Form 8-K

8-K — RENASANT CORP

Accession: 0000715072-26-000067

Filed: 2026-07-28

Period: 2026-07-28

CIK: 0000715072

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — rnst-20260728.htm (Primary)

EX-99.1 (exhibit991_rnstx2q2026earn.htm)

EX-99.2 (rnstq22026earningsdeck.htm)

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8-K

8-K (Primary)

Filename: rnst-20260728.htm · Sequence: 1

rnst-20260728

0000715072false00007150722026-07-282026-07-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

July 28, 2026

Date of report (Date of earliest event reported)

RENASANT CORPORATION

(Exact name of registrant as specified in its charter)

Mississippi

001-13253

64-0676974

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

209 Troy Street, Tupelo, Mississippi 38804-4827

(Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (662) 680-1001

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common stock, $5.00 par value per share RNST The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On July 28, 2026, Renasant Corporation (the “Company”) issued a press release announcing earnings for the second quarter of 2026. The press release is furnished as Exhibit 99.1 to this Form 8-K.

Item 7.01. Regulation FD Disclosure

On July 28, 2026, the Company also made available presentation materials (the “Presentation”) prepared for use with its earnings conference call on July 29, 2026. The Presentation is attached hereto and incorporated herein as Exhibit 99.2.

In accordance with General Instruction B.2 of Form 8-K, the information in this Item 7.01, including Exhibit 99.2, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and shall not be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such filing.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS:

This press release may contain, or incorporate by reference, statements about Renasant Corporation that constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words “believes,” “expects,” “projects,” “anticipates,” “intends,” “estimates,” “plans,” “potential,” “focus,” “possible,” “may increase,” “may fluctuate,” “will likely result,” or similar expressions, or future or conditional verbs such as “will,” “should,” “would” and “could,” are generally forward-looking in nature and not historical facts. Forward-looking statements include information about the Company’s future financial performance, business strategy, projected plans and objectives and are based on the current beliefs and expectations of management. The Company’s management believes these forward-looking statements are reasonable, but they are all inherently subject to significant business, economic and competitive risks and uncertainties, many of which are beyond the Company’s control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Actual results may differ from those indicated or implied in the forward-looking statements, and such differences may be material. Prospective investors are cautioned that any forward-looking statements are not guarantees of future performance and involve risks and uncertainties and, accordingly, investors should not place undue reliance on these forward-looking statements, which speak only as of the date they are made.

Important factors currently known to management that could cause the Company’s actual results to differ materially from those in forward-looking statements include the following: (i) the Company’s ability to efficiently integrate acquisitions into its operations, retain the customers of these businesses, grow the acquired operations and realize the cost savings expected from an acquisition to the extent and in the timeframe anticipated by management (including the possibility that such cost savings will not be realized when expected, or at all, as a result of the impact of, or challenges arising from, the integration of the acquired assets and assumed liabilities into the Company, potential adverse reactions or changes to business or employee relationships, or as a result of other unexpected factors or events); (ii) potential exposure to unknown or contingent risks and liabilities the Company has acquired or may acquire; (iii) the effect of economic conditions and interest rates on a national, regional or international basis; (iv) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (v) the Company’s ability to remediate the material weakness in the its internal control over financial reporting identified in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (vii) the financial resources of, and products available from, competitors; (viii) changes in laws and regulations as well as changes in accounting standards; (ix) changes in governmental and

regulatory policy, whether applicable specifically to financial institutions or impacting the United States generally (such as, for example, changes in trade policy); (x) changes in the securities and foreign exchange markets; (xi) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (xii) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of the Company’s investment securities portfolio; (xiii) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xiv) changes in the sources and costs of the capital the Company uses to make loans and otherwise fund the Company’s operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xv) general economic, market or business conditions, including the impact of inflation; (xvi) changes in demand for loan and deposit products and other financial services; (xvii) concentrations of credit or deposit exposure; (xviii) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xix) losses resulting from fraudulent activity, including loan and deposit fraud and social engineering attacks targeting the Company’s customers, employees and third party vendors; (xx) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses, including as a result of sophisticated attacks using artificial intelligence (“AI”) and similar tools; (xxi) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxii) geopolitical conditions, including acts or threats of terrorism and actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad; (xxiii) the impact, extent and timing of technological changes, including the rapid development of AI technologies; and (xxiv) other circumstances, many of which are beyond management’s control.

Management believes that the assumptions underlying Company’s forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described in the Company’s filings with the SEC from time to time, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC’s website at www.sec.gov.

The Company undertakes no obligation, and specifically disclaims any obligation, to update or revise forward-looking statements, whether as a result of new information or to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time, except as required by federal securities laws.

Item 9.01. Financial Statements and Exhibits.

(d) The following exhibits are furnished herewith:

Exhibit No. Description

99.1 Press release issued by Renasant Corporation announcing earnings for the second quarter of 2026

99.2 Presentation materials for Renasant Corporation Second Quarter 2026 Earnings Call

104 The cover page of Renasant Corporation's Form 8-K is formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

RENASANT CORPORATION

Date: July 28, 2026

By:

/s/ Kevin D. Chapman

Kevin D. Chapman

Chief Executive Officer

EX-99.1

Filename: exhibit991_rnstx2q2026earn.htm · Sequence: 2

Document

Contacts: For Media: For Financials:

John S. Oxford James C. Mabry IV

Senior Vice President Executive Vice President

Chief Marketing Officer Chief Financial Officer

(662) 680-1219 (662) 680-1281

RENASANT CORPORATION ANNOUNCES

EARNINGS FOR THE SECOND QUARTER OF 2026

TUPELO, MISSISSIPPI (July 28, 2026) - Renasant Corporation (NYSE: RNST) (the “Company”) today announced earnings results for the second quarter of 2026.

(Dollars in thousands, except earnings per share) Three Months Ended Six Months Ended

Jun 30, 2026 Mar 31, 2026 Jun 30, 2025 Jun 30, 2026 Jun 30, 2025

Net income and Earnings per share:

Net income $87,091 $88,228 $1,018 $175,319 $42,536

Merger and conversion related expenses (net of tax) — — (15,935) — (16,527)

Day 1 acquisition provision (net of tax) — — (50,026) — (50,026)

Basic EPS 0.95 0.94 0.01 1.89 0.54

Diluted EPS 0.94 0.94 0.01 1.88 0.53

Adjusted diluted EPS (non-GAAP)(1)

0.94 0.93 0.69 1.88 1.36

Impact to diluted EPS from merger and conversion related expenses (net of tax) — — (0.17) — (0.21)

Impact to diluted EPS from Day 1 acquisition provision (net of tax) — — (0.53) — (0.63)

“Second quarter results were strong, and together with the first quarter, we have six months of financial performance that is well ahead of last year’s levels. We believe our team is operating at a high level and has positioned us to continue producing strong profitability as we pursue opportunities for added growth throughout our footprint,” remarked Kevin D. Chapman, President and Chief Executive Officer of the Company.

