Form 8-K

8-K — RENASANT CORP

Accession: 0000715072-26-000036

Filed: 2026-04-28

Period: 2026-04-28

CIK: 0000715072

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — rnst-20260428.htm (Primary)

EX-99.1 (exhibit991_rnstx1q2026earn.htm)

EX-99.2 (rnstq12026earningsdeck_f.htm)

GRAPHIC (renasantcorporationlogo-fu.jpg)

GRAPHIC (rnstq12026earningsdeck_f001.jpg)

GRAPHIC (rnstq12026earningsdeck_f002.jpg)

GRAPHIC (rnstq12026earningsdeck_f003.jpg)

GRAPHIC (rnstq12026earningsdeck_f004.jpg)

GRAPHIC (rnstq12026earningsdeck_f005.jpg)

GRAPHIC (rnstq12026earningsdeck_f006.jpg)

GRAPHIC (rnstq12026earningsdeck_f007.jpg)

GRAPHIC (rnstq12026earningsdeck_f008.jpg)

GRAPHIC (rnstq12026earningsdeck_f009.jpg)

GRAPHIC (rnstq12026earningsdeck_f010.jpg)

GRAPHIC (rnstq12026earningsdeck_f011.jpg)

GRAPHIC (rnstq12026earningsdeck_f012.jpg)

GRAPHIC (rnstq12026earningsdeck_f013.jpg)

GRAPHIC (rnstq12026earningsdeck_f014.jpg)

GRAPHIC (rnstq12026earningsdeck_f015.jpg)

GRAPHIC (rnstq12026earningsdeck_f016.jpg)

GRAPHIC (rnstq12026earningsdeck_f017.jpg)

GRAPHIC (rnstq12026earningsdeck_f018.jpg)

GRAPHIC (rnstq12026earningsdeck_f019.jpg)

GRAPHIC (rnstq12026earningsdeck_f020.jpg)

GRAPHIC (rnstq12026earningsdeck_f021.jpg)

GRAPHIC (rnstq12026earningsdeck_f022.jpg)

GRAPHIC (rnstq12026earningsdeck_f023.jpg)

GRAPHIC (rnstq12026earningsdeck_f024.jpg)

GRAPHIC (rnstq12026earningsdeck_f025.jpg)

GRAPHIC (rnstq12026earningsdeck_f026.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: rnst-20260428.htm · Sequence: 1

rnst-20260428

0000715072false00007150722025-10-282025-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

April 28, 2026

Date of report (Date of earliest event reported)

RENASANT CORPORATION

(Exact name of registrant as specified in its charter)

Mississippi

001-13253

64-0676974

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

209 Troy Street, Tupelo, Mississippi 38804-4827

(Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (662) 680-1001

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common stock, $5.00 par value per share RNST The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). 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. ☐

Item 2.02. Results of Operations and Financial Condition.

On April 28, 2026, Renasant Corporation (the “Company”) issued a press release announcing earnings for the first quarter of 2026. The press release is furnished as Exhibit 99.1 to this Form 8-K.

Item 7.01. Regulation FD Disclosure

On April 28, 2026, the Company also made available presentation materials (the “Presentation”) prepared for use with its earnings conference call on April 29, 2026. The Presentation is attached hereto and incorporated herein as Exhibit 99.2.

In accordance with General Instruction B.2 of Form 8-K, the information in this Item 7.01, including Exhibit 99.2, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and shall not be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such filing.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS:

This press release may contain, or incorporate by reference, statements about Renasant Corporation 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 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 the Company’s actual results to differ materially from those in forward-looking statements include the following: (i) the Company’s ability to efficiently integrate acquisitions into its 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 the Company has 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 the Company’s most recent Annual Report on Form 10-K; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and 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 the Company’s 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 the Company uses to make loans and otherwise fund the Company’s 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.

Management believes that the assumptions underlying Company’s forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described in the Company’s filings with the Securities and Exchange Commission (the “SEC”) from time to time, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC’s website at www.sec.gov.

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.

Item 9.01. Financial Statements and Exhibits.

(d) The following exhibits are furnished herewith:

Exhibit No. Description

99.1 Press release issued by Renasant Corporation announcing earnings for the first quarter of 2026

99.2 Presentation materials for Renasant Corporation First Quarter 2026 Earnings Call

104 The cover page of Renasant Corporation's Form 8-K is formatted in Inline XBRL.

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 hereunto duly authorized.

RENASANT CORPORATION

Date: April 28, 2026

By:

/s/ Kevin D. Chapman

Kevin D. Chapman

Chief Executive Officer

EX-99.1

Filename: exhibit991_rnstx1q2026earn.htm · Sequence: 2

Document

Contacts: For Media: For Financials:

John S. Oxford James C. Mabry IV

Senior Vice President Executive Vice President

Chief Marketing Officer Chief Financial Officer

(662) 680-1219 (662) 680-1281

RENASANT CORPORATION ANNOUNCES

EARNINGS FOR THE FIRST QUARTER OF 2026 AND AN INCREASE IN ITS QUARTERLY DIVIDEND

TUPELO, MISSISSIPPI (April 28, 2026) - Renasant Corporation (NYSE: RNST) (the “Company”) today announced earnings results for the first quarter of 2026.

(Dollars in thousands, except earnings per share) Three Months Ended

Mar 31, 2026 Dec 31, 2025 Mar 31, 2025

Net income and earnings per share:

Net income $88,228 $78,948 $41,518

Merger and conversion related expenses (net of tax) — (7,931) (593)

Basic EPS 0.94 0.84 0.65

Diluted EPS 0.94 0.83 0.65

Adjusted diluted EPS (Non-GAAP)(1)

0.93 0.91 0.66

Impact to diluted EPS from merger and conversion related expenses (net of tax) — (0.08) (0.01)

The Company also announced today that the Company’s Board of Directors has approved a quarterly cash dividend of $0.24 per share to be paid June 30, 2026, to shareholders of record as of June 16, 2026. This represents a $0.01 increase in the Company’s quarterly dividend.

“Two years ago, we challenged ourselves by setting aspirational goals to improve the financial performance of Renasant. The strong financial results for the first quarter exceeded the goals we set for ourselves and reflect the strong performance of our team. We are also pleased to announce our second dividend increase within the last six months,” remarked Kevin D. Chapman, President and Chief Executive Officer of the Company. “We believe we are well positioned to build upon this success in future quarters as our team remains focused on growing customer relationships and hiring talent throughout our Southeastern markets.”

Quarterly Highlights

Performance Metrics

•Return on assets was 1.33% for the first quarter of 2026, up from 0.94% in the first quarter of 2025

•Return on average equity for the first quarter of 2026 was 9.20%, up from 6.25% in the first quarter of 2025

•Return on average tangible common equity (non-GAAP)(1) was 16.36% for the first quarter of 2026, up from 10.16% in the first quarter of 2025

•Our efficiency ratio improved to 55.73% for the first quarter of 2026, down from 65.51% in the first quarter of 2025, and the adjusted efficiency ratio (non-GAAP)(1) improved to 52.82% for the first quarter of 2026, down from 64.43% in the first quarter of 2025

Earnings

•Net income for the first quarter of 2026 was $88.2 million; diluted EPS and adjusted diluted EPS (non-GAAP)(1) were $0.94 and $0.93, respectively

•Net interest income (fully tax equivalent) for the first quarter of 2026 was $228.4 million, down $3.9 million linked quarter

•For the first quarter of 2026, net interest margin was 3.87%, down 2 basis points linked quarter. Adjusted net interest margin (non-GAAP)(1) was 3.61%, down 1 basis point linked quarter

•Cost of total deposits was 1.94% for the first quarter of 2026, down 3 basis points linked quarter

•Noninterest income decreased $0.9 million linked quarter

•Mortgage banking income increased $0.5 million linked quarter. The mortgage division generated $542.3 million in interest rate lock volume in the first quarter of 2026, up $52.8 million linked quarter. Gain on sale margin was 1.85% for the first quarter of 2026, down 14 basis points linked quarter

