Companies: 11,396     total market cap: $150.080 T
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Renasant Corp
RNST
#3777
Rank
$3.59 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
$39.91
Share price
-0.84%
Change (1 day)
14.72%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. Renasant Corp
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2026 Q3

Renasant Corp - 10-Q quarterly report FY2026 Q3


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 September 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 October 31, 2026, 90,169,278 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 September 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
14
Note 4 - Loans
19
Note 5 - Allowance for Credit Losses
34
Note 6 - Goodwill and Other Intangible Assets
37
Note 7 - Mortgage Servicing Rights
38
Note 8 - Employee Benefit and Deferred Compensation Plans
39
Note 9 - Derivative Instruments
40
Note 10 - Income Taxes
43
Note 11 - Fair Value Measurements
43
Note 12 - Other Comprehensive Income (Loss)
49
Note 13 - Net Income Per Common Share
51
Note 14 - Segment Reporting
51
Item 2.
Management’s Discussion and Analysis of Financial Condition and Results of Operations
55
Item 3.
Quantitative and Qualitative Disclosures about Market Risk
80
Item 4.
Controls and Procedures
80
PART II
Item 1A.
Risk Factors
82
Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds
82
Item 5.
Other Information
83
Item 6.
Exhibits
83
84



PART I. FINANCIAL INFORMATION
Item 1. FINANCIAL STATEMENTS

Renasant Corporation
Consolidated Balance Sheets

(In Thousands, Except Share Data)
(Unaudited)
September 30,
2026		December 31, 2025
Assets
Cash and due from banks$221,551 $299,592 
Interest-bearing balances with banks512,967 771,126 
Cash and cash equivalents734,518 1,070,718 
Securities held to maturity (fair value of $845,684 and $961,870, respectively)
956,981 1,030,073 
Securities available for sale, at fair value (amortized cost of $3,021,121 and $2,635,495, respectively)
2,835,332 2,560,818 
Loans held for sale, at fair value200,709 265,959 
Loans held for investment, net of unearned income19,752,119 19,047,039 
Allowance for credit losses on loans(296,094)(293,955)
Loans, net19,456,025 18,753,084 
Premises and equipment, net465,502 465,141 
Other real estate owned, net15,662 15,191 
Goodwill1,417,538 1,405,840 
Other intangible assets, net129,690 146,612 
Bank-owned life insurance498,298 492,541 
Mortgage servicing rights, net67,129 65,271 
Other assets740,797 480,178 
Total assets$27,518,181 $26,751,426 
Liabilities and shareholders’ equity
Liabilities
Deposits
Noninterest-bearing$5,001,023 $5,043,960 
Interest-bearing16,626,835 16,429,110 
Total deposits21,627,858 21,473,070 
Short-term borrowings806,481 555,774 
Long-term debt754,834 499,756 
Other liabilities496,908 337,921 
Total liabilities23,686,081 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; 90,356,578 and 94,636,207 shares outstanding, respectively
488,612 488,612 
Treasury stock, at cost – 7,365,819 and 3,086,190 shares, respectively
(275,384)(103,494)
Additional paid-in capital2,394,732 2,392,997 
Retained earnings1,384,885 1,196,522 
Accumulated other comprehensive loss, net of taxes(160,745)(89,732)
Total shareholders’ equity3,832,100 3,884,905 
Total liabilities and shareholders’ equity$27,518,181 $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 EndedNine Months Ended
September 30,September 30,
2026202520262025
Interest income
Loans$307,885 $312,785 $905,833 $818,792 
Securities
Taxable30,824 27,108 89,005 62,996 
Tax-exempt3,617 3,109 13,362 7,746 
Other5,009 8,096 17,695 25,792 
Total interest income347,335 351,098 1,025,895 915,326 
Interest expense
Deposits107,022 115,573 317,280 306,880 
Borrowings16,624 12,005 38,613 31,870 
Total interest expense123,646 127,578 355,893 338,750 
Net interest income223,689 223,520 670,002 576,576 
Provision for credit losses on loans10,105 9,650 15,495 87,100 
Provision for credit losses on unfunded commitments3,200 800 9,689 9,422 
Provision for credit losses13,305 10,450 25,184 96,522 
Net interest income after provision for credit losses210,384 213,070 644,818 480,054 
Noninterest income
Service charges on deposit accounts15,270 13,416 44,526 37,398 
Fees and commissions4,942 4,167 15,067 14,604 
Wealth management revenue9,211 8,217 26,962 22,629 
Mortgage banking income7,323 9,017 25,936 28,427 
BOLI income4,045 4,235 12,342 10,547 
Other8,484 6,974 25,904 17,150 
Total noninterest income49,275 46,026 150,737 130,755 
Noninterest expense
Salaries and employee benefits95,871 98,982 283,848 270,481 
Data processing5,411 5,541 15,669 15,068 
Net occupancy and equipment18,016 18,415 54,065 47,528 
Other real estate owned366 328 2,218 1,170 
Professional fees3,935 3,435 12,855 10,542 
Advertising and public relations4,945 5,254 14,221 14,041 
Intangible amortization8,332 8,674 24,922 18,638 
Communications3,389 3,955 10,964 9,172 
Merger and conversion related expenses— 17,494 — 38,764 
Other20,069 21,752 58,401 55,506 
Total noninterest expense160,334 183,830 477,163 480,910 
Income before income taxes99,325 75,266 318,392 129,899 
Income taxes20,376 15,478 64,124 27,575 
Net income$78,949 $59,788 $254,268 $102,324 
Basic earnings per share$0.87 $0.63 $2.76 $1.21 
Diluted earnings per share$0.86 $0.63 $2.74 $1.20 
See Notes to Consolidated Financial Statements.
2
Renasant Corporation
Consolidated Statements of Comprehensive Income (Unaudited)
(In Thousands)
 
Three Months EndedNine Months Ended
September 30,September 30,
2026202520262025
Net income$78,949 $59,788 $254,268 $102,324 
Other comprehensive income, net of tax:
Securities available for sale:
Unrealized holding (losses) gains on securities(64,230)11,585 (82,909)38,313 
Amortization of unrealized holding losses on securities transferred to the held to maturity category1,944 2,237 5,835 6,615 
Total securities available for sale(62,286)13,822 (77,074)44,928 
Derivative instruments:
Unrealized holding gains (losses) on derivative instruments4,508 (17)3,997 (4,096)
Amounts reclassified into earnings645 (1,009)1,898 383 
Total derivative instruments5,153 (1,026)5,895 (3,713)
Defined benefit pension and post-retirement benefit plans:
Amortization of net actuarial loss recognized in net periodic pension cost56 75 166 223 
Total defined benefit pension and post-retirement benefit plans56 75 166 223 
Other comprehensive (loss) income, net of tax(57,077)12,871 (71,013)41,438 
Comprehensive income$21,872 $72,659 $183,255 $143,762 

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
Nine Months Ended September 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 
Net income— $— $— $— $78,949 $— $78,949 
Other comprehensive loss— — — — — (57,077)(57,077)
Comprehensive income21,872 
Cash dividends ($0.24 per share)
— — — — (22,061)— (22,061)
Repurchase of shares in connection with stock repurchase program(1,049,834)— (43,094)— — — (43,094)
Issuance of common stock for stock-based compensation awards3,182 — 112 (155)— — (43)
Stock-based compensation expense— — — 4,048 — — 4,048 
Balance at September 30, 202690,356,578 $488,612 $(275,384)$2,394,732 $1,384,885 $(160,745)$3,832,100 
4
Common StockTreasury StockAdditional Paid-In CapitalRetained EarningsAccumulated Other Comprehensive Income (Loss)Total
Nine Months Ended September 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 
Net income— $— $— $— $59,788 $— $59,788 
Other comprehensive income— — — — — 12,871 12,871 
Comprehensive income72,659 
Cash dividends ($0.22 per share)
— — — — (21,153)— (21,153)
Measurement period adjustment related to common stock issued in connection with an acquisition— — — (9,090)— — (9,090)
Issuance of common stock for stock-based compensation awards1,570 — (49)(886)— — (935)
Stock-based compensation expense— — — 5,443 — — 5,443 
Balance at September 30, 202595,020,881 $488,612 $(90,297)$2,389,033 $1,139,600 $(101,170)$3,825,778 

See Notes to Consolidated Financial Statements.
5
Renasant Corporation
Consolidated Statements of Cash Flows (Unaudited)
(In Thousands)
Nine Months Ended September 30,
20262025
Operating activities
Net income$254,268 $102,324 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses25,184 96,522 
Depreciation, amortization and accretion7,721 13,167 
Deferred income tax benefit(853)(4,103)
Gain on sale of mortgage servicing rights— (1,467)
Funding of mortgage loans held for sale(1,057,590)(1,220,267)
Proceeds from sales of mortgage loans held for sale1,130,898 1,198,088 
Gains on sales of mortgage loans held for sale(12,455)(15,086)
Gains on sales of premises and equipment(13)(347)
Stock-based compensation13,906 13,527 
Income from bank-owned life insurance(12,342)(10,547)
Net change in operating leases4,434 7,613 
(Increase) decrease in other assets(133,466)3,238 
Increase (decrease) in other liabilities129,911 (18,278)
Net cash provided by operating activities349,603 164,384 
Investing activities
Purchases of securities available for sale(738,290)(1,058,969)
Proceeds from sales of securities available for sale— 686,485 
Proceeds from call/maturities of securities available for sale361,051 203,429 
Proceeds from call/maturities of securities held to maturity76,888 78,918 
Proceeds from sale of mortgage servicing rights— 9,353 
Net increase in loans(638,785)(929,248)
Purchases of premises and equipment(17,530)(30,337)
Proceeds from sales of premises and equipment815 1,366 
Proceeds from surrender of bank-owned life insurance— 56,255 
Purchases of FHLB stock(22,932)(18,205)
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 assets13,149 12,605 
Net cash (paid) received in acquisition of businesses(67,612)261,483 
Other, net6,585 3,783 
Net cash used in investing activities(1,101,716)(711,007)
Financing activities
Net increase in deposits154,788 395,159 
Net increase in short-term borrowings250,707 199,795 
Proceeds from the issuance of long-term debt, net of issuance costs295,755 — 
Repayment of long-term debt(40,000)— 
Cash paid for dividends(65,905)(56,578)
Repurchase of shares in connection with stock repurchase program(179,432)— 
Net cash provided by financing activities415,913 538,376 
Net decrease in cash and cash equivalents(336,200)(8,247)
Cash and cash equivalents at beginning of period1,070,718 1,092,032 
Cash and cash equivalents at end of period$734,518 $1,083,785 
6
Nine Months Ended September 30,
20262025
Supplemental disclosures
Cash paid for interest$345,872 $324,630 
Cash paid for income taxes$38,458 $21,281 
Noncash transactions:
Transfers of loans to other real estate owned$14,982 $4,057 
Common stock issued in acquisition of businesses$— $1,050,821 
Recognition of operating right-of-use assets and liabilities$8,777 $13,282 
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”) and Park Place Capital Corporation. 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.
In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the Consolidated Financial Statements or disclosed in the Notes to the Consolidated Financial Statements. There were no other material subsequent events to disclose for the current period.
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 combination.
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 credit losses (“ACL”) established at acquisition. The ACL recognized at acquisition for purchased credit deteriorated loans and purchased seasoned loans 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.
Equity investments: Equity investments which are not required to be consolidated are included in the “Other assets” line on the Consolidated Balance Sheets. For equity investments with a readily determinable fair value, the Company records these investments at fair value, with unrealized gains and losses recognized in the line item “Other noninterest income” on the Consolidated Statements of Income. For equity investments without a readily determinable fair value, the Company accounts for them under one of the following methods:
•Fair value through net income (the fair value option): The investments are recorded at fair value with unrealized gains and losses recognized in the line item “Other noninterest income” on the Consolidated Statements of Income. These investments include certain private equity, fintech, and real estate limited partnership investments.
•Cost method: this method is required for certain investments (including, for example, Federal Reserve and Federal Home Loan Bank stock). These investments are recorded at cost less any impairment, with any gains or losses recognized in the line item “Other noninterest income” on the Consolidated Statements of Income.
•Measurement alternative: this method is used for investments without readily determinable fair values, over which the Company: (1) does not have the ability to exert significant influence, (2) for which the company has not elected the fair value option or the proportional amortization method and (3) is not required to use the cost method. These investments are recorded at cost and are remeasured to fair value when either: (A) an observable price change occurs in an orderly transaction of the same or similar security of the same issuer; or (B) impairment. Gains and losses are recognized in the line item “Other noninterest income” on the Consolidated Statements of Income.
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•Proportional amortization method: This method is applied to affordable housing and renewable energy investments if certain eligibility criteria are met. The investments are initially recognized at cost plus unfunded commitments that are either legally binding, or contingent but probable. These investments are amortized in proportion to the income tax credits received, using the practical expedient. The amortization of the investments and the related tax impacts are recognized on a net basis in the line item “Income taxes” on the Consolidated Statements of Income.
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 for annual reporting periods beginning with the December 31, 2027 Form 10-K and for interim periods beginning with the March 31, 2028 Form 10-Q, and is not expected to have a significant impact on the Company’s financial statements.
On April 1, 2026, the Company early 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 prospectively to the factoring business combination completed on April 30, 2026, as discussed in Note 2, “Mergers and Acquisitions.”
In November 2025, the 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.
In October 2023, the FASB issued ASU 2023-06, “Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative,” which amends guidance to incorporate certain disclosure requirements adopted by the SEC. These amendments will be effective when or if the SEC removes corresponding requirements from regulations S-K or S-X. This ASU is not expected to have a significant impact on the Company’s financial statements.