Quarterly Highlights

Earnings

•Net income for the second quarter of 2026 was $87.1 million; both diluted EPS and adjusted diluted EPS (non-GAAP)(1) were $0.94

•Net interest income, on a fully tax equivalent basis, for the second quarter of 2026 was $227.7 million, down $0.8 million linked quarter

•Net interest margin, on fully tax equivalent basis, for the second quarter of 2026 was 3.83%, down 4 basis points linked quarter. Adjusted net interest margin (non-GAAP)(1) was flat at 3.61%

•Cost of total deposits was 1.96% for the second quarter of 2026, up 2 basis points linked quarter

•Noninterest income increased $0.9 million linked quarter

•Mortgage banking income decreased $0.3 million linked quarter. The mortgage division generated $611.6 million in interest rate lock volume in the second quarter of 2026, up $69.3 million linked quarter. Gain on sale margin was 1.57% for the second quarter of 2026, down 28 basis points linked quarter

•Noninterest expense increased $6.2 million linked quarter, driven primarily by deferred compensation accruals tied to market valuations, higher health insurance claims and annual merit increases

Balance Sheet

•Loans increased $220.9 million linked quarter, representing a 4.7% annualized net loan increase. Included in this increase is a $58.3 million loan portfolio that Renasant Bank’s subsidiary, Republic Business Credit, acquired during the quarter

•Securities increased $9.3 million linked quarter. The Company purchased $162.4 million in securities during the second quarter, which was offset by a negative fair market value adjustment in the Company’s available-for-sale portfolio of $9.2 million and cash flows related to principal payments, calls and maturities of $146.5 million

•Deposits at June 30, 2026 decreased $398.4 million linked quarter. Seasonal outflows in public fund deposits accounted for $367.7 million of the decrease. Noninterest bearing deposits decreased $145.4 million linked quarter and represented 23.2% of total deposits at June 30, 2026 as compared to 23.5% at March 31, 2026

Capital and Stock Repurchase Program

•Book value per share and tangible book value per share (non-GAAP)(1) increased 1.7% and 1.4%, respectively, linked quarter

•Effective April 28, 2026, the Company’s quarterly cash dividend was increased to $0.24 per share

•The Company has a $250.0 million stock repurchase program under which the Company is authorized to repurchase outstanding shares of its common stock either in open market purchases or privately negotiated transactions. The program will remain in effect until the earlier of October 2026 or the repurchase of the entire amount authorized under the plan. During the second quarter of 2026, the Company repurchased $60.0 million of common stock at a weighted average price of $39.54. As of June 30, 2026, $101.8 million in repurchase authorization remained available under the program

•On May 7, 2026, the Company completed a subordinated debt offering, issuing $300.0 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036

Credit Quality

•The Company recorded a provision for credit losses on loans and unfunded commitments of $1.2 million and $2.6 million, respectively, for the second quarter of 2026, representing a decrease of $3.1 million and $1.2 million, respectively, linked quarter

•The ratio of the allowance for credit losses on loans to total loans was 1.54% at June 30, 2026, down 2 basis points linked quarter

•The coverage ratio, or the allowance for credit losses on loans to nonperforming loans, was 158.73% at June 30, 2026, compared to 147.71% at March 31, 2026

•Net loan charge-offs for the second quarter of 2026 were $2.8 million, or 0.06% annualized

•Nonperforming loans to total loans decreased to 0.97% at June 30, 2026 compared to 1.06% at March 31, 2026 , and criticized loans (which include classified and Special Mention loans) to total loans decreased to 2.66% at June 30, 2026, compared to 2.77% at March 31, 2026

(1) This is a non-GAAP financial measure. A reconciliation of all non-GAAP financial measures disclosed in this release from GAAP to non-GAAP is included in the tables at the end of this release. The information below under the heading “Non-GAAP Financial Measures” explains why the Company believes the non-GAAP financial measures in this release provide useful information and describes the other purposes for which the Company uses non-GAAP financial measures.

Income Statement

(Dollars in thousands, except per share data) Three Months Ended Six Months Ended

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Jun 30, 2026 Jun 30, 2025

Interest income

Loans held for investment $ 296,346 $ 295,397 $ 305,604 $ 308,110 $ 301,794 $ 591,743 $ 498,360

Loans held for sale 3,329 2,876 3,617 4,675 4,639 6,205 7,647

Securities 35,660 32,266 30,232 30,217 28,408 67,926 40,525

Other 5,105 7,581 7,480 8,096 9,057 12,686 17,696

Total interest income 340,440 338,120 346,933 351,098 343,898 678,560 564,228

Interest expense

Deposits 106,398 103,860 105,673 115,573 111,921 210,258 191,307

Borrowings 11,288 10,701 13,867 12,005 13,118 21,989 19,865

Total interest expense 117,686 114,561 119,540 127,578 125,039 232,247 211,172

Net interest income 222,754 223,559 227,393 223,520 218,859 446,313 353,056

Provision for credit losses

Provision for loan losses 1,166 4,224 5,473 9,650 75,400 5,390 77,450

Provision for unfunded commitments 2,633 3,856 5,462 800 5,922 6,489 8,622

Total provision for credit losses 3,799 8,080 10,935 10,450 81,322 11,879 86,072

Net interest income after provision for credit losses 218,955 215,479 216,458 213,070 137,537 434,434 266,984

Noninterest income 51,190 50,272 51,125 46,026 48,334 101,462 84,729

Noninterest expense 161,501 155,328 170,750 183,830 183,204 316,829 297,080

Income before income taxes 108,644 110,423 96,833 75,266 2,667 219,067 54,633

Income taxes 21,553 22,195 17,885 15,478 1,649 43,748 12,097

Net income $ 87,091 $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 175,319 $ 42,536

Adjusted net income (non-GAAP)(1)

$ 87,091 $ 88,071 $ 86,879 $ 72,917 $ 65,877 $ 175,162 $ 107,987

Adjusted pre-provision net revenue (“PPNR”) (non-GAAP)(1)