•Noninterest expense decreased $15.4 million linked quarter, which includes a $10.6 million decrease in merger and conversion related expenses. The Company continued to realize cost savings from the integration with The First Bancshares, Inc. in the first quarter of 2026

Balance Sheet

•Loans decreased $71.8 million linked quarter, representing a 1.5% annualized net loan decrease

•Securities increased $225.3 million linked quarter. The Company purchased $379.0 million in securities during the first quarter which was offset by a negative fair market value adjustment in the Company’s available-for-sale portfolio of $15.9 million and cash flows related to principal payments, calls and maturities of $141.5 million

•Deposits at March 31, 2026 increased $626.4 million linked quarter. Seasonal increases in public fund deposits contributed $380.4 million to the overall increase. Noninterest bearing deposits increased $139.5 million linked quarter and represented 23.5% of total deposits at March 31, 2026

Capital and Stock Repurchase Program

•Book value per share and tangible book value per share (non-GAAP)(1) both increased 1.4% linked quarter

•During the first quarter of 2026, the Company repurchased $75.0 million of common stock at a weighted average price of $39.53. In April, an additional $25.0 million has been repurchased at a weighted average price of $38.36

•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. This plan, under which the Company is authorized to repurchase outstanding shares of its common stock either in open market purchases or privately negotiated transactions, will remain in effect until the earlier of October 2026 or the repurchase of the entire amount authorized under the plan. With this increase, as of April 28, 2026, approximately $136.8 million in repurchase authorization remains available under the program.

Credit Quality

•The Company recorded a provision for credit losses on loans and unfunded commitments of $4.2 million and $3.9 million, respectively for the first quarter of 2026, representing a decrease of $1.2 million and $1.6 million, respectively, linked quarter

•The ratio of the allowance for credit losses on loans to total loans was 1.56% at March 31, 2026, up 2 basis points linked quarter

•The coverage ratio, or the allowance for credit losses on loans to nonperforming loans, was 147.71% at March 31, 2026, compared to 167.00% at December 31, 2025

•Net loan charge-offs for the first quarter of 2026 were $2.3 million, or 0.05% annualized, down $6.8 million linked quarter

•Nonperforming loans to total loans increased to 1.06% at March 31, 2026 compared to 0.92% at

December 31, 2025, and criticized loans (which include classified and Special Mention loans) to total loans decreased to 2.77% at March 31, 2026, compared to 2.94% at December 31, 2025

(1) This is a non-GAAP financial measure. A reconciliation of all non-GAAP financial measures disclosed in this release from GAAP to non-GAAP is included in the tables at the end of this release. The information below under the heading “Non-GAAP Financial Measures” explains why the Company believes the non-GAAP financial measures in this release provide useful information and describes the other purposes for which the Company uses non-GAAP financial measures.

Income Statement

(Dollars in thousands, except per share data) Three Months Ended

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Interest income

Loans held for investment $ 295,397 $ 305,604 $ 308,110 $ 301,794 $ 196,566

Loans held for sale 2,876 3,617 4,675 4,639 3,008

Securities 32,266 30,232 30,217 28,408 12,117

Other 7,581 7,480 8,096 9,057 8,639

Total interest income 338,120 346,933 351,098 343,898 220,330

Interest expense

Deposits 103,860 105,673 115,573 111,921 79,386

Borrowings 10,701 13,867 12,005 13,118 6,747

Total interest expense 114,561 119,540 127,578 125,039 86,133

Net interest income 223,559 227,393 223,520 218,859 134,197

Provision for credit losses

Provision for loan losses 4,224 5,473 9,650 75,400 2,050

Provision for unfunded commitments 3,856 5,462 800 5,922 2,700

Total provision for credit losses 8,080 10,935 10,450 81,322 4,750

Net interest income after provision for credit losses 215,479 216,458 213,070 137,537 129,447

Noninterest income 50,272 51,125 46,026 48,334 36,395

Noninterest expense 155,328 170,750 183,830 183,204 113,876

Income before income taxes 110,423 96,833 75,266 2,667 51,966

Income taxes 22,195 17,885 15,478 1,649 10,448

Net income $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 41,518

Adjusted net income (non-GAAP)(1)

$ 88,071 $ 86,879 $ 72,917 $ 65,877 $ 42,111

Adjusted pre-provision net revenue (“PPNR”) (non-GAAP)(1)

$ 118,294 $ 118,335 $ 103,210 $ 103,001 $ 57,507

Basic earnings per share $ 0.94 $ 0.84 $ 0.63 $ 0.01 $ 0.65

Diluted earnings per share 0.94 0.83 0.63 0.01 0.65

Adjusted diluted earnings per share (non-GAAP)(1)

0.93 0.91 0.77 0.69 0.66

Average basic shares outstanding 93,693,615 94,469,544 94,623,551 94,580,927 63,666,419

Average diluted shares outstanding 94,228,343 95,172,380 95,284,603 95,136,160 64,028,025

Cash dividends per common share $ 0.23 $ 0.23 $ 0.22 $ 0.22 $ 0.22

Performance Ratios

Three Months Ended

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Return on average assets 1.33 % 1.17 % 0.90 % 0.02 % 0.94 %

Adjusted return on average assets (non-GAAP)(1)

1.33 1.29 1.09 1.01 0.95

Return on average tangible assets (non-GAAP)(1)

1.51 1.35 1.06 0.13 1.01

Adjusted return on average tangible assets (non-GAAP)(1)

1.51 1.47 1.27 1.18 1.02

Return on average equity 9.20 8.14 6.25 0.11 6.25

Adjusted return on average equity (non-GAAP)(1)

9.19 8.95 7.62 7.06 6.34

Return on average tangible equity (non-GAAP)(1)

16.36 14.80 11.87 1.43 10.16

Adjusted return on average tangible equity (non-GAAP)(1)

16.33 16.18 14.22 13.50 10.30

Efficiency ratio (fully taxable equivalent) 55.73 60.23 67.05 67.59 65.51

Adjusted efficiency ratio (non-GAAP)(1)

52.82 53.52 57.51 57.07 64.43

Dividend payout ratio 24.47 27.38 34.92 2200.00 33.85

Capital and Balance Sheet Ratios

As of

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Shares outstanding 92,881,329 94,636,207 95,020,881 95,019,311 63,739,467

Market value per share $ 36.13 $ 35.22 $ 36.89 $ 35.93 $ 33.93

Book value per share 41.63 41.05 40.26 39.77 42.79

Tangible book value per share (non-GAAP)(1)

25.00 24.65 23.77 23.10 27.07

Shareholders’ equity to assets 14.27 % 14.52 % 14.31 % 14.19 % 14.93 %

Tangible common equity ratio (non-GAAP)(1)

9.08 9.26 8.98 8.77 9.99

Leverage ratio(2)

9.54 9.61 9.46 9.36 11.39

Common equity tier 1 capital ratio(2)

11.22 11.24 11.04 11.08 12.59

Tier 1 risk-based capital ratio(2)

11.22 11.24 11.04 11.08 13.35

Total risk-based capital ratio(2)

