $(7,218)$87,091 
Total assets$26,977,257 $9,467 $26,986,724 $18,275 $27,004,999 
Goodwill1,417,538 — 1,417,538 — 1,417,538 
46
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Community
Banks		Wealth
Management		Total SegmentsOtherConsolidated
Three months ended June 30, 2025
Total interest income$343,875 $— $343,875 $23 $343,898 
Total interest expense116,242 — 116,242 8,797 125,039 
Net interest income (loss)$227,633 $— $227,633 $(8,774)$218,859 
Provision for credit losses81,322 — 81,322 — 81,322 
Noninterest income (loss)41,424 7,406 48,830 (496)48,334 
Salaries and employee benefits95,985 3,557 99,542 — 99,542 
Net occupancy and equipment17,112 214 17,326 33 17,359 
Other segment expenses(2)
65,276 1,123 66,399 (96)66,303 
Income (loss) before income taxes$9,362 $2,512 $11,874 $(9,207)$2,667 
Income tax expense (benefit)3,917 134 4,051 (2,402)1,649 
Net income (loss)$5,445 $2,378 $7,823 $(6,805)$1,018 
Total assets$26,598,942 $6,110 $26,605,052 $19,923 $26,624,975 
Goodwill1,419,782 — 1,419,782 — 1,419,782 
Community
Banks		Wealth
Management		Total SegmentsOtherConsolidated
Six months ended June 30, 2026
Total interest income$678,494 $27 $678,521 $39 $678,560 
Total interest expense214,985 — 214,985 17,262 232,247 
Net interest income (loss)$463,509 $27 $463,536 $(17,223)$446,313 
Provision for credit losses11,879 — 11,879 — 11,879 
Noninterest income (loss)77,646 20,054 97,700 3,762 101,462 
Salaries and employee benefits175,495 9,890 185,385 2,592 187,977 
Net occupancy and equipment35,378 497 35,875 174 36,049 
Other segment expenses(1)
87,898 3,779 91,677 1,126 92,803 
Income (loss) before income taxes$230,505 $5,915 $236,420 $(17,353)$219,067 
Income tax expense (benefit)47,734 470 48,204 (4,456)43,748 
Net income (loss)$182,771 $5,445 $188,216 $(12,897)$175,319 
Total assets$26,977,257 $9,467 $26,986,724 $18,275 $27,004,999 
Goodwill1,417,538 — 1,417,538 — 1,417,538 
Community
Banks		Wealth
Management		Total SegmentsOtherConsolidated
Six months ended June 30, 2025
Total interest income$564,182 $— $564,182 46 $564,228 
Total interest expense195,876 — 195,876 15,296 211,172 
Net interest income (loss)$368,306 $— $368,306 $(15,250)$353,056 
Provision for credit losses86,072 — 86,072 — 86,072 
Noninterest income (loss)70,785 14,881 85,666 (937)84,729 
Salaries and employee benefits164,139 7,360 171,499 — 171,499 
Net occupancy and equipment28,662 418 29,080 33 29,113 
Other segment expenses(2)
93,962 2,104 96,066 402 96,468 
Income (loss) before income taxes$66,256 $4,999 $71,255 $(16,622)$54,633 
Income tax expense (benefit)16,120 237 16,357 (4,260)12,097 
Net income (loss)$50,136 $4,762 $54,898 $(12,362)$42,536 
Total assets$26,598,942 $6,110 $26,605,052 $19,923 $26,624,975 
Goodwill1,419,782 — 1,419,782 — 1,419,782 
47
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
(1)    Other segment expenses for Community Banks include data processing, other real estate owned, legal and professional fees, advertising and public relations, intangible amortization, communications and other miscellaneous expenses. Other segment expenses for Wealth Management include data processing, legal and professional fees, advertising and public relations, intangible amortization, communications and other miscellaneous expenses.
(2)    Other segment expenses for Community Banks include data processing, other real estate owned, legal and professional fees, advertising and public relations, intangible amortization, communications, merger and conversion related expenses and other miscellaneous expenses. Other segment expenses for Wealth Management include data processing, legal and professional fees, advertising and public relations, intangible amortization, communications and other miscellaneous expenses.
48
ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
(In Thousands, Except Share Data)
This Form 10-Q may contain or incorporate by reference statements regarding Renasant Corporation (referred to herein as the “Company”, “Renasant”, “we”, “our”, or “us”) that constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words “believes,” “expects”, “projects,” “anticipates,” “intends,” “estimates,” “plans,” “potential,” “focus,” “possible,” “may increase,” “may fluctuate,” “will likely result,” or similar expressions, or future or conditional verbs such as “will,” “should,” “would” and “could,” are generally forward-looking in nature and not historical facts. Forward-looking statements include information about the Company’s future financial performance, business strategy, projected plans and objectives and are based on the current beliefs and expectations of management. The Company’s management believes these forward-looking statements are reasonable, but they are all inherently subject to significant business, economic and competitive risks and uncertainties, many of which are beyond the Company’s control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Actual results may differ from those indicated or implied in the forward-looking statements, and such differences may be material. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties and, accordingly, investors should not place undue reliance on these forward-looking statements, which speak only as of the date they are made.
Important factors currently known to management that could cause our actual results to differ materially from those in forward-looking statements include the following: (i) our ability to efficiently integrate acquisitions into our operations, retain the customers of these businesses, grow the acquired operations and realize the cost savings expected from an acquisition to the extent and in the timeframe anticipated by management (including the possibility that such cost savings will not be realized when expected, or at all, as a result of the impact of, or challenges arising from, the integration of the acquired assets and assumed liabilities into the Company, potential adverse reactions or changes to business or employee relationships, or as a result of other unexpected factors or events); (ii) potential exposure to unknown or contingent risks and liabilities we have acquired or may acquire; (iii) the effect of economic conditions and interest rates on a national, regional or international basis; (iv) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (v) our ability to remediate the material weakness in the Company’s internal control over financial reporting identified in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring, mortgage lending and auto lending industries; (vii) the financial resources of, and products available from, competitors; (viii) changes in laws and regulations as well as changes in accounting standards; (ix) changes in governmental and regulatory policy, whether applicable specifically to financial institutions or impacting the United States generally (such as, for example, changes in trade policy); (x) changes in the securities and foreign exchange markets; (xi) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (xii) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of our investment securities portfolio; (xiii) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xiv) changes in the sources and costs of the capital we use to make loans and otherwise fund our operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xv) general economic, market or business conditions, including the impact of inflation; (xvi) changes in demand for loan and deposit products and other financial services; (xvii) concentrations of credit or deposit exposure; (xviii) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xix) losses resulting from fraudulent activity, including loan and deposit fraud and social engineering attacks targeting our customers, employees and third party vendors; (xx) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses, including as a result of sophisticated attacks using artificial intelligence (“AI”) and similar tools; (xxi) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxii) geopolitical conditions, including acts or threats of terrorism and actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad; (xxiii) the impact, extent and timing of technological changes, including the rapid development of AI technologies; and (xxiv) other circumstances, many of which are beyond management’s control.
The Company undertakes no obligation, and specifically disclaims any obligation, to update or revise forward-looking statements, whether as a result of new information or to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time, except as required by federal securities laws.

