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Renasant Bank

Tupelo, MS · Cert 12437 · Renasant Corp.

State charter, Fed member · FED · 259 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

55

Q2 2024Q2 2026Peer median (50)

Asset Quality

56

Q2 2024Q2 2026Peer median (50)

Profitability

55

Q2 2024Q2 2026Peer median (50)

Liquidity

81

Q2 2024Q2 2026Peer median (100)

Efficiency

52

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-13

Renasant Bank

Tupelo, MS · Cert 12437 · Renasant Corp.

State charter, Fed member · FED · 259 branches

Q2 2026

$27.0BAssets
$19.4BLoans
$22.2BDeposits
$4.2BEquity
Loan mix
86%RE $16.2B13%C&I $2.5B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $16.7B25%Noninterest $5.5BQ2 2025Q2 2026

NIM

4.95%Q2 ’244.30%Q2 ’255.07%Q2 ’26-6%+23%

Non-interest income vs. expense

2.55%Q2 ’242.26%Q2 ’252.32%Q2 ’26-2%+1%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 1.3% share · #13 of 81 inst. · $3.2B of $255.1B

40.4% Lee
4.6% Gwinnett
13.5% Madison
44.5% Oktibbeha

Executive Summary

  • Earnings: ROA of 1.40%, up 87 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.96% of loans (+21 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.72%, up 67 bps from a year ago.
  • Funding: loans stand at 87.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+87 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+70 bps YoY

Efficiency Ratio (YTD, annualized)

52.70%-1,044 bps YoY

Tier 1 Leverage Ratio

10.72%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.72%0.89%1.40%1.40%+87 bps
Return on Equity3.51%4.86%5.94%9.22%9.17%+566 bps
Net Interest Margin2.98%3.21%3.31%3.66%3.68%+70 bps
Efficiency Ratio63.14%62.97%61.24%51.76%52.70%-1,044 bps
Non-Interest Burden1.61%1.75%1.74%1.57%1.62%+2 bps
Growth
Asset Growth (YoY)51.93%48.78%48.29%48.26%1.43%-5,050 bps
Loan Growth (YoY)47.00%49.48%47.08%44.61%2.74%-4,426 bps
Deposit Growth (YoY)52.15%46.29%45.39%47.12%1.01%-5,114 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.89%0.91%1.04%0.96%+21 bps
Net Charge-Offs / Loans0.13%0.11%0.13%0.05%0.05%-7 bps
Allowance / Loans1.54%1.54%1.52%1.54%1.52%-1 bps
Allowance Coverage of NPLs2.0x1.7x1.7x1.5x1.6x-0.5x
Capital
Tier 1 Leverage Ratio10.05%10.12%10.28%10.47%10.72%+67 bps
Total Risk-Based Capital13.15%13.05%13.25%13.57%13.67%+52 bps
Equity / Assets14.82%14.92%15.14%15.14%15.43%+61 bps
Liquidity & Funding
Loans / Deposits86.22%88.63%88.70%86.03%87.69%+147 bps
Liquid Assets / Assets7.84%6.84%6.70%6.77%5.84%-200 bps
CRE / Total Capitaln/a448%439%425%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-13

Renasant Bank

Tupelo, MS · Cert 12437 · Peer group: banks over $10B in assets (n=142-144) · Renasant Corp.

State charter, Fed member · FED · 259 branches

Q2 2026

$27.0BAssets
$19.4BLoans
$22.2BDeposits
$4.2BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 94% of banks over $10B in assets (rank 8 of 144).
  • Widest gap: return on equity trails 74% of banks over $10B in assets (rank 106 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 50 of 144

Net Interest Margin

3.68%

Rank 36 of 144

Efficiency Ratio

55.66%

Rank 70 of 144

Equity / Assets

15.43%

Rank 8 of 144

Non-interest income vs. expense

$187.4M$623.3MINCOMEEXPENSE
Unfavorable gap of $435.9M · efficiency ratio beats 52% of banks over $10B in assets
Bank 55.66%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%1.00%1.26%1.54%Beats 65%50 / 144
Return on Equity9.04%8.98%11.34%14.40%Beats 26%106 / 144
Net Interest Margin3.68%2.82%3.31%3.68%Beats 75%36 / 144
Efficiency Ratio55.66%49.42%56.02%62.41%Beats 52%70 / 144
Asset Quality
Nonperforming Loans / Loans0.96%0.48%0.73%1.07%Beats 30%101 / 142
Net Charge-Offs / Loans0.03%0.05%0.11%0.22%Beats 82%27 / 142
Capital
Tier 1 Capital Ratio12.41%12.07%12.98%14.92%Beats 37%91 / 144
Total Risk-Based Capital Ratio13.67%13.39%14.14%16.25%Beats 34%95 / 144
Equity / Assets15.43%9.69%11.39%12.96%Beats 94%8 / 144
Liquidity & Funding
Loans / Deposits87.69%75.72%84.92%91.56%61st pctl56 / 143
Loans / Assets72.03%59.83%69.07%74.80%60th pctl57 / 144
Brokered Deposits / Depositsn/aNot reported for this institution