14.77 14.78 14.88 14.97 16.89

(2) Preliminary

Noninterest Income and Noninterest Expense

(Dollars in thousands) Three Months Ended

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Noninterest income

Service charges on deposit accounts $ 14,740 $ 14,535 $ 13,416 $ 13,618 $ 10,364

Fees and commissions 4,654 5,192 4,167 6,650 3,787

Wealth management revenue 8,678 8,572 8,217 7,345 7,067

Mortgage banking income 9,435 8,924 9,017 11,263 8,147

BOLI income 3,689 3,697 4,235 3,383 2,929

Other 9,076 10,205 6,974 6,075 4,101

Total noninterest income $ 50,272 $ 51,125 $ 46,026 $ 48,334 $ 36,395

Noninterest expense

Salaries and employee benefits $ 91,749 $ 98,082 $ 98,982 $ 99,542 $ 71,957

Data processing 5,221 5,636 5,541 5,438 4,089

Net occupancy and equipment 18,031 16,123 18,415 17,359 11,754

Other real estate owned 1,399 481 328 157 685

Professional fees 4,402 4,327 3,435 4,223 2,884

Advertising and public relations 4,599 4,314 5,254 4,490 4,297

Intangible amortization 8,220 8,465 8,674 8,884 1,080

Communications 4,009 4,493 3,955 3,184 2,033

Merger and conversion related expenses — 10,567 17,494 20,479 791

Other 17,698 18,262 21,752 19,448 14,306

Total noninterest expense $ 155,328 $ 170,750 $ 183,830 $ 183,204 $ 113,876

Mortgage Banking Income

(Dollars in thousands) Three Months Ended

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Gain on sales of loans, net(1)

$ 5,305 $ 5,243 $ 5,270 $ 5,316 $ 4,500

Fees, net 2,842 2,970 3,050 3,740 2,317

Mortgage servicing income, net 1,288 711 697 2,207 1,330

Total mortgage banking income $ 9,435 $ 8,924 $ 9,017 $ 11,263 $ 8,147

(1) Gain on sales of loans, net includes pipeline fair value adjustments

Balance Sheet

(Dollars in thousands) As of

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Assets

Cash and cash equivalents $ 1,216,980 $ 1,070,718 $ 1,083,785 $ 1,378,612 $ 1,091,339

Securities held to maturity, at amortized cost 1,006,511 1,030,073 1,051,884 1,076,817 1,101,901

Securities available for sale, at fair value 2,809,647 2,560,818 2,512,650 2,471,487 1,002,056

Loans held for sale, at fair value 230,980 265,959 286,779 356,791 226,003

Loans held for investment 18,975,248 19,047,039 19,025,521 18,563,447 13,055,593

Allowance for credit losses on loans (295,862) (293,955) (297,591) (290,770) (203,931)

Loans, net 18,679,386 18,753,084 18,727,930 18,272,677 12,851,662

Premises and equipment, net 463,723 465,141 471,213 465,100 279,011

Other real estate owned 12,954 15,191 10,578 11,750 8,654

Goodwill 1,406,667 1,405,840 1,411,711 1,419,782 988,898

Other intangibles 138,392 146,612 155,077 163,751 13,025

Bank-owned life insurance 494,874 492,541 488,920 486,613 337,502

Mortgage servicing rights 64,850 65,271 65,466 64,539 72,902

Other assets 582,310 480,178 460,172 457,056 298,428

Total assets $ 27,107,274 $ 26,751,426 $ 26,726,165 $ 26,624,975 $ 18,271,381

Liabilities and Shareholders’ Equity

Liabilities

Deposits:

Noninterest-bearing $ 5,183,426 $ 5,043,960 $ 5,238,431 $ 5,356,153 $ 3,541,375

Interest-bearing 16,916,058 16,429,110 16,186,124 16,226,484 11,230,720

Total deposits 22,099,484 21,473,070 21,424,555 21,582,637 14,772,095

Short-term borrowings 305,863 555,774 606,063 405,349 108,015

Long-term debt 500,342 499,756 558,878 556,976 433,309

Other liabilities 334,667 337,921 310,891 301,159 230,857

Total liabilities 23,240,356 22,866,521 22,900,387 22,846,121 15,544,276

Shareholders’ equity:

Common stock 488,612 488,612 488,612 488,612 332,421

Treasury stock (173,835) (103,494) (90,297) (90,248) (91,646)

Additional paid-in capital 2,388,649 2,392,997 2,389,033 2,393,566 1,486,849

Retained earnings 1,263,116 1,196,522 1,139,600 1,100,965 1,121,102

Accumulated other comprehensive loss (99,624) (89,732) (101,170) (114,041) (121,621)

Total shareholders’ equity

3,866,918 3,884,905 3,825,778 3,778,854 2,727,105

Total liabilities and shareholders’ equity

$ 27,107,274 $ 26,751,426 $ 26,726,165 $ 26,624,975 $ 18,271,381

Net Interest Income and Net Interest Margin

(Dollars in thousands) Three Months Ended

March 31, 2026 December 31, 2025 March 31, 2025

Average

Balance Interest

Income/

Expense Yield/

Rate Average

Balance Interest

Income/

Expense Yield/

Rate Average

Balance Interest

Income/

Expense Yield/

Rate

Interest-earning assets:

Loans held for investment $ 19,035,115 $ 299,125 6.37 % $ 19,041,103 $ 309,667 6.45 % $ 12,966,869 $ 199,504 6.24 %

Loans held for sale 211,507 2,876 5.44 % 254,086 3,617 5.70 % 200,917 3,008 5.99 %

Taxable securities 3,380,880 28,861 3.41 % 3,237,156 27,122 3.35 % 1,883,535 10,971 2.33 %

Tax-exempt securities 432,789 4,542 4.20 % 433,556 4,015 3.70 % 259,800 1,443 2.22 %

Total securities 3,813,669 33,403 3.50 % 3,670,712 31,137 3.39 % 2,143,335 12,414 2.32 %

Interest-bearing balances with banks 823,706 7,581 3.73 % 784,455 7,480 3.78 % 824,743 8,639 4.25 %

Total interest-earning assets 23,883,997 342,985 5.81 % 23,750,356 351,901 5.89 % 16,135,864 223,565 5.61 %

Cash and due from banks 290,611 287,137 181,869

Intangible assets 1,548,244 1,563,189 1,002,511

Other assets 1,132,508 1,092,857 669,392

Total assets $ 26,855,360 $ 26,693,539 $ 17,989,636

Interest-bearing liabilities:

Interest-bearing demand(1)

$ 11,741,333 $ 72,025 2.49 % $ 11,428,429 $ 74,782 2.60 % $ 7,835,617 $ 54,710 2.83 %

Savings deposits 1,289,327 876 0.28 % 1,275,274 874 0.27 % 813,451 711 0.35 %

Time deposits 3,583,946 30,959 3.50 % 3,439,216 30,017 3.46 % 2,474,218 23,965 3.93 %

Total interest-bearing deposits 16,614,606 103,860 2.54 % 16,142,919 105,673 2.60 % 11,123,286 79,386 2.89 %

Borrowed funds 973,114 10,701 4.44 % 1,242,124 13,867 4.44 % 556,734 6,747 4.88 %

Total interest-bearing liabilities 17,587,720 114,561 2.64 % 17,385,043 119,540 2.73 % 11,680,020 86,133 2.99 %

Noninterest-bearing deposits 5,088,817 5,183,691 3,408,830

Other liabilities 290,242 275,014 208,105

Shareholders’ equity 3,888,581 3,849,791 2,692,681

Total liabilities and shareholders’ equity $ 26,855,360 $ 26,693,539 $ 17,989,636

Net interest income/ net interest margin $ 228,424 3.87 % $ 232,361 3.89 % $ 137,432 3.45 %

Cost of funding 2.05 % 2.10 % 2.31 %

Cost of total deposits 1.94 % 1.97 % 2.22 %

(1) Interest-bearing demand deposits include interest-bearing transactional accounts and money market deposits.