49
Financial Condition
The following discussion provides details regarding the changes in significant balance sheet accounts at June 30, 2026 compared to December 31, 2025.
Assets
AssetsJune 30, 2026December 31, 2025$ Change% Change
Cash and cash equivalents$881,203 $1,070,718 $(189,515)(17.7)%
Securities held to maturity, at amortized cost983,032 1,030,073 (47,041)(4.6)
Securities available for sale, at fair value2,842,424 2,560,818 281,606 11.0 
Loans held for sale, at fair value241,588 265,959 (24,371)(9.2)
Loans held for investment19,196,172 19,047,039 149,133 0.8 
Allowance for credit losses(296,008)(293,955)(2,053)0.7 
Loans, net18,900,164 18,753,084 147,080 0.8 
Premises and equipment464,020 465,141 (1,121)(0.2)
Other real estate owned, net15,571 15,191 380 2.5 
Goodwill1,417,538 1,405,840 11,698 0.8 
Other intangible assets, net138,022 146,612 (8,590)(5.9)
Bank-owned life insurance495,235 492,541 2,694 0.5 
Mortgage servicing rights, net65,816 65,271 545 0.8 
Other assets560,386 480,178 80,208 16.7 
Total assets$27,004,999 $26,751,426 $253,573 0.9 %
Investments
The securities portfolio is used to meet liquidity needs and to supply securities to be used in collateralizing certain deposits and certain types of borrowings. The securities portfolio also serves as an outlet to deploy excess liquidity and generate interest income rather than hold excess funds as cash. The following table shows the carrying value of our securities portfolio by investment type and the percentage of such investment type relative to the entire securities portfolio as of the dates presented:
June 30, 2026December 31, 2025
BalancePercentage of
Portfolio		BalancePercentage of
Portfolio
Obligations of states and political subdivisions$555,445 14.52 %$552,209 15.38 %
Mortgage-backed securities2,882,868 75.36 2,642,946 73.60 
Other debt securities387,175 10.12 395,768 11.02 
$3,825,488 100.00 %$3,590,923 100.00 %
Allowance for credit losses - held to maturity securities(32)(32)
Securities, net of allowance for credit losses$3,825,456 $3,590,891 
The Company purchased $541,398 and $946,095 in investment securities during the six months ended June 30, 2026 and 2025, respectively.
Proceeds from maturities, calls and principal payments on securities during the first six months of 2026 totaled $287,997. Proceeds from the maturities, calls and principal payments on securities during the first six months of 2025 totaled $165,377. No gain or loss on sales of securities was recorded in the first half of 2026 or 2025.
During the third quarter of 2022, the Company transferred, at fair value, $882,927 of securities from the available for sale portfolio to the held to maturity portfolio as the Company has the intent and ability to hold these securities until their maturity. The related net unrealized losses of $99,675 (after tax losses of $74,307) remained in accumulated other comprehensive income (loss) and will be amortized over the remaining life of the securities, offsetting the related amortization of discount on the transferred securities. At June 30, 2026, the net unrealized after tax losses remaining to be amortized in accumulated other comprehensive income (loss) was $36,544. No gains or losses were recognized at the time of transfer.
50
For more information about the Company’s security portfolio, see Note 3, “Securities,” in the Notes to Consolidated Financial Statements of the Company in Item 1, Financial Statements, in this report.
Loans Held for Sale
Mortgage loans to be sold are sold either on a “best efforts” basis or under a mandatory delivery sales agreement. Under a “best efforts” sales agreement, residential real estate originations are locked in at a contractual rate with third party private investors or directly with government sponsored agencies, and the Company is obligated to sell the mortgages to such investors only if the mortgages are closed and funded. The risk we assume is conditioned upon loan underwriting and market conditions in the national mortgage market. Under a mandatory delivery sales agreement, the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price and delivery date. Penalties are paid to the investor if we fail to satisfy the contract. Gains and losses are realized at the time consideration is received and all other criteria for sales treatment have been met. Our standard practice is to sell the loans within approximately 45 days after the loan is funded. Although loan fees and some interest income are derived from mortgage loans held for sale, the main source of income is gains from the sale of these loans in the secondary market.
Loans
The table below sets forth the balance of loans outstanding, net of unearned income and excluding loans held for sale, by loan type and the percentage of each loan type to total loans as of the dates presented:
June 30, 2026December 31, 2025
Total
Loans		Percentage of Total LoansTotal
Loans		Percentage of Total Loans
Commercial and industrial$3,063,069 15.96 %$2,818,326 14.79 %
Construction and land development
Residential416,894 2.17 %382,773 2.01 %
Other1,592,770 8.30 %1,522,863 8.00 %
Total construction and land development2,009,664 10.47 1,905,636 10.01 %
Real estate – 1-4 family mortgage:
First lien3,788,776 19.74 %3,844,097 20.18 %
Junior lien53,068 0.28 %52,943 0.28 %
Home equity726,195 3.78 %737,993 3.87 %
Total real estate – 1-4 family mortgage4,568,039 23.80 4,635,033 24.33 %
Commercial real estate - owner occupied3,332,728 17.36 3,334,664 17.51 %
Commercial real estate - non-owner occupied
Multi family1,161,071 6.05 %1,392,779 7.31 %
Other4,962,429 25.84 %4,852,701 25.48 %
Total commercial real estate - non-owner occupied6,123,500 31.89 %6,245,480 32.79 
Consumer99,172 0.52 %107,900 0.57 %
Total loans, net of unearned income$19,196,172 100.00 %$19,047,039 100.00 %
Loan concentrations are considered to exist when there are loans to a number of borrowers engaged in similar activities that would cause them to be similarly impacted by economic or other conditions. At June 30, 2026, there were no concentrations of loans exceeding 10% of total loans other than loans disclosed in the table above. As the above table demonstrates, non-owner occupied commercial mortgage term loans was our largest concentration of loans at June 30, 2026. The following table provides additional detail, broken down by collateral type, about the segments within this loan category as of such date.
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June 30, 2026
BalanceAverage Loan SizePercentage of Total LoansWeighted-Average Loan-to-ValuePercentage 30-89 Days Past DuePercentage
Non-performing
Hotels$743,780 $4,925 3.87 %56 %— %— %
Self Storage588,7843,1293.07 55 — — 
Multi Family1,161,0712,3326.05 54 — 0.10 
Office - Medical426,1062,1892.22 56 0.04 — 
Office - Non-Medical412,8468672.15 55 0.06 3.10 
Retail1,370,7621,5167.14 54 — 0.09 
Senior Housing291,4425,8201.52 60 — 7.75 
Warehouse/Industrial952,5282,4564.96 52 0.03 0.79 
Other176,1811,3400.92 54 — 0.25 
Total non-owner occupied commercial mortgage term loans$6,123,500 $2,038 31.90 %55 %0.01 %0.75 %
Note: Weighted-average loan-to-value is calculated using the most recent appraisal available.
Deposits
DepositsJune 30, 2026December 31, 2025$ Change% Change
Noninterest-bearing deposits$5,038,070 $5,043,960 $(5,890)(0.1)%
Interest-bearing deposits16,662,982 16,429,110 233,872 1.4 
Total deposits$21,701,052 $21,473,070 $227,982 1.1 %
The Company relies on deposits as its primary source of funds. Management continues to focus on growing and maintaining a stable source of funding, specifically noninterest-bearing deposits and other core deposits (that is, deposits excluding brokered deposits). Noninterest-bearing deposits represented 23.22% of total deposits at June 30, 2026, as compared to 23.49% of total deposits at December 31, 2025. The slight decrease in noninterest-bearing deposits as a percentage of total deposits primarily reflects the growth in interest-bearing deposits. Under certain circumstances, management may elect to acquire non-core deposits (in the form of brokered deposits) or public fund deposits (which are deposits of counties, municipalities or other political subdivisions). The source of funds that we select depends on the terms of the deposits and how those terms assist us in mitigating interest rate risk, maintaining our liquidity position and managing our net interest margin; business factors, described in the following paragraph, may lead us to obtain public deposits. Accordingly, funds are acquired to meet anticipated funding needs at the rate and with other terms that, in management’s view, best address our interest rate risk, liquidity and net interest margin parameters.
Public fund deposits may be readily obtained based on the Company’s pricing bid in comparison with competitors’. Because public fund deposits are obtained through a bid process, these deposit balances may fluctuate as competitive and market forces change. Although the Company has focused on growing stable sources of deposits to reduce reliance on public fund deposits, it participates in the bidding process for public fund deposits when pricing and other terms make it reasonable given market conditions or when management perceives that other factors, such as the public entity’s use of our treasury management or other products and services, make such participation advisable. Our public fund transaction accounts are principally obtained from public universities and municipalities, including school boards and utilities. Public fund deposits were $3,797,144 and $3,784,489 at June 30, 2026 and December 31, 2025, respectively.
Borrowed Funds
Borrowed FundsJune 30, 2026December 31, 2025$ Change% Change
Short-term borrowings$315,225 $555,774 $(240,549)(43.3)%
Long-term debt796,469 499,756 296,713 59.4 
Total borrowings$1,111,694 $1,055,530 $56,164 5.3 %
Total borrowings may include federal funds purchased, securities sold under agreements to repurchase, advances from the Federal Home Loan Bank of Dallas (the “FHLB”), borrowings from the Federal Reserve Discount Window, subordinated notes
52
and junior subordinated debentures and are classified on the Consolidated Balance Sheets as either short-term borrowings or long-term debt. Short-term borrowings have original maturities less than one year and typically consist of federal funds purchased, securities sold under agreements to repurchase, and short-term FHLB advances, while long-term debt typically consists of long-term FHLB advances, our junior subordinated debentures and our subordinated notes. Due to deposit growth during the first half of 2026, the Company was able to pay down a portion of its FHLB advances. The following table presents our short-term borrowings by type as of the dates presented:
Short-Term BorrowingsJune 30, 2026December 31, 2025
Security repurchase agreements$5,225 $5,774 
Short-term borrowings from the FHLB310,000 550,000 
Total short-term borrowings$315,225 $555,774 
The following table presents our long-term debt by type as of the dates presented:
Long-Term DebtJune 30, 2026December 31, 2025
Junior subordinated debentures$141,185 $140,632 
Subordinated notes655,284 359,124 
Total long-term debt$796,469 $499,756 
Long-term funds obtained from the FHLB are used to match-fund fixed rate loans in order to minimize interest rate risk and to meet day-to-day liquidity needs, particularly when the cost of such borrowing compares favorably to the rates that we would be required to pay to attract deposits (which has not been the case in recent periods). Advances from the FHLB are collateralized by a blanket lien on the Bank’s loans. The Company had $5,519,985 available on unused lines of credit with the FHLB at June 30, 2026, as compared to $5,574,759 at December 31, 2025. The Company also had credit available at the Federal Reserve Discount Window in the amount of $1,067,639.
The Company has issued subordinated notes, and the Company owns the outstanding common securities of business trusts that issued corporation-obligated mandatorily redeemable preferred capital securities to third-party investors, the proceeds of which were used to buy floating rate junior subordinated debentures issued by the Company (or by companies that the Company subsequently acquired). During the second quarter of 2026, the Company completed a subordinated debt offering, issuing $300,000,000 aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “2036 Notes”). The proceeds generated by the Company’s subordinated notes and trust preferred securities transactions, including the proceeds of the 2036 Notes, have been used for general corporate purposes, including providing capital to support the Company’s growth organically or through strategic acquisitions, repaying indebtedness and financing investments and capital expenditures, and for investments in Renasant Bank (sometimes referred to herein as the “Bank”) as regulatory capital. The subordinated notes and trust preferred securities qualify as Tier 2 capital under current regulatory guidelines.
Results of Operations
Mergers and Acquisitions
On April 1, 2025 the Company completed its merger with The First Bancshares, Inc. (“The First”). At closing, The First merged with and into the Company, with the Company the surviving corporation in the merger; immediately thereafter, The First Bank merged with and into Renasant Bank, with Renasant Bank the surviving banking corporation in the merger. For more information, including the fair value of assets acquired and liabilities assumed, see Note 2, “Mergers and Acquisitions,” in the Notes to Consolidated Financial Statements of the Company in Item 1, Financial Statements, in this report.
The Company’s acquisition of The First on April 1, 2025 had a significant impact on our results of operations for the six months ended June 30, 2026 as compared to the same period in 2025, and is the primary driver of the six-month period-over-period change as indicated throughout this section.
Net Income
Three months ended June 30,
Net Income and Earnings per Share20262025$ Change% Change
Net income$87,091 $1,018 $86,073 8455.1 %
Basic earnings per share0.950.010.949400.0 
Diluted earnings per share0.940.010.939300.0 
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Six months ended June 30,
20262025$ Change% Change
Net income$175,319 $42,536 $132,783 312.2 %
Basic earnings per share1.890.541.35250.0 
Diluted earnings per share1.880.531.35254.7 
From time to time, the Company incurs expenses and charges or recognizes valuation adjustments in connection with certain transactions with respect to which management is unable to accurately predict when these items will be incurred or, when incurred, the amount of such items. There were no such items incurred in the three and six months ended June 30, 2026. The following table presents the impact of these items on reported earnings per share (“EPS”) for the three and six months ended June 30, 2025.
Three Months Ended
June 30, 2025
Pre-taxAfter-taxImpact to Diluted EPS
Merger and conversion related expenses$(20,479)$(15,875)$(0.17)
Day 1 acquisition provision(66,612)(50,026)(0.53)
Gain on sale of MSR1,467 1,102 0.01 
Six Months Ended
June 30, 2025
Pre-taxAfter-taxImpact to Diluted EPS
Merger and conversion related expenses$(21,270)$(16,470)$(0.21)
Day 1 acquisition provision(66,612)(50,026)(0.63)
Gain on sale of MSR1,467 1,102 0.01 
Net Interest Income
Net interest income, the difference between interest earned on assets and the cost of interest-bearing liabilities, is the largest component of our net income, comprising 81.64% of total revenue (i.e., net interest income on a fully taxable equivalent basis and noninterest income) for the second quarter of 2026 and 81.80% of total revenue for the first half of 2026. Changes in net interest income are driven by fluctuations in the volume, mix and repricing of assets and liabilities.
Three months ended June 30,
Net Interest Income (tax equivalent basis)20262025$ Change% Change
Loans$299,675 $306,433 $(6,758)(2.2)%
Securities35,660 28,408 7,252 25.5 
Other5,105 9,057 (3,952)(43.6)
Total interest income$340,440 $343,898 $(3,458)(1.0)%
Deposits106,398 111,921 (5,523)(4.9)
Borrowings11,288 13,118 (1,830)(14.0)
Total interest expense$117,686 $125,039 $(7,353)(5.9)%
Net interest income$222,754 $218,859 $3,895 1.8 %
Net interest income (tax equivalent basis)$227,657 $222,717 $4,940 2.2 %
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Six months ended June 30,
20262025$ Change% Change
Loans$597,948 $506,007 $91,941 18.2 %
Securities67,926 40,525 27,401 67.6 
Other12,686 17,696 (5,010)(28.3)
Total interest income$678,560 $564,228 $114,332 20.3 %
Deposits210,258 191,307 18,951 9.9 
Borrowings21,989 19,865 2,124 10.7 
Total interest expense$232,247 $211,172 $21,075 10.0 %
Net interest income$446,313 $353,056 $93,257 26.4 %
Net interest income (tax equivalent basis)456,081 360,149 95,932 26.6 %
The following tables set forth average balance sheet data, including all major categories of interest-earning assets and interest-bearing liabilities, together with the interest earned or interest paid and the average yield or average rate paid on each such category on a tax-equivalent basis for the periods presented:
Three Months Ended June 30,
20262025
Average
Balance		Interest
Income/
Expense		Yield/
Rate		Average
Balance		Interest
Income/
Expense		Yield/
Rate
Assets
Loans held for investment$19,060,083 $300,112 6.31 %$18,448,000 $304,834 6.63 %
Loans held for sale223,489 3,329 5.96 287,855 4,639 6.45 
Securities:
Taxable3,472,422 29,691 3.42 3,106,565 24,917 3.21 
Tax-exempt(1)
445,249 7,106 6.38 462,732 4,309 3.72 
Interest-bearing balances with banks600,075 5,105 3.41 901,803 9,057 4.03 
Total interest-earning assets23,801,318 345,343 5.82 23,206,955 347,756 6.01 
Cash and due from banks264,246 357,338 
Intangible assets1,546,924 1,589,490 
Other assets1,187,805 1,029,082 
Total assets$26,800,293 $26,182,865 
Liabilities and shareholders’ equity
Interest-bearing liabilities:
Deposits:
Interest-bearing demand(2)
$11,647,640 $72,261 2.49 %$11,191,443 $76,542 2.74 %
Savings deposits1,307,314 944 0.29 1,322,007 1,032 0.31 
Time deposits3,760,192 33,193 3.54 3,404,482 34,347 4.05 
Total interest-bearing deposits16,715,146 106,398 2.55 15,917,932 111,921 2.82 
Borrowed funds891,081 11,288 5.07 1,036,045 13,118 5.07 
Total interest-bearing liabilities17,606,227 117,686 2.68 16,953,977 125,039 2.96 
Noninterest-bearing deposits5,038,879 5,233,976 
Other liabilities303,586 249,861 
Shareholders’ equity3,851,601 3,745,051 
Total liabilities and shareholders’ equity$26,800,293 $26,182,865 
Net interest income/net interest margin$227,657 3.83 %$222,717 3.85 %
(1)U.S. Government and some U.S. Government Agency securities are tax-exempt in the states in which the Company operates.
(2)Interest-bearing demand deposits include interest-bearing transactional accounts and money market deposits.
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Six Months Ended June 30,
20262025
Average
Balance		Interest
Income/
Expense		Yield/
Rate		Average
Balance		Interest
Income/
Expense		Yield/
Rate
Assets
Interest-earning assets:
Loans held for investment$19,047,668 $599,237 6.34 %$15,722,576 $504,338 6.47 %
Loans held for sale217,5316,2055.71 244,6267,6476.25 
Securities:
Taxable3,426,90458,5523.42 2,498,42835,8882.87 
Tax-exempt(1)
439,05311,6485.31 361,8275,7523.18 
Interest-bearing balances with banks711,27312,6863.60 863,48617,6964.13 
Total interest-earning assets23,842,429688,3285.81 19,690,943571,3215.84 
Cash and due from banks277,356270,088
Intangible assets1,547,5811,297,622
Other assets1,160,309850,231
Total assets$26,827,675 $22,108,884 
Liabilities and shareholders’ equity
Interest-bearing liabilities:
Deposits:
Interest-bearing demand(2)
$11,694,228 $144,286 2.49 %$9,522,800 $131,252 2.78 %
Savings deposits1,298,3701,8200.28 1,069,1341,7430.33 
Time deposits3,672,55564,1523.52 2,941,92058,3123.99 
Total interest-bearing deposits16,665,153210,2582.54 13,533,854191,3072.85 
Borrowed funds931,87121,9894.74 797,71419,8655.00 
Total interest-bearing liabilities17,597,024232,2472.66 14,331,568211,1722.97 
Noninterest-bearing deposits5,063,7104,326,445
Other liabilities296,952229,098
Shareholders’ equity3,869,9893,221,773
Total liabilities and shareholders’ equity$26,827,675 $22,108,884 
Net interest income/net interest margin$456,081 3.85 %$360,149 3.68 %
(1)U.S. Government and some U.S. Government Agency securities are tax-exempt in the states in which the Company operates.
(2)Interest-bearing demand deposits include interest-bearing transactional accounts and money market deposits.
The daily average balances of nonaccruing assets are included in the foregoing tables. Interest income and weighted average yields on tax-exempt loans and securities have been computed on a fully tax equivalent basis assuming a federal tax rate of 21%, and for loans, a state tax rate of 4.45%, which is net of federal tax benefit.
Net interest income and net interest margin are influenced by internal and external factors. Internal factors include balance sheet changes in volume and mix as well as loan and deposit pricing decisions. External factors include changes in market interest rates, competition and the shape of the interest rate yield curve. The addition of The First’s loan portfolio and strong organic loan growth in 2025 were the largest contributing factors to the increase in net interest income for the three and six months ended June 30, 2026, as compared to the same periods in 2025. Lower interest rates, driven by the Federal Reserve’s rate cuts in late 2025, and the addition of The First’s deposits generated a positive impact to both the cost and mix of our funding sources. The Company has continued its efforts to mitigate increases in the cost of funding, whether due to competition or otherwise, through maintaining noninterest-bearing deposits and staying disciplined yet competitive in pricing on interest-bearing deposits in the current rate environment.