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 nine months ended September 30, 2026. The Company incurred transaction costs of $17,494 and $38,764 during the three and nine months ended September 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
9
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 

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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 
Deposits$6,449,393 
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 the Bank’s subsidiary, Continental Republic Capital, LLC (doing business as “Republic Business Credit”), acquired a 100% ownership interest in certain factoring assets and business processes from REV Capital. This business combination provided the Company with factoring receivables, customer relationships and a contractual workforce, allowing the Company to expand further into the temporary staffing factoring industry.
The transaction was accounted for under the acquisition method. The purchase consideration allocation below is considered preliminary and is subject to revision.
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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(1,750)
Accrued fees906 
Customer relationship intangible6,200 
Contract-based intangible1,800 
Total assets$65,482 
Total identifiable assets acquired65,482 
Goodwill(2)
10,871 
  Total consideration transferred
$76,353 
(1) Includes holdback of $1,349.
(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 and remains the same as of September 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 business combination.
Given the nature of the assets acquired and the lack of historical financial data for the acquired assets, the Company has determined that it is impracticable to disclose pro forma financials or revenue and earnings since the date of acquisition.
Pending Acquisition of Commercial Holding Company, Inc. (“Commercial”)
On October 27, 2026, Renasant entered into an Agreement and Plan of Merger (the “Merger Agreement”) with Commercial. The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, Commercial will merge with and into Renasant (the “Merger”), with Renasant continuing as the surviving corporation in the Merger. Immediately
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following the Merger, Commercial’s wholly-owned bank subsidiary, Commercial Bank & Trust Company (“Commercial Bank”), will merge with and into Renasant Bank, with the Bank continuing as the surviving bank in the bank merger. The Merger strengthens the Company’s presence throughout West Tennessee and provides solid, long-tenured deposit and wealth management relationships. As of September 30, 2026, Commercial Bank had approximately $1,100,000 in total assets, $648,000 in total loans and $983,000 in total deposits. The Merger Agreement was unanimously approved by the Board of Directors of each of Renasant and Commercial, and the Merger is expected to close in the first quarter of 2027. Completion of the transaction is subject to customary closing conditions, including the receipt of required regulatory approvals and the approval of Commercial shareholders.
Subject to the terms and conditions of the Merger Agreement, at the effective time of the Merger, each outstanding share of common stock, par value $1.00 per share, of Commercial will be converted into the right to receive 0.8798 shares of common stock, par value $5.00 per share, of Renasant, with cash to be paid in lieu of any fractional shares. Commercial shareholders are also expected to receive a special dividend of approximately $35,700 prior to closing, subject to regulatory approval.
13
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 recorded on any of the Company’s available for sale securities as of September 30, 2026 or December 31, 2025.
 
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair
Value
September 30, 2026
Obligations of states and political subdivisions$302,908 $1,455 $(15,016)$289,347 
Residential mortgage-backed securities:
Agency mortgage-backed securities1,083,463 50 (47,293)1,036,220 
Collateralized mortgage obligations809,583 — (87,709)721,874 
Commercial mortgage-backed securities:
Agency mortgage-backed securities99,176 — (6,073)93,103 
Collateralized mortgage obligations401,707 2,360 (27,086)376,981 
Other debt securities324,284 221 (6,698)317,807 
$3,021,121 $4,086 $(189,875)$2,835,332 
 
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 


14
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
September 30, 2026
Obligations of states and political subdivisions$274,025 $— $(35,672)$238,353 
Residential mortgage-backed securities:
Agency mortgage-backed securities288,793 — (23,951)264,842 
Collateralized mortgage obligations296,069 — (38,700)257,369 
Commercial mortgage-backed securities:
Agency mortgage-backed securities16,724 — (2,647)14,077 
Collateralized mortgage obligations41,164 — (6,905)34,259 
Other debt securities40,238 — (3,454)36,784 
$957,013 $— $(111,329)$845,684 
Allowance for credit losses - held to maturity securities(32)
Held-to-maturity securities, net of allowance for credit losses$956,981 
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 nine months ended September 30, 2026 or the three months ended September 30, 2025. Securities sold during the nine months ended September 30, 2025 are presented in the table 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 nine months of 2025.
15
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Carrying ValueNet ProceedsGain/(Loss)
Nine months ended September 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 September 30, 2026 and December 31, 2025, securities with a carrying value of $1,451,221 and $1,732,787, respectively, were pledged to secure government, public and trust deposits. Securities with a carrying value of $7,967 were pledged as collateral for short-term borrowings, and no securities were pledged as collateral for derivative instruments, at September 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 September 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.
 
Held to MaturityAvailable for Sale
Amortized
Cost		Fair
Value		Amortized
Cost		Fair
Value
Due within one year$— $— $7,272 $7,258 
Due after one year through five years15,531 14,328 59,561 58,759 
Due after five years through ten years187,644 164,356 121,589 115,264 
Due after ten years70,850 59,669 155,727 148,638 
Residential mortgage-backed securities:
Agency mortgage-backed securities288,793 264,842 1,083,463 1,036,220 
Collateralized mortgage obligations296,069 257,369 809,583 721,874 
Commercial mortgage-backed securities:
Agency mortgage-backed securities16,724 14,077 99,176 93,103 
Collateralized mortgage obligations41,164 34,259 401,707 376,981 
Other debt securities40,238 36,784 283,043 277,235 
$957,013 $845,684 $3,021,121 $2,835,332 
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:
 
16
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
Available for Sale:
September 30, 2026
Obligations of states and political subdivisions188 $219,321 $(12,309)11$15,027 $(2,707)199$234,348 $(15,016)
Residential mortgage-backed securities:
Agency mortgage-backed securities59 869,219 (27,193)38163,294 (20,100)971,032,513 (47,293)
Collateralized mortgage obligations20 466,840 (13,569)38255,034 (74,140)58721,874 (87,709)
Commercial mortgage-backed securities:
Agency mortgage-backed securities1888,510 (5,750)14,593 (323)1993,103 (6,073)
Collateralized mortgage obligations39189,397 (6,516)2897,609 (20,570)67287,006 (27,086)
Other debt securities19 106,734 (3,362)10172,937 (3,336)29279,671 (6,698)
Total343$1,940,021 $(68,699)126$708,494 $(121,176)469$2,648,515 $(189,875)
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)
17
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:
September 30, 2026
Obligations of states and political subdivisions6$7,714 $(598)118$230,639 $(35,074)124$238,353 $(35,672)
Residential mortgage-backed securities:
Agency mortgage-backed securities438,021 (2,263)62226,821 (21,688)66264,842 (23,951)
Collateralized mortgage obligations—— — 18257,369 (38,700)18257,369 (38,700)
Commercial mortgage-backed securities:
Agency mortgage-backed securities—— — 114,077 (2,647)114,077 (2,647)
Collateralized mortgage obligations—— — 934,259 (6,905)934,259 (6,905)
Other debt securities—— — 1036,784 (3,454)1036,784 (3,454)
Total10$45,735 $(2,861)218$799,949 $(108,468)228$845,684 $(111,329)
December 31, 2025
Obligations of states and political subdivisions—$— $— 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 ratings 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 September 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 89% of the fair value 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
18
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
sensitive 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 September 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 on 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 September 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 September 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:
September 30,
2026		December 31, 2025
Commercial and industrial$3,150,897 $2,818,326 
Construction and land development
Residential396,732 382,773 
Other1,715,291 1,522,863 
Total construction and land development2,112,023 1,905,636 
Real estate – 1-4 family mortgage:
First lien3,858,628 3,844,097 
Junior lien51,989 52,943 
Home equity722,101 737,993 
Total real estate – 1-4 family mortgage4,632,718 4,635,033 
Commercial real estate - owner occupied3,388,836 3,334,664 
Commercial real estate - non-owner occupied
Multi family1,250,182 1,392,779 
Other5,122,865 4,852,701 
Total commercial real estate - non-owner occupied6,373,047 6,245,480 
Consumer94,598 107,900 
Loans, net of unearned income$19,752,119 $19,047,039 
The Company had unearned income of $4,349 and $5,152, unamortized net deferred fees of $8,011 and $1,900 and unamortized purchase accounting discounts, net of premiums, of $123,272 and $161,591 at September 30, 2026 and December 31, 2025, respectively.

19
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
September 30, 2026
Commercial and industrial$2,390 $229 $3,110,052 $3,112,671 $38,226 $3,150,897 
Construction and land development
Residential1 — 396,731 396,732 — 396,732 
Other209 — 1,706,287 1,706,496 8,795 1,715,291 
Total construction and land development210 — 2,103,018 2,103,228 8,795 2,112,023 
Real estate – 1-4 family mortgage:
First lien22,096 — 3,779,089 3,801,185 57,443 3,858,628 
Junior lien34 — 50,197 50,231 1,758 51,989 
Home equity3,704 66 715,814 719,584 2,517 722,101 
Total real estate – 1-4 family mortgage25,834 66 4,545,100 4,571,000 61,718 4,632,718 
Commercial real estate - owner occupied1,654 — 3,366,797 3,368,451 20,385 3,388,836 
Commercial real estate - non-owner occupied
Multi family353 — 1,249,227 1,249,580 602 1,250,182 
Other6,085 — 5,071,476 5,077,561 45,304 5,122,865 
Total commercial real estate - non-owner occupied6,438 — 6,320,703 6,327,141 45,906 6,373,047 
Consumer649 20 93,816 94,485 113 94,598 
Loans, net of unearned income$37,175 $315 $19,539,486 $19,576,976 $175,143 $19,752,119 
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 nine months ended September 30, 2026 and 2025 was immaterial.

20
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 three and nine months ended September 30, 2026 and 2025, respectively, by class of financing receivable and by type of modification:
Three Months Ended September 30, 2026
Term ExtensionPayment DelayInterest Rate Reduction and Payment DelayTerm Extension and Payment DelayInterest Rate Reduction, Term Extension and Payment DelayTotal% Total Loans by Class
Commercial and industrial$118 $67 $104 $— $— $289 0.01 %
Construction and land development
Residential— — — — — — — %
Other64 337 — — — 401 0.02 %
Total construction and land development64 337 — — — 401 0.02 %
Real estate – 1-4 family mortgage:
First lien— 697 — 458 106 1,261 0.03 %
Junior lien— — — — — — — %
Home equity8 251 — — — 259 0.04 %
Total real estate – 1-4 family mortgage8 948 — 458 106 1,520 0.03 %
Commercial real estate - owner occupied42 933 — — — 975 0.03 %
Commercial real estate - non-owner occupied
Multi family— — — — — — — %
Other— — — — — — — %
Total commercial real estate - non-owner occupied— — — — — — — %
Consumer— — — — — — — %
Loans, net of unearned income$232 $2,285 $104 $458 $106 $3,185 0.02 %
21
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Nine Months Ended September 30, 2026
Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Payment DelayTerm Extension and Payment DelayInterest Rate Reduction, Term Extension and Payment DelayTotal% Total Loans by Class
Commercial and industrial$— $167 $1,634 $104 $886 $— $2,791 0.09 %
Construction and land development
Residential— — — — — — — — %
Other— 64 337 — — — 401 0.02 %
Total construction and land development— 64 337 — — — 401 0.02 %
Real estate – 1-4 family mortgage:
First lien— 154 723 — 1,791 106 2,774 0.07 %
Junior lien— — — — — — — — %
Home equity— 8 270 — — — 278 0.04 %
Total real estate – 1-4 family mortgage— 162 993 — 1,791 106 3,052 0.07 %
Commercial real estate - owner occupied60 42 1,952 — — — 2,054 0.06 %
Commercial real estate - non-owner occupied
Multi family— — — — 741 — 741 0.06 %
Other73 — 11,954 — 116 — 12,143 0.24 %
Total commercial real estate - non-owner occupied73 — 11,954 — 857 — 12,884 0.20 %
Consumer— — — — 24 — 24 0.03 %
Loans, net of unearned income$133 $435 $16,870 $104 $3,558 $106 $21,206 0.11 %
Three Months Ended September 30, 2025
Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension and Payment DelayInterest Rate Reduction and Term ExtensionTotal% Total Loans by Class
Commercial and industrial$— $27,025 $— $101 $— $27,126 0.98 %
Construction and land development
Residential— — — — — — — %
Other— 33 — — — 33 — %
Total construction and land development— 33 — — — 33 — %
Real estate – 1-4 family mortgage:
First lien— — 157 17 — 174 0.15 %
Junior lien— — — — — — — %
Home equity— 39 124 — — 163 0.22 %
Total real estate – 1-4 family mortgage— 39 281 17 — 337 0.08 %
Commercial real estate - owner occupied1,142 — — 142 1,284 0.17 %
Commercial real estate - non-owner occupied
Multi family— — — — — — — %
Other— — — — 357 357 0.01 %
Total commercial real estate - non-owner occupied— — — — 357 357 0.01 %
Consumer— — — 11 — 11 — %
Loans, net of unearned income$1,142 $27,097 $281 $129 $499 $29,148 0.15 %
22
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Nine Months Ended September 30, 2025
Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension and Payment DelayInterest Rate Reduction and Term ExtensionInterest Rate Reduction, Term Extension and Payment DelayTotal% Total Loans by Class
Commercial and industrial$— $27,025 $— $101 $— $— $27,126 0.98 %
Construction and land development
Residential— — — 235 — — 235 0.01 %
Other— 33 — — — — 33 — %
Total construction and land development— 33 — 235 — — 268 0.01 %
Real estate – 1-4 family mortgage:
First lien— — 157 17 — — 174 0.15 %
Junior lien— — — — — — — — %
Home equity— 39 124 — — — 163 0.22 %
Total real estate – 1-4 family mortgage— 39 281 17 — — 337 0.08 %
Commercial real estate - owner occupied1,142 — — — 142 — 1,284 0.17 %
Commercial real estate - non-owner occupied
Multi family— — — — — — — — %
Other— 2,077 — — 357 — 2,434 0.08 %
Total commercial real estate - non-owner occupied— 2,077 — — 357 — 2,434 0.07 %
Consumer— 81 6 13 — 2 102 — %
Loans, net of unearned income$1,142 $29,255 $287 $366 $499 $2 $31,551 0.17 %

