Renasant Bank: Financial Reports & UBPR Data
BankRegReports is independent of Renasant Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Little in Renasant Bank's latest call report stands out. It reported $27.0 billion in assets at June 30, 2026, up 1.4% from a year earlier. On most measures it sits near the middle of the 127 banks with $10 billion to $100 billion in assets.
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.94% of loans from 0.75% a year earlier. Credit is the area to watch: it carries problem assets equal to 6.8% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 4.2%).
As of June 30, 2026, Renasant Bank reported a CET1 capital ratio of 12.41%, a return on assets of 1.40%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 6.82%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 209 Troy St, Tupelo, MS 38804
- County
- Lee
- Metro Area
- Tupelo, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 27, 1904
- Offices
- 266 domestic
- Employees (FTE)
- 2,952
- Domestic deposits
- $22.17B
- Allowance for credit losses
- $296.0M
- Net charge-offs (YTD)
- $5.1M
- Average total assets
- $26.87B
- Average total loans
- $19.06B
- Average interest-bearing deposits
- $16.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12437
- Fed RSSD
- 749242
- SEC CIK
- 715072 → filed by RENASANT CORPORATION
- Website
- www.renasant.com →
- Parent Holding Company
- RENASANT CORPORATION (RSSD 1098844) · RNST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kevin D Chapman | CEO | President and CEO |
| Mcgraw Edward Robinson | CHR | COB & Exec Chair |
| James C. Mabry Iv | CFO | EVP and CFO |
| Mark Jeanfreau | GC | EVP/General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Renasant Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Renasant Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Renasant Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Renasant Bank: Uninsured deposits.
Banks merged into Renasant Bank
- The First Bank, effective April 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 1.40% | 1.18% | 6.82% | 3.96% |
| Q1 2026 | 12.32% | 1.40% | 1.26% | 7.28% | 3.90% |
| Q4 2025 | 12.00% | 1.27% | 1.09% | 6.79% | 3.97% |
| Q3 2025 | 11.80% | 1.01% | 1.08% | 6.64% | 3.97% |
| Q2 2025 | 11.89% | 0.12% | 0.92% | 5.79% | 3.97% |
| Q1 2025 | 12.71% | 1.04% | 1.01% | 5.51% | 3.50% |
| Q4 2024 | 12.85% | 1.11% | 1.30% | 6.44% | 3.46% |
| Q3 2024 | 13.03% | 1.76% | 1.27% | 6.68% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 259 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Renasant Bank (main office) | Tupelo , MS | 38804 | $1.35B |
| Starkville Branch | Starkville , MS | 39759 | $597.0M |
| Ridgeland Ms Township Branch | Ridgeland , MS | 39157 | $535.6M |
| Hattiesburg 40th Ave Branch | Hattiesburg , MS | 39402 | $430.9M |
| Olive Branch Ms - Goodman Road Branch | Olive Branch , MS | 38654 | $410.4M |
| Decatur Al 6th Avenue Branch | Decatur , AL | 35601 | $385.7M |
| Renasant Place Branch | Birmingham , AL | 35203 | $375.7M |
| Poplar Avenue Consolidated Branch | Memphis , TN | 38119 | $292.3M |
| Tn-Nashville-West End Branch | Nashville , TN | 37203 | $290.4M |
| Pascagoula Branch | Pascagoula , MS | 39567 | $275.8M |
| Laurel Branch | Laurel , MS | 39440 | $263.3M |
| North Valdosta Branch | Valdosta , GA | 31602 | $253.1M |
| Ms-Kosciusko Main Branch | Kosciusko , MS | 39090 | $225.4M |
| Hurricane Shoals Branch | Lawrenceville , GA | 30046 | $222.8M |
| Ga-Kennesaw-George Busbee Branch | Kennesaw , GA | 30144 | $220.9M |
| Bay St Louis Hwy 90 Branch | Bay Saint Louis , MS | 39520 | $217.7M |
| Ga-Albany Main Branch | Albany , GA | 31707 | $211.5M |
| Decatur Cedar Ridge Branch | Decatur , AL | 35603 | $210.8M |
| Canton, Ms Branch | Canton , MS | 39046 | $201.4M |
| Macon Forsyth Branch | Macon , GA | 31210 | $201.0M |
| Monticello Branch | Monticello , FL | 32344 | $191.5M |
| Hinesville Branch | Hinesville , GA | 31313 | $186.7M |
| Aberdeen Branch | Aberdeen , MS | 39730 | $185.9M |
| Ms-Oxford Square Branch | Oxford , MS | 38655 | $175.4M |
| West Point Main Branch | West Point , MS | 39773 | $174.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2025 | M&A | Acquired The First Bank merger for the acquired bank | SEC |
| April 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2025 | Structure Change | Acquired The First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2018 | M&A | Acquired The Brand Banking Company merger for the acquired bank | SEC |
| September 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2018 | Structure Change | Acquired The Brand Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2017 | M&A | Acquired Metropolitan Bank merger for the acquired bank | SEC |
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Metropolitan Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2016 | M&A | Acquired KeyWorth Bank merger for the acquired bank | SEC |
