Renasant Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.7% to $1.23B. Within Mississippi, Renasant Bank is 17th of 20 on CET1 ratio, 12.41% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Renasant Bank sits 0.54 points lower, at 12.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.67% |
| Tier 1 leverage ratio | 10.72% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.71B |
| Tier 1 capital | $2.71B |
| Total risk-based capital | $2.99B |
| Total equity capital | $4.16B |
| Risk-weighted assets | $21.87B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.43% |
| Tangible equity to tangible assets | 10.24% |
| Equity capital to average assets | 15.50% |
| Internal capital growth rate | 6.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.9M |
| Common stock surplus | $3.03B |
| Retained earnings | $1.23B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$105.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.23% | 12.23% | 13.46% | 10.33% | $13.89B |
| Q4 2023 | 12.25% | 12.25% | 13.49% | 10.45% | $14.00B |
| Q1 2024 | 12.31% | 12.31% | 13.56% | 10.57% | $14.05B |
| Q2 2024 | 12.44% | 12.44% | 13.69% | 10.61% | $14.09B |
| Q3 2024 | 13.03% | 13.03% | 14.28% | 10.80% | $13.93B |
| Q4 2024 | 12.85% | 12.85% | 14.10% | 10.80% | $14.35B |
| Q1 2025 | 12.71% | 12.71% | 13.96% | 10.85% | $14.60B |
| Q2 2025 | 11.89% | 11.89% | 13.15% | 10.05% | $20.86B |
| Q3 2025 | 11.80% | 11.80% | 13.05% | 10.12% | $21.42B |
| Q4 2025 | 12.00% | 12.00% | 13.25% | 10.28% | $21.59B |
| Q1 2026 | 12.32% | 12.32% | 13.57% | 10.47% | $21.57B |
| Q2 2026 | 12.41% | 12.41% | 13.67% | 10.72% | $21.87B |
Renasant Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Renasant Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Renasant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12437) · FFIEC NIC profile (RSSD 749242)