23
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 September 30, 2026
Loan TypeFinancial Effect
Term Extension
Commercial and industrial
Extended the term 18 months
Construction and land development - Other
Extended the term 7 months
Real estate – 1-4 family mortgage - Home equity
Extended the term 60 months
Commercial real estate - owner occupied
Extended the term 12 months
Payment Delay
Commercial and industrial
Delayed the payment 8 months
Construction and land development - Other
Delayed the payment 23 months
Real estate – 1-4 family mortgage - First lien
Delayed the payment 12 months
Real estate – 1-4 family mortgage - Home equity
Delayed the payment 51 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 57 months
Combination - Interest Rate Reduction and Payment Delay
Commercial and industrial
Reduced the interest rate 100 basis points and delayed the payment 49 months
Combination - Interest Rate Reduction, Term Extension and Payment Delay
Real estate – 1-4 family mortgage - First lien
Reduced the interest rate 138 basis points and extended the term and delayed the payment 98 months
24
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Nine Months Ended September 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 15 months
Construction and land development - Other
Extended the term 7 months
Real estate – 1-4 family mortgage - First lien
Extended the term 34 months
Real estate – 1-4 family mortgage - Home equity
Extended the term 60 months
Commercial real estate - owner occupied
Extended the term 12 months
Payment Delay
Commercial and industrial
Delayed the payment 9 months
Construction and land development - Other
Delayed the payment 23 months
Real estate – 1-4 family mortgage - First lien
Delayed the payment 12 months
Real estate – 1-4 family mortgage - Home equity
Delayed the payment 57 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 24 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
Combination - Interest Rate Reduction and Payment Delay
Commercial and industrial
Reduced the interest rate 100 basis points and delayed the payment 49 months
Combination - Interest Rate Reduction, Term Extension and Payment Delay
Real estate – 1-4 family mortgage - First lien
Reduced the interest rate 138 basis points and extended the term and delayed the payment 98 months
25
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Three Months Ended September 30, 2025
Loan TypeFinancial Effect
Interest Rate Reduction
Commercial real estate - owner occupied
Reduced the interest rate 485 basis points
Term Extension
Commercial and industrial
Extended the term 12 months
Construction and land development - Other
Extended the term 60 months
Real estate – 1-4 family mortgage - Home equity
Extended the term 56 months
Payment Delay
Real estate – 1-4 family mortgage - First lien
Delayed the payment 16 months
Real estate – 1-4 family mortgage - Home equity
Delayed the payment 51 months
Combination - Term Extension and Payment Delay
Commercial and industrial
Extended the term and delayed the payment 22 months
Real estate – 1-4 family mortgage - First lien
Extended the term and delayed the payment 19 months
Consumer
Extended the term and delayed the payment 43 months
Combination - Interest Rate Reduction and Term Extension
Commercial real estate - owner occupied
Reduced the interest rate 45 basis points and extended the term 80 months
Commercial real estate - non-owner occupied - Other
Reduced the interest rate 45 basis points and extended the term 81 months
26
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Nine Months Ended September 30, 2025
Loan TypeFinancial Effect
Interest Rate Reduction
Commercial real estate - owner occupied
Reduced the interest rate 485 basis points
Term Extension
Commercial and industrial
Extended the term 12 months
Construction and land development - Other
Extended the term 60 months
Real estate – 1-4 family mortgage - Home equity
Extended the term 56 months
Commercial real estate - non-owner occupied - Other
Extended the term 12 months
Consumer
Extended the term 124 months
Payment Delay
Real estate – 1-4 family mortgage - First lien
Delayed the payment 16 months
Real estate – 1-4 family mortgage - Home equity
Delayed the payment 50 months
Consumer
Delayed the payment 23 months
Combination - Term Extension and Payment Delay
Commercial and industrial
Extended the term and delayed the payment 22 months
Construction and land development - Residential
Extended the term and delayed the payment 35 months
Real estate – 1-4 family mortgage - First lien
Extended the term and delayed the payment 19 months
Consumer
Extended the term and delayed the payment 45 months
Combination - Interest Rate Reduction and Term Extension
Commercial real estate - owner occupied
Reduced the interest rate 45 basis points and extended the term 80 months
Commercial real estate - non-owner occupied - Other
Reduced the interest rate 45 basis points and extended the term 81 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 to lend additional funds to borrowers experiencing financial difficulty whose loans were modified totaled $648 and $647 at September 30, 2026 and 2025, respectively. During the nine months ended September 30, 2026, there were $36 of payment defaults on loans that had been modified by term extension for borrowers experiencing financial difficulty within the preceding twelve months. There were no such payment defaults in the nine months ended September 30, 2025 .
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 $1,184,639 and $681,719 of its non-real estate loan portfolio to the Federal Reserve as collateral at the Discount Window at September 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
September 30, 2026
Commercial and industrial$442,245 $569,382 $220,684 $131,375 $177,244 $161,624 $1,378,332 $22,999 $3,103,885 
Pass439,976 544,891 216,686 127,337 165,099 158,380 1,327,772 20,036 3,000,177 
27
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Special mention1,317 814 1,833 619 6,255 2,057 24,099 — 36,994 
Classified952 23,677 2,165 3,419 5,890 1,187 26,461 2,963 66,714 
Current period gross charge-offs502 8,575 170 342 257 1,364 4 2,158 13,372 
Construction and land development$809,913 $822,951 $194,380 $49,016 $34,585 $19,952 $61,932 $189 $1,992,918 
Residential225,001 75,521 2,514 — — — 2,176 119 305,331 
Pass225,001 75,003 2,514 — — — 2,176 119 304,813 
Special mention— 518 — — — — — — 518 
Classified— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Other$584,912 $747,430 $191,866 $49,016 $34,585 $19,952 $59,756 $70 $1,687,587 
Pass584,417 737,891 191,527 48,129 32,055 19,805 59,756 70 1,673,650 
Special mention26 2,825 — 655 33 — — — 3,539 
Classified469 6,714 339 232 2,497 147 — — 10,398 
Current period gross charge-offs— — — — — — — — — 
Real Estate - 1-4 Family Mortgage$239,054 $235,592 $126,440 $103,946 $164,455 $120,314 $110,665 $734 $1,101,200 
First lien229,486 221,241 120,850 97,309 161,584 117,755 3,810 413 952,448 
Pass229,290 219,712 118,010 94,452 159,247 115,791 3,810 413 940,725 
Special mention71 29 570 47 429 566 — — 1,712 
Classified125 1,500 2,270 2,810 1,908 1,398 — — 10,011 
Current period gross charge-offs— — — 101 24 11 — — 136 
Junior lien$9,123 $13,169 $4,811 $5,784 $2,601 $2,297 $217 $— $38,002 
Pass8,928 11,990 4,524 5,199 2,577 1,739 217 — 35,174 
Special mention85 354 203 — — — — — 642 
Classified110 825 84 585 24 558 — — 2,186 
Current period gross charge-offs— 19 — — 92 11 — — 122 
Home equity$445 $1,182 $779 $853 $270 $262 $106,638 $321 $110,750 
Pass321 1,182 779 853 270 262 106,085 270 110,022 
Special mention— — — — — — 351 — 351 
Classified124 — — — — — 202 51 377 
Current period gross charge-offs— — — — 73 22 — 210 305 
Commercial real estate - owner occupied$449,591 $588,403 $552,208 $341,018 $451,987 $786,979 $218,197 $453 $3,388,836 
Pass441,701 583,435 532,535 328,472 440,059 750,947 216,287 — 3,293,436 
Special mention7,808 1,801 9,129 6,491 6,991 16,113 1,546 — 49,879 
Classified82 3,167 10,544 6,055 4,937 19,919 364 453 45,521 
Current period gross charge-offs300 — 175 496 392 46 — — 1,409 
Commercial real estate - non owner occupied$1,158,948 $1,467,892 $811,250 $632,729 $1,313,823 $898,833 $87,548 $2,024 $6,373,047 
Multi family273,841 291,526 128,338 156,496 316,060 80,867 3,054 — 1,250,182 
Pass272,993 263,967 125,325 156,496 315,707 80,867 3,054 — 1,218,409 
Special mention— 26,957 — — — — — — 26,957 
Classified848 602 3,013 — 353 — — — 4,816 
Current period gross charge-offs— — — — — 177 — — 177 
28
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Other$885,107 $1,176,366 $682,912 $476,233 $997,763 $817,966 $84,494 $2,024 $5,122,865 
Pass880,686 1,159,083 675,449 448,769 948,645 750,960 82,472 — 4,946,064 
Special mention352 785 5,284 12,060 8,916 7,299 547 — 35,243 
Classified4,069 16,498 2,179 15,404 40,202 59,707 1,475 2,024 141,558 
Current period gross charge-offs— — 198 — — — — — 198 
Consumer$— $— $— $— $— $— $— $— $— 
Pass— — — — — — — — — 
Special mention— — — — — — — — — 
Classified— — — — — — — — — 
Current period gross charge-offs6 83 11 30 2 8 26 33 199 
Total loans subject to risk rating$3,099,751 $3,684,220 $1,904,962 $1,258,084 $2,142,094 $1,987,702 $1,856,674 $26,399 $15,959,886 
Pass3,083,313 3,597,154 1,867,349 1,209,707 2,063,659 1,878,751 1,801,629 20,908 15,522,470 
Special mention9,659 34,083 17,019 19,872 22,624 26,035 26,543 — 155,835 
Classified6,779 52,983 20,594 28,505 55,811 82,916 28,502 5,491 281,581 
Current period gross charge-offs808 8,677 554 969 840 1,639 30 2,401 15,918 
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 
29
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
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 
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 
30
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
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
September 30, 2026
Commercial and industrial$47,012 $— $— $— $— $— $— $— $47,012 
Performing Loans47,012 — — — — — — — 47,012 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs110 — — — — — — — 110 
Construction and land development$40,923 $49,342 $10,540 $4,157 $3,738 $9,893 $512 $— $119,105 
Residential36,824 43,626 8,633 — — 1,806 512 — 91,401 
Performing Loans36,824 43,626 8,633 — — 1,806 512 — 91,401 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Other$4,099 $5,716 $1,907 $4,157 $3,738 $8,087 $— $— $27,704 
Performing Loans4,099 5,716 1,907 4,130 3,551 8,057 — — 27,460 
Non-Performing Loans— — — 27 187 30 — — 244 
Current period gross charge-offs— — — — — 1 — — 1 
Real Estate - 1-4 Family Mortgage$250,228 $317,852 $190,576 $311,398 $733,193 $1,119,862 $591,473 $16,936 $3,531,518 
First lien248,905 316,431 186,775 309,531 730,113 1,114,399 26 — 2,906,180 
Performing Loans248,905 314,291 185,131 304,204 709,787 1,090,892 26 — 2,853,236 
Non-Performing Loans— 2,140 1,644 5,327 20,326 23,507 — — 52,944 
Current period gross charge-offs— — — — — 327 — — 327 
Junior lien$1,323 $1,421 $3,687 $1,508 $2,377 $3,624 $47 $— $13,987 
Performing Loans1,323 1,421 3,677 1,508 2,377 3,307 47 — 13,660 
Non-Performing Loans— — 10 — — 317 — — 327 
Current period gross charge-offs— — — — — — — — — 
Home equity$— $— $114 $359 $703 $1,839 $591,400 $16,936 $611,351 
Performing Loans— — 114 180 703 1,770 591,167 14,972 608,906 
Non-Performing Loans— — — 179 — 69 233 1,964 2,445 
Current period gross charge-offs— — — — — — — 104 104 
Commercial real estate - owner occupied$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Commercial real estate - non owner occupied$— $— $— $— $— $— $— $— $— 
Multi family— — — — — — — — — 
Performing Loans— — — — — — — — — 
31
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Other$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Consumer$33,128 $16,507 $7,298 $4,618 $3,522 $9,738 $19,698 $89 $94,598 
Performing Loans33,100 16,490 7,283 4,595 3,500 9,710 19,698 89 94,465 
Non-Performing Loans28 17 15 23 22 28 — — 133 
Current period gross charge-offs— 161 20 20 6 388 17 160 772 
Total loans not subject to risk rating$371,291 $383,701 $208,414 $320,173 $740,453 $1,139,493 $611,683 $17,025 $3,792,233 
Performing Loans371,263 381,544 206,745 314,617 719,918 1,115,542 611,450 15,061 3,736,140 
Non-Performing Loans28 2,157 1,669 5,556 20,535 23,951 233 1,964 56,093 
Current period gross charge-offs110 161 20 20 6 716 17 264 1,314 
Term Loans Amortized Cost Basis by Origination Year
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
December 31, 2025
Commercial and industrial$— $— $— $— $— $— $— $— $— 
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 $— $— $14,971 
Performing Loans1,857 4,081 1,689 2,868 968 3,050 — — 14,513 
32
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Non-Performing Loans— 7 56 — — 395 — — 458 
Current period gross charge-offs— 53 — — — 7 — — 60 
Home equity$— $116 $363 $714 $218 $2,260 $609,124 $15,049 $627,844 
Performing Loans— 116 184 714 218 1,960 608,808 13,334 625,334 
Non-Performing Loans— — 179 — — 300 316 1,715 2,510 
Current period gross charge-offs— — — — 148 79 — — 227 
Commercial real estate - owner occupied$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Commercial real estate - non owner occupied$— $— $— $— $— $— $— $— $— 
Multi family— — — — — — — — — 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Current period gross charge-offs— — — — — — — — — 
Other$— $— $— $— $— $— $— $— $— 
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 