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The following table sets forth a summary of the changes in interest earned, on a tax equivalent basis, and interest paid resulting from changes in volume and rates for the Company for the three and six months ended June 30, 2026, as compared to the same periods in 2025 (the changes attributable to the combined impact of yield/rate and volume have been allocated on a pro-rata basis using the absolute value of amounts calculated):
Three Months Ended June 30, 2026 Compared to the Three Months Ended June 30, 2025
VolumeRateNet
Interest income:
Loans held for investment$10,068 $(14,790)$(4,722)
Loans held for sale(978)(332)(1,310)
Securities:
Taxable3,069 1,705 4,774 
Tax-exempt(168)2,965 2,797 
Interest-bearing balances with banks(2,707)(1,245)(3,952)
Total interest-earning assets9,284 (11,697)(2,413)
Interest expense:
Interest-bearing demand deposits2,986 (7,267)(4,281)
Savings deposits(13)(75)(88)
Time deposits3,403 (4,557)(1,154)
Borrowed funds(1,830)— (1,830)
Total interest-bearing liabilities4,546 (11,899)(7,353)
Change in net interest income$4,738 $202 $4,940 
Six Months Ended June 30, 2026 Compared to the Six Months Ended June 30, 2025
VolumeRateNet
Interest income:
Loans held for investment$105,178 $(10,279)$94,899 
Loans held for sale(810)(632)(1,442)
Securities:
Taxable14,953 7,711 22,664 
Tax-exempt1,425 4,471 5,896 
Interest-bearing balances with banks(2,899)(2,111)(5,010)
Total interest-earning assets117,847 (840)117,007 
Interest expense:
Interest-bearing demand deposits27,735 (14,701)13,034 
Savings deposits356 (279)77 
Brokered deposits— — — 
Time deposits13,263 (7,423)5,840 
Borrowed funds3,194 (1,070)2,124 
Total interest-bearing liabilities44,548 (23,473)21,075 
Change in net interest income$73,299 $22,633 $95,932 
The aforementioned rate cuts by the Federal Reserve in the second half of 2025 resulted in a decline in interest income on loans and interest-bearing balances with banks, which was the primary driver of the decrease in interest income, on a tax equivalent basis, for the three months ended June 30, 2026, as compared to the same time period in 2025. The addition of The First’s earning assets was the primary driver of the increase in interest income, on a tax equivalent basis, for the six months ended June 30, 2026, as compared to the same time period in 2025.