Loan Portfolio

(Dollars in thousands) As of

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Loan Portfolio:

Real estate - 1-4 family mortgage $ 4,584,118 $ 4,635,033 $ 4,642,657 $ 4,648,443 $ 3,457,192

Construction and Land Development 1,898,629 1,905,636 1,990,657 1,795,197 1,325,547

Commercial Real Estate - Non-Owner Occupied 6,135,543 6,245,480 6,120,677 5,953,135 4,262,147

Commercial Real Estate - Owner Occupied 3,357,965 3,334,664 3,321,186 3,288,005 1,949,177

Commercial and Industrial 2,895,477 2,818,326 2,834,669 2,756,491 1,973,991

Consumer 103,516 107,900 115,675 122,176 87,539

Total loans $ 18,975,248 $ 19,047,039 $ 19,025,521 $ 18,563,447 $ 13,055,593

Credit Quality and Allowance for Credit Losses on Loans

(Dollars in thousands) As of

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Nonperforming Assets:

Nonaccruing loans $ 197,515 $ 175,730 $ 170,756 $ 137,999 $ 98,638

Loans 90 days or more past due 2,779 288 792 3,860 95

Total nonperforming loans 200,294 176,018 171,548 141,859 98,733

Other real estate owned 12,954 15,191 10,578 11,750 8,654

Total nonperforming assets $ 213,248 $ 191,209 $ 182,126 $ 153,609 $ 107,387

Criticized Loans

Classified loans $ 349,068 $ 359,235 $ 392,721 $ 333,626 $ 224,654

Special Mention loans 176,345 201,428 219,792 159,931 95,778

Criticized loans $ 525,413 $ 560,663 $ 612,513 $ 493,557 $ 320,432

Allowance for credit losses on loans $ 295,862 $ 293,955 $ 297,591 $ 290,770 $ 203,931

Net loan charge-offs (recoveries) $ 2,317 $ 9,109 $ 4,339 $ 12,054 $ (125)

Annualized net loan charge-offs / average loans 0.05 % 0.19 % 0.09 % 0.26 % — %

Nonperforming loans / total loans 1.06 0.92 0.90 0.76 0.76

Nonperforming assets / total assets 0.79 0.71 0.68 0.58 0.59

Allowance for credit losses on loans / total loans 1.56 1.54 1.56 1.57 1.56

Allowance for credit losses on loans / nonperforming loans 147.71 167.00 173.47 204.97 206.55

Criticized loans / total loans 2.77 2.94 3.22 2.66 2.45

CONFERENCE CALL INFORMATION:

A live audio webcast of a conference call with analysts will be available beginning at 10:00 AM Eastern Time (9:00 AM Central Time) on Wednesday, April 29, 2026.

The webcast is accessible through Renasant’s investor relations website at www.renasant.com or https://event.choruscall.com/mediaframe/webcast.html?webcastid=SgFaqN4L. To access the conference via telephone, dial 1-877-513-1143 in the United States and request the Renasant Corporation 2026 First Quarter Earnings Webcast and Conference Call. International participants should dial 1-412-902-4145 to access the conference call.

The webcast will be archived on www.renasant.com after the call and will remain accessible for one year. A replay can be accessed via telephone by dialing 1-855-669-9658 in the United States and entering conference number 8054019 or by dialing 1-412-317-0088 internationally and entering the same conference number. Telephone replay access is available until May 13, 2026.

ABOUT RENASANT CORPORATION:

Renasant Corporation is the parent of Renasant Bank, a 122-year-old financial services institution. Renasant has assets of approximately $27.1 billion and operates 282 banking, lending, mortgage and wealth management offices throughout the Southeast and also offers factoring and asset-based lending on a nationwide basis.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS:

and costs of the capital the Company uses to make loans and otherwise fund the Company’s 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.

Management believes that the assumptions underlying the Company’s forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described in the Company’s filings with the Securities and Exchange Commission (the “SEC”) from time to time, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC’s website at www.sec.gov.

NON-GAAP FINANCIAL MEASURES:

In addition to results presented in accordance with generally accepted accounting principles in the United States of America (“GAAP”), this press release and the presentation slides furnished to the SEC on the same Form 8-K as this release contain non-GAAP financial measures, namely, (i) adjusted loan yield, (ii) adjusted net interest income and margin, (iii) pre-provision net revenue (including on an as-adjusted basis), (iv) adjusted net revenue and net income, (v) adjusted diluted earnings per share, (vi) tangible book value per share, (vii) the tangible common equity ratio, (viii) the adjusted return on average assets and on average equity and certain other performance ratios (namely, the ratio of pre-provision net revenue to average assets and the return on average tangible assets and on average tangible common equity (including each of the foregoing on an as-adjusted basis)), (ix) adjusted noninterest expense, and (x) the adjusted efficiency ratio.

These non-GAAP financial measures adjust GAAP financial measures to exclude intangible assets, including related amortization, and/or certain gains or charges (such as, for the first quarter of 2026, gains on sales of mortgage servicing rights), with respect to which the Company is unable to accurately predict when these charges will be incurred or, when incurred, the amount thereof. Management uses these non-GAAP financial measures when evaluating capital utilization and adequacy. In addition, the Company believes that these non-GAAP financial measures facilitate the making of period-to-period comparisons and are meaningful indicators of its operating performance, particularly because these measures are widely used by industry analysts for companies with merger and acquisition activities. Also, because intangible assets such as goodwill and the core deposit intangible can vary extensively from company to company and, as to intangible assets, are excluded from the calculation of a financial institution’s regulatory capital, the Company believes that the presentation of this non-GAAP financial information allows readers to more easily compare the Company’s results to information provided in other regulatory reports and the results of other companies. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are included in the tables below under the caption “Non-GAAP Reconciliations”.

None of the non-GAAP financial information that the Company has included in this release or the accompanying presentation slides are intended to be considered in isolation or as a substitute for any measure prepared in accordance with GAAP. Investors should note that, because there are no standardized definitions for the calculations as well as the results, the Company’s calculations may not be comparable to similarly titled measures presented by other companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider its consolidated financial statements in their entirety and not to rely on any single financial measure.

Non-GAAP Reconciliations

(Dollars in thousands, except per share data) Three Months Ended

Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Mar 31, 2025

Adjusted Pre-Provision Net Revenue (“PPNR”)

Net income (GAAP) $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 41,518

Income taxes 22,195 17,885 15,478 1,649 10,448

Provision for credit losses (including unfunded commitments) 8,080 10,935 10,450 81,322 4,750

Pre-provision net revenue (non-GAAP) $ 118,503 $ 107,768 $ 85,716 $ 83,989 $ 56,716

Merger and conversion related expenses — 10,567 17,494 20,479 791

Gain on sales of MSR (209) — — (1,467) —

Adjusted pre-provision net revenue (non-GAAP) $ 118,294 $ 118,335 $ 103,210 $ 103,001 $ 57,507

Adjusted Net Income and Adjusted Tangible Net Income

Net income (GAAP) $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 41,518

Amortization of intangibles 8,220 8,465 8,674 8,884 1,080

Tax effect of adjustments noted above(1)

(2,047) (2,112) (2,164) (2,212) (270)

Tangible net income (non-GAAP) $ 94,401 $ 85,301 $ 66,298 $ 7,690 $ 42,328

Net income (GAAP) $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 41,518

Merger and conversion related expenses — 10,567 17,494 20,479 791

Day 1 acquisition provision for loan losses — — — 62,190 —

Day 1 acquisition provision for unfunded commitments — — — 4,422 —

Gain on sales of MSR (209) — — (1,467) —

Tax effect of adjustments noted above(1)

52 (2,636) (4,365) (20,765) (198)

Adjusted net income (non-GAAP) $ 88,071 $ 86,879 $ 72,917 $ 65,877 $ 42,111

Amortization of intangibles 8,220 8,465 8,674 8,884 1,080

Tax effect of adjustments noted above(1)

(2,047) (2,112) (2,164) (2,212) (270)

Adjusted tangible net income (non-GAAP) $ 94,244 $ 93,232 $ 79,427 $ 72,549 $ 42,921

Tangible Assets and Tangible Shareholders’ Equity

Average shareholders’ equity (GAAP)

$ 3,888,581 $ 3,849,791 $ 3,794,996 $ 3,745,051 $ 2,692,681

Average intangible assets (1,548,244) (1,563,189) (1,578,846) (1,589,490) (1,002,511)

Average tangible shareholders’ equity (non-GAAP)

