Renasant Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.67% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.67% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.41% +5.91 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $2.71B | 2,714,095 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.87B | 21,865,346 | RCOAA223 |
| Recomputed ratio | 12.41% | numerator / denominator | |
| Filed ratio | 12.41% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.91 pp | $1.29B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.41% +4.41 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $2.71B | 2,714,095 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.87B | 21,865,346 | RCOAA223 |
| Recomputed ratio | 12.41% | numerator / denominator | |
| Filed ratio | 12.41% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.41 pp | $964.9M | capital that could be lost first |
Total risk-based capital ratio 13.67% +3.67 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $2.99B | 2,988,000 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.87B | 21,865,346 | RCOAA223 |
| Recomputed ratio | 13.67% | numerator / denominator | |
| Filed ratio | 13.67% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.67 pp | $801.5M | capital that could be lost first |
Tier 1 leverage ratio 10.72% +5.72 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $2.71B | 2,714,095 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $25.31B | 25,311,643 | RCOAA224 |
| Recomputed ratio | 10.72% | numerator / denominator | |
| Filed ratio | 10.72% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.72 pp | $1.45B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,035,663 | 3,035,663 | 3,037,581 | 3,043,431 | 3,052,839 | 1,841,359 | RCOAP742 |
| Retained earnings | 1,233,029 | 1,166,668 | 1,102,672 | 1,045,227 | 1,006,035 | 1,025,014 | RCOAKW00 |
| Accumulated other comprehensive income | (105,024) | (100,875) | (90,884) | (102,374) | (115,319) | (123,109) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,163,668 | 4,101,456 | 4,049,369 | 3,986,284 | 3,943,555 | 2,743,264 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,449,573) | (1,445,213) | (1,459,085) | (1,459,948) | (1,462,841) | (887,887) | P859 - P840 |
| Common equity Tier 1 capital | 2,714,095 | 2,656,243 | 2,590,284 | 2,526,336 | 2,480,714 | 1,855,377 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,714,095 | 2,656,243 | 2,590,284 | 2,526,336 | 2,480,714 | 1,855,377 | RCOA8274 |
| Tier 2 capital | 273,905 | 270,141 | 270,342 | 268,062 | 261,055 | 182,986 | RCOA5311 |
| Allowance includable in Tier 2 capital | 273,905 | 270,141 | 270,342 | 268,062 | 261,055 | 182,986 | RCOA5310 |
| Total capital | 2,988,000 | 2,926,384 | 2,860,626 | 2,794,398 | 2,741,769 | 2,038,363 | RCOA3792 |
| Total risk-weighted assets | 21,865,346 | 21,567,304 | 21,591,688 | 21,416,452 | 20,856,612 | 14,603,085 | RCOAA223 |
| Average total assets for the leverage ratio | 25,311,643 | 25,360,622 | 25,208,136 | 24,971,144 | 24,689,417 | 17,092,549 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $848.8M | $52.8M | 6.22% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $3.97B | $735.7M | 18.51% | 3.36% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $28.5M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $4.85B | $2.71B | 55.86% | 12.37% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $241.6M | $362.4M | 150.00% | 1.65% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $186.5M | $279.7M | 150.00% | 1.28% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $14.14B | $14.10B | 99.66% | 64.33% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.50B | $1.60B | 106.67% | 7.32% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.09B | $1.99B | 95.44% | 9.09% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $84.5M | $66.2M | 78.29% | 0.30% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $11.4M | NA | 0.05% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $21.90B | ties to item 31 ($21.90B) |
|---|---|---|
| Risk-weighted assets before deductions | $21.91B | RCONB704 |
| Less: excess allowance for credit losses | $47.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $21.87B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.32% | 12.32% | 13.57% | 10.47% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.00% | 12.00% | 13.25% | 10.28% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 11.80% | 11.80% | 13.05% | 10.12% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 11.89% | 11.89% | 13.15% | 10.05% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.71% | 12.71% | 13.96% | 10.85% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.85% | 12.85% | 14.10% | 10.80% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.03% | 13.03% | 14.28% | 10.80% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 12.44% | 12.44% | 13.69% | 10.61% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.31% | 12.31% | 13.56% | 10.57% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.25% | 12.25% | 13.49% | 10.45% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.23% | 12.23% | 13.46% | 10.33% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Renasant Bank (this bank) | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% | |
| Charles Schwab Premier Bank, SSB | $26.58B | Risk-based | 49.32% | 49.32% | 49.32% | 10.90% |
| Customers Bank | $26.50B | Risk-based | 13.55% | 13.55% | 14.53% | 9.34% |
| WaFd Bank | $27.58B | Risk-based | 12.95% | 12.95% | 14.14% | 9.21% |
| WesBanco Bank, Inc. | $27.75B | Risk-based | 12.24% | 12.24% | 13.28% | 10.25% |
| Arvest Bank | $28.05B | Risk-based | 11.45% | 11.45% | 12.48% | 9.11% |
| First Interstate Bank | $25.79B | Risk-based | 14.32% | 14.32% | 15.46% | 9.42% |
| Provident Bank | $25.65B | Risk-based | 12.09% | 12.09% | 12.99% | 10.53% |
| Ameris Bank | $28.42B | Risk-based | 13.01% | 13.01% | 14.27% | 11.41% |
| Ameriprise Bank, FSB | $25.48B | Risk-based | 30.38% | 30.38% | 30.57% | 7.38% |
| Sallie Mae Bank | $28.54B | Risk-based | 11.78% | 11.78% | 13.09% | 10.17% |
| Peer 25th percentile | 12.13% | 12.13% | 13.14% | 9.25% | ||
| Peer median | 12.98% | 12.98% | 14.20% | 9.80% | ||
| Peer 75th percentile | 14.13% | 14.13% | 15.23% | 10.46% | ||
| This bank's percentile | 40 | 40 | 40 | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/749242/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.