Renasant Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) climbed 2.45 percentage points in Q2 2026, from 64.43% to 66.88%. 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. At 87.69%, Renasant Bank's loan-to-deposit ratio is close to the 86.87% median for banks in the $10B-100B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.44B |
| Net loans and leases | $19.14B |
| Loans held for sale | $241.6M |
| Loans to total assets | 72.03% |
| Loan-to-deposit ratio | 87.69% |
| Net loans to equity capital | 4.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.10% |
| Multifamily (5+ residential) | 5.96% |
| Commercial and industrial | 13.56% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 0.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.20% |
| Construction concentration (Tier 1 capital + allowance) | 66.88% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.27% |
| Interest income on loans | $298.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $12.41B | $14.33B | 36.20% | 11.83% | 0.87% |
| Q4 2023 | $12.53B | $14.24B | 36.89% | 12.28% | 0.83% |
| Q1 2024 | $12.69B | $14.40B | 37.61% | 12.28% | 0.77% |
| Q2 2024 | $12.87B | $14.42B | 37.11% | 12.07% | 0.75% |
| Q3 2024 | $12.92B | $14.90B | 38.40% | 11.73% | 0.70% |
| Q4 2024 | $13.13B | $14.98B | 38.58% | 12.00% | 0.69% |
| Q1 2025 | $13.28B | $15.17B | 38.32% | 11.86% | 0.66% |
| Q2 2025 | $18.92B | $21.94B | 41.22% | 12.13% | 0.65% |
| Q3 2025 | $19.31B | $21.79B | 41.27% | 12.33% | 0.60% |
| Q4 2025 | $19.31B | $21.77B | 41.85% | 12.38% | 0.56% |
| Q1 2026 | $19.21B | $22.32B | 42.22% | 12.89% | 0.54% |
| Q2 2026 | $19.44B | $22.17B | 42.10% | 13.56% | 0.51% |
Renasant Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Renasant Bank, freeSource: Call Report Schedule RC-C, 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)