$ 112,443 $ 118,294 $ 118,335 $ 103,210 $ 103,001 $ 230,737 $ 160,508

Basic earnings per share $ 0.95 $ 0.94 $ 0.84 $ 0.63 $ 0.01 $ 1.89 $ 0.54

Diluted earnings per share 0.94 0.94 0.83 0.63 0.01 1.88 0.53

Adjusted diluted earnings per share (non-GAAP)(1)

0.94 0.93 0.91 0.77 0.69 1.88 1.36

Average basic shares outstanding 91,650,415 93,693,615 94,469,544 94,623,551 94,580,927 92,666,370 79,209,073

Average diluted shares outstanding 92,220,282 94,228,343 95,172,380 95,284,603 95,136,160 93,219,350 79,671,775

Cash dividends per common share $ 0.24 $ 0.23 $ 0.23 $ 0.22 $ 0.22 $ 0.47 $ 0.44

Performance Ratios

Three Months Ended Six Months Ended

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Jun 30, 2026 Jun 30, 2025

Return on average assets 1.30 % 1.33 % 1.17 % 0.90 % 0.02 % 1.32 % 0.39 %

Adjusted return on average assets (non-GAAP)(1)

1.30 1.33 1.29 1.09 1.01 1.32 0.98

Return on average tangible assets (non-GAAP)(1)

1.48 1.51 1.35 1.06 0.13 1.50 0.48

Adjusted return on average tangible assets (non-GAAP)(1)

1.48 1.51 1.47 1.27 1.18 1.50 1.12

Return on average equity 9.07 9.20 8.14 6.25 0.11 9.14 2.66

Adjusted return on average equity (non-GAAP)(1)

9.07 9.19 8.95 7.62 7.06 9.13 6.76

Return on average tangible equity (non-GAAP)(1)

16.25 16.36 14.80 11.87 1.43 16.30 5.24

Adjusted return on average tangible equity (non-GAAP)(1)

16.25 16.33 16.18 14.22 13.50 16.29 12.10

Efficiency ratio (fully taxable equivalent) 57.92 55.73 60.23 67.05 67.59 56.83 66.78

Adjusted efficiency ratio (non-GAAP)(1)

54.92 52.82 53.52 57.51 57.07 53.87 59.95

Dividend payout ratio 25.26 24.47 27.38 34.92 2200.00 24.87 81.48

Capital and Balance Sheet Ratios

As of

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025

Shares outstanding 91,403,230 92,881,329 94,636,207 95,020,881 95,019,311

Market value per share $ 42.54 $ 36.13 $ 35.22 $ 36.89 $ 35.93

Book value per share 42.35 41.63 41.05 40.26 39.77

Tangible book value per share (non-GAAP)(1)

25.34 25.00 24.65 23.77 23.10

Shareholders’ equity to assets 14.34 % 14.27 % 14.52 % 14.31 % 14.19 %

Tangible common equity ratio (non-GAAP)(1)

9.10 9.08 9.26 8.98 8.77

Leverage ratio(2)

9.55 9.54 9.61 9.46 9.36

Common equity tier 1 capital ratio(2)

11.06 11.22 11.24 11.04 11.08

Tier 1 risk-based capital ratio(2)

11.06 11.22 11.24 11.04 11.08

Total risk-based capital ratio(2)

15.94 14.77 14.78 14.88 14.97

(2) Preliminary

Noninterest Income and Noninterest Expense

(Dollars in thousands) Three Months Ended Six Months Ended

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Jun 30, 2026 Jun 30, 2025

Noninterest income

Service charges on deposit accounts $ 14,516 $ 14,740 $ 14,535 $ 13,416 $ 13,618 $ 29,256 $ 23,982

Fees and commissions 5,471 4,654 5,192 4,167 6,650 10,125 10,437

Wealth management revenue 9,073 8,678 8,572 8,217 7,345 17,751 14,412

Mortgage banking income 9,178 9,435 8,924 9,017 11,263 18,613 19,410

BOLI income 4,608 3,689 3,697 4,235 3,383 8,297 6,312

Other 8,344 9,076 10,205 6,974 6,075 17,420 10,176

Total noninterest income $ 51,190 $ 50,272 $ 51,125 $ 46,026 $ 48,334 $ 101,462 $ 84,729

Noninterest expense

Salaries and employee benefits $ 96,228 $ 91,749 $ 98,082 $ 98,982 $ 99,542 $ 187,977 $ 171,499

Data processing 5,037 5,221 5,636 5,541 5,438 10,258 9,527

Net occupancy and equipment 18,018 18,031 16,123 18,415 17,359 36,049 29,113

Other real estate owned 453 1,399 481 328 157 1,852 842

Professional fees 4,518 4,402 4,327 3,435 4,223 8,920 7,107

Advertising and public relations 4,677 4,599 4,314 5,254 4,490 9,276 8,787

Intangible amortization 8,370 8,220 8,465 8,674 8,884 16,590 9,964

Communications 3,566 4,009 4,493 3,955 3,184 7,575 5,217

Merger and conversion related expenses — — 10,567 17,494 20,479 — 21,270

Other 20,634 17,698 18,262 21,752 19,448 38,332 33,754

Total noninterest expense $ 161,501 $ 155,328 $ 170,750 $ 183,830 $ 183,204 $ 316,829 $ 297,080

Mortgage Banking Income

(Dollars in thousands) Three Months Ended Six Months Ended

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Jun 30, 2026 Jun 30, 2025

Gain on sales of loans, net(1)

$ 4,760 $ 5,305 $ 5,243 $ 5,270 $ 5,316 $ 10,065 $ 9,816

Fees, net 3,470 2,842 2,970 3,050 3,740 6,312 6,057

Mortgage servicing income, net 948 1,288 711 697 2,207 2,236 3,537

Total mortgage banking income $ 9,178 $ 9,435 $ 8,924 $ 9,017 $ 11,263 $ 18,613 $ 19,410

(1) Gain on sales of loans, net includes pipeline fair value adjustments

Balance Sheet

(Dollars in thousands) As of

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025

Assets

Cash and cash equivalents $ 881,203 $ 1,216,980 $ 1,070,718 $ 1,083,785 $ 1,378,612

Securities held to maturity, at amortized cost 983,032 1,006,511 1,030,073 1,051,884 1,076,817

Securities available for sale, at fair value 2,842,424 2,809,647 2,560,818 2,512,650 2,471,487

Loans held for sale, at fair value 241,588 230,980 265,959 286,779 356,791

Loans held for investment 19,196,172 18,975,248 19,047,039 19,025,521 18,563,447

Allowance for credit losses on loans (296,008) (295,862) (293,955) (297,591) (290,770)