$ 2,340,337 $ 2,286,602 $ 2,216,150 $ 2,155,561 $ 1,690,170

Average assets (GAAP) $ 26,855,360 $ 26,693,539 $ 26,456,596 $ 26,182,865 $ 17,989,636

Average intangible assets (1,548,244) (1,563,189) (1,578,846) (1,589,490) (1,002,511)

Average tangible assets (non-GAAP) $ 25,307,116 $ 25,130,350 $ 24,877,750 $ 24,593,375 $ 16,987,125

Shareholders’ equity (GAAP)

$ 3,866,918 $ 3,884,905 $ 3,825,778 $ 3,778,854 $ 2,727,105

Intangible assets (1,545,059) (1,552,452) (1,566,788) (1,583,533) (1,001,923)

Tangible shareholders’ equity (non-GAAP)

$ 2,321,859 $ 2,332,453 $ 2,258,990 $ 2,195,321 $ 1,725,182

Total assets (GAAP) $ 27,107,274 $ 26,751,426 $ 26,726,165 $ 26,624,975 $ 18,271,381

Intangible assets (1,545,059) (1,552,452) (1,566,788) (1,583,533) (1,001,923)

Total tangible assets (non-GAAP) $ 25,562,215 $ 25,198,974 $ 25,159,377 $ 25,041,442 $ 17,269,458

Adjusted Performance Ratios

Return on average assets (GAAP) 1.33 % 1.17 % 0.90 % 0.02 % 0.94 %

Adjusted return on average assets (non-GAAP) 1.33 1.29 1.09 1.01 0.95

Return on average tangible assets (non-GAAP) 1.51 1.35 1.06 0.13 1.01

Pre-provision net revenue to average assets (non-GAAP) 1.79 1.60 1.29 1.29 1.28

Adjusted pre-provision net revenue to average assets (non-GAAP) 1.79 1.76 1.55 1.58 1.30

Adjusted return on average tangible assets (non-GAAP) 1.51 1.47 1.27 1.18 1.02

Return on average equity (GAAP) 9.20 8.14 6.25 0.11 6.25

Adjusted return on average equity (non-GAAP) 9.19 8.95 7.62 7.06 6.34

Return on average tangible equity (non-GAAP) 16.36 14.80 11.87 1.43 10.16

Adjusted return on average tangible equity (non-GAAP) 16.33 16.18 14.22 13.50 10.30

Adjusted Diluted Earnings Per Share

Average diluted shares outstanding 94,228,343 95,172,380 95,284,603 95,136,160 64,028,025

Diluted earnings per share (GAAP) $ 0.94 $ 0.83 $ 0.63 $ 0.01 $ 0.65

Adjusted diluted earnings per share (non-GAAP) $ 0.93 $ 0.91 $ 0.77 $ 0.69 $ 0.66

Tangible Book Value Per Share

Shares outstanding 92,881,329 94,636,207 95,020,881 95,019,311 63,739,467

Book value per share (GAAP) $ 41.63 $ 41.05 $ 40.26 $ 39.77 $ 42.79

Tangible book value per share (non-GAAP) $ 25.00 $ 24.65 $ 23.77 $ 23.10 $ 27.07

Tangible Common Equity Ratio

Shareholders’ equity to assets (GAAP) 14.27 % 14.52 % 14.31 % 14.19 % 14.93 %

Tangible common equity ratio (non-GAAP) 9.08 % 9.26 % 8.98 % 8.77 % 9.99 %

Adjusted Efficiency Ratio

Net interest income (FTE) (GAAP) $ 228,424 $ 232,361 $ 228,131 $ 222,717 $ 137,432

Total noninterest income (GAAP) $ 50,272 $ 51,125 $ 46,026 $ 48,334 $ 36,395

Gain on sales of MSR (209) — — (1,467) —

Total adjusted noninterest income (non-GAAP) $ 50,063 $ 51,125 $ 46,026 $ 46,867 $ 36,395

Noninterest expense (GAAP) $ 155,328 $ 170,750 $ 183,830 $ 183,204 $ 113,876

Amortization of intangibles (8,220) (8,465) (8,674) (8,884) (1,080)

Merger and conversion expense — (10,567) (17,494) (20,479) (791)

Total adjusted noninterest expense (non-GAAP) $ 147,108 $ 151,718 $ 157,662 $ 153,841 $ 112,005

Efficiency ratio (GAAP) 55.73 % 60.23 % 67.05 % 67.59 % 65.51 %

Adjusted efficiency ratio (non-GAAP) 52.82 % 53.52 % 57.51 % 57.07 % 64.43 %

Adjusted Net Revenue

Net interest income (FTE) (GAAP) $ 228,424 $ 232,361 $ 228,131 $ 222,717 $ 137,432

Total adjusted noninterest income (non-GAAP) 50,063 51,125 46,026 46,867 36,395

Adjusted net revenue (non-GAAP) $ 278,487 $ 283,486 $ 274,157 $ 269,584 $ 173,827

Adjusted Net Interest Income and Adjusted Net Interest Margin

Net interest income (FTE) (GAAP) $ 228,424 $ 232,361 $ 228,131 $ 222,717 $ 137,432

Net interest income collected on problem loans (210) (2,767) (664) (2,779) (1,026)

Accretion recognized on purchased loans (15,248) (13,632) (16,862) (17,834) (558)

Amortization recognized on purchased time deposits — — 2,995 4,396 —

Amortization recognized on purchased long term borrowings 336 335 837 1,072 —

Adjustments to net interest income $ (15,122) $ (16,064) $ (13,694) $ (15,145) $ (1,584)

Adjusted net interest income (FTE) (non-GAAP) $ 213,302 $ 216,297 $ 214,437 $ 207,572 $ 135,848

Net interest margin (GAAP) 3.87 % 3.89 % 3.85 % 3.85 % 3.45 %

Adjusted net interest margin (non-GAAP) 3.61 % 3.62 % 3.62 % 3.58 % 3.42 %

Adjusted Loan Yield

Loan interest income (FTE) (GAAP) $ 299,125 $ 309,667 $ 311,903 $ 304,834 $ 199,504

Net interest income collected on problem loans (210) (2,767) (664) (2,779) (1,026)

Accretion recognized on purchased loans (15,248) (13,632) (16,862) (17,834) (558)

Adjusted loan interest income (FTE) (non-GAAP) $ 283,667 $ 293,268 $ 294,377 $ 284,221 $ 197,920

Loan yield (GAAP) 6.37 % 6.45 % 6.60 % 6.63 % 6.24 %

Adjusted loan yield (non-GAAP) 6.04 % 6.11 % 6.23 % 6.18 % 6.19 %

(1) Tax effect is calculated based on the respective legal entity’s appropriate federal and state tax rates (as applicable) for the period, and includes the estimated impact of both current and deferred tax expense.

