Tupelo, MS · Cert 12437 · Renasant Corp.
State charter, Fed member · FED · 259 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 1.3% share · #13 of 81 inst. · $3.2B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.23% | 1.04% | 0.52% | 0.72% | 0.89% | 1.40% | 1.40% | +87 bps | |
| Return on Equity | 8.62% | 8.33% | 6.93% | 3.51% | 4.86% | 5.94% | 9.22% | 9.17% | +566 bps | |
| Net Interest Margin | 3.18% | 3.17% | 3.29% | 2.98% | 3.21% | 3.31% | 3.66% | 3.68% | +70 bps | |
| Efficiency Ratio | 59.87% | 61.10% | 63.22% | 63.14% | 62.97% | 61.24% | 51.76% | 52.70% | -1,044 bps | |
| Non-Interest Burden | 1.32% | 1.42% | 1.69% | 1.61% | 1.75% | 1.74% | 1.57% | 1.62% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 3.89% | 5.31% | 51.93% | 48.78% | 48.29% | 48.26% | 1.43% | -5,050 bps | |
| Loan Growth (YoY) | 4.11% | 4.79% | 4.65% | 47.00% | 49.48% | 47.08% | 44.61% | 2.74% | -4,426 bps | |
| Deposit Growth (YoY) | 3.97% | 5.14% | 5.35% | 52.15% | 46.29% | 45.39% | 47.12% | 1.01% | -5,114 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.92% | 0.86% | 0.74% | 0.75% | 0.89% | 0.91% | 1.04% | 0.96% | +21 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.00% | 0.13% | 0.11% | 0.13% | 0.05% | 0.05% | -7 bps | |
| Allowance / Loans | 1.55% | 1.54% | 1.54% | 1.54% | 1.54% | 1.52% | 1.54% | 1.52% | -1 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 2.1x | 2.0x | 1.7x | 1.7x | 1.5x | 1.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.80% | 10.80% | 10.85% | 10.05% | 10.12% | 10.28% | 10.47% | 10.72% | +67 bps | |
| Total Risk-Based Capital | 14.28% | 14.10% | 13.96% | 13.15% | 13.05% | 13.25% | 13.57% | 13.67% | +52 bps | |
| Equity / Assets | 14.91% | 14.94% | 15.01% | 14.82% | 14.92% | 15.14% | 15.14% | 15.43% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.73% | 87.68% | 87.53% | 86.22% | 88.63% | 88.70% | 86.03% | 87.69% | +147 bps | |
| Liquid Assets / Assets | 12.04% | 10.98% | 10.78% | 7.84% | 6.84% | 6.70% | 6.77% | 5.84% | -200 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 448% | 439% | 425% | n/a | n/a | |