Loans, net 18,900,164 18,679,386 18,753,084 18,727,930 18,272,677

Premises and equipment, net 464,020 463,723 465,141 471,213 465,100

Other real estate owned 15,571 12,954 15,191 10,578 11,750

Goodwill 1,417,538 1,406,667 1,405,840 1,411,711 1,419,782

Other intangibles 138,022 138,392 146,612 155,077 163,751

Bank-owned life insurance 495,235 494,874 492,541 488,920 486,613

Mortgage servicing rights 65,816 64,850 65,271 65,466 64,539

Other assets 560,386 582,310 480,178 460,172 457,056

Total assets $ 27,004,999 $ 27,107,274 $ 26,751,426 $ 26,726,165 $ 26,624,975

Liabilities and Shareholders’ Equity

Liabilities

Deposits:

Noninterest-bearing $ 5,038,070 $ 5,183,426 $ 5,043,960 $ 5,238,431 $ 5,356,153

Interest-bearing 16,662,982 16,916,058 16,429,110 16,186,124 16,226,484

Total deposits 21,701,052 22,099,484 21,473,070 21,424,555 21,582,637

Short-term borrowings 315,225 305,863 555,774 606,063 405,349

Long-term debt 796,469 500,342 499,756 558,878 556,976

Other liabilities 320,875 334,667 337,921 310,891 301,159

Total liabilities $ 23,133,621 $ 23,240,356 $ 22,866,521 $ 22,900,387 $ 22,846,121

Shareholders’ equity:

Common stock 488,612 488,612 488,612 488,612 488,612

Treasury stock (232,402) (173,835) (103,494) (90,297) (90,248)

Additional paid-in capital 2,390,839 2,388,649 2,392,997 2,389,033 2,393,566

Retained earnings 1,327,997 1,263,116 1,196,522 1,139,600 1,100,965

Accumulated other comprehensive loss (103,668) (99,624) (89,732) (101,170) (114,041)

Total shareholders’ equity

3,871,378 3,866,918 3,884,905 3,825,778 3,778,854

Total liabilities and shareholders’ equity

$ 27,004,999 $ 27,107,274 $ 26,751,426 $ 26,726,165 $ 26,624,975

Net Interest Income and Net Interest Margin

(Dollars in thousands) Three Months Ended

June 30, 2026 March 31, 2026 June 30, 2025

Average

Balance

Interest

Income/

Expense(1)

Yield/

Rate(1)

Average

Balance

Interest

Income/

Expense(1)

Yield/

Rate(1)

Average

Balance

Interest

Income/

Expense(1)

Yield/

Rate(1)

Interest-earning assets:

Loans held for investment $ 19,060,083 $ 300,112 6.31 % $ 19,035,115 $ 299,125 6.37 % $ 18,448,000 $ 304,834 6.63 %

Loans held for sale 223,489 3,329 5.96 % 211,507 2,876 5.44 % 287,855 4,639 6.45 %

Taxable securities 3,472,422 29,691 3.42 % 3,380,880 28,861 3.41 % 3,106,565 24,917 3.21 %

Tax-exempt securities 445,249 7,106 6.38 % 432,789 4,542 4.20 % 462,732 4,309 3.72 %

Total securities 3,917,671 36,797 3.76 % 3,813,669 33,403 3.50 % 3,569,297 29,226 3.28 %

Interest-bearing balances with banks 600,075 5,105 3.41 % 823,706 7,581 3.73 % 901,803 9,057 4.03 %

Total interest-earning assets 23,801,318 345,343 5.82 % 23,883,997 342,985 5.81 % 23,206,955 347,756 6.01 %

Cash and due from banks 264,246 290,611 357,338

Intangible assets 1,546,924 1,548,244 1,589,490

Other assets 1,187,805 1,132,508 1,029,082

Total assets $ 26,800,293 $ 26,855,360 $ 26,182,865

Interest-bearing liabilities:

Interest-bearing demand(2)

$ 11,647,640 $ 72,261 2.49 % $ 11,741,333 $ 72,025 2.49 % $ 11,191,443 $ 76,542 2.74 %

Savings deposits 1,307,314 944 0.29 % 1,289,327 876 0.28 % 1,322,007 1,032 0.31 %

Time deposits 3,760,192 33,193 3.54 % 3,583,946 30,959 3.50 % 3,404,482 34,347 4.05 %

Total interest-bearing deposits 16,715,146 106,398 2.55 % 16,614,606 103,860 2.54 % 15,917,932 111,921 2.82 %

Borrowed funds 891,081 11,288 5.07 % 973,114 10,701 4.44 % 1,036,045 13,118 5.07 %

Total interest-bearing liabilities 17,606,227 117,686 2.68 % 17,587,720 114,561 2.64 % 16,953,977 125,039 2.96 %

Noninterest-bearing deposits 5,038,879 5,088,817 5,233,976

Other liabilities 303,586 290,242 249,861

Shareholders’ equity 3,851,601 3,888,581 3,745,051

Total liabilities and shareholders’ equity $ 26,800,293 $ 26,855,360 $ 26,182,865

Net interest income/ net interest margin (FTE) $ 227,657 3.83 % $ 228,424 3.87 % $ 222,717 3.85 %

Cost of funding 2.08 % 2.05 % 2.26 %

Cost of total deposits 1.96 % 1.94 % 2.12 %

(1) Interest income and weighted average yields on tax-exempt loans and securities have been computed on a fully tax equivalent basis assuming a federal tax rate of 21%.

(2) Interest-bearing demand deposits include interest-bearing transactional accounts and money market deposits.

Net Interest Income and Net Interest Margin, continued

(Dollars in thousands) Six Months Ended

June 30, 2026 June 30, 2025

Average

Balance

Interest

Income/

Expense(1)

Yield/

Rate(1)

Average

Balance

Interest

Income/

Expense(1)

Yield/

Rate(1)

Interest-earning assets:

Loans held for investment $ 19,047,668 $ 599,237 6.34% $ 15,722,576 $ 504,338 6.47%

Loans held for sale 217,531 6,205 5.71% 244,626 7,647 6.25%

Taxable securities 3,426,904 58,552 3.42% 2,498,428 35,888 2.87%

Tax-exempt securities 439,053 11,648 5.31% 361,827 5,752 3.18%

Total securities 3,865,957 70,200 3.63% 2,860,255 41,640 2.91%

Interest-bearing balances with banks 711,273 12,686 3.60% 863,486 17,696 4.13%

Total interest-earning assets 23,842,429 688,328 5.81% 19,690,943 571,321 5.84%

Cash and due from banks 277,356 270,088

Intangible assets 1,547,581 1,297,622

Other assets 1,160,309 850,231

Total assets $ 26,827,675 $ 22,108,884

Interest-bearing liabilities:

Interest-bearing demand(2)

$ 11,694,228 $ 144,286 2.49% $ 9,522,800 $ 131,252 2.78%

Savings deposits 1,298,370 1,820 0.28% 1,069,134 1,743 0.33%

Time deposits 3,672,555 64,152 3.52% 2,941,920 58,312 3.99%

Total interest-bearing deposits 16,665,153 210,258 2.54% 13,533,854 191,307 2.85%

Borrowed funds 931,871 21,989 4.74% 797,714 19,865 5.00%

Total interest-bearing liabilities 17,597,024 232,247 2.66% 14,331,568 211,172 2.97%

Noninterest-bearing deposits 5,063,710 4,326,445

Other liabilities 296,952 229,098

Shareholders’ equity 3,869,989 3,221,773

Total liabilities and shareholders’ equity $ 26,827,675 $ 22,108,884

Net interest income/ net interest margin (FTE) $ 456,081 3.85% $ 360,149 3.68%

Cost of funding 2.07% 2.28%

Cost of total deposits 1.95% 2.16%

(1) Interest income and weighted average yields on tax-exempt loans and securities have been computed on a fully tax equivalent basis assuming a federal tax rate of 21%.

(2) Interest-bearing demand deposits include interest-bearing transactional accounts and money market deposits.

Loan Portfolio

(Dollars in thousands) As of

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025

Loan Portfolio:

Real estate - 1-4 family mortgage $ 4,568,039 $ 4,584,118 $ 4,635,033 $ 4,642,657 $ 4,648,443

Construction and Land Development 2,009,664 1,898,629 1,905,636 1,990,657 1,795,197

Commercial Real Estate - Non-Owner Occupied 6,123,500 6,135,543 6,245,480 6,120,677 5,953,135

Commercial Real Estate - Owner Occupied 3,332,728 3,357,965 3,334,664 3,321,186 3,288,005

Commercial and Industrial 3,063,069 2,895,477 2,818,326 2,834,669 2,756,491

Consumer 99,172 103,516 107,900 115,675 122,176

Total loans $ 19,196,172 $ 18,975,248 $ 19,047,039 $ 19,025,521 $ 18,563,447

Credit Quality and Allowance for Credit Losses on Loans

(Dollars in thousands) As of

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025

Nonperforming Assets:

Nonaccruing loans $ 186,432 $ 197,515 $ 175,730 $ 170,756 $ 137,999

Loans 90 days or more past due 51 2,779 288 792 3,860

Total nonperforming loans 186,483 200,294 176,018 171,548 141,859

Other real estate owned 15,571 12,954 15,191 10,578 11,750

Total nonperforming assets $ 202,054 $ 213,248 $ 191,209 $ 182,126 $ 153,609

Criticized Loans

Classified loans $ 336,816 $ 349,068 $ 359,235 $ 392,721 $ 333,626

Special Mention loans 173,401 176,345 201,428 219,792 159,931

Criticized loans $ 510,217 $ 525,413 $ 560,663 $ 612,513 $ 493,557

Allowance for credit losses on loans $ 296,008 $ 295,862 $ 293,955 $ 297,591 $ 290,770

Net loan charge-offs $ 2,770 $ 2,317 $ 9,109 $ 4,339 $ 12,054

Annualized net loan charge-offs / average loans 0.06 % 0.05 % 0.19 % 0.09 % 0.26 %

Nonperforming loans / total loans 0.97 1.06 0.92 0.90 0.76

Nonperforming assets / total assets 0.75 0.79 0.71 0.68 0.58

Allowance for credit losses on loans / total loans 1.54 1.56 1.54 1.56 1.57

Allowance for credit losses on loans / nonperforming loans 158.73 147.71 167.00 173.47 204.97

Criticized loans / total loans 2.66 2.77 2.94 3.22 2.66

CONFERENCE CALL INFORMATION:

A live audio webcast of a conference call with analysts will be available beginning at 10:00 AM Eastern Time (9:00 AM Central Time) on Wednesday, July 29, 2026.

The webcast is accessible through Renasant’s investor relations website at www.renasant.com or https://event.choruscall.com/mediaframe/webcast.html?webcastid=ATOn3Pcb. To access the conference via telephone, dial 1-877-513-1143 in the United States and request the Renasant Corporation 2026 Second Quarter Earnings Webcast and Conference Call. International participants should dial 1-412-902-4145 to access the conference call.

The webcast will be archived on www.renasant.com after the call and will remain accessible for one year. A replay can be accessed via telephone by dialing 1-855-669-9658 in the United States and entering conference number 8054019 or by dialing 1-412-317-0088 internationally and entering the same conference number. Telephone replay access is available until August 12, 2026.

ABOUT RENASANT CORPORATION:

Renasant Corporation is the parent of Renasant Bank, a 122-year-old financial services institution. Renasant has assets of approximately $27.0 billion and operates 279 banking, lending, mortgage and wealth management offices throughout the Southeast and also offers factoring and asset-based lending on a nationwide basis.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS:

Important factors currently known to management that could cause the Company’s actual results to differ materially from those in forward-looking statements include the following: (i) the Company’s ability to efficiently integrate acquisitions into its operations, retain the customers of these businesses, grow the acquired operations and realize the cost savings expected from an acquisition to the extent and in the timeframe anticipated by management (including the possibility that such cost savings will not be realized when expected, or at all, as a result of the impact of, or challenges arising from, the integration of the acquired assets and assumed liabilities into the Company, potential adverse reactions or changes to business or employee relationships, or as a result of other unexpected factors or events); (ii) potential exposure to unknown or contingent risks and liabilities the Company has acquired or may acquire; (iii) the effect of economic conditions and interest rates on a national, regional or international basis; (iv) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (v) the Company’s ability to remediate the material weakness in its internal control over financial reporting identified in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (vii) the financial resources of, and products available from, competitors; (viii) changes in laws and regulations as well as changes in accounting standards; (ix) changes in governmental and regulatory policy, whether applicable specifically to financial institutions or impacting the United States generally (such as, for example, changes in trade policy); (x) changes in the securities and foreign exchange markets; (xi) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (xii) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of the Company’s investment securities portfolio;

(xiii) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xiv) changes in the sources and costs of the capital the Company uses to make loans and otherwise fund the Company’s operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xv) general economic, market or business conditions, including the impact of inflation; (xvi) changes in demand for loan and deposit products and other financial services; (xvii) concentrations of credit or deposit exposure; (xviii) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xix) losses resulting from fraudulent activity, including loan and deposit fraud and social engineering attacks targeting the Company’s customers, employees and third party vendors; (xx) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses, including as a result of sophisticated attacks using artificial intelligence (“AI”) and similar tools; (xxi) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxii) geopolitical conditions, including acts or threats of terrorism and actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad; (xxiii) the impact, extent and timing of technological changes, including the rapid development of AI technologies; and (xxiv) other circumstances, many of which are beyond management’s control.