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The following tables present the percentage of total average earning assets, by type and yield, for the periods presented:
Percentage of Total Average Earning AssetsYield
Three Months EndedThree Months Ended
June 30,June 30,
2026202520262025
Loans held for investment80.08 %79.49 %6.31 %6.63 %
Loans held for sale0.94 1.24 5.96 6.45 
Securities16.46 15.38 3.76 3.28 
Interest-bearing balances with banks2.52 3.89 3.41 4.03 
Total earning assets100.00 %100.00 %5.82 %6.01 %

Percentage of Total Average Earning AssetsYield
Six Months EndedSix Months Ended
June 30,June 30,
2026202520262025
Loans held for investment79.89 %79.85 %6.34 %6.47 %
Loans held for sale0.91 1.24 5.71 6.25 
Securities16.21 14.53 3.63 2.91 
Interest-bearing balances with banks2.99 4.38 3.60 4.13 
Total earning assets100.00 %100.00 %5.81 %5.84 %
For the second quarter of 2026, interest income on loans held for investment, on a tax equivalent basis, decreased $4,722 to $300,112 from $304,834 for the same period in 2025. For the six months ended June 30, 2026, interest income on loans held for investment, on a tax equivalent basis, increased $94,899 to $599,237 from $504,338 for the same period in 2025. The decrease in interest income on loans held for investment for the second quarter of 2026 as compared to the same period in 2025 is due to the aforementioned rate cuts by the Federal Reserve. The increase in interest income on loans held for investment for the six months ended June 30, 2026, as compared to the same period in 2025, was driven largely by the addition of $5,173,334 in loans held for investment through our merger with The First on April l, 2025, resulting in an increase of $4,774,908 in the year-to-date average balance of loans held for investment from June 2025.
The impact from interest income collected on problem loans and purchase accounting adjustments on loans to total interest income on loans held for investment, loan yield and net interest margin is shown in the following table for the periods presented.
Three Months EndedSix Months Ended
June 30,June 30,
2026202520262025
Net interest income collected on problem loans$1,166 $2,779 $1,376 $3,805 
Accretable yield recognized on purchased loans12,327 17,834 27,575 18,392 
Total impact to interest income on loans$13,493 $20,613 $28,951 $22,197 
Impact to loan yield0.28 %0.45 %0.30 %0.29 %
Impact to net interest margin0.22 %0.27 %0.24 %0.17 %
Investment income, on a tax equivalent basis, increased $7,571 to $36,797 for the second quarter of 2026 from $29,226 for the second quarter of 2025. Investment income, on a tax equivalent basis, increased $28,560 for the six months ended June 30, 2026 to $70,200 from $41,640 for the same period in 2025. The increase in investment income, on a tax equivalent basis, for the second quarter of 2026, as compared to the same period in 2025, was driven by a higher average balance of securities. Accelerated bond discount accretion also contributed $2,672 to net interest income in the second quarter of 2026. The increase in investment income, on a tax equivalent basis, for the six months ended June 30, 2026, as compared to the same period in 2025, was primarily due to the acquisition of The First’s investment portfolio. The tax equivalent yield on the investment portfolio for the second quarter of 2026 was 3.76%, up 48 basis points from 3.28% for the same period in 2025. The tax equivalent yield on the investment portfolio for the six months ended June 30, 2026 was 3.63%, up 72 basis points from 2.91% for the same period in 2025.
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Interest expense was $117,686 for the second quarter of 2026 as compared to $125,039 for the same period in 2025. Interest expense was $232,247 for the six months ended June 30, 2026 as compared to $211,172 for the same period in 2025. The decrease in interest expense for the second quarter of 2026 as compared to the same period in 2025 was driven largely by the aforementioned rate cuts during the second half of 2025. The increase in interest expense for the first half of 2026 as compared to the first half of 2025 was primarily due to the assumption of The First’s deposits and borrowed funds.
The following table presents, by type, the Company’s funding sources, which consist of total average deposits and borrowed funds, and the total cost of each funding source for the periods presented:
Percentage of Total Average Deposits and Borrowed FundsCost of Funds
Three Months EndedThree Months Ended
June 30,June 30,
2026202520262025
Noninterest-bearing demand22.25 %23.59 %— %— %
Interest-bearing demand51.44 50.44 2.49 2.74 
Savings5.77 5.96 0.29 0.31 
Time deposits16.60 15.34 3.54 4.05 
Borrowed funds3.94 4.67 5.07 5.07 
Total deposits and borrowed funds100.00 %100.00 %2.08 %2.26 %
Percentage of Total Average Deposits and Borrowed FundsCost of Funds
Six Months EndedSix Months Ended
June 30,June 30,
2026202520262025
Noninterest-bearing demand22.35 %23.19 %— %— %
Interest-bearing demand51.61 51.04 2.49 2.78 
Savings5.73 5.73 0.28 0.33 
Time deposits16.21 15.77 3.52 3.99 
Borrowed funds4.10 %4.27 4.74 5.00 
Total deposits and borrowed funds100.00 %100.00 %2.07 %2.28 %
The cost of total deposits was 1.96% and 2.12% for the second quarter of 2026 and 2025, respectively, and 1.95% and 2.16% for the six months ended June 30, 2026 and 2025, respectively. The cost of total deposits for both the second quarter and the first half of 2026 was affected by the aforementioned rate cuts by the Federal Reserve. The increase in deposit expense and decrease in cost for the first half of 2026 as compared to the first half of 2025 is attributable to the acquisition of The First’s deposits. The Company has continued its efforts to maintain non-interest bearing deposits. Low cost deposits continue to be the preferred choice of funding; however, the Company may rely on brokered deposits or wholesale borrowings when advantageous, to address liquidity needs or as otherwise deemed advisable due to market conditions.
The increase in interest expense on borrowings for the six months ended June 30, 2026 is due to higher average short-term borrowings and the additional subordinated notes and other long-term borrowings added as a result of the merger with The First.
A more detailed discussion of the cost of our funding sources is set forth below under the heading “Liquidity and Capital Resources” in this Item.

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Noninterest Income
Three months ended June 30,
Noninterest Income20262025$ Change% Change
Service charges on deposit accounts$14,516 $13,618 $898 6.6 %
Fees and commissions5,471 6,650 (1,179)(17.7)
Wealth management revenue9,073 7,345 1,728 23.5 
Mortgage banking income9,178 11,263 (2,085)(18.5)
BOLI income4,608 3,383 1,225 36.2 
Other8,344 6,075 2,269 37.3 
Total noninterest income$51,190 $48,334 $2,856 5.9 %
Noninterest income to average assets0.77%0.74%
Six months ended June 30,
20262025$ Change% Change
Service charges on deposit accounts$29,256 $23,982 $5,274 22.0 %
Fees and commissions10,125 10,437 (312)(3.0)
Wealth management revenue17,751 14,412 3,339 23.2 
Mortgage banking income18,613 19,410 (797)(4.1)
BOLI income8,297 6,312 1,985 31.4 
Other17,420 10,176 7,244 71.2 
Total noninterest income$101,462 $84,729 $16,733 19.7 %
Noninterest income to average assets0.76 %0.77 %
Total noninterest income includes fees generated from deposit services and other fees and commissions, income from our wealth management and mortgage banking operations and all other noninterest income. Other noninterest income includes income from our SBA banking division, our capital markets division, dividends earned on our stock in the Federal Home Loan Bank and the Federal Reserve Bank, and other miscellaneous income and can fluctuate based on production in our SBA banking and capital markets divisions and recognition of other seasonal income items. Our focus is to develop and enhance our products that generate noninterest income in order to diversify revenue sources. The acquisition of The First’s operations was the primary driver of the increase in noninterest income for the six months ended June 30, 2026 as compared to the same period in 2025.
Our Wealth Management segment consists of our trust division, retail financial services division and Park Place Capital Corporation (“Park Place Capital”), a wholly-owned subsidiary of Renasant. The trust division operates on a custodial basis, which includes the administration of benefit plans, as well as accounting for trust accounts. The division administers a number of trust accounts inclusive of personal and corporate benefit accounts, IRAs, and custodial accounts. Fees for these services are based on the market value of assets under management, and vary according to the services provided and the type of account. The retail financial services division is operated by registered representatives, who offer investment and insurance products to bank branch customers. These representatives are licensed and supervised by an unaffiliated third-party broker-dealer. Park Place Capital, a SEC-registered investment advisor, provides investment management, financial planning and institutional advisory services to retail and institutional clients and serves as advisor and sponsor to a mutual fund complex. Park Place Capital Securities Corporation, a FINRA member broker-dealer, is a wholly-owned subsidiary of Park Place Capital and conducts Park Place Capital’s brokerage-related services. The market value of assets under management or administration was $7,654,995 and $7,347,104 at June 30, 2026 and June 30, 2025, respectively.
Mortgage banking income is derived from the origination and sale of mortgage loans and the servicing of mortgage loans that the Company has sold but retained the right to service. Although loan fees and some interest income are derived from mortgage loans held for sale, the main source of income is gains from the sale of these loans in the secondary market. Originations of mortgage loans to be sold totaled $410,416 in the second quarter of 2026 compared to $491,627 for the same period in 2025. Originations of mortgage loans to be sold totaled $752,952 in the six months ended June 30, 2026 compared to $794,785 for the same period in 2025. The table below presents the components of mortgage banking income included in noninterest income for the periods presented.
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Three Months Ended June 30,Six Months Ended June 30,
Mortgage Banking Income2026202520262025
Gain on sales of loans, net (1)
$4,760 $5,316 $10,065 $9,816 
Fees, net3,470 3,740 6,312 6,057 
Mortgage servicing income, net(2)
948 2,207 2,236 3,537 
Mortgage banking income, net$9,178 $11,263 $18,613 $19,410 
(1) Gain on sales of loans, net includes pipeline fair value adjustments
(2) Mortgage servicing income, net includes gain on sale of MSR
Noninterest Expense
Three months ended June 30,
Noninterest Expense20262025$ Change% Change
Salaries and employee benefits$96,228 $99,542 $(3,314)(3.3)%
Data processing5,037 5,438 (401)(7.4)
Net occupancy and equipment18,018 17,359 659 3.8 
Other real estate owned453 157 296 188.5 
Professional fees4,518 4,223 295 7.0 
Advertising and public relations4,677 4,490 187 4.2 
Intangible amortization8,370 8,884 (514)(5.8)
Communications3,566 3,184 382 12.0 
Merger and conversion related expenses— 20,479 (20,479)(100.0)
Other20,634 19,448 1,186 6.1 
Total noninterest expense$161,501 $183,204 $(21,703)(11.8)%
Noninterest expense to average assets2.42 %2.81 %
Six months ended June 30,
20262025$ Change% Change
Salaries and employee benefits$187,977 $171,499 $16,478 9.6 %
Data processing10,258 9,527 731 7.7 
Net occupancy and equipment36,049 29,113 6,936 23.8 
Other real estate owned1,852 842 1,010 120.0 
Professional fees8,920 7,107 1,813 25.5 
Advertising and public relations9,276 8,787 489 5.6 
Intangible amortization16,590 9,964 6,626 66.5 
Communications7,575 5,217 2,358 45.2 
Merger and conversion related expenses— 21,270 (21,270)(100.0)
Other38,332 33,754 4,578 13.6 
Total noninterest expense$316,829 $297,080 $19,749 6.6 %
Noninterest expense to average assets2.38 %2.71 %
Other noninterest expense includes business development and travel expenses, other discretionary expenses, loan fees expense and other miscellaneous fees and operating expenses. The decrease in noninterest expense for the second quarter of 2026 as compared to the same period in 2025 is due to the lack of merger and conversion related expenses in the second quarter of 2026 as well as the realization of cost savings in salaries and employee benefits and data processing driven primarily by synergies realized from the acquisition of The First. At the same time, the acquisition of The First’s operations was the primary driver of the increase in noninterest expense for the six months ended June 30, 2026 as compared to the same period in 2025.