33
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Note 5 – Allowance for Credit Losses
(In Thousands)
Allowance for Credit Losses on Loans
As of September 30, 2026 and December 31, 2025, the Company had accrued interest receivable for loans of $70,811 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 September 30, 2026
Allowance for credit losses:
Beginning balance$67,357 $39,885 $66,837 $35,947 $81,759 $4,223 $296,008 
Charge-offs(10,189)— (67)(46)(1)(322)(10,625)
Recoveries354 — 96 85 7 64 606 
Net (charge-offs) recoveries(9,835)— 29 39 6 (258)(10,019)
Provision for (recovery of) credit losses on loans8,634 5,379 (2,962)(3,292)2,501 (155)10,105 
Ending balance$66,156 $45,264 $63,904 $32,694 $84,266 $3,810 $296,094 
Nine Months Ended September 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 purchased seasoned loans acquired during the period
1,750 — — — — — 1,750 
Charge-offs(13,482)(1)(994)(1,409)(375)(971)(17,232)
Recoveries886 2 255 768 88 127 2,126 
Net (charge-offs) recoveries(12,596)1 (739)(641)(287)(844)(15,106)
Provision for (recovery of) credit losses on loans19,171 13,904 3,394 (5,626)(15,052)(296)15,495 
Ending balance$66,156 $45,264 $63,904 $32,694 $84,266 $3,810 $296,094 
Nonaccruing loans with no allowance for credit losses$29,482 $2,093 $2,312 $4,300 $27,981 $— $66,168 
34
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 September 30, 2025
Allowance for credit losses:
Beginning balance$61,410 $30,294 $61,172 $31,127 $100,667 $6,100 $290,770 
Initial impact of PCD loans acquired during the period1,856 — 505 231 (1,082)— 1,510 
Charge-offs(2,601)(193)(586)(1,135)— (539)(5,054)
Recoveries141 153 83 280 3 55 715 
Net (charge-offs) recoveries (2,460)(40)(503)(855)3 (484)(4,339)
Provision for (recovery of) credit losses on loans1,617 1,794 790 3,349 2,536 (436)9,650 
Ending balance$62,423 $32,048 $61,964 $33,852 $102,124 $5,180 $297,591 
Nine Months Ended September 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 PCD loans acquired during the period8,996 2,185 708 4,290 8,822 2 25,003 
Charge-offs(10,911)(299)(1,214)(5,540)— (1,198)(19,162)
Recoveries1,738 154 153 344 61 444 2,894 
Net (charge-offs) recoveries(9,173)(145)(1,061)(5,196)61 (754)(16,268)
Provision for (recovery of) credit losses on loans20,736 10,808 16,819 17,765 21,577 (605)87,100 
Ending balance$62,423 $32,048 $61,964 $33,852 $102,124 $5,180 $297,591 
Nonaccruing loans with no allowance for credit losses$25,042 $4,412 $4,272 $6,444 $11,038 $— $51,208 
 The Company recorded a provision for credit losses on loans of $10,105 during the third quarter of 2026, as compared to a provision for credit losses on loans of $9,650 recorded in the third quarter of 2025. The allowance for credit losses in the third quarter of 2026 remained adequate and relatively stable as compared to the prior quarter’s ACL balance. The increase in the allowance for credit losses as of September 30, 2026 as compared to December 31, 2025 was primarily driven by loan growth, coupled with changes in the macroeconomic environment partially offset by improvements in the asset credit quality. The Company’s allowance for credit losses model considers current economic conditions, economic projections, primarily the national unemployment rate and GDP, over a reasonable and supportable period of two years, historical loss data, and environmental factors. The allowance for credit losses under CECL is calculated utilizing the probability of default/loss given default approach for most commercial mortgage related pools, while the average historical life-of-loan loss rate cohort approach is used for the remaining pools.
Collateral Dependent Loans
The following tables present collateral dependent loans by loan portfolio segment and by type of collateral along with the
related allowance for credit losses:
35
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Collateral Type
September 30, 2026Real EstateOtherTotalAllowance for Credit Losses
Commercial and industrial$— $39,809 $39,809 $3,021 
Construction and land development
Residential— — — — 
Other8,187 — 8,187 3,128 
Total construction and land development8,187 — 8,187 3,128 
Real estate - 1-4 family mortgage
First lien2,312 — 2,312 — 
Junior lien— — — — 
Home equity— — — — 
Total real estate – 1-4 family mortgage2,312 — 2,312 — 
Commercial real estate - owner occupied12,291 — 12,291 2,888 
Commercial real estate - non-owner occupied
Multi family— — — — 
Other42,235 — 42,235 5,650 
Total commercial real estate - non-owner occupied42,235 — 42,235 5,650 
Consumer— — — — 
Loans, net of unearned income$65,025 $39,809 $104,834 $14,687 
Collateral Type
December 31, 2025Real EstateOtherTotalAllowance for Credit Losses
Commercial and industrial$— $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 ACL 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, Commercial Real Estate - Owner Occupied and Commercial Real Estate - Non-owner Occupied segments.
36
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 September 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$36,316 $23,565 
Provision for credit losses on unfunded loan commitments3,200 800 
Ending balance$39,516 $24,365 
Nine Months Ended September 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$29,827 $14,943 
Provision for credit losses on unfunded loan commitments9,689 9,422 
Ending balance$39,516 $24,365 
The provision for credit losses on unfunded commitments in the third quarter of 2026 was primarily driven by growth in the balance of unfunded loan commitments in the commercial construction related pool.
Note 6 – Goodwill and Other Intangible Assets
(In Thousands)
The carrying amounts of goodwill by operating segments for the nine months ended September 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 September 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
September 30, 2026
Core deposit intangible$242,102 $(121,295)$120,807 
Customer relationship intangible13,870 (6,537)7,333 
Contract-based intangible1,800 (250)1,550 
Total finite-lived intangible assets$257,772 $(128,082)$129,690 
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 

37
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Amortization expense for finite-lived intangible assets is presented in the table below:
Three Months EndedNine Months Ended
September 30,September 30,
2026202520262025
Amortization expense for:
  Core deposit intangible$7,579 $8,412 $23,359 $17,852 
  Customer relationship intangible603 262 1,313 786 
  Contract-based intangible150 — 250 — 
Total intangible amortization$8,332 $8,674 $24,922 $18,638 
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 (October-December)$7,373 $580 $150 $8,103 
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$120,807 $7,333 $1,550 $129,690 

Note 7 – Mortgage Servicing Rights
(In Thousands)
There was no valuation adjustment on mortgage servicing rights (“MSRs”) during the three or nine months ended September 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)
Additions8,295 7,092 
Amortization(6,437)(6,731)
Balance at September 30
$67,129 $65,466 
See Note 11, “Fair Value Measurements”, for the estimated fair value of MSRs at each balance sheet date.

38
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:
September 30, 2026December 31, 2025
Unpaid principal balance$5,702,542 $5,648,033 
Weighted-average prepayment speed (CPR)6.73 %10.90 %
Estimated impact of a 10% increase$(2,506)$(2,953)
Estimated impact of a 20% increase(4,794)(5,719)
Discount rate9.86 %9.85 %
Estimated impact of a 10% increase$(4,636)$(3,199)
Estimated impact of a 20% increase(8,898)(6,195)
Weighted-average coupon interest rate4.71 %4.59 %
Weighted-average servicing fee (basis points)33.62 33.86 
Weighted-average remaining maturity (in years)8.66.8
The movement of mortgage interest rates has an inverse relationship with prepayment speeds and discount rates.
The Company recorded servicing fees of $4,092 and $2,841 for the three months ended September 30, 2026 and 2025, respectively, and $10,452 and $9,498 for the nine months ended September 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 nine months ended September 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 35.75 348,717 37.22 
Vested— — (417,589)34.56 
Forfeited or cancelled(7,668)37.05 (32,789)35.86 
Nonvested at end of period263,452 $34.82 1,106,532 $35.27 
Unrecognized stock-based compensation expense related to restricted stock totaled $20,053 at September 30, 2026. As of such date, the weighted average period over which the unrecognized expense is expected to be recognized was approximately 1.87 years.
During the nine months ended September 30, 2026, the Company reissued 219,894 shares from treasury in connection with awards of restricted stock. The Company recorded total stock-based compensation expense of $4,048 and $5,443 for the three months ended September 30, 2026 and 2025, respectively, and $13,906 and $13,527 for the nine months ended September 30, 2026 and 2025, respectively.
39
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 nine months ended September 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 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 SheetSeptember 30, 2026December 31, 2025
LocationNotional AmountFair ValueNotional AmountFair Value
Derivative assets:
  Interest rate contractsOther Assets$1,908,166 $46,351 $1,784,028 $28,590 
  Interest rate lock commitmentsOther Assets50,236 581 92,881 1,419 
Forward commitmentsOther Assets183,000 5,202 33,000 53 
Totals$2,141,402 $52,134 $1,909,909 $30,062 
Derivative liabilities:
  Interest rate contractsOther Liabilities$1,908,166 $46,347 $1,784,028 $28,595 
Interest rate lock commitmentsOther Liabilities42,283 519 5,904 14 
  Forward commitmentsOther Liabilities6,000 2 196,000 593 
Totals$1,956,449 $46,868 $1,985,932 $29,202 
Gains and losses included in the Consolidated Statements of Income related to the Company’s derivatives not designated as hedging instruments were as follows for the periods presented:
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Interest rate lock commitments:
Included in mortgage banking income$(1,873)$(1,029)$(1,343)$944 
Forward commitments:
Included in mortgage banking income5,107 2,423 5,740 (2,129)
Total$3,234 $1,394 $4,397 $(1,185)
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 interest rate. The collar hedging strategy limits the benefit to interest income when rates exceed the cap but protects interest
40
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
income from interest rate fluctuations below the floor strike rate. The Company expects the hedges to remain effective during the remaining terms of the swaps and collars, which run through March 2032.
The following table provides a summary of the Company’s derivatives designated as cash flow hedges as of the dates presented:
Balance SheetSeptember 30, 2026December 31, 2025
LocationNotional AmountFair ValueNotional AmountFair Value
Derivative assets:
  Interest rate swapsOther Assets$30,000 $1,010 $130,000 $16,907 
  Interest rate collarsOther Assets— — 450,000 129 
Total$30,000 $1,010 $580,000 $17,036 
Derivative liabilities:
  Interest rate swapsOther Liabilities$100,000 $80 $— $— 
  Interest rate collarsOther Liabilities450,000 — — — 
Totals$550,000 $80 $— $— 
The impact on other comprehensive income for the three months ended September 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 the fair value of qualifying cash flow hedges are initially reported in other comprehensive income and are reclassified into earnings when the hedged cash flows affect earnings. The impact on other comprehensive income for the nine months ended September 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 2035.
The following table provides a summary of the Company’s derivatives designated as fair value hedges as of the dates presented:
Balance SheetSeptember 30, 2026December 31, 2025
LocationNotional AmountFair ValueNotional AmountFair Value
Derivative assets:
  Interest rate swaps - subordinated notesOther Assets$100,000 $131 $— $— 
  Interest rate swaps - securitiesOther Assets15,395 394 — — 
Totals$115,395 $525 $— $— 
Derivative liabilities:
  Interest rate swaps - subordinated notesOther Liabilities$— $— $100,000 $12,280 
  Interest rate swaps - securitiesOther Liabilities67,595 437 3,430 2 
Totals$67,595 $437 $103,430 $12,282 

41
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 September 30,Nine Months Ended September 30,
Location2026202520262025
Derivative liabilities:
Settlement of interest rate swaps - subordinated notesInterest Expense$799 $1,002 $2,317 $2,889 
Settlement of interest rate swaps - securitiesInterest Income(9)19 11 19 
  Interest rate swaps - subordinated notesInterest Expense2,288 842 2,691 4,771 
Interest rate swaps - securitiesInterest Income3,384 (56)3,888 (56)
Totals$6,462 $1,807 $8,907 $7,623 
Derivative liabilities - hedged items:
  Interest rate swaps - subordinated notesInterest Expense$(2,288)$(842)$(2,691)$(4,771)
Interest rate swaps - securitiesInterest Income(3,384)56 (3,888)56 
Totals$(5,672)$(786)$(6,579)$(4,715)
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 LocationSeptember 30, 2026December 31, 2025September 30, 2026December 31, 2025
Long-term debt$84,349 $86,911 $14,971 $12,280 
Securities available for sale44,756 17,780 3,894 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 $72,770 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 $309,171 and maturities between 2026 and 2032.
The maximum potential amount of future payments under these risk participation agreements as of September 30, 2026 was approximately $7,458. 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 September 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
42
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
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:

Offsetting Derivative AssetsOffsetting Derivative Liabilities
September 30,
2026		December 31, 2025September 30,
2026		December 31, 2025
Gross amounts recognized$46,977 $21,867 $379 $17,650 
Gross amounts offset in the Consolidated Balance Sheets— — — — 
Net amounts presented in the Consolidated Balance Sheets46,977 21,867 379 17,650 
Gross amounts not offset in the Consolidated Balance Sheets
Financial instruments - derivative assets available for offset379 17,110 379 17,110 
Financial collateral (cash) pledged35,500 — — 20 
Net amounts$11,098 $4,757 $— $520 

Note 10 – Income Taxes
The effective tax rate was 20.14% and 21.23% for the nine months ended September 30, 2026 and 2025, respectively. The Company calculates the provision for income taxes by applying the estimated annual effective tax rate to year-to-date pre-tax income and then adjusting for discrete items that occurred during the period. The decrease in the effective tax rate over the comparative period 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, derivative instruments and contingent consideration. The Company has elected to carry mortgage loans held for sale and certain equity investments 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 states and political subdivisions, mortgage-backed securities and other debt securities, are valued using model-based valuation techniques where all significant
43
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
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 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: 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.
Equity investments: The Company owns an interest in an open-ended mutual fund with a published daily net asset value which investors can freely subscribe to or redeem from; therefore, the equity interest is recorded at fair value and classified within Level 1 of the fair value hierarchy. Additionally, the Company has elected to account for its investments in licensed Small Business Investment Companies and fintech funds, which are “investment companies” within the scope of ASC 946, “Investment Companies,” under the fair value option utilizing net asset value (“NAV”) as a practical expedient, and therefore has not included these investments in the fair value hierarchy. Lastly, the Company owns an equity interest in a limited partnership that invests in rental real estate, which the Company has elected to record the investment at fair value under the fair value option. The investment manager provides the Company with a quarterly valuation of the Company’s equity interest. This valuation is derived primarily from estimated capitalization rates of the underlying real estate investments, which are unobservable inputs. Therefore, this investment is included in Level 3 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, contingent consideration 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
September 30, 2026
Financial assets:
Securities available for sale$— $2,835,332 $— $2,835,332 
Derivative instruments— 53,669 — 53,669 
Mortgage loans held for sale in loans held for sale— 200,709 — 200,709 
Equity investments16,262 — 19,416 35,678 
Total financial assets$16,262 $3,089,710 $19,416 $3,125,388 
Financial liabilities:
Contingent consideration$— $— $6,327 $6,327 
Derivative instruments— 47,385 — 47,385 
Total financial liabilities$— $47,385 $6,327 $53,712 

