Renasant Bank
Renasant Bank reported total assets of $27.0 bn at Q2 2026, up 1.4% on a year earlier, the 80th largest of 497 banks in our US coverage. The CET1 capital ratio at Renasant Bank was 12.41%, and the uninsured share of Renasant Bank was 46.27%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Renasant Bank climbed from 347th to 185th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Renasant Bank has taken over 4 institutions; the latest was The First Bank on (FDIC Call Reports).
What sets Renasant Bank apart
How large is Renasant Bank?
The balance sheet of Renasant Bank at : assets $27.0 bn, deposits $22.2 bn, net loans $19.1 bn (loans equal to 86.36% of deposits). Securities make up 14.2% of total assets at Renasant Bank. Since , when Renasant Bank held $8.1 bn, its assets grew 232.2%. In the year to , deposits at Renasant Bank rose 1.0% while its total assets rose 1.4%. At , Renasant Bank employed 2,952 full-time equivalent staff across 266 offices, about $9.1 mn of assets per employee and $83.3 mn of deposits per office.
How much funding at Renasant Bank is uninsured?
At Renasant Bank, uninsured deposits (above the FDIC limit) made up 46.27% of domestic deposits at (+3.90 pp on a year earlier); Renasant Bank ranks 121st of 500 on this measure. In dollars, Renasant Bank estimated $10.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $22.2 bn | +1.0% | 79th of 499 |
| Net loans and leases | $19.1 bn | +2.7% | 80th of 500 |
| Loan-to-deposit ratio | 86.36% | +1.46 pp | 257th of 500 |
| Tier 1 leverage ratio | 10.72% | +0.68 pp | 205th of 500 |
| Total risk-based capital ratio | 13.67% | +0.52 pp | 288th of 448 |
| Net interest margin | 3.97% | -0.05 pp | 147th of 500 |
| Return on assets (ROA) | 1.40% | +0.87 pp | 199th of 500 |
| Efficiency ratio | 52.70% | -10.44 pp | 185th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $80.1 mn | Narrowed by $12.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $99.8 mn | Narrowed by $2.4 mn | |
| Noncurrent loans to total loans | 0.96% | +0.21 pp | 358th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | -0.11 pp | 199th of 500 (1 = lowest) |
US rank of Renasant Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Renasant Bank: assets, deposits and loans
- Total assets $27.0bn
- Deposits $22.2bn
- Net loans $19.1bn
Capital and securities
The CET1 ratio of Renasant Bank stood at 12.41% in , +0.52 pp year on year. Low and high at Renasant Bank since : 10.98% () to 13.71% (). Equity capital of Renasant Bank at : $4.2 bn, or 15.4% of total assets. Renasant Bank also reported a total capital ratio of 13.67% for , and a tier 1 leverage ratio of 10.72%.
On held-to-maturity securities, Renasant Bank carried an unrealized loss of $80.1 mn at , equal to 1.9% of equity capital. The loss narrowed by $12.3 mn over the year. Its deepest point: $166.5 mn in . The available-for-sale portfolio of Renasant Bank showed an unrealized loss of $99.8 mn at ; the loss narrowed by $2.4 mn over the year.
Renasant Bank: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 11%
Renasant Bank: unrealized securities gains and losses
- Available for sale -$100mn
- Held to maturity -$80mn
Profitability and loan quality
For the year to , Renasant Bank earned a return on equity of 9.17%; return on assets: 1.40%. Net interest margin at Renasant Bank: 3.97%, -0.05 pp in a year. Renasant Bank net income: $188.2 mn, up 242.9% year on year. The efficiency ratio of Renasant Bank was 52.70%: about 53 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 0.96% of total loans at Renasant Bank; net charge-offs: 0.05% of average loans. Gross loans and leases at Renasant Bank: $19.4 bn, up 2.7% in a year.