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Efficiency Ratio
Efficiency Ratio
Three Months Ended June 30,Six Months Ended June 30,
2026202520262025
Efficiency ratio57.92 %67.59 %56.83 %66.78 %

The efficiency ratio is a measure of productivity in the banking industry. (This ratio is a measure of our ability to turn expenses into revenue. That is, the ratio is designed to reflect the percentage of one dollar that we must expend to generate a dollar of revenue.) The Company calculates this ratio by dividing noninterest expense by the sum of net interest income on a fully tax equivalent basis and noninterest income. The improvement in our efficiency ratio for the three and six months ended June 30, 2026 as compared to the same periods in 2025 was driven by revenue growth while at the same time controlling noninterest expenses and eliminating duplicative expenses during the integration of The First.
Income Taxes
Three months ended June 30,
20262025$ Change% Change
Income taxes$21,553 $1,649 $19,904 1,207.0 %
Six months ended June 30,
20262025$ Change% Change
Income taxes$43,748 $12,097 $31,651 261.6 %
The increase in the Company’s income before income taxes for the three and six months ended June 30, 2026 as compared to the same periods in 2025 was the primary driver of the increase in income taxes.
Risk Management
Nonperforming Assets. Nonperforming assets consist of nonperforming loans and other real estate owned. Nonperforming loans are loans on which the accrual of interest has stopped and loans that are contractually 90 days past due on which interest continues to accrue. Generally, the accrual of interest is discontinued when the full collection of principal or interest is in doubt or when the payment of principal or interest has been contractually 90 days past due, unless the obligation is both well secured and in the process of collection. Management, the Company’s problem asset resolution committee and our loan review staff closely monitor loans that are considered to be nonperforming.
Other real estate owned consists of properties acquired through foreclosure or acceptance of a deed in lieu of foreclosure. These properties are carried at the lower of cost or fair market value based on appraised value less estimated selling costs. Losses and gains arising at the time of foreclosure of properties are charged against or credited to, as applicable, the allowance for credit losses. Reductions in the carrying value subsequent to acquisition are charged to earnings and are included in “Other real estate owned” in the Consolidated Statements of Income.
The following table provides details of the Company’s nonperforming assets as of the dates presented.
June 30, 2026December 31, 2025
Nonaccruing loans$186,432 $175,730 
Accruing loans past due 90 days or more51 288 
Total nonperforming loans186,483 176,018 
Other real estate owned15,571 15,191 
Total nonperforming loans and OREO$202,054 $191,209 
Nonperforming loans to total loans0.97 %0.92 %
Nonaccruing loans to total loans0.97 %0.92 %
Nonperforming assets to total assets0.75 %0.71 %
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The following table presents nonperforming loans by loan category as of the dates presented:
June 30,
2026		December 31, 2025
Commercial and industrial$46,225 $28,002 
Construction and land development
Residential1,940 2,033 
Other3,995 5,697 
Total construction and land development5,935 7,730 
Real estate – 1-4 family mortgage:
First lien61,520 60,874 
Junior lien1,833 1,483 
Home equity3,077 3,074 
Total real estate – 1-4 family mortgage66,430 65,431 
Commercial real estate - owner occupied21,962 31,303 
Commercial real estate - non-owner occupied
Multi family1,212 785 
Other44,535 42,610 
Total commercial real estate - non-owner occupied45,747 43,395 
Consumer184 157 
Loans, net of unearned income$186,483 $176,018 

Management has evaluated the aforementioned loans and other loans classified as nonperforming and believes that all nonperforming loans have been adequately reserved for in the allowance for credit losses on loans at June 30, 2026. Management also continually monitors past due loans for potential credit quality deterioration. Total loans 30-89 days past due on which interest was still accruing were $31,141 at June 30, 2026 as compared to $89,162 at December 31, 2025.
Allowance for Credit Losses on Loans; Provision for Credit Losses on Loans. The allowance for credit losses is available to absorb credit losses inherent in the loans held for investment portfolio. Loan losses are charged against the allowance for credit losses when management confirms the uncollectability of a loan balance. Subsequent recoveries, if any, are credited to the allowance. The provision for credit losses on loans charged to operating expense is an amount that, in the judgment of management, is necessary to maintain the allowance for credit losses on loans at a level adequate to meet the inherent risks of losses in our loan portfolio. Management evaluates the adequacy of the allowance on a quarterly basis. The following table presents the allocation of the allowance for credit losses on loans and the percentage of each loan category to the total allowance for each of the periods presented.
June 30, 2026December 31, 2025June 30, 2025
Balance% of TotalBalance% of TotalBalance% of Total
Commercial and industrial$67,357 22.76 %$57,831 19.67 %$61,410 21.12 %
Construction and land development39,885 13.47 31,359 10.67 30,294 10.42 
Real estate - 1-4 family mortgage66,837 22.58 61,249 20.84 61,172 21.04 
Commercial real estate - owner occupied35,947 12.14 38,961 13.25 31,127 10.71 
Commercial real estate - non owner occupied81,759 27.62 99,605 33.88 100,667 34.61 
Consumer4,223 1.43 4,950 1.69 6,100 2.10 
Total$296,008 100.00 %$293,955 100.00 %$290,770 100.00 %
The increase in the allowance for credit losses as of June 30, 2026 as compared to December 31, 2025 was primarily driven by loan growth, including both acquisition-related and organic growth, coupled with changes in the macroeconomic environment and qualitative factors partially moderated by improvements in the asset credit quality. Provisioning for select residential-related pools increased due to the risk of a potential period of economic stagnation accompanied by persistent inflationary pressures as well as declines in collateral value. The Company’s allowance for credit loss considers current conditions, economic projections, primarily the national unemployment rate and GDP over a reasonable and supportable period of two years, historical loss data, and environmental factors. For more information about the allowance for credit losses, see the “Critical Accounting Estimates” section in this Item below. The Company recorded a provision for credit losses on loans of $1,166 or 0.02% of average loans (annualized), for the three months ended June 30, 2026, as compared to $75,400, or 1.64% of
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average loans (annualized), during the three months ended June 30, 2025. The provision for credit losses on loans in the second quarter of 2025 was primarily driven by the Day 1 acquisition provision related to the merger with The First. The table below reflects the activity in the allowance for credit losses on loans for the periods presented:
Three Months EndedSix Months Ended
June 30,June 30,
2026202520262025
Balance at beginning of period$295,862 $203,931 $293,955 $201,756 
Initial allowance for purchased loans with more than insignificant credit deterioration existing at the date of acquisition1,750 23,493 1,750 23,493 
Charge-offs
Commercial and industrial(2,223)(8,217)(3,293)(8,310)
Construction and land development— (105)(1)(106)
Real estate – 1-4 family mortgage(402)(319)(927)(628)
Commercial real estate - owner occupied(227)— (1,363)— 
Commercial real estate - non-owner occupied(176)(3,944)(374)(4,405)
Consumer(319)(394)(649)(659)
Total charge-offs(3,347)(12,979)(6,607)(14,108)
Recoveries
Commercial and industrial382 631 532 1,597 
Construction and land development2 — 2 1 
Real estate – 1-4 family mortgage133 37 159 70 
Commercial real estate - owner occupied7 56 683 58 
Commercial real estate - non-owner occupied18 60 81 64 
Consumer35 141 63 389 
Total recoveries577 925 1,520 2,179 
Net charge-offs(2,770)(12,054)(5,087)(11,929)
Provision for credit losses on loans1,166 75,400 5,390 77,450 
Balance at end of period$296,008 $290,770 $296,008 $290,770 
Provision for credit losses on loans (annualized) to average loans0.02 %1.64 %0.06 %0.99 %
Net charge-offs (annualized) to average loans0.06 %0.26 %0.05 %0.15 %
Net charge-offs (annualized) to allowance for credit losses on loans3.75 %16.63 %3.47 %8.27 %
Allowance for credit losses on loans to:
Total loans1.54 %1.57 %1.54 %1.57 %
Nonperforming loans158.73 %204.97 %158.73 %204.97 %
Nonaccrual loans158.78 %210.70 %158.78 %210.70 %
Nonaccrual loans to total loans:0.97 %0.74 %0.97 %0.74 %