###

EX-99.2

Filename: rnstq12026earningsdeck_f.htm · Sequence: 3

rnstq12026earningsdeck_f

First Quarter 2026 Earnings Call

Forward-Looking Statements This presentation may contain various statements about Renasant Corporation (“Renasant,” the “Company,” “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 our future financial performance, business strategy, projected plans and objectives and are based on the current beliefs and expectations of management. We believe 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 our control. In addition, these forward-looking statements are subject to assumptions about future business strategies and decisions that are subject to change. Actual results may differ from those indicated or implied in the forward-looking statements; such differences may be material. Prospective investors are cautioned that any forward-looking statements are not guarantees of future performance and involve risks and uncertainties. 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 the Company’s actual results to differ materially from those in forward-looking statements include the following: (i) the Company’s ability to efficiently integrate acquisitions into its 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 the Company has 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 the Company’s most recent Annual Report on Form 10-K; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and 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 the Company’s 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 the Company uses to make loans and otherwise fund the Company’s 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. Management believes that the assumptions underlying our forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described in Renasant’s filings with the Securities and Exchange Commission (“SEC”) from time to time, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC’s website at www.sec.gov. We undertake no obligation, and specifically disclaim any obligation, to update or revise our 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. 2

Assets: $27.1 billion Loans: 19.0 Deposits: 22.1 Equity: 3.9 Loans TN 11% MS 25% AL 22% FL 12% LA 4% GA 26% Deposits TN 8% MS 40% AL 14% FL 7% LA 3% GA 28% * 3 Overview * Republic Business Credit operates on a nationwide basis. Locations in California, Illinois and Texas are not shown. Snapshot Footprint Loans and Deposits by State(1) Note: As of March 31, 2026 (1) As determined by the office or branch of origination

First Quarter Highlights • Net income was $88.2 million with diluted EPS of $0.94 and adjusted diluted EPS (non- GAAP)(1) of $0.93 • Net interest margin was 3.87%, down 2 basis points linked quarter; adjusted net interest margin (non-GAAP)(1) decreased 1 basis point linked quarter to 3.61% • Return on assets was 1.33% for the first quarter of 2026, up from 0.94% in the first quarter of 2025 • Return on average equity for the first quarter of 2026 was 9.20%, up from 6.25% in the first quarter of 2025; return on average tangible common equity (non-GAAP)(1) was 16.36% for the first quarter of 2026, up from 10.16% in the first quarter of 2025 • Loans decreased $71.8 million, or 1.5% annualized • Deposits increased $626.4 million linked quarter. Seasonal increases in public fund deposits contributed $380.4 million to the overall increase. Noninterest bearing deposits increased $139.5 million linked quarter; noninterest-bearing deposits represented 23.5% of total deposits at March 31, 2026 • Loan yield decreased 8 basis points; adjusted loan yield (non-GAAP)(1) decreased 7 basis points • Cost of total deposits decreased 3 basis points to 1.94% • The ratio of the allowance for credit losses on loans to total loans increased 2 basis points to 1.56% linked quarter • Net loan charge-offs for the first quarter of 2026 were $2.3 million, or 0.05% annualized, down $6.8 million linked quarter • Nonperforming loans represented 1.06% of total loans, an increase of 14 basis points, and criticized loans to total loans decreased 17 basis points to 2.77% linked quarter (1) Adjusted diluted EPS, Adjusted net interest margin, Adjusted loan yield, Adjusted ROAA, ROATCE, Adjusted ROATCE and Adjusted efficiency ratio are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. 4 Net Income $88.2 million Diluted EPS 0.94 Adjusted Diluted EPS (non-GAAP)(1) 0.93 Net Interest Margin 3.87 % Adjusted Net Interest Margin (non- GAAP)(1) 3.61 Return on Average Assets (“ROAA”) 1.33 Adjusted ROAA (non-GAAP)(1) 1.33 Return on Average Tangible Common Equity (“ROATCE”) (non-GAAP)(1) 16.36 Adjusted ROATCE (non-GAAP)(1) 16.33 Efficiency Ratio 55.73 Adjusted Efficiency Ratio (non-GAAP)(1) 52.82

$18,271 $26,625 $26,726 $26,751 $27,107 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $13,056 $18,563 $19,026 $19,047 $18,975 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $14,772 $21,583 $21,425 $21,473 $22,099 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Note: Dollars in millions $2,727 $3,779 $3,826 $3,885 $3,867 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 5 Balance Sheet Assets Loans Deposits Equity

Note: Dollars in thousands (1) Includes money market deposits Composition Quarter Highlights 6 $22,099,484 $21,473,070 $21,424,555 $21,582,637 $14,772,095 Noninterest-bearing Interest-bearing (1) Savings Time 1Q 2026 4Q 2025 3Q 2025 2Q 2025 1Q 2025 Deposit Funding • Deposit growth of $626.4 million in 1Q 2026 represents 11.5% annualized growth • Noninterest-bearing deposits: 23.5% of total deposits • Average deposit account balance: $38 thousand • Commercial average account balance*: $89 thousand • Consumer average account balance*: $15 thousand • Top 20 depositors: 4.7% of total deposits* Customer Mix 44% 44% 44% 50% 48% 37% 38% 39% 31% 35% 19% 18% 17% 19% 17% Consumer Commercial Public Funds 1Q 2026 4Q 2025 3Q 2025 2Q 2025 1Q 2025 * Excludes time deposits and public fund deposits 2.22% 2.12% 2.14% 1.97% 1.94% 2.89% 2.82% 2.83% 2.60% 2.54% Total cost of deposits Cost of total interest-bearing deposits 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Cost of Deposits

Cash and Securities to Total Assets Loans to Deposits Average Interest Earning Asset Mix (1Q 2026) 17.5% 18.5% 17.4% 17.4% 18.6% 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 88% 86% 89% 89% 86% 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 80% 1% 16% 3% Loans Held for Investment Loans Held for Sale Securities Interest Bearing Balances With Banks 7 Liquidity Position

14.93% 14.19% 14.31% 14.52% 14.27% 9.99% 8.77% 8.98% 9.26% 9.08% Shareholders' equity to assets Tangible common equity ratio (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 12.59% 11.08% 11.04% 11.24% 11.22% 16.89% 14.97% 14.88% 14.78% 14.77% Common equity tier 1 capital ratio Total risk-based capital ratio 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Quarter Highlights • During the first quarter of 2026, the Company repurchased $75.0 million of common stock at a weighted average price of $39.53. In April, an additional $25.0 million was repurchased at a weighted average price of $38.36 • Effective April 28, 2026, the Company’s Board of Directors approved a quarterly cash dividend of $0.24 per share to be paid June 30, 2026, to shareholders of record as of June 16, 2026. This represents a $0.01 increase from the dividend paid in the previous quarter • 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 * Tangible Common Equity Ratio and Tangible Book Value are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. $42.79 $39.77 $40.26 $41.05 $41.63 $27.07 $23.10 $23.77 $24.65 $25.00 Book Value Tangible Book Value (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 8 Capital Equity to Assets / Tangible Common Equity Ratio (non-GAAP)* Common Equity Tier 1 Ratio / Total Risk-based Capital Ratio Book Value / Tangible Book Value (non-GAAP)*

Loan Movement $19,047 $(51) $(7) $(110) $23 $77 $(4) $18,975 Q 4 2025 RE-1-4 Fam ily C&LD NO O CRE O O CRE C&I Consum er Q 1 2026 Quarter Highlights • Loans decreased $71.8 million linked quarter • Average loan balance: $317 thousand 24% 10% 32% 18% 15% 1% Real estate - 1-4 Family Mortgage Construction and Land Development Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Owner Occupied Commercial and Industrial Consumer Loan Composition 9Note: Dollars in millions

$645 $805 $950 $914 $609$551 $730 $757 $806 $827 Production Advances 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $557 $657 $587 $876 $813 $468 $567 $657 $706 $695 Payoffs Paydowns 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $19,047 $609 $827 $(813) $(695) $18,975 4Q 2025 Production Advances Payoffs Paydowns 1Q 2026 Loan Activity 10 Note: Dollars in millions Loan Movement Production & Advance Trends Payoff & Paydown Trends

11 $203,931 $290,770 $297,591 $293,955 $295,862 1.56% 1.57% 1.56% 1.54% 1.56% —% 0.26% 0.09% 0.19% 0.05% ACL ACL/Loans Net Charge-offs / Average Loans 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $320,432 $493,557 $612,513 $560,663 $525,413 2.45% 2.66% 3.22% 2.94% 2.77% Criticized loans Criticized loans / total loans 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Asset Quality Criticized Loans* *Dollars in thousands Allowance for Credit Losses & Net Charge-offs* 0.31% 0.25% 0.26% 0.47% 0.36% Loans 30-89 Past Due / Total Loans 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Loans 30-89 Days Past DueQuarter Highlights • Over the last four quarters, the Company resolved $135 million in non-performing loans with aggregate net charge-offs of $27.8 million • Average NPL balance: $348,337 • 96% of accruing criticized loans are current • Average criticized loan balance: $512,098