Renasant Bank: profitability
- Return on equity 9.2%
- Net interest margin 4.0%
- Return on assets 1.4%
Peer group of Renasant Bank
The peer group of Renasant Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Renasant Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Mississippi. Against them, Renasant Bank shows CET1 ratio 12.41% against a peer median of 13.25%, return on equity 9.17% against a peer median of 9.38% and uninsured deposit share 46.27% against a peer median of 31.66%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Arvest Bank | State member bank | AR | $28.1 bn | 11.45% | 6.57% | 27.78% | |
| WesBanco Bank, Inc. | State nonmember bank | WV | $27.7 bn | 12.24% | 9.16% | 32.23% | |
| WaFd Bank | State nonmember bank | WA | $27.6 bn | 12.95% | 8.98% | 31.10% | |
| Renasant Bank | State member bank | MS | $27.0 bn | 12.41% | 9.17% | 46.27% | |
| Charles Schwab Premier Bank, SSB | State member bank | TX | $26.6 bn | 49.32% | 20.07% | 1.56% | |
| Customers Bank | State member bank | PA | $26.5 bn | 13.55% | 13.06% | 44.28% | |
| First Interstate Bank | State member bank | MT | $25.8 bn | 14.32% | 9.61% | 36.43% | |
. FDIC Call Reports.
Last eight quarters
Two years at Renasant Bank, to : assets +50.3%, deposits +48.8%, equity +55.5%. Staff 2,229 to 2,952; offices 166 to 266.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $18.0 bn | $18.0 bn | $18.3 bn | $26.6 bn | $26.7 bn | $26.7 bn | $27.1 bn | $27.0 bn |
| Total deposits | $14.9 bn | $15.0 bn | $15.2 bn | $21.9 bn | $21.8 bn | $21.8 bn | $22.3 bn | $22.2 bn |
| Bank equity capital | $2.7 bn | $2.7 bn | $2.7 bn | $3.9 bn | $4.0 bn | $4.0 bn | $4.1 bn | $4.2 bn |
| CET1 ratio | 13.03% | 12.85% | 12.71% | 11.89% | 11.80% | 12.00% | 12.32% | 12.41% |
| Return on equity (ROE) | 8.62% | 8.33% | 6.93% | 3.51% | 4.86% | 5.94% | 9.22% | 9.17% |
| Uninsured share of domestic deposits | 42.83% | 43.33% | 43.61% | 42.37% | 46.00% | 45.21% | 45.88% | 46.27% |
| Full-time equivalent employees | 2,229 | 2,221 | 2,225 | 3,259 | 3,058 | 3,038 | 2,954 | 2,952 |
| Number of offices | 166 | 166 | 170 | 275 | 269 | 266 | 266 | 266 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Renasant Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed KeyWorth Bank (FDIC certificate 58617).
- . Absorbed Metropolitan Bank (FDIC certificate 22346).
- . Absorbed The Brand Banking Company (FDIC certificate 878).
- . Absorbed The First Bank (FDIC certificate 34217).
Large one-quarter moves at Renasant Bank
- Total assets at Renasant Bank changed by +45.6% in the quarter to 2025-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from The First Bank.
Questions and identifiers
What were the total assets of Renasant Bank?
Renasant Bank reported $27.0 bn at in its Call Report. That makes Renasant Bank the 80th largest of 497 banks in our US coverage.
Is Renasant Bank the same as its holding company?
No. This page covers Renasant Bank, FDIC certificate 12437; RENASANT CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Renasant Bank profitable?
Renasant Bank reported net income of $188.2 mn for the year to ; annualized return on equity: 9.17%. So yes: Renasant Bank made a profit over these months.
When is data for Renasant Bank next updated?
Figures from Renasant Bank for are due after .
Where can I check the figures for Renasant Bank?
In the FDIC BankFind Suite record for certificate 12437, and in the Call Reports of Renasant Bank (RSSD ID 749242) at the FFIEC Central Data Repository.