Management believes that the assumptions underlying the Company’s forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described in the Company’s filings with the SEC from time to time, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC’s website at www.sec.gov.

NON-GAAP FINANCIAL MEASURES:

In addition to results presented in accordance with generally accepted accounting principles in the United States of America (“GAAP”), this press release and the presentation slides furnished to the SEC on the same Form 8-K as this release contain non-GAAP financial measures, namely, (i) adjusted loan yield, (ii) adjusted net interest income and margin, (iii) pre-provision net revenue (including on an as-adjusted basis), (iv) adjusted net revenue and net income, (v) adjusted diluted earnings per share, (vi) tangible book value per share, (vii) the tangible common equity ratio, (viii) the adjusted return on average assets and on average equity and certain other performance ratios (namely, the ratio of pre-provision net revenue to average assets and the return on average tangible assets and on average tangible common equity (including each of the foregoing on an as-adjusted basis)), (ix) adjusted noninterest expense, and (x) the adjusted efficiency ratio.

These non-GAAP financial measures adjust GAAP financial measures to exclude intangible assets, including related amortization, and/or certain gains or charges, with respect to which the Company is unable to accurately predict when these charges will be incurred or, when incurred, the amount thereof. Management uses these non-GAAP financial measures when evaluating capital utilization and adequacy. In addition, the Company believes that these non-GAAP financial measures facilitate the making of period-to-period comparisons and are meaningful indicators of its operating performance, particularly because these measures are widely used by industry analysts for companies with merger and acquisition activities. Also, because intangible assets such as goodwill and the core deposit intangible can vary extensively from company to company and, as to intangible assets, are excluded from the calculation of a financial institution’s regulatory capital, the Company believes that the presentation of this non-GAAP financial information allows readers to more easily compare the Company’s results to information provided in other regulatory reports and the results of other companies. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are included in the tables below.

None of the non-GAAP financial information that the Company has included in this release or the accompanying presentation slides are intended to be considered in isolation or as a substitute for any measure prepared in accordance with GAAP. Investors should note that, because there are no standardized definitions for the calculations as well as the results, the Company’s calculations may not be comparable to similarly titled measures presented by other companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider its consolidated financial statements in their entirety and not to rely on any single financial measure.

Non-GAAP Reconciliations

(Dollars in thousands, except per share data) Three Months Ended Six Months Ended

Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2025 Jun 30, 2026 Jun 30, 2025

Adjusted Pre-Provision Net Revenue (“PPNR”)

Net income (GAAP) $ 87,091 $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 175,319 $ 42,536

Income taxes 21,553 22,195 17,885 15,478 1,649 43,748 12,097

Provision for credit losses (including unfunded commitments) 3,799 8,080 10,935 10,450 81,322 11,879 86,072

Pre-provision net revenue (non-GAAP) $ 112,443 $ 118,503 $ 107,768 $ 85,716 $ 83,989 $ 230,946 $ 140,705

Merger and conversion related expenses — — 10,567 17,494 20,479 — 21,270

Gain on sales of MSR — (209) — — (1,467) (209) (1,467)

Adjusted pre-provision net revenue (non-GAAP) $ 112,443 $ 118,294 $ 118,335 $ 103,210 $ 103,001 $ 230,737 $ 160,508

Adjusted Net Income and Adjusted Tangible Net Income

Net income (GAAP) $ 87,091 $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 175,319 $ 42,536

Amortization of intangibles 8,370 8,220 8,465 8,674 8,884 16,590 9,964

Tax effect of adjustments noted above(1)

(2,084) (2,047) (2,112) (2,164) (2,212) (4,131) (2,481)

Tangible net income (non-GAAP) $ 93,377 $ 94,401 $ 85,301 $ 66,298 $ 7,690 $ 187,778 $ 50,019

Net income (GAAP) $ 87,091 $ 88,228 $ 78,948 $ 59,788 $ 1,018 $ 175,319 $ 42,536

Merger and conversion related expenses — — 10,567 17,494 20,479 — 21,270

Day 1 acquisition provision for loan losses — — — — 62,190 — 62,190

Day 1 acquisition provision for unfunded commitments — — — — 4,422 — 4,422

Gain on sales of MSR — (209) — — (1,467) (209) (1,467)

Tax effect of adjustments noted above(1)

— 52 (2,636) (4,365) (20,765) 52 (20,964)

Adjusted net income (non-GAAP) $ 87,091 $ 88,071 $ 86,879 $ 72,917 $ 65,877 $ 175,162 $ 107,987

Amortization of intangibles 8,370 8,220 8,465 8,674 8,884 16,590 9,964

Tax effect of adjustments noted above(1)

(2,084) (2,047) (2,112) (2,164) (2,212) (4,131) (2,481)

Adjusted tangible net income (non-GAAP) $ 93,377 $ 94,244 $ 93,232 $ 79,427 $ 72,549 $ 187,621 $ 115,470

Tangible Assets and Tangible Shareholders’ Equity

Average shareholders’ equity (GAAP)

$ 3,851,601 $ 3,888,581 $ 3,849,791 $ 3,794,996 $ 3,745,051 $ 3,869,989 $ 3,221,773

Average intangible assets (1,546,924) (1,548,244) (1,563,189) (1,578,846) (1,589,490) (1,547,581) (1,297,622)

Average tangible shareholders’ equity (non-GAAP)

$ 2,304,677 $ 2,340,337 $ 2,286,602 $ 2,216,150 $ 2,155,561 $ 2,322,408 $ 1,924,151

Average assets (GAAP) $ 26,800,293 $ 26,855,360 $ 26,693,539 $ 26,456,596 $ 26,182,865 $ 26,827,675 $ 22,108,884

Average intangible assets (1,546,924) (1,548,244) (1,563,189) (1,578,846) (1,589,490) (1,547,581) (1,297,622)

Average tangible assets (non-GAAP) $ 25,253,369 $ 25,307,116 $ 25,130,350 $ 24,877,750 $ 24,593,375 $ 25,280,094 $ 20,811,262

Shareholders’ equity (GAAP)