44
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
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 

At September 30, 2026, equity investments totaling $15,424 have been excluded from the table above as they are valued based on NAV as a practical expedient.
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 nine months ended September 30, 2026.
The following table presents information as of September 30, 2026 about significant unobservable inputs (Level 3) used in the valuation of assets and liabilities measured at fair value on a recurring basis:
Financial instrumentFair
Value		Valuation TechniqueSignificant
Unobservable Inputs		Inputs
Equity investments$19,416 Real estate appraisalMarket capitalization rates
5.5% to 6.5% (range)
6.02% (weighted average)
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 nine months ended September 30, 2026 and 2025, respectively, there were no significant 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 averages for the contingent consideration and equity investments were calculated using a weighting based on relative fair value.
Uncertainty of Fair Value Measurements from Unobservable Inputs
For the contingent consideration, a significant contraction of factoring relationships resulting from the acquired factoring business described in Note 2, “Mergers and Acquisitions,” 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. For the real estate limited partnership equity investment, significant fluctuations in the real estate market could cause an increase or decrease to the capitalization rates used for the valuation. However, given the size of the Company’s investment, any reasonably possible fluctuation is not expected to have a material impact on the fair value of the Company’s investment.
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:
 
September 30, 2026Level 1Level 2Level 3Totals
Collateral dependent loans$— $— $28,699 $28,699 
OREO— — 873 873 
Total$— $— $29,572 $29,572 
45
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
 
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 and cannot 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.
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:
September 30,
2026		December 31, 2025
Carrying amount prior to remeasurement$1,124 $4,182 
Impairment recognized in results of operations(251)(644)
Fair value$873 $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 September 30, 2026 and December 31, 2025. There were no valuation adjustments on MSRs during the nine months ended September 30, 2026 or 2025.
The following table presents information as of September 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$28,699 Appraised value of collateral less estimated costs to sellEstimated costs to sell
10%
OREO$873 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.
46
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
A net loss of $6,562 and net gain of $4,503 resulting from fair value changes of these mortgage loans were recorded in income during the nine months ended September 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 are 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 September 30, 2026 and December 31, 2025:
Aggregate
Fair Value		Aggregate
Unpaid
Principal
Balance		Difference
September 30, 2026
Mortgage loans held for sale measured at fair value$200,709 $202,153 $(1,444)
December 31, 2025
Mortgage loans held for sale measured at fair value$265,959 $260,841 $5,118 
The Company has also elected to measure certain equity investments at fair value under the fair value option using Level 3 inputs to mitigate volatility in reported earnings caused by changes in fair value and to better align them with other equity investments that are measured using NAV as a practical expedient in determining fair value. Equity investments are reported as a component of “Other assets” in the Consolidated Balance Sheets, and changes in fair value are reported in “Other noninterest income” in the Consolidated Statements of Income.
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:
 
47
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Fair Value
As of September 30, 2026Carrying
Value		Level 1Level 2Level 3Total
Financial assets
Cash and cash equivalents$734,518 $734,518 $— $— $734,518 
Securities held to maturity956,981 — 845,684 — 845,684 
Securities available for sale2,835,332 — 2,835,332 — 2,835,332 
Loans held for sale200,709 — 200,709 — 200,709 
Loans, net19,456,025 — — 19,376,798 19,376,798 
Mortgage servicing rights67,129 — — 102,429 102,429 
Derivative instruments53,669 — 53,669 — 53,669 
Equity investments35,678 16,262 — 19,416 35,678 
Financial liabilities
Deposits$21,627,858 $21,613,858 $— $21,613,858 
Short-term borrowings806,481 — 806,481 — 806,481 
Junior subordinated debentures141,460 — 126,976 — 126,976 
Subordinated notes613,374 — 608,656 — 608,656 
Derivative instruments47,385 — 47,385 — 47,385 
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 $— $21,465,168 
Short-term borrowings555,774 — 555,774 — 555,774 
Junior subordinated debentures140,632 — 126,976 — 126,976 
Subordinated notes359,124 — 352,616 — 352,616 
Derivative instruments41,484 — 41,484 — 41,484 
48
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Note 12 – Other Comprehensive Income (Loss)
(In Thousands)
Changes in the components of other comprehensive (loss) income were as follows for the periods presented:
Unrealized Holding Gains (Losses) on Available-for-Sale SecuritiesAmortization of unrealized holding losses on securities transferred to held to maturityUnrealized Holding Gains (Losses) on Derivative InstrumentsDefined Benefit Pension and
Post-retirement Benefit Plans		Total
Three months ended September 30, 2026
Beginning balance$(75,221)$(36,544)$14,340 $(6,243)$(103,668)
Other comprehensive (loss) income before reclassification(86,025)2,613 6,054 74 (77,284)
Amounts reclassified from accumulated other comprehensive income— — 866 — 866 
Tax expense (benefit)21,795 (669)(1,767)(18)19,341 
Net other comprehensive (loss) income(64,230)1,944 5,153 56 (57,077)
Ending balance$(139,451)$(34,600)$19,493 $(6,187)$(160,745)
Three months ended September 30, 2025
Beginning balance$(77,161)$(44,667)$14,742 $(6,955)$(114,041)
Other comprehensive income (loss) before reclassification15,441 3,005 (20)99 18,525 
Amounts reclassified from accumulated other comprehensive income— — (1,356)— (1,356)
Tax (benefit) expense(3,856)(768)350 (24)(4,298)
Net other comprehensive income (loss)11,585 2,237 (1,026)75 12,871 
Ending balance$(65,576)$(42,430)$13,716 $(6,880)$(101,170)
49
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Unrealized Holding Gains (Losses) on Available-for-Sale SecuritiesAmortization of unrealized holding losses on securities transferred to held to maturityUnrealized Holding Gains (Losses) on Derivative InstrumentsDefined Benefit Pension and
Post-retirement Benefit Plans		Total
Nine months ended September 30, 2026
Beginning balance$(56,542)$(40,435)$13,598 $(6,353)$(89,732)
Other comprehensive (loss) income before reclassification(111,111)7,843 5,368 222 (97,678)
Amounts reclassified from accumulated other comprehensive income— — 2,549 — 2,549 
Tax expense (benefit)28,202 (2,008)(2,022)(56)24,116 
Net other comprehensive (loss) income(82,909)5,835 5,895 166 (71,013)
Ending balance$(139,451)$(34,600)$19,493 $(6,187)$(160,745)
Nine months ended September 30, 2025
Beginning balance$(103,889)$(49,045)$17,429 $(7,103)$(142,608)
Other comprehensive income (loss) before reclassification51,168 8,889 (5,501)298 54,854 
Amounts reclassified from accumulated other comprehensive income— — 513 — 513 
Tax (benefit) expense(12,855)(2,274)1,275 (75)(13,929)
Net other comprehensive income (loss)38,313 6,615 (3,713)223 41,438 
Ending balance$(65,576)$(42,430)$13,716 $(6,880)$(101,170)
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 September 30,Nine Months Ended September 30,
Accumulated Other Comprehensive Income Component2026202520262025Income Statement Line Item Affected
Gains (losses) on derivative instruments$866 $(1,356)$2,549 $513 Interest income
Tax (benefit) expense(221)347 (651)(130)Income taxes
Net of tax645 $(1,009)1,898 383 
Total reclassifications for the period, net of tax$645 $(1,009)$1,898 $383 
50
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
September 30,
20262025
Basic
Net income applicable to common stock$78,949 $59,788 
Average common shares outstanding90,925,375 94,623,551 
Net income per common share - basic$0.87 $0.63 
Diluted
Net income applicable to common stock$78,949 $59,788 
Average common shares outstanding90,925,375 94,623,551 
Effect of dilutive stock-based compensation631,707 661,052 
Average common shares outstanding - diluted91,557,082 95,284,603 
Net income per common share - diluted$0.86 $0.63 
Nine Months Ended
September 30,
20262025
Basic
Net income applicable to common stock$254,268 $102,324 
Average common shares outstanding92,079,661 84,403,694 
Net income per common share - basic$2.76 $1.21 
Diluted
Net income applicable to common stock$254,268 $102,324 
Average common shares outstanding92,079,661 84,403,694 
Effect of dilutive stock-based compensation581,539 530,696 
Average common shares outstanding - diluted92,661,200 84,934,390 
Net income per common share - diluted$2.74 $1.20 
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
September 30,
20262025
Number of shares—1,000

Nine Months Ended
September 30,
20262025
Number of shares7,0881,794


51
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, “Summary of 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 September 30, 2026
Total interest income$347,301 $13 $347,314 $21 $347,335 
Total interest expense111,703 — 111,703 11,943 123,646 
Net interest income (loss)$235,598 $13 $235,611 $(11,922)$223,689 
Provision for credit losses13,305 — 13,305 — 13,305 
Noninterest income37,289 10,362 47,651 1,624 49,275 
Salaries and employee benefits89,276 5,178 94,454 1,417 95,871 
Net occupancy and equipment17,683 243 17,926 90 18,016 
Other segment expenses(1)
43,677 2,070 45,747 700 46,447 
Income (loss) before income taxes$108,946 $2,884 $111,830 $(12,505)$99,325 
Income tax expense (benefit)23,383 174 23,557 (3,181)20,376 
Net income (loss)$85,563 $2,710 $88,273 $(9,324)$78,949 
Total assets$27,496,196 $9,152 $27,505,348 $12,833 $27,518,181 
Goodwill1,417,538 — 1,417,538 — 1,417,538 
52
Renasant Corporation
Notes to Consolidated Financial Statements (Unaudited)
Community
Banks		Wealth
Management		Total SegmentsOtherConsolidated
Three months ended September 30, 2025
Total interest income$351,075 $— $351,075 $23 $351,098 
Total interest expense119,100 — 119,100 8,478 127,578 
Net interest income (loss)$231,975 $— $231,975 $(8,455)$223,520 
Provision for credit losses10,450 — 10,450 — 10,450 
Noninterest income (loss)35,656 10,861 46,517 (491)46,026 
Salaries and employee benefits94,288 4,694 98,982 — 98,982 
Net occupancy and equipment18,132 249 18,381 34 18,415 
Other segment expenses(2)
62,834 3,144 65,978 455 66,433 
Income (loss) before income taxes$81,927 $2,774 $84,701 $(9,435)$75,266 
Income tax expense (benefit)17,698 198 17,896 (2,418)15,478 
Net income (loss)$64,229 $2,576 $66,805 $(7,017)$59,788 
Total assets$26,715,563 $7,031 $26,722,594 $3,571 $26,726,165 
Goodwill1,411,711 — 1,411,711 — 1,411,711 
Community
Banks		Wealth
Management		Total SegmentsOtherConsolidated
Nine months ended September 30, 2026
Total interest income$1,025,795 $40 $1,025,835 $60 $1,025,895 
Total interest expense326,688 — 326,688 29,205 355,893 
Net interest income (loss)$699,107 $40 $699,147 $(29,145)$670,002 
Provision for credit losses25,184 — 25,184 — 25,184 
Noninterest income (loss)114,935 30,416 145,351 5,386 150,737 
Salaries and employee benefits264,771 15,068 279,839 4,009 283,848 
Net occupancy and equipment53,061 740 53,801 264 54,065 
Other segment expenses(1)
131,575 5,849 137,424 1,826 139,250 
Income (loss) before income taxes$339,451 $8,799 $348,250 $(29,858)$318,392 
Income tax expense (benefit)71,117 644 71,761 (7,637)64,124 
Net income (loss)$268,334 $8,155 $276,489 $(22,221)$254,268 
Total assets$27,496,196 $9,152 $27,505,348 $12,833 $27,518,181 
Goodwill1,417,538 — 1,417,538 — 1,417,538 
Community
Banks		Wealth
Management		Total SegmentsOtherConsolidated
Nine months ended September 30, 2025
Total interest income$915,257 $— $915,257 69 $915,326 
Total interest expense314,976 — 314,976 23,774 338,750 
Net interest income (loss)$600,281 $— $600,281 $(23,705)$576,576 
Provision for credit losses96,522 — 96,522 — 96,522 
Noninterest income (loss)106,441 25,742 132,183 (1,428)130,755 
Salaries and employee benefits258,427 12,054 270,481 — 270,481 
Net occupancy and equipment46,794 667 47,461 67 47,528 
Other segment expenses(2)
156,796 5,248 162,044 857 162,901 
Income (loss) before income taxes$148,183 $7,773 $155,956 $(26,057)$129,899 
Income tax expense (benefit)33,818 435 34,253 (6,678)27,575 
Net income (loss)$114,365 $7,338 $121,703 $(19,379)$102,324 
Total assets$26,715,563 $7,031 $26,722,594 $3,571 $26,726,165 
Goodwill1,411,711 — 1,411,711 — 1,411,711 
53
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.
54
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.