0.59% 0.58% 0.68% 0.71% 0.79% 0.76% 0.76% 0.90% 0.92% 1.06% NPAs/Total Assets NPLs/Total Loans 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 12 $61,311 $12,323 $49,930 $29,433 $47,093 $204 Real Estate 1-4 Family Mortgage Construction and Land Development Commercial Real Estate - Non- Owner Occupied Commercial Real Estate - Owner-Occupied Commercial and Industrial Consumer NPLs by Loan Category Asset Quality (cont.) Nonperforming Loans & Nonperforming Assets $98,733 $141,859 $171,548 $176,018 $200,294 207% 205% 173% 167% 148% Nonperforming Loans Allowance/Nonperforming Loans 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Nonperforming Loans Note: Dollars in thousands

$0.65 $0.01 $0.63 $0.83 $0.94 $0.66 $0.69 $0.77 $0.91 $0.93 Diluted EPS (GAAP) Adjusted Diluted EPS (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $137.4 $222.7 $228.1 $232.4 $228.4 $135.8 $207.6 $214.4 $216.3 $213.3 Net interest income (FTE) Adjusted net interest income (FTE) (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Note: Dollars in millions except per share amounts. *Adjusted Diluted EPS, Adjusted Net Income, Adjusted Net Interest Income (FTE), PPNR and Adjusted PPNR are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. $56.7 $84.0 $85.7 $107.8 $118.5 $57.5 $103.0 $103.2 $118.3 $118.3 PPNR (non-GAAP)* Adjusted PPNR (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $41.5 $1.0 $59.8 $78.9 $88.2 $42.1 $65.9 $72.9 $86.9 $88.1 Net Income Adjusted Net Income (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 13 Profitability Diluted EPS / Adjusted Diluted EPS (non-GAAP)* Net Income / Adjusted Net Income (non-GAAP)* PPNR (non-GAAP)* / Adjusted PPNR (Non-GAAP)*Net Interest Income (FTE) / Adjusted Net Interest Income (FTE) (Non-GAAP)*

*Adjusted ROAA, Adjusted ROTCE, PPNR/Average Assets and Adjusted PPNR/Average Assets are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. 0.94% 0.02% 0.90% 1.17% 1.33%0.95% 1.01% 1.09% 1.29% 1.33% ROAA (GAAP) ROAA (Adjusted) (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 6.25% 0.11% 6.25% 8.14% 9.20% 10.30% 13.50% 14.22% 16.18% 16.33% ROAE (GAAP) ROTCE (Adjusted) (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 1.28% 1.29% 1.29% 1.60% 1.79% 1.30% 1.58% 1.55% 1.76% 1.79% PPNR/Average Assets (non-GAAP)* Adjusted PPNR/Average Assets (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 14 Profitability Ratios ROAA / Adjusted ROAA (non-GAAP)* ROAE / Adjusted ROTCE (non-GAAP)* PPNR (non-GAAP)* / Adjusted PPNR Ratios (non-GAAP)*

3.45% 3.85% 3.85% 3.89% 3.87% 3.42% 3.58% 3.62% 3.62% 3.61% Net Interest Margin Adjusted Net Interest Margin (FTE)(non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 *Adjusted Net Interest Margin (FTE) and Adjusted Loan Yield are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. 6.24% 6.63% 6.60% 6.45% 6.37% 6.19% 6.18% 6.23% 6.11% 6.04% Loan yield Adjusted Loan Yield (non-GAAP)* 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 • Scheduled accretion and accelerated accretion recognized on acquired loans were $11.2 million and $4.0 million, respectively, for the first quarter of 2026, which included scheduled credit accretion and accelerated credit accretion of $4.0 million and $1.5 million, respectively 15 Net Interest Margin (FTE) and Loan Yield Net Interest Margin (FTE) / Adjusted Net Interest Margin (FTE)(non-GAAP)* Loan Yield / Adjusted Loan Yield (non-GAAP)* Adjusted Net Interest Margin (FTE)(non-GAAP)* Bridge Accretion 3.62 (0.08) 0.02 0.05 3.61 4Q2025 Loans Other Earning Assets IB Liabilities 1Q2026

• Noninterest income decreased $0.8 million linked quarter • The decline in noninterest income is primarily related to Q4 2025 results being impacted by a one-time gain of $2.0 million resulting from the exit of low-income housing tax credit partnerships. The absence of this gain in Q1 2026 results was partially offset by strong performance on SBA loan sales 16 $50,272 $51,125 $46,026 $48,334 $36,395 Service charges Fees and commissions Wealth management Mortgage banking BOLI Other 1Q 2026 4Q 2025 3Q 2025 2Q 2025 1Q 2025 Noninterest Income Composition Quarter Highlights Note: Dollars in thousands

• Noninterest expense decreased $15.4 million linked quarter, which includes a decrease of $10.6 million in merger and conversion related expenses linked quarter • The Company continued to realize cost savings from the integration with The First 17 Quarter Highlights 64.43% 57.07% 57.51% 53.52% 52.82% 65.51% 67.59% 67.05% 60.23% 55.73% Efficiency Ratio Adjusted efficiency ratio (non-GAAP) * 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 $155,328 $170,750 $183,830 $183,204 $113,876 Salaries and employee benefits Data processing Net occupancy and equipment Advertising and public relations Merger and conversion expenses Intangible amortization Other 1Q 2026 4Q 2025 3Q 2025 2Q 2025 1Q 2025 Noninterest Expense Efficiency Ratio Composition Note: Dollars in thousands * Adjusted Efficiency Ratio is a non-GAAP financial measure. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”.

$153,841 $147,108 Adjusted noninterest expense (non-GAAP)* 2Q 2025 1Q 2026 Efficiency Improvements 3.3% increase in adjusted net revenue since Q2 2025 $269,584 $278,487 Adjusted net revenue (non-GAAP)* 2Q 2025 1Q 2026 4.4% reduction in adjusted noninterest expense since Q2 2025 Continued focus on efficiency gains through both revenue growth and expense management since Q2 2025 has yielded significant improvement in the adjusted efficiency ratio. Note: Dollars in thousands * Adjusted net revenue and Adjusted noninterest expense are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8- K as this presentation under the heading “Non-GAAP Reconciliations”. 18 Expense ManagementRevenue Growth

Appendix

Repricing Term* Rate Structure Total Loans 3 mos or less 3-12 mos 1-3 years 3-5 years 5-15 years Over 15 years Total Variable Fixed Commercial and Industrial $ 1,814 $ 213 $ 300 $ 367 $ 200 $ 2 $ 2,896 $ 1,860 $ 1,036 Commercial Real Estate - Owner-Occupied 1,284 211 589 736 504 34 3,358 1,430 1,927 Commercial Real Estate - Non-Owner Occupied 3,481 416 1,060 822 348 9 6,136 3,624 2,512 Construction and Land Development 1,396 72 86 185 106 53 1,898 1,470 429 Real Estate 1-4 Family Mortgage 1,016 257 484 545 843 1,439 4,584 2,614 1,970 Consumer 29 15 32 21 6 — 103 18 85 Total $ 9,020 $ 1,184 $ 2,551 $ 2,676 $ 2,007 $ 1,537 $ 18,975 $ 11,016 $ 7,959 Weighted Average Rate - Fixed 5.3 % 5.0 % 5.7 % 6.2 % 4.6 % 5.5 % 5.5 % Weighted Average Rate - Variable 6.5 % 6.1 % 5.4 % 5.7 % 5.5 % 4.8 % 6.3 % % Fixed 5.1 % 72.5 % 83.5 % 81.2 % 65.6 % 66.7 % 41.9 % % Variable 94.9 % 27.5 % 16.5 % 18.8 % 34.4 % 33.3 % 58.1 % Note: Dollars in millions *Based on maturity date for fixed rate loans and variable rate loans that are at their floor or ceiling 20 Loan Repricing and Maturity

