Renasant Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 28.3% in Q2 2026, from $1.18B to $848.8M. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Renasant Bank is 9th of 57 on loan-to-deposit ratio, 87.69% as of Q2 2026. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio; Renasant Bank reported 87.69% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $848.8M |
| Cash and noninterest-bearing balances to assets | 3.15% |
| Cash and securities | $4.67B |
| Fed funds sold and reverse repos | $23.3M |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.2M |
| Other borrowed money | $310.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.69% |
| Net loans and leases to deposits | 86.36% |
| Loans and leases to core deposits | 93.13% |
| Core deposits to total deposits | 94.16% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 86.62% | 90.09% | $7.7M | $100.0M |
| Q4 2023 | 87.97% | 91.83% | $7.6M | $300.0M |
| Q1 2024 | 88.12% | 92.40% | $8.1M | $100.0M |
| Q2 2024 | 89.24% | 93.27% | $7.7M | $225.0M |
| Q3 2024 | 86.73% | 93.54% | $8.7M | $100.0M |
| Q4 2024 | 87.68% | 94.87% | $8.0M | $100.0M |
| Q1 2025 | 87.53% | 94.97% | $8.0M | $100.0M |
| Q2 2025 | 86.22% | 95.23% | $5.3M | $400.0M |
| Q3 2025 | 88.63% | 95.20% | $6.1M | $600.0M |
| Q4 2025 | 88.70% | 94.89% | $5.8M | $550.0M |
| Q1 2026 | 86.03% | 94.60% | $5.9M | $300.0M |
| Q2 2026 | 87.69% | 94.16% | $5.2M | $310.0M |
Renasant Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Renasant Bank, freeSource: Call Report Schedules RC and RC-M, 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)