RNST on NYSE

Renasant Bank

Logo: Renasant Bank, Public domain, via Wikimedia Commons5

Regional bank based in Tupelo, Mississippi

Renasant Bank is an American regional commercial financial institution based in Tupelo, Mississippi. The bank has more than 280 branches in Alabama, Florida, Georgia, Mississippi, Louisiana, Tennessee, North Carolina and South Carolina.3 From Wikipedia, CC BY-SA 4.0

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Last updated Oct 19, 2026.

Overview

1904Founded1

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  • TickerRNST on NYSE1
  • Industryfinancial services1
  • HeadquartersTupelo1
  • Websitewww.renasantbank.com
  • Incorporated inMS6
  • Business address209 Troy Street, Tupelo, Ms 38804-48276
  • Filer categoryLarge accelerated filer6
  • Legal formSavings Bank4
  • LEI5493002RF1ERFA2XR0504
  • StatusActive4
  • LEI statusIssued and current4
  • Registered address209 Troy Street, 38804 Tupelo, United States4
  • Registered withFederal Deposit Insurance Corporation, 124374
Renasant Bank on Mahan Drive, Tallahassee, Florida
Photo: The Bushranger, CC BY-SA 4.0, via Wikimedia Commons8

Renasant Bank is an American regional commercial financial institution based in Tupelo, Mississippi. The bank has more than 280 branches in Alabama, Florida, Georgia, Mississippi, Louisiana, Tennessee, North Carolina and South Carolina. Renasant Bank operates under the parent company Renasant Corporation and is affiliated with Renasant Nation, a platform through which they publish blogs and shows.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income910111213$181.3M in 2025+8% since 2019
0$50.0M$100.0M$150.0M$200.0M2019: $167.6M$167.6M20192020: $83.7M$83.7M2020−50%2021: $175.9M$175.9M2021+110%2022: $166.1M$166.1M2022−6%2023: $144.7M$144.7M2023−13%2024: $195.5M$195.5M2024+35%2025: $181.3M$181.3M2025−7%

Every line of the income statement as filed: the last 3 fiscal years, latest first.13

Period ending2025-12-312024-12-312023-12-31
Loans$1.1B$806.3M$716.5M
Taxable$90.1M$37.4M$44.5M
Tax-exempt$10.9M$4.5M$6.0M
Other$33.3M$39.6M$30.4M
Total interest income$1.3B$887.8M$797.3M
Deposits$412.6M$346.6M$232.3M
Borrowings$45.7M$29.0M$45.7M
Total interest expense$458.3M$375.6M$278.0M
Net interest income$804.0M$512.2M$519.3M
Provision for credit losses on loans$92.6M$11.2M$18.8M
Provision for (reversal of) credit losses on unfunded commitments$14.9M-$2.0M-$3.2M
Provision for credit losses$107.5M$9.3M$15.6M
Net interest income after provision for credit losses$696.5M$502.9M$503.7M
Service charges on deposit accounts$51.9M$41.8M$39.2M
Fees and commissions$19.8M$16.2M$17.9M
Insurance commissions$0$5.5M$11.1M
Wealth management revenue$31.2M$23.6M$22.1M
Mortgage banking income$37.4M$36.4M$32.4M
Gain on sale of insurance agency$0$53.3M$0
Gain on debt extinguishment$0$56.0K$620.0K
Net losses on sales of securities$0$0-$22.4M
Impairment losses on securities$0$0-$19.4M
BOLI income$14.2M$11.6M$10.5M
Other$27.4M$15.3M$21.0M
Total noninterest income$181.9M$203.7M$113.1M
Salaries and employee benefits$368.6M$283.8M$281.8M
Data processing$20.7M$16.0M$15.2M
Net occupancy and equipment$63.7M$46.0M$46.5M
Other real estate owned$1.7M$858.0K$267.0K
Professional fees$14.9M$12.4M$13.7M
Advertising and public relations$18.4M$16.2M$14.7M
Intangible amortization$27.1M$4.7M$5.4M
Communications$13.7M$8.4M$8.2M
Merger and conversion related expenses$49.3M$13.3M$0
Other$73.8M$60.0M$53.9M
Total noninterest expense$651.7M$461.6M$439.6M
Income before income taxes$226.7M$245.0M$177.2M
Income taxes$45.5M$49.5M$32.5M
Net income (loss)$181.3M$195.5M$144.7M
Basic earnings per share (usd per share)$2.09$3.29$2.58
Diluted earnings per share (usd per share)$2.07$3.27$2.56