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The table below reflects annualized net (charge-offs) recoveries to daily average loans outstanding, by loan category, for the periods presented:
Six Months Ended
June 30, 2026June 30, 2025
Net (Charge-offs) RecoveriesAverage LoansAnnualized Net Charge-offs to Average LoansNet (Charge-offs) RecoveriesAverage LoansAnnualized Net Charge-offs to Average Loans
Commercial and industrial$(2,761)$2,948,716(0.19)%$(6,713)$2,354,967(0.57)%
Construction and land development11,928,485—%(105)1,590,102(0.01)%
Real estate – 1-4 family mortgage(768)4,575,425(0.03)%(558)4,017,048(0.03)%
Commercial real estate - owner occupied(680)3,331,488(0.04)%582,590,085—%
Commercial real estate - non-owner occupied(293)6,160,974(0.01)%(4,341)5,064,458(0.17)%
Consumer(586)102,580(1.15)%(270)105,916(0.51)%
Total$(5,087)$19,047,668(0.05)%$(11,929)$15,722,576(0.15)%

Allowance for Credit Losses on Unfunded Commitments; Provision for Credit Losses on Unfunded Commitments. The Company maintains a separate allowance for credit losses on unfunded loan commitments, which is included in the “Other liabilities” line item on the Consolidated Balance Sheets. Management estimates the amount of expected losses on unfunded loan commitments by calculating a likelihood of funding over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the allowance for credit losses on loans methodology described above to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company. A roll-forward of the allowance for credit losses on unfunded commitments is shown in the tables below.
Three Months Ended June 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$33,683 $17,643 
Provision for credit losses on unfunded loan commitments2,633 5,922 
Ending balance$36,316 $23,565 
Six Months Ended June 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$29,827 $14,943 
Provision for credit losses on unfunded loan commitments6,489 8,622 
Ending balance$36,316 $23,565 
The decrease in provision for credit losses on unfunded commitments in the three and six months ended June 30, 2026 as compared to the same periods in 2025 was primarily driven by the absence of the Day 1 acquisition provision associated with our merger with The First recorded in 2025.
Interest Rate Risk
Market risk is the risk of loss from adverse changes in market prices and rates. The majority of assets and liabilities of a financial institution are monetary in nature and therefore differ greatly from most commercial and industrial companies that have significant investments in fixed assets and inventories. Our market risk arises primarily from interest rate risk inherent in lending, investing and deposit-taking activities. Management believes a significant impact on the Company’s financial results stems from our ability to react to changes in interest rates. A sudden and substantial change in interest rates may adversely impact our earnings because the interest rates borne by assets and liabilities do not change at the same speed, to the same extent or on the same basis. Changes in rates may also limit our liquidity, making it more costly for the Company to generate funds to make loans and to satisfy customers wishing to withdraw deposits.
Because of the impact of interest rate fluctuations on our profitability and liquidity, we actively monitor and manage our interest rate risk exposure. We have an Asset/Liability Committee (“ALCO”), which is comprised of various members of senior
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management and is authorized by the Board of Directors to monitor interest rate sensitivity and liquidity risk, over the short-, medium-, and long-term, and to make decisions relating to these processes. The ALCO’s goal is to structure our asset/liability composition to maximize net interest income while managing interest rate risk and preserving adequate liquidity so as to minimize the adverse impact of changes in interest rates on net interest income, liquidity and capital. We regularly monitor liquidity and stress our liquidity position in various simulated scenarios, which are incorporated in our contingency funding plan outlining different potential liquidity environments. The ALCO uses an asset/liability model as the primary quantitative tool in measuring the amount of interest rate risk associated with changing market rates. The model is used to perform both net interest income forecast simulations for multiple year horizons and economic value of equity (“EVE”) analyses, each under various interest rate scenarios.
Net interest income forecast simulations measure the short- and medium-term earnings exposure from changes in market interest rates in a rigorous and explicit fashion. Our current financial position is combined with assumptions regarding future business to calculate future net interest income under various hypothetical rate scenarios. EVE measures our long-term earnings exposure from changes in market rates of interest. EVE is defined as the present value of assets minus the present value of liabilities at a point in time for a given set of market rate assumptions. An increase in EVE due to a specified rate change indicates an improvement in the long-term earnings capacity of the balance sheet assuming that the rate change remains in effect over the life of the current balance sheet.
The following table presents the projected impact of a change in interest rates on (1) static EVE and (2) earnings at risk (that is, net interest income) for the 1-12 and 13-24 month periods commencing July 1, 2026, in each case as compared to the result under rates present in the market on June 30, 2026. The changes in interest rates assume an instantaneous and parallel shift in the yield curve and do not account for changes in the slope of the yield curve.
Percentage Change In:
Immediate Change in Rates of (in basis points):Economic Value Equity (EVE)Earning at Risk
(Net Interest Income)
Static1-12 Months13-24 Months
+100(0.46)%3.88%4.90%
-100(1.60)%(4.06)%(5.40)%
-200(6.94)%(7.57)%(11.26)%

The rate shock results for the net interest income simulations for the next 24 months produce an asset sensitive position at June 30, 2026. The preceding measures assume no change in the size or asset/liability compositions of the balance sheet, and they do not reflect future actions the ALCO may undertake in response to such changes in interest rates.
The scenarios assume instantaneous movements in interest rates in increments described in the table above. As interest rates are adjusted over time, it is our strategy to proactively change the volume and mix of our balance sheet in order to mitigate our interest rate risk. The computation of the prospective effects of hypothetical interest rate changes requires numerous assumptions, including asset prepayment speeds, the impact of competitive factors on our pricing of loans and deposits, the impact of market conditions on the securities yields and interest rates of our borrowings, how responsive our deposit repricing is to the change in market rates and the expected life of non-maturity deposits. These business assumptions are based upon our experience, business plans and published industry experience; however, such assumptions may not necessarily reflect the manner or timing in which cash flows, asset yields and liability costs respond to changes in market rates. Because these assumptions are inherently uncertain, actual results will differ from simulated results.
The Company utilizes derivative financial instruments, including interest rate contracts such as swaps, collars, caps and/or floors, risk participations, forward commitments, and interest rate lock commitments, as part of its ongoing efforts to mitigate its interest rate risk exposure. For more information about the Company’s derivatives, see the information under the heading “Loan Commitments and Other Off-Balance Sheet Arrangements” in the Liquidity and Capital Resources section below and Note 9, “Derivative Instruments,” in the Notes to Consolidated Financial Statements of the Company in Item 1, Financial Statements. The next section also details our available sources of liquidity, both on and off-balance sheet.