55
Recent Developments
Pending Acquisition of Commercial
On October 27, 2026, Renasant entered into an Agreement and Plan of Merger (the “Merger Agreement”) with Commercial Holding Company, Inc. (“Commercial”). The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, Commercial will merge with and into Renasant (the “Merger”), with Renasant continuing as the surviving corporation in the Merger. Immediately following the Merger, Commercial’s wholly owned bank subsidiary, Commercial Bank, will merge with and into Renasant Bank with the Bank continuing as the surviving bank in the bank merger. The Merger Agreement was unanimously approved by the Board of Directors of each of Renasant and Commercial, and the Merger is expected to close in the first quarter of 2027. Completion of the transaction is subject to customary closing conditions, including the receipt of required regulatory approvals and the approval of Commercial shareholders. For more information about the pending acquisition, see Note 2, “Mergers and Acquisitions,” in the Notes to Consolidated Financial Statements of the Company in Item 1, Financial Statements, in this report.
Financial Condition
The following discussion provides details regarding the changes in significant balance sheet accounts at September 30, 2026 compared to December 31, 2025:
Assets
AssetsSeptember 30, 2026December 31, 2025$ Change% Change
Cash and cash equivalents$734,518 $1,070,718 $(336,200)(31.4)%
Securities held to maturity, at amortized cost956,981 1,030,073 (73,092)(7.1)
Securities available for sale, at fair value2,835,332 2,560,818 274,514 10.7 
Loans held for sale, at fair value200,709 265,959 (65,250)(24.5)
Loans held for investment19,752,119 19,047,039 705,080 3.7 
Allowance for credit losses(296,094)(293,955)(2,139)0.7 
Loans, net19,456,025 18,753,084 702,941 3.7 
Premises and equipment465,502 465,141 361 0.1 
Other real estate owned, net15,662 15,191 471 3.1 
Goodwill1,417,538 1,405,840 11,698 0.8 
Other intangible assets, net129,690 146,612 (16,922)(11.5)
Bank-owned life insurance498,298 492,541 5,757 1.2 
Mortgage servicing rights, net67,129 65,271 1,858 2.8 
Other assets740,797 480,178 260,619 54.3 
Total assets$27,518,181 $26,751,426 $766,755 2.9 %
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:
56
September 30, 2026December 31, 2025
BalancePercentage of
Portfolio		BalancePercentage of
Portfolio
Obligations of states and political subdivisions$563,372 14.86 %$552,209 15.38 %
Mortgage-backed securities2,870,928 75.70 2,642,946 73.60 
Other debt securities358,045 9.44 395,768 11.02 
$3,792,345 100.00 %$3,590,923 100.00 %
Allowance for credit losses - held to maturity securities(32)(32)
Securities, net of allowance for credit losses$3,792,313 $3,590,891 
The Company purchased $738,290 and $1,058,969 in investment securities during the nine months ended September 30, 2026 and 2025, respectively.
Proceeds from maturities, calls and principal payments on securities during the first nine months of 2026 totaled $437,939. Proceeds from the maturities, calls and principal payments on securities during the first nine months of 2025 totaled $282,347. No gain or loss on sales of securities was recorded in the first nine months 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 September 30, 2026, the net unrealized after tax losses remaining to be amortized in accumulated other comprehensive income (loss) was $34,600. No gains or losses were recognized at the time of transfer.
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:
57
September 30, 2026December 31, 2025
Total
Loans		Percentage of Total LoansTotal
Loans		Percentage of Total Loans
Commercial and industrial$3,150,897 15.95 %$2,818,326 14.79 %
Construction and land development
Residential396,732 2.01 %382,773 2.01 %
Other1,715,291 8.68 %1,522,863 8.00 %
Total construction and land development2,112,023 10.69 1,905,636 10.01 %
Real estate – 1-4 family mortgage:
First lien3,858,628 19.54 %3,844,097 20.18 %
Junior lien51,989 0.26 %52,943 0.28 %
Home equity722,101 3.66 %737,993 3.87 %
Total real estate – 1-4 family mortgage4,632,718 23.46 4,635,033 24.33 %
Commercial real estate - owner occupied3,388,836 17.16 3,334,664 17.51 %
Commercial real estate - non-owner occupied
Multi family1,250,182 6.33 %1,392,779 7.31 %
Other5,122,865 25.93 %4,852,701 25.48 %
Total commercial real estate - non-owner occupied6,373,047 32.26 %6,245,480 32.79 
Consumer94,598 0.48 %107,900 0.57 %
Total loans, net of unearned income$19,752,119 100.00 %$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 September 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, the Commercial Real Estate - Non-Owner Occupied segment was our largest concentration of loans at September 30, 2026 and December 31, 2025. The following tables provide additional detail, broken down by collateral type, about the segments within this loan category as of the dates presented:
September 30, 2026
BalanceAverage Loan SizePercentage of Total LoansWeighted-Average Loan-to-ValuePercentage 30-89 Days Past DuePercentage
Non-performing
Hotels$758,586 $4,740 3.83 %56 %— %— %
Self Storage604,2833,2243.06 57 — — 
Multi Family1,250,1822,4536.33 54 0.03 0.05 
Office - Medical425,9222,2052.16 56 — — 
Office - Non-Medical419,7498802.13 55 0.07 3.02 
Retail1,421,6511,5777.20 56 0.01 0.15 
Senior Housing258,8025,5921.31 59 — 8.69 
Warehouse/Industrial1,054,6062,6335.34 54 — 0.71 
Other179,2661,3890.90 53 3.19 0.25 
Total Commercial Real Estate - Non-Owner Occupied Loans$6,373,047 $2,104 32.26 %55 %0.10 %0.72 %
58
December 31, 2025
BalanceAverage Loan SizePercentage of Total LoansWeighted-Average Loan-to-ValuePercentage 30-89 Days Past DuePercentage
Non-performing
Hotels$723,192 $4,464 3.80 %53 %— %— %
Self Storage576,3713,0503.03 54 — — 
Multi-Family1,392,8722,6287.31 53 — 0.06 
Office - Medical394,0981,9322.07 53 — — 
Office - Non-Medical462,9708992.43 55 0.10 6.72 
Retail1,316,1831,3396.91 55 0.14 0.02 
Senior Housing301,5985,4841.58 58 0.37 3.71 
Warehouse/Industrial904,6722,3204.75 51 0.85 — 
Other173,5241,2050.91 54 0.29 — 
Total Commercial Real Estate - Non-Owner Occupied Loans$6,245,480 $1,969 32.79 %54 %0.19 %0.69 %
Note: Weighted-average loan-to-value is calculated using the most recent appraisal available.
Other Assets
The increase in other assets at September 30, 2026 as compared to December 31, 2025 is primarily due to higher investments in low-income housing tax credits as well as increased holdings of Federal Reserve Bank stock.
Deposits
DepositsSeptember 30, 2026December 31, 2025$ Change% Change
Noninterest-bearing deposits$5,001,023 $5,043,960 $(42,937)(0.9)%
Interest-bearing deposits16,626,835 16,429,110 197,725 1.2 
Total deposits$21,627,858 $21,473,070 $154,788 0.7 %
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 23.12% of total deposits at September 30, 2026, as compared to 23.49% of total deposits at December 31, 2025. 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, public universities and 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 fund 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. During the third quarter, the Company grew core deposits by $387 million from its consumer and commercial customers, which allowed the Company to improve the mix of its deposit base and reduce higher cost interest bearing deposits and public funds by $460 million.
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 such 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 deposits are principally obtained from public universities and municipalities, including school boards and utilities. Public fund deposits were $3,582,412 and $3,784,489 at September 30, 2026 and December 31, 2025, respectively.
Borrowed Funds
59
Borrowed FundsSeptember 30, 2026December 31, 2025$ Change% Change
Short-term borrowings$806,481 $555,774 $250,707 45.1 %
Long-term debt754,834 499,756 255,078 51.0 
Total borrowings$1,561,315 $1,055,530 $505,785 47.9 %
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 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. The following table presents our short-term borrowings by type as of the dates presented:
Short-Term BorrowingsSeptember 30, 2026December 31, 2025
Security repurchase agreements$6,481 $5,774 
Short-term borrowings from the FHLB800,000 550,000 
Total short-term borrowings$806,481 $555,774 
The Company increased its short-term advances from the FHLB in the third quarter of 2026 to support the significant loan growth experienced during the third quarter.
The following table presents our long-term debt by type as of the dates presented:
Long-Term DebtSeptember 30, 2026December 31, 2025
Junior subordinated debentures$141,460 $140,632 
Subordinated notes613,374 359,124 
Total long-term debt$754,834 $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. No long-term FHLB advances were outstanding as of September 30, 2026 or December 31, 2025. The Company had $5,139,372 available on unused lines of credit with the FHLB at September 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 $1,184,639.
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 aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “2036 Notes”). Furthermore, on September 1, 2026, the Company redeemed $40,000 of its 5.5% fixed-to-floating rate notes due September 2031. The proceeds generated by the Company’s subordinated notes and trust preferred securities transactions, including the proceeds of the 2036 Notes, have been used for general corporate purposes, including providing capital to support the Company’s growth organically or through strategic acquisitions, repaying indebtedness and financing investments and capital expenditures, and for investments in Renasant Bank (sometimes referred to herein as the “Bank”) as regulatory capital. The subordinated notes and trust preferred securities qualify as Tier 2 capital under current regulatory guidelines.
Results of Operations
Mergers and Acquisitions
On April 1, 2025 the Company completed its merger with The First Bancshares, Inc. (“The First”). At closing, The First merged with and into the Company, with the Company the surviving corporation in the merger; immediately thereafter, The First Bank merged with and into Renasant Bank, with Renasant Bank the surviving banking corporation in the merger. For more information, including the fair value of assets acquired and liabilities assumed, see Note 2, “Mergers and Acquisitions,” in the Notes to Consolidated Financial Statements of the Company in Item 1, Financial Statements, in this report.
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The Company’s acquisition of The First on April 1, 2025 had a significant impact on our results of operations for the nine months ended September 30, 2026 as compared to the same period in 2025, and is the primary driver of the nine-month period-over-period changes noted throughout this section.
Net Income
Three months ended September 30,
Net Income and Earnings per Share20262025$ Change% Change
Net income$78,949 $59,788 $19,161 32.0 %
Basic earnings per share0.870.630.2438.1 
Diluted earnings per share0.860.630.2336.5 
Nine months ended September 30,
20262025$ Change% Change
Net income$254,268 $102,324 $151,944 148.5 %
Basic earnings per share2.761.211.55128.1 
Diluted earnings per share2.741.201.54128.3 
From time to time, the Company incurs expenses and charges or recognizes valuation adjustments in connection with certain transactions with respect to which management is unable to accurately predict when these items will be incurred or, when incurred, the amount of such items. There were no such items incurred in the three and nine months ended September 30, 2026. The following table presents the impact of these items on reported earnings per share (“EPS”) for the three and nine months ended September 30, 2025:
Three Months Ended
September 30, 2026September 30, 2025
Pre-taxAfter-taxImpact to Diluted EPSPre-taxAfter-taxImpact to Diluted EPS
Merger and conversion related expenses$— $— $— $(17,494)$(13,129)$(0.14)
Nine Months Ended
September 30, 2026September 30, 2025
Pre-taxAfter-taxImpact to Diluted EPSPre-taxAfter-taxImpact to Diluted EPS
Merger and conversion related expenses$— $— $— $(38,764)$(29,561)$(0.35)
Day 1 acquisition provision— — — (66,612)(50,026)(0.59)
Gain on sale of MSR— — — 1,467 1,102 0.01 
Net Interest Income
Net interest income, the difference between interest earned on assets and the cost of interest-bearing liabilities, is the largest component of our net income, comprising 82.27% of total revenue (i.e., net interest income on a fully taxable equivalent basis and noninterest income) for the third quarter of 2026 and 81.96% of total revenue for the first nine months of 2026. Changes in net interest income are driven by fluctuations in the volume, mix and repricing of assets and liabilities.
61
Three months ended September 30,
Net Interest Income (tax equivalent basis)20262025$ Change% Change
Loans$307,885 $312,785 $(4,900)(1.6)%
Securities34,441 30,217 4,224 14.0 
Other5,009 8,096 (3,087)(38.1)
Total interest income$347,335 $351,098 $(3,763)(1.1)%
Deposits107,022 115,573 (8,551)(7.4)
Borrowings16,624 12,005 4,619 38.5 
Total interest expense$123,646 $127,578 $(3,932)(3.1)%
Net interest income$223,689 $223,520 $169 0.1 %
Net interest income (tax equivalent basis)$228,601 $228,131 $470 0.2 %
Nine months ended September 30,
20262025$ Change% Change
Loans$905,833 $818,792 $87,041 10.6 %
Securities102,367 70,742 31,625 44.7 
Other17,695 25,792 (8,097)(31.4)
Total interest income$1,025,895 $915,326 $110,569 12.1 %
Deposits317,280 306,880 10,400 3.4 
Borrowings38,613 31,870 6,743 21.2 
Total interest expense$355,893 $338,750 $17,143 5.1 %
Net interest income$670,002 $576,576 $93,426 16.2 %
Net interest income (tax equivalent basis)684,682 588,280 96,402 16.4 %
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:
62
Three Months Ended September 30,
20262025
Average
Balance		Interest
Income/
Expense		Yield/
Rate		Average
Balance		Interest
Income/
Expense		Yield/
Rate
Assets
Loans held for investment$19,417,475 $308,666 6.31 %$18,750,715 $311,903 6.60 %
Loans held for sale195,976 2,983 6.09 290,756 4,675 6.43 
Securities:
Taxable3,490,630 31,012 3.55 3,243,693 27,107 3.34 
Tax-exempt(1)
454,557 4,577 4.03 428,252 3,928 3.67 
Interest-bearing balances with banks557,301 5,009 3.57 814,103 8,096 3.95 
Total interest-earning assets24,115,939 352,247 5.80 23,527,519 355,709 6.01 
Cash and due from banks243,532 306,847 
Intangible assets1,551,577 1,578,846 
Other assets1,187,852 1,043,384 
Total assets$27,098,900 $26,456,596 
Liabilities and shareholders’ equity
Interest-bearing liabilities:
Deposits:
Interest-bearing demand(2)
$11,284,644 $70,759 2.49 %$11,521,433 $82,080 2.83 %
Savings deposits1,300,364 978 0.30 1,299,396 943 0.29 
Time deposits3,908,181 35,285 3.58 3,398,402 32,550 3.80 
Total interest-bearing deposits16,493,189 107,022 2.57 16,219,231 115,573 2.83 
Borrowed funds1,362,872 16,624 4.86 961,980 12,005 4.97 
Total interest-bearing liabilities17,856,061 123,646 2.75 17,181,211 127,578 2.95 
Noninterest-bearing deposits5,058,509 5,226,588 
Other liabilities303,699 253,801 
Shareholders’ equity3,880,631 3,794,996 
Total liabilities and shareholders’ equity$27,098,900 $26,456,596 
Net interest income/net interest margin$228,601 3.77 %$228,131 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.
63
Nine Months Ended September 30,
20262025
Average
Balance		Interest
Income/
Expense		Yield/
Rate		Average
Balance		Interest
Income/
Expense		Yield/
Rate
Assets
Interest-earning assets:
Loans held for investment$19,172,292 $907,903 6.33 %$16,743,048 $816,241 6.52 %
Loans held for sale210,2679,1885.83 260,17212,3226.32 
Securities:
Taxable3,448,38089,5643.46 2,749,58062,9953.05 
Tax-exempt(1)
444,27816,2254.87 384,2129,6803.36 
Interest-bearing balances with banks659,38517,6953.59 846,84425,7924.07 
Total interest-earning assets23,934,6021,040,5755.81 20,983,856927,0305.90 
Cash and due from banks265,958282,476
Intangible assets1,548,9271,392,393
Other assets1,169,591915,322
Total assets$26,919,078 $23,574,047 
Liabilities and shareholders’ equity
Interest-bearing liabilities:
Deposits:
Interest-bearing demand(2)
$11,556,200 $215,045 2.49 %$10,196,332 $213,332 2.80 %
Savings deposits1,299,0422,7980.29 1,146,7322,6860.31 
Time deposits3,751,96099,4373.54 3,095,75390,8623.92 
Total interest-bearing deposits16,607,202317,2802.55 14,438,817306,8802.84 
Borrowed funds1,077,11738,6134.79 853,07131,8704.99 
Total interest-bearing liabilities17,684,319355,8932.69 15,291,888338,7502.96 
Noninterest-bearing deposits5,061,9574,629,790
Other liabilities299,227237,417
Shareholders’ equity3,873,5753,414,952
Total liabilities and shareholders’ equity$26,919,078 $23,574,047 
Net interest income/net interest margin$684,682 3.82 %$588,280 3.75 %
(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. Strong organic loan growth in 2026, and for the nine months ended September 30, 2026, the addition of The First’s loan portfolio, were the largest contributing factors to the increase in net interest income for the three and nine months ended September 30, 2026 as compared to the same periods in 2025. Lower interest rates, driven by the Federal Reserve’s rate cuts in the second half of 2025, and the addition of The First’s deposits generated a positive impact to both the cost and mix of our funding sources. The Federal Reserve’s rate increase in September 2026 did not have a significant impact on our results for the third quarter of 2026. 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.

