Renasant Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.02 percentage points in Q2 2026, from 147.71% to 158.73%. It was the largest change from Q1 2026 among the key lines here. Renasant Bank ranks 19th of 57 Mississippi banks on return on assets, in the upper half at 1.40% (Q2 2026). Renasant Bank reported 1.40% on return on assets for Q2 2026, 0.12 points above the 1.29% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.67% |
| Tier 1 leverage ratio | 10.72% |
| Equity capital to assets | 15.43% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 6.82% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 158.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.40% |
| Return on equity | 9.13% |
| Net interest margin | 3.96% |
| Efficiency ratio | 53.30% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.69% |
| Core deposits to total deposits | 94.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.14% |
| Securities to assets | 14.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.23% | 12.23% | 13.46% | 10.33% | 1.09% |
| Q4 2023 | 12.25% | 12.25% | 13.49% | 10.45% | 0.77% |
| Q1 2024 | 12.31% | 12.31% | 13.56% | 10.57% | 1.04% |
| Q2 2024 | 12.44% | 12.44% | 13.69% | 10.61% | 1.02% |
| Q3 2024 | 13.03% | 13.03% | 14.28% | 10.80% | 1.76% |
| Q4 2024 | 12.85% | 12.85% | 14.10% | 10.80% | 1.11% |
| Q1 2025 | 12.71% | 12.71% | 13.96% | 10.85% | 1.04% |
| Q2 2025 | 11.89% | 11.89% | 13.15% | 10.05% | 0.12% |
| Q3 2025 | 11.80% | 11.80% | 13.05% | 10.12% | 1.01% |
| Q4 2025 | 12.00% | 12.00% | 13.25% | 10.28% | 1.27% |
| Q1 2026 | 12.32% | 12.32% | 13.57% | 10.47% | 1.40% |
| Q2 2026 | 12.41% | 12.41% | 13.67% | 10.72% | 1.40% |
Renasant Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Renasant Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)