Liquidity and Capital Resources
Liquidity management is the ability to meet the cash flow requirements of customers who may be either depositors wishing to withdraw funds or borrowers needing assurance that sufficient funds will be available to meet their credit needs.
Core deposits, which are deposits excluding brokered deposits, are the major source of funds used by the Bank to meet cash flow needs. Maintaining the ability to acquire these funds as needed in a variety of markets is the key to assuring the Bank’s
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liquidity. We may also access the brokered deposit market where rates are favorable to other sources of liquidity (especially in light of collateral requirements for certain borrowings) and core deposits are not sufficient for meeting our current and anticipated short- or long-term liquidity needs. We did not hold any brokered deposits at June 30, 2026 or December 31, 2025. Management continually monitors the Bank’s liquidity and non-core dependency ratios to ensure compliance with targets established by the ALCO.
Our investment portfolio is another alternative for meeting liquidity needs. These assets generally have readily available markets that offer conversions to cash as needed. Within the next twelve months the securities portfolio is forecasted to generate cash flow through principal payments and maturities equal to approximately 13.32% of the carrying value of the total securities portfolio. Securities within our investment portfolio are also used to secure certain deposit types, short-term borrowings and derivative instruments. At June 30, 2026, securities with a carrying value of $1,638,865 were pledged to secure government, public fund and trust deposits and as collateral for short-term borrowings and derivative instruments as compared to securities with a carrying value of $1,760,542 similarly pledged at December 31, 2025.
Other sources available for meeting liquidity needs include federal funds purchased, short and long-term advances from the FHLB and borrowings from the Federal Reserve Discount Window. Interest is charged at the prevailing market rate on federal funds purchased, FHLB advances and borrowings from the Federal Reserve Discount Window. There were $310,000 and $550,000 in short-term borrowings from the FHLB at June 30, 2026 and December 31, 2025, respectively. Long-term funds obtained from the FHLB are used to match-fund fixed rate loans in order to minimize interest rate risk and also are used to meet day-to-day liquidity needs, particularly when the cost of such borrowing compares favorably to the rates that we would be required to pay to attract deposits. There were no outstanding long-term advances with the FHLB at June 30, 2026 or December 31, 2025. The total amount of the remaining credit available to us from the FHLB at June 30, 2026 was $5,519,985. The credit available at the Federal Reserve Discount Window at June 30, 2026 was $1,067,639 with no borrowings outstanding as of such date. We also maintain lines of credit with other commercial banks totaling $140,000. These are unsecured lines of credit with the majority maturing at various times within the next twelve months. There were no amounts outstanding under these lines of credit at June 30, 2026 or December 31, 2025.
Finally, we can access the capital markets to meet liquidity needs. The Company maintains a shelf registration statement with the SEC. The shelf registration statement, which was effective upon filing, allows the Company to raise capital from time to time through the sale of common stock, preferred stock, depositary shares, debt securities, rights, warrants and units, or a combination thereof, subject to market conditions. Specific terms and prices will be determined at the time of any offering under a separate prospectus supplement that the Company will file with the SEC at the time of the specific offering. The proceeds of the sale of securities, if and when offered, will be used for general corporate purposes or as otherwise described in the prospectus supplement applicable to the offering and could include the expansion of the Company’s banking and wealth management operations as well as other business opportunities. Our $300,000 subordinated notes offering completed in May 2026 and our common stock offering completed in July 2024 reflect our access of the capital markets as described in this paragraph. The carrying value of subordinated notes, net of unamortized debt issuance costs, was $655,284 at June 30, 2026.
For further details on the Company’s funding sources, including total average deposits and borrowed funds by type, and the total cost of each funding source, see the “Results of Operations” section in this Item above.
Our strategy in choosing funds is focused on minimizing cost in the context of our balance sheet composition, interest rate risk position and liquidity forecast. Accordingly, management targets growth of core deposits, focusing on noninterest-bearing deposits. While we do not control the types of deposit instruments our clients choose, we do influence those choices with the rates and the deposit specials we offer. We constantly monitor our funds position and evaluate the effect that various funding sources have on our financial position.
Cash and cash equivalents were $881,203 at June 30, 2026, as compared to $1,378,612 at June 30, 2025. The decrease was largely driven by the repurchase of shares through the Company’s stock repurchase program and the payoff of certain short-term borrowings.
Cash provided by operating activities for the six months ended June 30, 2026 was $182,486, as compared to $19,535 for the six months ended June 30, 2025.
Cash used in investing activities for the six months ended June 30, 2026 was $475,106, as compared to $252,847 for the six months ended June 30, 2025. Proceeds from the sale, maturity or call of securities within our investment portfolio were $287,997 for the six months ended June 30, 2026, as compared to $851,862 for the same period in 2025. Purchases of investment securities were $541,398 during the first six months of 2026 and $946,095 for the same period in 2025.
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Cash provided by financing activities for the six months ended June 30, 2026 was $103,105, as compared to $519,892 for the same period in 2025. Deposits increased $227,982 and $556,236 for the six months ended June 30, 2026 and 2025, respectively.
Restrictions on Bank Dividends, Loans and Advances
The Company’s liquidity and capital resources, as well as its ability to pay dividends to its shareholders, are substantially dependent on the ability of Renasant Bank to transfer funds to the Company in the form of dividends, loans and advances. Under Mississippi law, a Mississippi bank may not pay dividends unless its earned surplus is in excess of three times capital stock. Approval of the Mississippi Department of Banking and Consumer Finance (the “DBCF”) is also required under certain circumstances such as, for example, when a bank is subject to a regulatory enforcement or corrective action or would be undercapitalized after giving effect to the proposed dividend. In addition, Federal Reserve regulations prohibit a member bank from paying a dividend without prior approval from the Federal Reserve if either (1) the total of all dividends declared during the calendar year, including the proposed dividend, exceeds the sum of the bank’s net income for the current year plus its retained net income of the prior two calendar years or (2) the dividend would exceed the bank’s undivided profits as reportable on its Reports of Condition and Income. In this latter scenario, Federal Reserve regulations also require that at least two-thirds of the bank’s shareholders approve the proposed dividend. Accordingly, under certain circumstances, the approval of the DBCF and the Federal Reserve may be required prior to the Bank paying dividends to the Company.
Federal Reserve regulations also limit the amount the Bank may loan to the Company unless such loans are collateralized by specific obligations. At June 30, 2026, the maximum amount available for transfer from the Bank to the Company in the form of loans was $298,800. The Company maintains a $3,000 line of credit collateralized by cash with the Bank. There were no amounts outstanding under this line of credit at June 30, 2026.
These restrictions did not have any impact on the Company’s ability to meet its cash obligations in the six months ended June 30, 2026, nor does management expect such restrictions to materially impact the Company’s ability to meet its currently-anticipated cash obligations.
Loan Commitments and Other Off-Balance Sheet Arrangements
The Company enters into loan commitments and standby letters of credit in the normal course of its business. Loan commitments are made to accommodate the financial needs of the Company’s customers. Standby letters of credit commit the Company to make payments on behalf of customers when certain specified future events occur. Both arrangements have credit risk essentially the same as that involved in extending loans to customers and are subject to the Company’s normal credit policies, including establishing a provision for credit losses on unfunded commitments. Collateral (e.g., securities, receivables, inventory, equipment, etc.) is obtained based on management’s credit assessment of the customer.
Loan commitments and standby letters of credit do not necessarily represent future cash requirements of the Company in that while the borrower has the ability to draw upon these commitments at any time, these commitments often expire without being drawn upon. The Company’s unfunded loan commitments and standby letters of credit outstanding were as follows as of the dates presented:
June 30, 2026December 31, 2025
Loan commitments$3,928,429 $3,662,810 
Standby letters of credit123,214 122,367 
The Company closely monitors the amount of remaining future commitments to borrowers in light of prevailing economic conditions and adjusts these commitments and the provision related thereto as necessary; the Company also reviews these commitments as part of its analysis of loan concentrations within the loan portfolio. For additional information related to the allowance and provision for credit losses on unfunded loan commitments, refer to the “Risk Management” section above.
The Company utilizes derivative financial instruments, including interest rate contracts such as swaps, collars, risk participations, caps and/or floors, as part of its ongoing efforts to mitigate its interest rate risk exposure and to facilitate the needs of its customers. The Company enters into derivative instruments that are not designated as hedging instruments to help its commercial customers manage their exposure to interest rate fluctuations. To mitigate the interest rate risk associated with these customer contracts, the Company enters into an offsetting derivative contract position with other financial institutions. The Company manages its credit risk, or potential risk of default by its commercial customers, through credit limit approval and monitoring procedures. At June 30, 2026, the Company had notional amounts of $1,804,473 on interest rate contracts with
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corporate customers and $1,804,473 in offsetting interest rate contracts with other financial institutions to mitigate the Company’s rate exposure on its corporate customers’ contracts and certain fixed rate loans.
Additionally, the Company enters into interest rate lock commitments with its customers to mitigate the interest rate risk associated with the commitments to fund fixed-rate and adjustable rate residential mortgage loans and also enters into forward commitments to sell residential mortgage loans to secondary market investors.
To mitigate future interest rate exposure on its FHLB borrowings and its junior subordinated debentures the Company enters into interest rate swap contracts that are accounted for as cash flow hedges. Under each of these contracts, the Company pays a fixed rate of interest and receives a variable rate of interest. The Company entered into an interest rate swap contract on a tranche of its subordinated notes that is accounted for as a fair value hedge. Under this contract, the Company pays a variable rate of interest and receives a fixed rate of interest. The Company utilizes interest rate collars to protect against interest rate fluctuations on certain variable-rate loans. Under these contracts, interest income is limited to the interest rate cap; however, interest income is protected when market rates fall below the floor strike rate.
For more information about the Company’s derivatives, see Note 9, “Derivative Instruments,” in the Notes to Consolidated Financial Statements of the Company in Item 1, Financial Statements.
Shareholders’ Equity and Regulatory Matters
Shareholders’ EquityJune 30, 2026December 31, 2025$ Change% Change
Common stock$488,612 $488,612 $— — %
Treasury stock(232,402)(103,494)(128,908)124.6 
Additional paid-in capital2,390,839 2,392,997 (2,158)(0.1)
Retained earnings1,327,997 1,196,522 131,475 11.0 
Accumulated other comprehensive income (loss)(103,668)(89,732)(13,936)15.5 
Total shareholders’ equity$3,871,378 $3,884,905 $(13,527)(0.3)%
Book value per share$42.35 $41.63 $0.72 1.7 %
The decline in shareholders’ equity is attributable to share repurchases under the Company’s stock repurchase program, increases in accumulated other comprehensive loss and dividends declared, offset by current period earnings.
Effective October 28, 2025, the Company’s Board of Directors approved a $150,000 stock repurchase program under which the Company is authorized to repurchase outstanding shares of its common stock either in open market purchases or privately negotiated transactions. Effective April 28, 2026, the Company’s Board of Directors increased the amount authorized for repurchase under the Company’s stock repurchase program by $100,000 (for a new aggregate authorization of $250,000). During the first half of 2026, the Company repurchased 3,451,319 shares under the program at an average price of $39.54 per share. This plan will remain in effect until the earlier of October 2026 or the repurchase of the entire amount authorized under the plan.
The Company has junior subordinated debentures with a carrying value of $141,184 at June 30, 2026, of which $136,789 was included in the Company’s Tier 2 capital.
The Company has subordinated notes with a par value of $673,400 at June 30, 2026, of which $654,952 is included in the Company’s Tier 2 capital.
The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that bank holding companies and banks must maintain. Those guidelines specify capital tiers, which include the following classifications:
Capital TiersTier 1 Capital to
Average Assets
(Leverage)		Common Equity Tier 1 to
Risk - Weighted Assets		Tier 1 Capital to
Risk - Weighted
Assets		Total Capital to
Risk - Weighted
Assets
Well capitalized5% or above6.5% or above8% or above10% or above
Adequately capitalized4% or above4.5% or above6% or above8% or above
UndercapitalizedLess than 4%Less than 4.5%Less than 6%Less than 8%
Significantly undercapitalizedLess than 3%Less than 3%Less than 4%Less than 6%
Critically undercapitalized Tangible Equity / Total Assets less than 2%
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The following table provides the capital, risk-based capital and leverage ratios for the Company and for Renasant Bank as of the dates presented:
ActualMinimum Capital
Requirement to be
Well Capitalized		Minimum Capital
Requirement to be
Adequately
Capitalized (including the Capital Conservation Buffer)
AmountRatioAmountRatioAmountRatio
June 30, 2026
Renasant Corporation:
Risk-based capital ratios:
Common equity tier 1 capital ratio$2,420,144 11.06 %$1,421,827 6.50 %$1,531,199 7.00 %
Tier 1 risk-based capital ratio2,420,144 11.06 1,749,941 8.00 1,859,313 8.50 
Total risk-based capital ratio3,486,230 15.94 2,187,427 10.00 2,296,798 10.50 
Leverage capital ratios:
Tier 1 leverage ratio2,420,144 9.55 1,266,939 5.00 1,013,551 4.00 
Renasant Bank:
Risk-based capital ratios:
Common equity tier 1 capital ratio$2,714,095 12.41 %$1,421,284 6.50 %$1,530,574 7.00 %
Tier 1 risk-based capital ratio2,714,095 12.41 1,749,228 8.00 1,858,554 8.50 
Total risk-based capital ratio2,988,000 13.67 2,186,535 10.00 2,295,861 10.50 
Leverage capital ratios:
Tier 1 leverage ratio2,714,095 10.72 1,265,582 5.00 1,012,466 4.00 
December 31, 2025
Renasant Corporation:
Risk-based capital ratios:
Common equity tier 1 capital ratio$2,424,528 11.24 %$1,402,647 6.50 %$1,510,543 7.00 %
Tier 1 risk-based capital ratio2,424,528 11.24 1,726,335 8.00 1,834,231 8.50 
Total risk-based capital ratio3,190,074 14.78 1,261,164 10.00 2,265,815 10.50 
Leverage capital ratios:
Tier 1 leverage ratio2,424,528 9.61 1,261,164 5.00 1,008,931 4.00 
Renasant Bank:
Risk-based capital ratios:
Common equity tier 1 capital ratio$2,590,284 12.00 %$1,403,433 6.50 %$1,511,389 7.00 %
Tier 1 risk-based capital ratio2,590,284 12.00 1,727,302 8.00 1,835,258 8.50 
Total risk-based capital ratio2,860,621 13.25 2,159,127 10.00 2,267,083 10.50 
Leverage capital ratios:
Tier 1 leverage ratio2,590,284 10.28 1,260,407 5.00 1,008,325 4.00 