64
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 nine months ended September 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 September 30, 2026 Compared to the Three Months Ended September 30, 2025
VolumeRateNet
Interest income:
Loans held for investment$10,813 $(14,050)$(3,237)
Loans held for sale(1,456)(236)(1,692)
Securities:
Taxable2,139 1,766 3,905 
Tax-exempt250 399 649 
Interest-bearing balances with banks(2,366)(721)(3,087)
Total interest-earning assets9,380 (12,842)(3,462)
Interest expense:
Interest-bearing demand deposits(1,654)(9,667)(11,321)
Savings deposits1 34 35 
Time deposits4,693 (1,958)2,735 
Borrowed funds4,893 (274)4,619 
Total interest-bearing liabilities7,933 (11,865)(3,932)
Change in net interest income$1,447 $(977)$470 
Nine Months Ended September 30, 2026 Compared to the Nine Months Ended September 30, 2025
VolumeRateNet
Interest income:
Loans held for investment$115,959 $(24,297)$91,662 
Loans held for sale(2,232)(902)(3,134)
Securities:
Taxable17,378 9,191 26,569 
Tax-exempt1,689 4,856 6,545 
Interest-bearing balances with banks(5,283)(2,814)(8,097)
Total interest-earning assets127,511 (13,966)113,545 
Interest expense:
Interest-bearing demand deposits26,772 (25,059)1,713 
Savings deposits306 (194)112 
Time deposits17,959 (9,384)8,575 
Borrowed funds8,064 (1,321)6,743 
Total interest-bearing liabilities53,101 (35,958)17,143 
Change in net interest income$74,410 $21,992 $96,402 
Interest Income
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 slight decrease in interest income, on a tax equivalent basis, for the three months ended September 30, 2026, as compared to the same time period in 2025. The addition of The First’s earning assets coupled with organic loan growth in 2026 were the primary drivers of the increase in interest income, on a tax equivalent basis, for the nine months ended September 30, 2026, as compared to the same time period in 2025.

65
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
September 30,September 30,
2026202520262025
Loans held for investment80.52 %79.70 %6.31 %6.60 %
Loans held for sale0.81 1.24 6.09 6.43 
Securities16.36 15.61 3.61 3.38 
Interest-bearing balances with banks2.31 3.45 3.57 3.95 
Total earning assets100.00 %100.00 %5.80 %6.01 %

Percentage of Total Average Earning AssetsYield
Nine Months EndedNine Months Ended
September 30,September 30,
2026202520262025
Loans held for investment80.10 %79.79 %6.33 %6.52 %
Loans held for sale0.88 1.24 5.83 6.32 
Securities16.26 14.93 3.62 3.09 
Interest-bearing balances with banks2.76 4.04 3.59 4.07 
Total earning assets100.00 %100.00 %5.81 %5.90 %
For the third quarter of 2026, interest income on loans held for investment, on a tax equivalent basis, decreased $3,237 to $308,666 from $311,903 for the same period in 2025. For the nine months ended September 30, 2026, interest income on loans held for investment, on a tax equivalent basis, increased $91,662 to $907,903 from $816,241 for the same period in 2025. The decrease in interest income on loans held for investment for the third 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 nine months ended September 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, along with strong organic loan growth in the first nine months of 2026, resulting in an increase of $2,429,244 in the year-to-date average balance of loans held for investment from September 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 EndedNine Months Ended
September 30,September 30,
2026202520262025
Net interest income collected on problem loans$841 $664 $2,217 $4,469 
Accretable yield recognized on purchased loans10,481 16,862 38,056 35,254 
Total impact to interest income on loans$11,322 $17,526 $40,273 $39,723 
Impact to loan yield0.23 %0.37 %0.28 %0.32 %
Impact to net interest margin0.19 %0.23 %0.22 %0.20 %
Investment income, on a tax equivalent basis, increased $4,554 to $35,589 for the third quarter of 2026 from $31,035 for the third quarter of 2025. Investment income, on a tax equivalent basis, increased $33,114 for the nine months ended September 30, 2026 to $105,789 from $72,675 for the same period in 2025. The increase in investment income, on a tax equivalent basis, for the third quarter of 2026, as compared to the same period in 2025, was driven by a higher average balance of securities along with higher yields. The increase in investment income, on a tax equivalent basis, for the nine months ended September 30, 2026, as compared to the same period in 2025, was primarily due to the acquisition of The First’s investment portfolio. Accelerated bond discount accretion also contributed $2,672 to net interest income in the second quarter of 2026. The tax equivalent yield on the investment portfolio for the third quarter of 2026 was 3.61%, up 23 basis points from 3.38% for the
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same period in 2025. The tax equivalent yield on the investment portfolio for the nine months ended September 30, 2026 was 3.62%, up 53 basis points from 3.09% for the same period in 2025.
Interest Expense
Interest expense was $123,646 for the third quarter of 2026 as compared to $127,578 for the same period in 2025. Interest expense was $355,893 for the nine months ended September 30, 2026 as compared to $338,750 for the same period in 2025. The decrease in interest expense for the third 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 nine months of 2026 as compared to the same period in 2025 was primarily due to the assumption of The First’s deposits and borrowed funds, as well as the issuance of subordinated notes in the second quarter of 2026.
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
September 30,September 30,
2026202520262025
Noninterest-bearing demand22.08 %23.32 %— %— %
Interest-bearing demand49.25 51.42 2.49 2.83 
Savings5.67 5.80 0.30 0.29 
Time deposits17.06 15.17 3.58 3.80 
Borrowed funds5.94 4.29 4.86 4.97 
Total deposits and borrowed funds100.00 %100.00 %2.14 %2.26 %
Percentage of Total Average Deposits and Borrowed FundsCost of Funds
Nine Months EndedNine Months Ended
September 30,September 30,
2026202520262025
Noninterest-bearing demand22.25 %23.24 %— %— %
Interest-bearing demand50.80 51.18 2.49 2.80 
Savings5.71 5.76 0.29 0.31 
Time deposits16.49 15.54 3.54 3.92 
Borrowed funds4.75 %4.28 4.79 4.99 
Total deposits and borrowed funds100.00 %100.00 %2.09 %2.27 %
The cost of total deposits was 1.97% and 2.14% for the third quarter of 2026 and 2025, respectively, and 1.96% and 2.15% for the nine months ended September 30, 2026 and 2025, respectively. The decrease in the cost of total deposits for both the third quarter and the first nine months of 2026 was affected by the aforementioned rate cuts by the Federal Reserve. The increase in deposit expense for the first nine months of 2026 as compared to the same period in 2025 is primarily attributable to the acquisition of The First’s deposits. The Company has continued its efforts to maintain noninterest-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 three and nine months ended September 30, 2026 is due to higher average short-term borrowings and the subordinated note issuance in the second quarter of 2026. The additional subordinated notes and other long-term borrowings added as a result of the merger with The First also contributed to the increase for the nine months ended September 30, 2026.
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 September 30,
20262025$ Change% Change
Service charges on deposit accounts$15,270 $13,416 $1,854 13.8 %
Fees and commissions4,942 4,167 775 18.6 
Wealth management revenue9,211 8,217 994 12.1 
Mortgage banking income7,323 9,017 (1,694)(18.8)
BOLI income4,045 4,235 (190)(4.5)
Other8,484 6,974 1,510 21.7 
Total noninterest income$49,275 $46,026 $3,249 7.1 %
Noninterest income to average assets0.72%0.69%
Nine months ended September 30,
20262025$ Change% Change
Service charges on deposit accounts$44,526 $37,398 $7,128 19.1 %
Fees and commissions15,067 14,604 463 3.2 
Wealth management revenue26,962 22,629 4,333 19.1 
Mortgage banking income25,936 28,427 (2,491)(8.8)
BOLI income12,342 10,547 1,795 17.0 
Other25,904 17,150 8,754 51.0 
Total noninterest income$150,737 $130,755 $19,982 15.3 %
Noninterest income to average assets0.75 %0.74 %
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 FHLB and the Federal Reserve, 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 nine months ended September 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”). 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, an 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 and a wholly-owned subsidiary of Park Place Capital, conducts Park Place Capital’s brokerage-related services. The market value of assets under management or administration was $8,437,831 and $6,847,724 at September 30, 2026 and September 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 $304,638 in the third quarter of 2026 compared to $425,482 for the same period in 2025. Originations of mortgage loans to be sold totaled $1,057,590 in the nine months ended September 30, 2026 compared to $1,220,267 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 September 30,Nine Months Ended September 30,
Mortgage Banking Income2026202520262025
Gain on sales of loans, net (1)
$2,390 $5,270 $12,455 $15,086 
Fees, net2,945 3,050 9,257 9,107 
Mortgage servicing income, net(2)
1,988 697 4,224 4,234 
Mortgage banking income, net$7,323 $9,017 $25,936 $28,427 
(1) Gain on sales of loans, net includes pipeline fair value adjustments
(2) Mortgage servicing income, net includes gain on sale of MSR
Noninterest Expense
Three months ended September 30,
20262025$ Change% Change
Salaries and employee benefits$95,871 $98,982 $(3,111)(3.1)%
Data processing5,411 5,541 (130)(2.3)
Net occupancy and equipment18,016 18,415 (399)(2.2)
Other real estate owned366 328 38 11.6 
Professional fees3,935 3,435 500 14.6 
Advertising and public relations4,945 5,254 (309)(5.9)
Intangible amortization8,332 8,674 (342)(3.9)
Communications3,389 3,955 (566)(14.3)
Merger and conversion related expenses— 17,494 (17,494)(100.0)
Other20,069 21,752 (1,683)(7.7)
Total noninterest expense$160,334 $183,830 $(23,496)(12.8)%
Noninterest expense to average assets2.35 %2.76 %
Nine months ended September 30,
20262025$ Change% Change
Salaries and employee benefits$283,848 $270,481 $13,367 4.9 %
Data processing15,669 15,068 601 4.0 
Net occupancy and equipment54,065 47,528 6,537 13.8 
Other real estate owned2,218 1,170 1,048 89.6 
Professional fees12,855 10,542 2,313 21.9 
Advertising and public relations14,221 14,041 180 1.3 
Intangible amortization24,922 18,638 6,284 33.7 
Communications10,964 9,172 1,792 19.5 
Merger and conversion related expenses— 38,764 (38,764)(100.0)
Other58,401 55,506 2,895 5.2 
Total noninterest expense$477,163 $480,910 $(3,747)(0.8)%
Noninterest expense to average assets2.37 %2.73 %
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 three months ended September 30, 2026 as compared to the same period in 2025 is due to the lack of merger and conversion related expenses in 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. For the nine months ended September 30, 2026, noninterest expense reflects the addition of expenses related to the acquired operations of The First, which was more than offset by the lack of merger and conversion expenses.
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Efficiency Ratio
Efficiency Ratio
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Efficiency ratio57.70 %67.05 %57.12 %66.88 %