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The story

Renasant began as The Peoples Bank and Trust Company in 1904. Throughout the 1980s and 1990s the bank grew by acquiring small local banks in Mississippi. In 2005, it acquired Heritage Bank of Decatur, Alabama, and Renasant Bancshares of Memphis, Tennessee and assumed the new Renasant Bank moniker. In 2007, Renasant acquired Capital Bank of Nashville, Tennessee.

In 2010, as part of the financial crisis, it acquired the failed Crescent Bank and Trust of Jasper, Georgia and later the American Trust Bank of Roswell, Georgia, both suburban Atlanta banks. Additional acquisitions followed in the 2010s, Merchants and Farmers Bank of Kosciusko, Mississippi in 2013, Heritage Bank of the South in Albany, Georgia, in 2015, and Keyworth Bank of Johns Creek, Georgia. In the third quarter of 2018, Renasant acquired BrandBank of Lawrenceville, Georgia, adding 13 more locations.

In early 2025, Renasant acquired The First Bancshares, Inc., the parent company of The First Bank, headquartered in Hattiesburg, Mississippi, which added more than $8 billion in assets, 111 locations and introduced the company into the state of Louisiana.

From Wikipedia’s article on Renasant Bank, shared under CC BY-SA 4.0.7

Leadership

Who has led Renasant Bank, and when. Pick a name to see everywhere that person has worked.

Board members and other officers (62)

Products and brands

  • financial services

Listed on Wikidata.1

Renasant Bank offers checking and savings accounts, credit cards, wealth management, and digital banking services. It also offers conforming, FHA, Jumbo, VA, and USDA mortgages as well as HELOCs. For businesses, it offers treasury and corporate banking services.

From Wikipedia’s article on Renasant Bank, shared under CC BY-SA 4.0.7

Subsidiaries and ownership

Parent company (GLEIF)

Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record.

Former names

  • PEOPLES HOLDING COApr 27, 1994 to Apr 5, 20056

Timeline

  1. Jan 5, 2026New chief executive Kevin D. Chapman becomes CEO17
  2. Jan 30, 2019New chief executive C. Mitchell Waycaster becomes CEO18
  3. Jan 3, 2006New chief executive Edward Robinson McGraw becomes CEO19
  4. Apr 24, 1992Went public Listed on NASDAQ1
  5. Feb 27, 1904Parent Directly consolidated by Renasant Corporation4
  6. 1904Founded Founded1

Filings

474 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 73 major events, 290 insider forms, 27 large holders, 63 other. The latest 20:

  1. Oct 6, 20264 EDGAR
  2. Oct 6, 20263 EDGAR
  3. Oct 2, 20264 EDGAR
  4. Aug 25, 20268-K EDGAR
  5. Aug 13, 2026SCHEDULE 13G EDGAR
  6. Aug 6, 20268-K EDGAR
  7. Aug 5, 202610-Q EDGAR
  8. Aug 3, 2026144 EDGAR
  9. Aug 3, 20264 EDGAR
  10. Jul 28, 20268-K EDGAR
  11. Jul 2, 20264 EDGAR
  12. Jul 1, 202610-K/A EDGAR
  13. Jun 25, 202611-K EDGAR
  14. Jun 9, 20264 EDGAR
  15. May 21, 20264 EDGAR
  16. May 19, 20264 EDGAR
  17. May 15, 20264 EDGAR
  18. May 15, 20268-K EDGAR
  19. May 14, 2026144 EDGAR
  20. May 12, 2026SCHEDULE 13G EDGAR