The Company elected to take advantage of transitional relief offered by the Federal Reserve and FDIC to delay for two years the estimated impact of CECL on regulatory capital, followed by a three-year transitional period to phase out the capital benefit provided by the two-year delay. The three-year transitional period began on January 1, 2022; the full impact of CECL is reflected in our capital ratios as of June 30, 2026.
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Critical Accounting Estimates
We have identified certain accounting estimates that involve significant judgment and estimates which can have a material impact on our financial condition or results of operations. Our accounting policies are more fully described in Note 1, “Significant Accounting Policies,” in the Notes to Consolidated Financial Statements of the Company in Item 8, Financial Statements and Supplementary Data, in our Annual Report on Form 10-K for the year ended December 31, 2025. Actual amounts and values as of the balance sheet dates may be materially different from the amounts and values reported due to the inherent uncertainty in the estimation process. Also, future amounts and values could differ materially from those estimates due to changes in values and circumstances after the balance sheet date.
The accounting estimates that we believe to be the most critical in preparing our consolidated financial statements relate to the allowance for credit losses and acquisition accounting, which are described under “Critical Accounting Policies and Estimates” in Item 7, Management’s Discussion and Analysis of Financial Condition and Results of Operations, in our Annual Report on Form 10-K for the year ended December 31, 2025. Since December 31, 2025, there have been no material changes in these critical accounting estimates.
Item 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
The Company’s primary market risk exposure is to changes in interest rates. Interest rate risk is managed as part of the Company’s broader risk management practices. See the information under the heading “Interest Rate Risk” in the “Risk Management” section of Item 2, Management’s Discussion and Analysis of Financial Condition and Results of Operations, of this report for a description of the Company’s governance structure and risk management processes. There have been no material changes in our market risk since December 31, 2025. For additional information regarding our market risk, see our Annual Report on Form 10-K for the year ended December 31, 2025.

Item 4. CONTROLS AND PROCEDURES
Based on their evaluation as of the end of the period covered by this quarterly report on Form 10-Q, our Principal Executive Officer and Principal Financial Officer have concluded that due to the material weakness in the Company’s internal control over financial reporting discussed below, our disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended) are not effective for ensuring that information the Company is required to disclose in reports that it files or submits under the Securities Exchange Act of 1934, as amended, is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission’s rules and forms and that such information is accumulated and communicated to the Company’s management, including its Principal Executive and Principal Financial Officers, as appropriate to allow timely decisions regarding required disclosure.
Changes in internal control over financial reporting
Other than as described below in regard to our remediation of the material weakness identified in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025, no changes have occurred in our internal control over financial reporting (as such term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) during the period covered by this Quarterly Report on Form 10-Q that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.
Previously Identified Material Weakness
Based on the assessment of the effectiveness of the Company’s internal control over financial reporting as of December 31, 2025, as described in our Annual Report on Form 10-K for the year ended December 31, 2025, management concluded that the Company did not maintain effective internal control over financial reporting as of December 31, 2025 due to a material weakness related to the manual journal entry process impacting the Company’s general ledger accounts. We determined that, for a subset of journal entries that are manually entered into the Company’s general ledger, we failed to maintain effective segregation of duties. With respect to this subset of manual journal entries, it was possible for an individual to record an entry into our general ledger without prior approval. A material weakness is a deficiency, or a combination of deficiencies, in internal control over financial reporting, such that there is a reasonable possibility that a material misstatement of the Company’s annual or interim financial statements will not be prevented or detected on a timely basis. As stated in our Annual Report on Form 10-K, management concluded that the existence of this material weakness did not result in any material misstatement to any of the Company’s previously issued consolidated financial statements related to these control deficiencies.

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Remediation of Material Weakness
As noted above, the underlying cause of the above described material weakness was a failure to maintain effective segregation of duties for a subset of journal entries manually entered into the Company’s general ledger. To address this weakness, in the first quarter of 2026, the Company implemented the following new control procedures:
•We reduced the number of individuals with access to the Company’s general ledger on our core system. Following this change, only a limited number of individuals within the Company’s Finance Department retain the access necessary to effect such manual entries, which we believe reduces the likelihood that a journal entry would be manually entered without the required approval (as detailed in the next bullet).
•We implemented new supervision and review processes for journal entries manually entered directly into the Company’s general ledger on our core system:
◦Under the new process, before a manually-entered journal entry can be posted to the Company’s general ledger, a separate individual must approve the proposed journal entry. The processes also require that individuals performing the reviews have sufficient knowledge and experience in the relevant subject areas and are, therefore, qualified to perform such reviews.
◦To ensure the new process is properly executed, a member of the Company’s financial reporting staff routinely reviews a report of manual journal entries posted to our general ledger to ensure the entries were properly supported and approved prior to entry.
While we have taken steps to implement our remediation plan, the material weakness will not be considered remediated until the enhanced controls, discussed above, operate for a sufficient period of time and management has concluded, through testing, that the related controls are effective.
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Part II. OTHER INFORMATION

Item 1A. RISK FACTORS

When evaluating the risk of an investment in the Company’s common stock, potential investors should carefully consider the risk factors appearing in Part I, Item 1A, Risk Factors, of the Company’s Annual Report on Form 10-K for the year ended December 31, 2025. There have been no material changes from the risk factors set forth in our Annual Report on Form 10-K.

Item 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS
Unregistered Sales of Equity Securities
None.

Issuer Purchases of Equity Securities

During the three-month period ended June 30, 2026, the Company repurchased shares of its common stock as indicated in the following table:
Total Number of Shares Purchased(1)
Average Price Paid per Share
Total Number of Shares Purchased as Part of Publicly Announced Share Repurchase Plans(2)
Maximum Number or Approximate Dollar Value of Shares That May Yet Be Purchased Under Share Repurchase Plans(2)(3)
April 1, 2026 to April 30, 2026659,685 $38.36 658,779 $136,809 
May 1, 2026 to May 31, 2026877,212 40.43 874,929 101,809 
June 1, 2026 to June 30, 20263,665 41.40 — 101,809 
Total1,540,562 $39.55 1,533,708 
(1)Of the shares in this column, 6,854 shares represent shares withheld to satisfy the federal and state tax liabilities related to the vesting of time-based restricted stock awards.
(2)The Company announced a $150.0 million stock repurchase program in October 2025 under which the Company was authorized to repurchase outstanding shares of its common stock either in open market purchases or privately-negotiated transactions. Effective April 28, 2026, the Company’s Board of Directors increased the amount authorized for repurchase under the Company’s stock repurchase program by $100.0 million (for a new aggregate authorization of $250.0 million). During the second quarter of 2026, the Company repurchased 1,533,708 shares under the program. This program will remain in effect through October 2026 or, if earlier, the repurchase of the entire amount of common stock authorized to be repurchased.
(3)Dollars in thousands
Please refer to the information discussing restrictions on the Company’s ability to pay dividends under the heading “Liquidity and Capital Resources” in Part I, Item 2, Management’s Discussion and Analysis of Financial Condition and Results of Operations, of this report, which is incorporated by reference herein.

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Item 5. OTHER INFORMATION

Trading Plans
During the quarter ended June 30, 2026, no director or officer (as defined in Rule 16a-1(f) under the Securities Exchange Act of 1934, as amended) adopted or terminated any “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement” (each as defined in Item 408(a) of Regulation S-K).


Item 6. EXHIBITS
 
Exhibit
Number		Description
3.1
3.2
4.1
4.2
31.1
31.2

32.1


32.2


101The following materials from Renasant Corporation’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 were formatted in Inline XBRL (eXtensible Business Reporting Language): (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Income, (iii) Consolidated Statements of Comprehensive Income, (iv) Consolidated Statements of Changes in Shareholders’ Equity, (v) Consolidated Statements of Cash Flows and (vi) Notes to Consolidated Financial Statements (Unaudited).
104The cover page of Renasant Corporation’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2026, formatted in Inline XBRL (included in Exhibit 101).

(1)Filed as exhibit 3.1 to the Form 10-Q of the Company filed with the Securities and Exchange Commission (the “Commission”) on August 6, 2025, and incorporated herein by reference.
(2)Filed as exhibit 3(ii) to the Form 8-K of the Company filed with the Commission on May 1, 2026, and incorporated herein by reference.
(3)Filed as exhibit 4.1 to the Form 10-Q of the Company filed with the Commission on May 7, 2026, and incorporated herein by reference.

The Company does not have any long-term debt instruments under which securities are authorized exceeding ten percent of the total assets of the Company and its subsidiaries on a consolidated basis. The Company will furnish to the Commission, upon its request, a copy of all long-term debt instruments.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
 
RENASANT CORPORATION
(Registrant)
Date:August 5, 2026/s/ Kevin D. Chapman
Kevin D. Chapman
President and Chief Executive Officer
(Principal Executive Officer)
Date:August 5, 2026/s/ James C. Mabry IV
James C. Mabry IV
Executive Vice President and
Chief Financial Officer
(Principal Financial Officer)
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