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 nine months ended September 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 September 30,
20262025$ Change% Change
Income taxes$20,376 $15,478 $4,898 31.6 %
Nine months ended September 30,
20262025$ Change% Change
Income taxes$64,124 $27,575 $36,549 132.5 %
The increase in the Company’s income before income taxes for the three and nine months ended September 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:
September 30, 2026December 31, 2025
Nonaccruing loans$175,143 $175,730 
Accruing loans past due 90 days or more315 288 
Total nonperforming loans175,458 176,018 
Other real estate owned15,662 15,191 
Total nonperforming loans and OREO$191,120 $191,209 
Nonperforming loans to total loans0.89 %0.92 %
Nonaccruing loans to total loans0.89 %0.92 %
Nonperforming assets to total assets0.69 %0.71 %
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The following table presents nonperforming loans by loan category as of the dates presented:
September 30,
2026		December 31, 2025
Commercial and industrial$38,455 $28,002 
Construction and land development
Residential— 2,033 
Other8,795 5,697 
Total construction and land development8,795 7,730 
Real estate – 1-4 family mortgage:
First lien57,443 60,874 
Junior lien1,758 1,483 
Home equity2,583 3,074 
Total real estate – 1-4 family mortgage61,784 65,431 
Commercial real estate - owner occupied20,385 31,303 
Commercial real estate - non-owner occupied
Multi family602 785 
Other45,304 42,610 
Total commercial real estate - non-owner occupied45,906 43,395 
Consumer133 157 
Loans, net of unearned income$175,458 $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 September 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 $37,175 at September 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:
September 30, 2026December 31, 2025September 30, 2025
Balance% of TotalBalance% of TotalBalance% of Total
Commercial and industrial$66,156 22.34 %$57,831 19.67 %$62,423 20.98 %
Construction and land development45,264 15.29 31,359 10.67 32,048 10.77 
Real estate - 1-4 family mortgage63,904 21.58 61,249 20.84 61,964 20.82 
Commercial real estate - owner occupied32,694 11.04 38,961 13.25 33,852 11.38 
Commercial real estate - non owner occupied84,266 28.46 99,605 33.88 102,124 34.31 
Consumer3,810 1.29 4,950 1.69 5,180 1.74 
Total$296,094 100.00 %$293,955 100.00 %$297,591 100.00 %
The increase in the allowance for credit losses as of September 30, 2026 as compared to December 31, 2025 was primarily driven by loan growth, coupled with changes in the macroeconomic environment partially offset by improvements in the asset credit quality. The Company’s allowance for credit losses 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 $10,105, or 0.21% of average loans (annualized), for the three months ended September 30, 2026, as compared to $9,650, or 0.21% of average loans (annualized), during the three months ended September 30, 2025. The table below reflects the activity in the allowance for credit losses on loans for the periods presented:
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Three Months EndedNine Months Ended
September 30,September 30,
2026202520262025
Balance at beginning of period$296,008 $290,770 $293,955 $201,756 
Initial allowance for purchased loans with more than insignificant credit deterioration existing at the date of acquisition— 1,510 1,750 25,003 
Charge-offs
Commercial and industrial(10,189)(2,601)(13,482)(10,911)
Construction and land development— (193)(1)(299)
Real estate – 1-4 family mortgage(67)(586)(994)(1,214)
Commercial real estate - owner occupied(46)(1,135)(1,409)(5,540)
Commercial real estate - non-owner occupied(1)— (375)— 
Consumer(322)(539)(971)(1,198)
Total charge-offs(10,625)(5,054)(17,232)(19,162)
Recoveries
Commercial and industrial354 141 886 1,738 
Construction and land development— 153 2 154 
Real estate – 1-4 family mortgage96 83 255 153 
Commercial real estate - owner occupied85 280 768 344 
Commercial real estate - non-owner occupied7 3 88 61 
Consumer64 55 127 444 
Total recoveries606 715 2,126 2,894 
Net charge-offs(10,019)(4,339)(15,106)(16,268)
Provision for credit losses on loans10,105 9,650 15,495 87,100 
Balance at end of period$296,094 $297,591 $296,094 $297,591 
Provision for credit losses on loans (annualized) to average loans0.21 %0.21 %0.11 %0.74 %
Net charge-offs (annualized) to average loans0.20 %0.09 %0.11 %0.14 %
Net charge-offs (annualized) to allowance for credit losses on loans13.42 %5.78 %6.82 %7.31 %
Allowance for credit losses on loans to:
Total loans1.50 %1.56 %1.50 %1.56 %
Nonperforming loans168.75 %173.47 %168.75 %173.47 %
Nonaccrual loans169.06 %174.28 %169.06 %174.28 %
Nonaccrual loans to total loans:0.89 %0.90 %0.89 %0.90 %

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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:
Nine Months Ended
September 30, 2026September 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$(12,596)$2,997,654(0.56)%$(9,173)$2,499,723(0.49)%
Construction and land development11,976,301—%(145)1,694,416(0.01)%
Real estate – 1-4 family mortgage(739)4,574,438(0.02)%(1,061)4,219,518(0.03)%
Commercial real estate - owner occupied(641)3,332,378(0.03)%(5,196)2,824,260(0.25)%
Commercial real estate - non-owner occupied(287)6,191,214(0.01)%615,395,350—%
Consumer(844)100,307(1.12)%(754)109,775(0.92)%
Total$(15,106)$19,172,292(0.11)%$(16,268)$16,743,042(0.13)%

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 September 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$36,316 $23,565 
Provision for credit losses on unfunded loan commitments3,200 800 
Ending balance$39,516 $24,365 
Nine Months Ended September 30,20262025
Allowance for credit losses on unfunded loan commitments:
Beginning balance$29,827 $14,943 
Provision for credit losses on unfunded loan commitments9,689 9,422 
Ending balance$39,516 $24,365 
The increase in provision for credit losses on unfunded commitments in the three and nine months ended September 30, 2026 as compared to the same periods in 2025 was primarily driven by the growth in the balance of unfunded loan commitments.
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 management and is authorized by the Board of Directors to monitor interest rate sensitivity and liquidity risk, over the short-,
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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 October 1, 2026, in each case as compared to the result under rates present in the market on September 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)Earnings at Risk
(Net Interest Income)
Static1-12 Months13-24 Months
+100(1.73)%3.56%4.45%
-100(0.11)%(3.45)%(4.57)%
-200(3.44)%(6.08)%(8.89)%

The rate shock results for the net interest income simulations for the next 24 months produce an asset sensitive position at September 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 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. 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. We constantly monitor our funds position and evaluate the effect that various funding sources have on our financial position.
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Management targets growth of core deposits (which are deposits excluding brokered deposits), focusing on noninterest-bearing deposits, which 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 liquidity. While we do not control the types of deposit instruments our customers choose, we do influence those choices with the rates and deposit specials we offer. 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 September 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 11.72% 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 September 30, 2026, securities with a carrying value of $1,459,188 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 $800,000 and $550,000 in short-term borrowings from the FHLB at September 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 September 30, 2026 or December 31, 2025. The total amount of the remaining credit available to us from the FHLB at September 30, 2026 was $5,139,372. The credit available at the Federal Reserve Discount Window at September 30, 2026 was $1,184,639 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 September 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 $613,374 at September 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.
Cash and cash equivalents were $734,518 at September 30, 2026, as compared to $1,083,785 at September 30, 2025. The decrease was largely driven by the repurchase of shares through the Company’s stock repurchase program and the funding of loan growth in the third quarter of 2026.
Cash provided by operating activities for the nine months ended September 30, 2026 was $349,603, as compared to $164,384 for the nine months ended September 30, 2025.
Cash used in investing activities for the nine months ended September 30, 2026 was $1,101,716, as compared to $711,007 for the nine months ended September 30, 2025. Proceeds from the sale, maturity or call of securities within our investment portfolio were $437,939 for the nine months ended September 30, 2026, as compared to $968,832 for the same period in 2025. Purchases of investment securities were $738,290 during the first nine months of 2026 and $1,058,969 for the same period in 2025.
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Cash provided by financing activities for the nine months ended September 30, 2026 was $415,913, as compared to $538,376 for the same period in 2025. Deposits increased $154,788 and $395,159 for the nine months ended September 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 September 30, 2026, the maximum amount available for transfer from the Bank to the Company in the form of loans was $306,557. 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 September 30, 2026.
These restrictions did not have any impact on the Company’s ability to meet its cash obligations in the nine months ended September 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:
September 30, 2026December 31, 2025
Loan commitments$4,122,945 $3,662,810 
Standby letters of credit114,978 122,367 
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 September 30, 2026, the Company had notional amounts of $1,908,166 on interest rate contracts
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with corporate customers and $1,908,166 in offsetting interest rate contracts with other financial institutions to mitigate the Company’s rate exposure on its corporate customers’ contracts and certain fixed rate loans.
Additionally, the Company enters into interest rate lock commitments with its customers to mitigate the interest rate risk associated with the commitments to fund residential mortgage loans and also enters into forward commitments to sell residential mortgage loans to secondary market investors.
To mitigate future interest rate exposure on its FHLB borrowings and its junior subordinated debentures the Company enters into interest rate swap contracts that are accounted for as cash flow hedges. Under each of these contracts, the Company pays a fixed rate of interest and receives a variable rate of interest. The Company also utilizes interest rate collars accounted for as cash flow hedges to protect against interest rate fluctuations on certain variable-rate loans. Under these contracts, interest income is limited to the interest rate cap; however, interest income is protected when market rates fall below the floor strike rate. In addition, the Company entered into interest rate swap contracts on a tranche of its subordinated notes and certain securities that are accounted for as fair value hedges. Under these contracts, the Company pays a variable rate of interest and receives a fixed rate of interest.
For more information about the Company’s derivatives, see Note 9, “Derivative Instruments,” in the Notes to Consolidated Financial Statements of the Company in Item 1, Financial Statements.
Shareholders’ Equity and Regulatory Matters
Shareholders’ EquitySeptember 30, 2026December 31, 2025$ Change% Change
Common stock$488,612 $488,612 $— — %
Treasury stock(275,384)(103,494)(171,890)166.1 
Additional paid-in capital2,394,732 2,392,997 1,735 0.1 
Retained earnings1,384,885 1,196,522 188,363 15.7 
Accumulated other comprehensive loss(160,745)(89,732)(71,013)79.1 
Total shareholders’ equity$3,832,100 $3,884,905 $(52,805)(1.4)%
Book value per share$42.41 $41.05 $1.36 3.3 %
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 nine months of 2026, the Company repurchased 4,501,153 shares under the program at an average price of $39.89 per share. This program expired in October 2026 and was replaced with a $175,000 stock repurchase program approved on October 2026. This new plan will remain in effect through October 2027 or, if earlier, the date in which the entire authorized amount is repurchased.
The Company has junior subordinated debentures with a carrying value of $141,460 at September 30, 2026, of which $137,062 was included in the Company’s Tier 2 capital.
The Company has subordinated notes with a par value of $633,400 at September 30, 2026, of which $613,374 is included in the Company’s Tier 2 capital.
The Federal Reserve, the Federal Deposit Insurance Corporation (“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:
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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%
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
September 30, 2026
Renasant Corporation:
Risk-based capital ratios:
Common equity tier 1 capital ratio$2,447,931 10.92 %$1,457,559 6.50 %$1,569,679 7.00 %
Tier 1 risk-based capital ratio2,447,931 10.92 1,793,919 8.00 1,906,038 8.50 
Total risk-based capital ratio3,479,183 15.52 2,242,398 10.00 2,354,518 10.50 
Leverage capital ratios:
Tier 1 leverage ratio2,447,931 9.54 1,283,433 5.00 1,026,746 4.00 
Renasant Bank:
Risk-based capital ratios:
Common equity tier 1 capital ratio$2,784,817 12.42 %$1,457,559 6.50 %$1,569,679 7.00 %
Tier 1 risk-based capital ratio2,784,817 12.42 1,793,919 8.00 1,906,038 8.50 
Total risk-based capital ratio3,065,567 13.67 2,242,398 10.00 2,354,518 10.50 
Leverage capital ratios:
Tier 1 leverage ratio2,784,817 10.86 1,282,006 5.00 1,025,605 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 2,157,919 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 

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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 September 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, “Summary of 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, filed with the SEC on March 2, 2026. 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 (the “Exchange Act”)) are not effective for ensuring that information the Company is required to disclose in reports that it files or submits under the Exchange Act 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 September 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)
July 1, 2026 to July 31, 2026304 $42.57 — $101,809 
August 1, 2026 to August 31, 2026329,658 42.44 329,250 87,985 
September 1, 2026 to September 30, 2026720,885 40.42 720,584 59,172 
Total1,050,847 $41.05 1,049,834 
(1)Of the shares in this column, 1,013 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 third quarter of 2026, the Company repurchased 1,049,834 shares under the program. This program expired in October 2026 and was replaced with a $175.0 million stock repurchase program approved in October 2026. This new plan will remain in effect through October 2027 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 September 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
2.1
3.1
3.2
10.1
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 September 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 September 30, 2026, formatted in Inline XBRL (included in Exhibit 101).

(1)Filed as exhibit 2.1 to the Form 8-K of the Company filed with the Securities and Exchange Commission (the “Commission”) on October 27, 2026, and incorporated herein by reference.
(2)Filed as exhibit 3.1 to the Form 10-Q of the Company filed with the Commission on August 6, 2025, and incorporated herein by reference.
(3)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.
(4)Filed as exhibit 10.1 to the Form 8-K of the Company filed with the Commission on August 25, 2026, and incorporated herein by reference.
*Certain schedules and similar attachments have been omitted pursuant to Item 601(a)(5) of Regulation S-K. The registrant hereby agrees to furnish a copy of any omitted schedule or similar attachment to the SEC upon request.

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:November 4, 2026/s/ Kevin D. Chapman
Kevin D. Chapman
President and Chief Executive Officer
(Principal Executive Officer)
Date:November 4, 2026/s/ James C. Mabry IV
James C. Mabry IV
Executive Vice President and
Chief Financial Officer
(Principal Financial Officer)
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