The 474 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

15 open-market trades by officers, directors and large owners since October 2021: 5 buys and 10 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 3, 2026MCGRAW EDWARD ROBINSONDirectorSale35,000$43.88$1.5MForm 4
May 29, 2026Engel Connie LDirectorSale1,257$40.90$51.4KForm 4
May 19, 2026DALE ALBERT J IIIDirectorSale1,650$39.80$65.7KForm 4
May 14, 2026WAYCASTER C MITCHELLExecutive Vice ChairmanSale12,704$39.50$501.8KForm 4
Mar 4, 2026Hutcheson KellyEVP/Chief Accounting OfficerSale1,350$38.65$52.2KForm 4
Feb 13, 2026COLE M RAY JRSEVP and Executive AdvisorSale20,000$40.63$812.6KForm 4
Feb 2, 2026Jeanfreau MarkEVP/General CounselSale6,000$37.88$227.3KForm 4
Jan 30, 2026Mabry James C. IVEVP and CFOSale12,500$37.83$472.9KForm 4
Nov 11, 2025LEVY JONATHAN ADirectorBuy2,000$34.79$69.6KForm 4
Aug 1, 2025LEVY JONATHAN ADirectorBuy2,000$35.64$71.3KForm 4
Feb 21, 2025Hutcheson KellyEVP/Chief Accounting OfficerSale1,310$36.72$48.1KForm 4
Nov 6, 2024CREEKMORE JOHNDirectorSale3,000$38.00$114.0KForm 4
May 10, 2023Perry Curtis JEVPBuy10,000$24.45$244.5KForm 4
May 3, 2023FOY JOHNDirectorBuy3,000$25.95$77.8KForm 4
Apr 7, 2023HOLLAND NEAL A JRDirectorBuy500$30.00$15.0KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.13,321,187$566.7M0.0%−305,111
Wellington Management Group Llp5,779,920$245.9M0.0%+1,453,908
Vanguard Portfolio Management LLC5,778,684$245.8M0.0%−31,917
Dimensional Fund Advisors LP5,408,267$230.1M0.0%+79,595
State Street Corp5,139,537$218.7M0.0%+285,562
Vanguard Capital Management LLC4,149,243$176.5M0.0%−102,429
Invesco Ltd.2,889,528$122.9M0.0%+273,095
Victory Capital Management Inc2,715,878$115.5M0.1%−338,629
Geode Capital Management, LLC2,408,579$102.5M0.0%+98,218
Principal Financial Group Inc2,047,754$87.1M0.0%+786,594
Frontier Capital Management Co LLC1,778,953$75.7M0.7%+76,240
Nomura Asset Management International Inc.1,725,063$73.4M0.1%−85,044
Westwood Holdings Group Inc1,689,571$71.9M0.5%−288,976
Goldman Sachs Group Inc1,613,420$68.6M0.0%+116,905
Channing Capital Management, LLC1,512,557$64.3M1.5%−654,347
Jennison Associates LLC1,372,549$58.4M0.0%−27,055
Allspring Global Investments Holdings, LLC1,138,049$49.7M0.1%−439,163
Citadel Advisors LLC1,114,752$47.4M0.0%+776,851
Charles Schwab Investment Management Inc1,101,966$46.9M0.0%−9,195
Northern Trust Corp1,053,914$44.8M0.0%+74,580
UBS Group AG1,028,702$43.8M0.0%+607,441
Bank of New York Mellon Corp810,683$34.5M0.0%+4,458
Morgan Stanley801,791$34.1M0.0%+123,133
Manufacturers Life Insurance Company, The787,537$33.5M0.0%−1,917
William Blair Investment Management, LLC772,965$32.9M0.1%−207,855

13F reports cover disclosed long positions in U.S. stocks only.

Sources

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