$ 3,871,378 $ 3,866,918 $ 3,884,905 $ 3,825,778 $ 3,778,854 $ 3,871,378 $ 3,778,854

Intangible assets (1,555,560) (1,545,059) (1,552,452) (1,566,788) (1,583,533) (1,555,560) (1,583,533)

Tangible shareholders’ equity (non-GAAP)

$ 2,315,818 $ 2,321,859 $ 2,332,453 $ 2,258,990 $ 2,195,321 $ 2,315,818 $ 2,195,321

Total assets (GAAP) $ 27,004,999 $ 27,107,274 $ 26,751,426 $ 26,726,165 $ 26,624,975 $ 27,004,999 $ 26,624,975

Intangible assets (1,555,560) (1,545,059) (1,552,452) (1,566,788) (1,583,533) (1,555,560) (1,583,533)

Total tangible assets (non-GAAP) $ 25,449,439 $ 25,562,215 $ 25,198,974 $ 25,159,377 $ 25,041,442 $ 25,449,439 $ 25,041,442

Adjusted Performance Ratios

Return on average assets (GAAP) 1.30 % 1.33 % 1.17 % 0.90 % 0.02 % 1.32 % 0.39 %

Adjusted return on average assets (non-GAAP) 1.30 1.33 1.29 1.09 1.01 1.32 0.98

Return on average tangible assets (non-GAAP) 1.48 1.51 1.35 1.06 0.13 1.50 0.48

Pre-provision net revenue to average assets (non-GAAP) 1.68 1.79 1.60 1.29 1.29 1.74 1.28

Adjusted pre-provision net revenue to average assets (non-GAAP) 1.68 1.79 1.76 1.55 1.58 1.73 1.46

Adjusted return on average tangible assets (non-GAAP) 1.48 1.51 1.47 1.27 1.18 1.50 1.12

Return on average equity (GAAP) 9.07 9.20 8.14 6.25 0.11 9.14 2.66

Adjusted return on average equity (non-GAAP) 9.07 9.19 8.95 7.62 7.06 9.13 6.76

Return on average tangible equity (non-GAAP) 16.25 16.36 14.80 11.87 1.43 16.30 5.24

Adjusted return on average tangible equity (non-GAAP) 16.25 16.33 16.18 14.22 13.50 16.29 12.10

Adjusted Diluted Earnings Per Share

Average diluted shares outstanding 92,220,282 94,228,343 95,172,380 95,284,603 95,136,160 93,219,350 79,671,775

Diluted earnings per share (GAAP) $ 0.94 $ 0.94 $ 0.83 $ 0.63 $ 0.01 $ 1.88 $ 0.53

Adjusted diluted earnings per share (non-GAAP) $ 0.94 $ 0.93 $ 0.91 $ 0.77 $ 0.69 $ 1.88 $ 1.36

Tangible Book Value Per Share

Shares outstanding 91,403,230 92,881,329 94,636,207 95,020,881 95,019,311 91,403,230 95,019,311

Book value per share (GAAP) $ 42.35 $ 41.63 $ 41.05 $ 40.26 $ 39.77 $ 42.35 $ 39.77

Tangible book value per share (non-GAAP) $ 25.34 $ 25.00 $ 24.65 $ 23.77 $ 23.10 $ 25.34 $ 23.10

Tangible Common Equity Ratio

Shareholders’ equity to assets (GAAP) 14.34 % 14.27 % 14.52 % 14.31 % 14.19 % 14.34 % 14.19 %

Tangible common equity ratio (non-GAAP) 9.10 % 9.08 % 9.26 % 8.98 % 8.77 % 9.10 % 8.77 %

Adjusted Efficiency Ratio

Net interest income (FTE) (GAAP) $ 227,657 $ 228,424 $ 232,361 $ 228,131 $ 222,717 $ 456,081 $ 360,149

Total noninterest income (GAAP) $ 51,190 $ 50,272 $ 51,125 $ 46,026 $ 48,334 $ 101,462 $ 84,729

Gain on sales of MSR — (209) — — (1,467) (209) (1,467)

Total adjusted noninterest income (non-GAAP) $ 51,190 $ 50,063 $ 51,125 $ 46,026 $ 46,867 $ 101,253 $ 83,262

Noninterest expense (GAAP) $ 161,501 $ 155,328 $ 170,750 $ 183,830 $ 183,204 $ 316,829 $ 297,080

Amortization of intangibles (8,370) (8,220) (8,465) (8,674) (8,884) — (16,590) (9,964)

Merger and conversion expense — — (10,567) (17,494) (20,479) — (21,270)

Total adjusted noninterest expense (non-GAAP) $ 153,131 $ 147,108 $ 151,718 $ 157,662 $ 153,841 $ 300,239 $ 265,846

Efficiency ratio (GAAP) 57.92 % 55.73 % 60.23 % 67.05 % 67.59 % 56.83 % 66.78 %

Adjusted efficiency ratio (non-GAAP) 54.92 % 52.82 % 53.52 % 57.51 % 57.07 % 53.87 % 59.95 %

Adjusted Net Interest Income and Adjusted Net Interest Margin

Net interest income (FTE) (GAAP) $ 227,657 $ 228,424 $ 232,361 $ 228,131 $ 222,717 $ 456,081 $ 360,149

Net interest income collected on problem loans (1,166) (210) (2,767) (664) (2,779) (1,376) (3,805)

Accretion recognized on purchased loans (12,327) (15,248) (13,632) (16,862) (17,834) (27,575) (18,392)

Amortization recognized on purchased time deposits — — — 2,995 4,396 — 4,396

Amortization recognized on purchased long term borrowings 336 336 335 837 1,072 672 1,072

Adjustments to net interest income $ (13,157) $ (15,122) $ (16,064) $ (13,694) $ (15,145) $ (28,279) $ (16,729)

Adjusted net interest income (FTE) (non-GAAP) $ 214,500 $ 213,302 $ 216,297 $ 214,437 $ 207,572 $ 427,802 $ 343,420

Net interest margin (FTE) (GAAP) 3.83 % 3.87 % 3.89 % 3.85 % 3.85 % 3.85 % 3.68 %

Adjusted net interest margin (FTE) (non-GAAP) 3.61 % 3.61 % 3.62 % 3.62 % 3.58 % 3.61 % 3.51 %

Adjusted Loan Yield

Loan interest income (FTE) (GAAP) $ 300,112 $ 299,125 $ 309,667 $ 311,903 $ 304,834 $ 599,237 $ 504,338

Net interest income collected on problem loans (1,166) (210) (2,767) (664) (2,779) (1,376) (3,805)

Accretion recognized on purchased loans (12,327) (15,248) (13,632) (16,862) (17,834) (27,575) (18,392)

Adjusted loan interest income (FTE) (non-GAAP) $ 286,619 $ 283,667 $ 293,268 $ 294,377 $ 284,221 $ 570,286 $ 482,141

Loan yield (GAAP) 6.31 % 6.37 % 6.45 % 6.60 % 6.63 % 6.34 % 6.47 %

Adjusted loan yield (non-GAAP) 6.03 % 6.04 % 6.11 % 6.23 % 6.18 % 6.04 % 6.18 %

(1) Tax effect is calculated based on the respective legal entity’s appropriate federal and state tax rates (as applicable) for the period, and includes the estimated impact of both current and deferred tax expense.