| April 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2016 | Structure Change | Acquired KeyWorth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2015 | M&A | Acquired Heritage Bank of the South merger for the acquired bank | SEC |
| July 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2015 | Structure Change | Acquired Heritage Bank of the South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2013 | M&A | Acquired Merchants and Farmers Bank merger for the acquired bank | SEC |
| September 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2013 | Structure Change | Acquired Merchants and Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2011 | M&A | Acquired RBC Trust Company (NC) LLC merger for the acquired bank | SEC |
| September 1, 2011 | Structure Change | Acquired RBC Trust Company (NC) LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 5, 2011 | M&A | Acquired American Trust Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 5, 2011 | Structure Change | Acquired American Trust Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 4, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 24, 2010 | M&A | Acquired Crescent Bank and Trust Company failure_government_assistance_provided for the acquired bank | SEC |
| July 24, 2010 | Structure Change | Acquired Crescent Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 23, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 2, 2007 | M&A | Acquired Capital Bank & Trust Company merger for the acquired bank | SEC |
| July 2, 2007 | Structure Change | Acquired Capital Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2005 | M&A | Acquired Renasant Bank of Tennessee merger for the acquired bank | SEC |
| March 31, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2005 | Structure Change | Acquired Renasant Bank of Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2005 | M&A | Acquired Heritage Bank merger for the acquired bank | SEC |
| January 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2005 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 27, 1999 | M&A | Acquired Inter-City Federal Savings Bank merger for the acquired bank | SEC |
| March 27, 1999 | Structure Change | Acquired Inter-City Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1995 | M&A | Acquired New South Bank merger for the acquired bank | SEC |
| January 1, 1995 | Structure Change | Acquired New South Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 1994 | M&A | Acquired Security Federal Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
| April 16, 1994 | Structure Change | Acquired Security Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 1, 1988 | M&A | Acquired Bank of Water Valley merger for the acquired bank | SEC |
| January 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1988 | Structure Change | Acquired Bank of Water Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1985 | M&A | Acquired Merchants & Farmers Bank of Winona merger for the acquired bank | SEC |
| July 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1985 | Structure Change | Acquired Merchants & Farmers Bank of Winona Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1984 | M&A | Acquired Alcorn Bank and Trust Company merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Renasant Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 11.0% of deposits in MS, rank 3 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12,202 applications, 8,976 loans originated, $2.57B originated, across 28 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 60 loans, $66.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 48 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Renasant Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Renasant Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Renasant Bank
What are Renasant Bank's total assets?
As of the Q2 2026 filing, Renasant Bank reported total assets of $26.99 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Renasant Bank headquartered?
Renasant Bank is headquartered in Tupelo, MS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Renasant Bank founded?
Renasant Bank was established in 1904, per the FDIC institution directory.
Is Renasant Bank FDIC-insured?
Yes. Renasant Bank is an FDIC-insured commercial bank (FDIC Certificate #12437). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Renasant Bank?
Renasant Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Renasant Bank's CET1 capital ratio?
Renasant Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.41% in its Q2 2026 call report, above regulatory requirements.
How many branches does Renasant Bank operate?
Renasant Bank operates 266 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Renasant Bank's Texas Ratio?
Renasant Bank's Texas Ratio is 6.82% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Renasant Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Renasant Bank, freeFree account