Note: As of March 31, 2026 Agency CMO 27% Agency MBS 35% Municipal 14% Agency CMBS 14% SBA 8% Other 2% 21 • Amortized cost of $4.0 billion; GAAP value of $3.8 billion, which represents 14.1% of total assets • Duration of 3.6 years • 27% of portfolio HTM based on par value ◦ 10.3% of HTM are CRA investments ◦ 26.2% of HTM are Municipals • Unrealized losses in AOCI on securities totaled $142.1 million ($106.9 million, net of tax); unrealized losses in AOCI on HTM securities totaled $51.6 million ($38.5 million, net of tax) $4.0 Billion Securities Composition (Amortized Cost) Quarter Highlights

15% 21% 21% 10% 6% 7% 12% 5% 3% Warehouse/Industrial Retail Multi-family Self Storage Medical Office Office (non-medical) Hotel Senior Housing Other Quarter Highlights Note: As of March 31, 2026. LTV is calculated using the most recent appraisal available. % of Loans Avg Loan Size1 32.3% $2.0 million WA LTV 54.8% 0.10% 30-89 Days 0.81% NPLs2 Retail Multi-Family Warehouse/ Industrial Amount $1,309.8 $1,278.6 $932.5 Avg Loan Size1 1.5 2.5 2.5 % of Loans 6.9 6.7 4.9 % Past Due or Nonaccrual 0.35 0.21 0.85 ACL Reserve % 0.87 0.76 1.35 WA LTV % 55.1 53.1 52.6 % Loans<75% LTV 87.2 95.0 97.6 % in Footprint 97.2 99.8 91.7 Q1 Loan Growth (%) (0.5) (8.2) 3.1 (1) Based on commitment amount Note: Dollars in millions 22 Commercial Real Estate - Non-owner Occupied $6.1 Billion Composition

23 Note: As of March 31, 2026; LTV is calculated using the most recent appraisal available. 22% 25% 10% 14% 5% 6% 7% 7%2% 1% 1% 1-4 Family Land & Dev. Commercial Owner-Occupied Multi-family Office Retail Self Storage Warehouse / Industrial Hotels Other Senior Housing Amount $1,898.6 Avg Loan Size1 1.2 % of Loans 10.0 % Past Due or Nonaccrual 0.65 ACL Reserve%2 1.95 WA LTV % 63.2 % Loans<75% LTV 81.5 % in Footprint 99.4 Q1 Loan Growth (%) (0.4) (1) Based on commitment amount (2) Includes reserves for both loans accounted for collectively and those individually evaluated Note: Dollars in millions Construction and Land Development $1.9 Billion Composition Quarter Highlights

Quarterly ACL Changes $293,955 $(2,166) $1,854 $710 $(852) $2,593 $(232) $295,862 4Q 2025 Balance Changes Q-Factor Changes Loss Rates Loan Credit Migration Other Ind. Reviewed Unallocated 1Q 2026 24 Note: Dollars in thousands

25 ($ in thousands) 1Q 2025 4Q 2025 1Q 2026 Gain on sales of loans, net $ 4,500 $ 5,243 $ 5,305 Fees, net 2,317 2,970 2,842 Mortgage servicing income, net 1,330 711 1,288 Mortgage banking income, net $ 8,147 $ 8,924 $ 9,435 (in %) 1Q 2025 4Q 2025 1Q 2026 Wholesale 39 37 42 Retail 61 63 58 Purchase 80 72 67 Refinance 20 28 33 $632.1 $679.6 $590.2 $489.5 $542.3 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 *Gain on sale margin excludes pipeline fair value adjustments and buyback reserve activity included in “Gain on sales of loans, net” in the table above 1.42% 1.87% 1.32% 1.99% 1.85% 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Mortgage Banking Mortgage Banking Income Mix Locked Volume (in millions) Gain on Sale Margin*

GRAPHIC

Filename: renasantcorporationlogo-fu.jpg · Sequence: 7

Binary file (253776 bytes)

Download renasantcorporationlogo-fu.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f001.jpg · Sequence: 8

Binary file (53422 bytes)

Download rnstq12026earningsdeck_f001.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f002.jpg · Sequence: 9

Binary file (336166 bytes)

Download rnstq12026earningsdeck_f002.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f003.jpg · Sequence: 10

Binary file (101144 bytes)

Download rnstq12026earningsdeck_f003.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f004.jpg · Sequence: 11

Binary file (188257 bytes)

Download rnstq12026earningsdeck_f004.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f005.jpg · Sequence: 12

Binary file (86929 bytes)

Download rnstq12026earningsdeck_f005.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f006.jpg · Sequence: 13

Binary file (128776 bytes)

Download rnstq12026earningsdeck_f006.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f007.jpg · Sequence: 14

Binary file (87887 bytes)

Download rnstq12026earningsdeck_f007.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f008.jpg · Sequence: 15

Binary file (150413 bytes)

Download rnstq12026earningsdeck_f008.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f009.jpg · Sequence: 16

Binary file (79024 bytes)

Download rnstq12026earningsdeck_f009.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f010.jpg · Sequence: 17

Binary file (87412 bytes)

Download rnstq12026earningsdeck_f010.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f011.jpg · Sequence: 18

Binary file (116172 bytes)

Download rnstq12026earningsdeck_f011.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f012.jpg · Sequence: 19

Binary file (96513 bytes)

Download rnstq12026earningsdeck_f012.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f013.jpg · Sequence: 20

Binary file (135490 bytes)

Download rnstq12026earningsdeck_f013.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f014.jpg · Sequence: 21

Binary file (113610 bytes)

Download rnstq12026earningsdeck_f014.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f015.jpg · Sequence: 22

Binary file (128726 bytes)

Download rnstq12026earningsdeck_f015.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f016.jpg · Sequence: 23

Binary file (99901 bytes)

Download rnstq12026earningsdeck_f016.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f017.jpg · Sequence: 24

Binary file (113104 bytes)

Download rnstq12026earningsdeck_f017.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f018.jpg · Sequence: 25

Binary file (105756 bytes)

Download rnstq12026earningsdeck_f018.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f019.jpg · Sequence: 26

Binary file (34587 bytes)

Download rnstq12026earningsdeck_f019.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f020.jpg · Sequence: 27

Binary file (139448 bytes)

Download rnstq12026earningsdeck_f020.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f021.jpg · Sequence: 28

Binary file (100384 bytes)

Download rnstq12026earningsdeck_f021.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f022.jpg · Sequence: 29

Binary file (118301 bytes)

Download rnstq12026earningsdeck_f022.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f023.jpg · Sequence: 30

Binary file (103267 bytes)

Download rnstq12026earningsdeck_f023.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f024.jpg · Sequence: 31

Binary file (67109 bytes)

Download rnstq12026earningsdeck_f024.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f025.jpg · Sequence: 32

Binary file (123431 bytes)

Download rnstq12026earningsdeck_f025.jpg

GRAPHIC

Filename: rnstq12026earningsdeck_f026.jpg · Sequence: 33

Binary file (45706 bytes)

Download rnstq12026earningsdeck_f026.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 35

v3.26.1

Cover

Oct. 28, 2025

Cover [Abstract]

Document Type

8-K

Document Period End Date

Apr. 28, 2026

Registrant Name

RENASANT CORP

Entity Incorporation, State or Country Code

Entity File Number

001-13253

Entity Tax Identification Number

64-0676974

Entity Address, Address Line One

209 Troy Street

Entity Address, City or Town

Tupelo

Entity Address, State or Province

Entity Address, Postal Zip Code

38804-4827

City Area Code

662

Local Phone Number

680-1001

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common stock, $5.00 par value per share

Trading Symbol

RNST

Security Exchange Name

NYSE

Entity Emerging Growth Company

false

Central Index Key

0000715072

Amendment Flag

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration