Renasant Bank
BankRegReports is independent of Renasant Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Renasant Bank is an FDIC-insured commercial bank headquartered in Tupelo, MS, established in 1904 (FDIC certificate 12437), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $26.99B, up 1.4% from Q2 2025, the 2nd largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 12.41% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12437
- Headquarters
- Tupelo, MS
- Established
- 1904
- Total assets, Q2 2026
- $26.99B
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 12.41%
- Domestic offices
- 266 FDIC institution directory, current count
- Routing number
- 084201294
- Holding company
- RENASANT CORPORATION
- Asset rank in state
- 2nd of 57 in Mississippi
Little in Renasant Bank's latest call report stands out. It reported $27.0 billion in assets at June 30, 2026, up 1.4% from a year earlier. On most measures it sits near the middle of the 127 banks with $10 billion to $100 billion in assets.
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.94% of loans from 0.75% a year earlier. Credit is the area to watch: it carries problem assets equal to 6.8% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 4.2%).
As of June 30, 2026, Renasant Bank reported a CET1 capital ratio of 12.41%, a return on assets of 1.40%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 6.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Renasant Bank is the 2nd largest of the 57 banks headquartered in Mississippi. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $26.99B, loans rose 1.2% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 25.5% of total loans, ahead of 1-4 family residential loans at 24.7%. Judged on its Q2 2026 call report, Renasant Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 209 Troy St, Tupelo, MS 38804
- County
- Lee
- Metro Area
- Tupelo, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 27, 1904
- Domestic offices
- 266 FDIC institution directory, current count
- Employees (FTE)
- 2,952
- Domestic deposits
- $22.17B
- Allowance for credit losses
- $296.0M
- Net charge-offs (YTD)
- $5.1M
- Average total assets
- $26.87B
- Average total loans
- $19.06B
- Average interest-bearing deposits
- $16.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12437
- Fed RSSD
- 749242
- SEC CIK
- 715072 → filed by RENASANT CORPORATION
- Website
- www.renasant.com →
- Parent Holding Company
- RENASANT CORPORATION (RSSD 1098844) · RNST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kevin D Chapman | CEO | President and CEO |
| Mcgraw Edward Robinson | CHR | COB & Exec Chair |
| James C. Mabry Iv | CFO | EVP and CFO |
| Mark Jeanfreau | GC | EVP/General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Renasant Bank's total assets ran between $17.19B (Q3 2023) and $27.09B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$26.99B total assets against $26.61B; $22.82B total liabilities against $22.66B.
$19.14B net loans and leases against $18.63B; $22.17B total deposits against $21.94B.
$3.83B securities against $3.55B; $848.8M cash and balances due against $1.36B.
$342.0M total interest income against $343.9M; $107.5M total interest expense against $116.2M.
$234.5M net interest income against $227.6M.
$47.0M total noninterest income against $48.9M; $159.3M total noninterest expense against $183.3M.
$3.8M provision for credit losses against $81.3M.
$94.3M net income against $7.8M.
1.40% return on assets against 0.12%; 3.96% net interest margin against 3.97%.
12.41% CET1 capital ratio against 11.89%; 10.72% tier 1 leverage ratio against 10.05%.
Inside the full Renasant Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Renasant Bank rankings
Its closest position to the top of a national ranking is 79 of 4,196, for total assets; its furthest is 1,578 of 2,134, for CET1 ratio.
Metric pages for Renasant Bank: Uninsured deposits.
Banks merged into Renasant Bank
- The First Bank, effective April 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.12% (Q2 2025) to 1.76% (Q3 2024) and its net interest margin ran from 3.46% (Q4 2024) to 3.97% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 1.40% | 0.96% | 6.82% | 3.96% |
| Q1 2026 | 12.32% | 1.40% | 1.04% | 7.28% | 3.90% |
| Q4 2025 | 12.00% | 1.27% | 0.91% | 6.79% | 3.97% |
| Q3 2025 | 11.80% | 1.01% | 0.89% | 6.64% | 3.97% |
| Q2 2025 | 11.89% | 0.12% | 0.75% | 5.79% | 3.97% |
| Q1 2025 | 12.71% | 1.04% | 0.74% | 5.51% | 3.50% |
| Q4 2024 | 12.85% | 1.11% | 0.86% | 6.44% | 3.46% |
| Q3 2024 | 13.03% | 1.76% | 0.92% | 6.68% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 259 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Renasant Bank (main office) | Tupelo , MS | 38804 | $1.35B |
| Starkville Branch | Starkville , MS | 39759 | $597.0M |
| Ridgeland Ms Township Branch | Ridgeland , MS | 39157 | $535.6M |
| Hattiesburg 40th Ave Branch | Hattiesburg , MS | 39402 | $430.9M |
| Olive Branch Ms - Goodman Road Branch | Olive Branch , MS | 38654 | $410.4M |
| Decatur Al 6th Avenue Branch | Decatur , AL | 35601 | $385.7M |
| Renasant Place Branch | Birmingham , AL | 35203 | $375.7M |
| Poplar Avenue Consolidated Branch | Memphis , TN | 38119 | $292.3M |
| Tn-Nashville-West End Branch | Nashville , TN | 37203 | $290.4M |
| Pascagoula Branch | Pascagoula , MS | 39567 | $275.8M |
| Laurel Branch | Laurel , MS | 39440 | $263.3M |
| North Valdosta Branch | Valdosta , GA | 31602 | $253.1M |
| Ms-Kosciusko Main Branch | Kosciusko , MS | 39090 | $225.4M |
| Hurricane Shoals Branch | Lawrenceville , GA | 30046 | $222.8M |
| Ga-Kennesaw-George Busbee Branch | Kennesaw , GA | 30144 | $220.9M |
| Bay St Louis Hwy 90 Branch | Bay Saint Louis , MS | 39520 | $217.7M |
| Ga-Albany Main Branch | Albany , GA | 31707 | $211.5M |
| Decatur Cedar Ridge Branch | Decatur , AL | 35603 | $210.8M |
| Canton, Ms Branch | Canton , MS | 39046 | $201.4M |
| Macon Forsyth Branch | Macon , GA | 31210 | $201.0M |
| Monticello Branch | Monticello , FL | 32344 | $191.5M |
| Hinesville Branch | Hinesville , GA | 31313 | $186.7M |
| Aberdeen Branch | Aberdeen , MS | 39730 | $185.9M |
| Ms-Oxford Square Branch | Oxford , MS | 38655 | $175.4M |
| West Point Main Branch | West Point , MS | 39773 | $174.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2025 | M&A | Acquired The First Bank merger for the acquired bank | SEC |
| April 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2025 | Structure Change | Acquired The First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2018 | Structure Change | Acquired The Brand Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2018 | M&A | Acquired The Brand Banking Company merger for the acquired bank | SEC |
| July 1, 2017 | M&A | Acquired Metropolitan Bank merger for the acquired bank | SEC |
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Metropolitan Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2016 | M&A | Acquired KeyWorth Bank merger for the acquired bank | SEC |
| April 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2016 | Structure Change | Acquired KeyWorth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2015 | M&A | Acquired Heritage Bank of the South merger for the acquired bank | SEC |
| July 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2015 | Structure Change | Acquired Heritage Bank of the South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2013 | Structure Change | Acquired Merchants and Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2013 | M&A | Acquired Merchants and Farmers Bank merger for the acquired bank | SEC |
| September 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2011 | Structure Change | Acquired RBC Trust Company (NC) LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2011 | M&A | Acquired RBC Trust Company (NC) LLC merger for the acquired bank | SEC |
| February 5, 2011 | Structure Change | Acquired American Trust Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 5, 2011 | M&A | Acquired American Trust Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 4, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 24, 2010 | M&A | Acquired Crescent Bank and Trust Company failure_government_assistance_provided for the acquired bank | SEC |
| July 24, 2010 | Structure Change | Acquired Crescent Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 23, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 2, 2007 | Structure Change | Acquired Capital Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 2, 2007 | M&A | Acquired Capital Bank & Trust Company merger for the acquired bank | SEC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2005 | M&A | Acquired Renasant Bank of Tennessee merger for the acquired bank | SEC |
| March 31, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2005 | Structure Change | Acquired Renasant Bank of Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2005 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2005 | M&A | Acquired Heritage Bank merger for the acquired bank | SEC |
| January 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1999 | M&A | Acquired Inter-City Federal Savings Bank merger for the acquired bank | SEC |
| March 27, 1999 | Structure Change | Acquired Inter-City Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1995 | M&A | Acquired New South Bank merger for the acquired bank | SEC |
| January 1, 1995 | Structure Change | Acquired New South Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 1994 | M&A | Acquired Security Federal Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
| April 16, 1994 | Structure Change | Acquired Security Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 1, 1988 | Structure Change | Acquired Bank of Water Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1988 | M&A | Acquired Bank of Water Valley merger for the acquired bank | SEC |
| July 1, 1985 | M&A | Acquired Merchants & Farmers Bank of Winona merger for the acquired bank | SEC |
| July 1, 1985 | Structure Change | Acquired Merchants & Farmers Bank of Winona Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1984 | M&A | Acquired Alcorn Bank and Trust Company merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 11.0% of deposits in MS, rank 3 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12,202 applications, 8,976 loans originated, $2.57B originated, across 28 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 60 loans, $66.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 48 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Renasant Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Renasant Bank with peers
Frequently asked about Renasant Bank
What are Renasant Bank's total assets?
As of the Q2 2026 filing, Renasant Bank reported total assets of $26.99 billion in its FFIEC call report.
Where is Renasant Bank headquartered?
It is headquartered in Tupelo, MS, United States.
When was Renasant Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Renasant Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12437). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Renasant Bank?
Renasant Bank's primary federal regulator is the Federal Reserve.
What is Renasant Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.41% in its Q2 2026 call report, above regulatory requirements.
How many branches does Renasant Bank operate?
It operates 266 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Renasant Bank's Texas Ratio?
Its Texas Ratio is 6.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Renasant Bank.
Get an email when Renasant Bank files its next call report, and benchmark it against any peer you choose.
Unlock Renasant Bank, freeFree account