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EX-99.2

Filename: rnstq22026earningsdeck.htm · Sequence: 3

rnstq22026earningsdeck

Second Quarter 2026 Earnings Call

Forward-Looking Statements This presentation may contain various statements about Renasant Corporation (“Renasant,” the “Company,” “we,” “our,” or “us”) that constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words “believes,” “expects,” “projects,” “anticipates,” “intends,” “estimates,” “plans,” “potential,” “focus,” “possible,” “may increase,” “may fluctuate,” “will likely result,” or similar expressions, or future or conditional verbs such as “will,” “should,” “would” and “could,” are generally forward-looking in nature and not historical facts. Forward-looking statements include information about our future financial performance, business strategy, projected plans and objectives and are based on the current beliefs and expectations of management. We believe these forward-looking statements are reasonable, but they are all inherently subject to significant business, economic and competitive risks and uncertainties, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions about future business strategies and decisions that are subject to change. Actual results may differ from those indicated or implied in the forward-looking statements; such differences may be material. Prospective investors are cautioned that any forward-looking statements are not guarantees of future performance and involve risks and uncertainties. Investors should not place undue reliance on these forward-looking statements, which speak only as of the date they are made. Important factors currently known to management that could cause the Company’s actual results to differ materially from those in forward-looking statements include the following: (i) the Company’s ability to efficiently integrate acquisitions into its operations, retain the customers of these businesses, grow the acquired operations and realize the cost savings expected from an acquisition to the extent and in the timeframe anticipated by management (including the possibility that such cost savings will not be realized when expected, or at all, as a result of the impact of, or challenges arising from, the integration of the acquired assets and assumed liabilities into the Company, potential adverse reactions or changes to business or employee relationships, or as a result of other unexpected factors or events); (ii) potential exposure to unknown or contingent risks and liabilities the Company has acquired or may acquire; (iii) the effect of economic conditions and interest rates on a national, regional or international basis; (iv) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (v) our ability to remediate the material weakness in the Company’s internal control over financial reporting identified in the Company’s Annual Report on Form 10-K for the year ended December 1, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (vii) the financial resources of, and products available from, competitors; (viii) changes in laws and regulations as well as changes in accounting standards; (ix) changes in governmental and regulatory policy, whether applicable specifically to financial institutions or impacting the United States generally (such as, for example, changes in trade policy); (x) changes in the securities and foreign exchange markets; (xi) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (xii) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of the Company’s investment securities portfolio; (xiii) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xiv) changes in the sources and costs of the capital the Company uses to make loans and otherwise fund the Company’s operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xv) general economic, market or business conditions, including the impact of inflation; (xvi) changes in demand for loan and deposit products and other financial services; (xvii) concentrations of credit or deposit exposure; (xviii) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xix) losses resulting from fraudulent activity, including loan and deposit fraud and social engineering attacks targeting our customers, employees and third party vendors; (xx) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses, including as a result of sophisticated attacks using artificial intelligence (“AI”) and similar tools; (xxi) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxii) geopolitical conditions, including acts or threats of terrorism and actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad; (xxiii) the impact, extent and timing of technological changes, including the rapid development of AI technologies; and (xxiv) other circumstances, many of which are beyond management’s control. Management believes that the assumptions underlying our forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described in Renasant’s filings with the SEC from time to time, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC’s website at www.sec.gov. We undertake no obligation, and specifically disclaim any obligation, to update or revise our forward-looking statements, whether as a result of new information or to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time, except as required by federal securities laws. 2

Loans TN 12% MS 25% AL 22% FL 11% LA 5% GA 25% Deposits TN 8% MS 40% AL 14%FL 8% LA 3% GA 27% * Overview * Republic Business Credit operates on a nationwide basis. Locations in California, Illinois and Texas are not shown. Snapshot Footprint Loans and Deposits by State(1) Note: As of June 30, 2026 (1) As determined by the office or branch of origination 3 Assets: $27.0 billion Loans: 19.2 Deposits: 21.7 Equity: 3.9

Second Quarter Highlights • Net income was $87.1 million with both diluted EPS and adjusted diluted EPS (non-GAAP)(1) of $0.94 • Net interest margin was 3.83%, down 4 basis points linked quarter; adjusted net interest margin (non-GAAP)(1) was flat at 3.61% • Loans increased $220.9 million, or 4.7% annualized. Included in this increase is a $58.3 million loan portfolio that Renasant Bank’s subsidiary, Republic Business Credit, acquired during the quarter • Deposits decreased $398.4 million linked quarter. Seasonal outflows in public fund deposits contributed $367.7 million of the decrease. Noninterest bearing deposits decreased $145.4 million linked quarter; noninterest-bearing deposits represented 23.2% of total deposits at June 30, 2026 • Loan yield decreased 6 basis points; adjusted loan yield (non-GAAP)(1) decreased 1 basis point • Cost of total deposits increased 2 basis points to 1.96% • The ratio of the allowance for credit losses on loans to total loans decreased 2 basis points to 1.54% linked quarter • Net loan charge-offs for the second quarter of 2026 were $2.8 million, or 0.06% annualized • Nonperforming loans represented 0.97% of total loans, a decrease of 9 basis points linked quarter, and criticized loans to total loans decreased 11 basis points to 2.66% linked quarter (1) Adjusted diluted EPS, Adjusted net interest margin, Adjusted loan yield, Adjusted ROAA, ROATCE, Adjusted ROATCE and Adjusted efficiency ratio are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. 4 Net Income $87.1 million Diluted EPS 0.94 Adjusted Diluted EPS (non-GAAP)(1) 0.94 Net Interest Margin 3.83% Adjusted Net Interest Margin (non- GAAP)(1) 3.61 Return on Average Assets (“ROAA”) 1.30 Adjusted ROAA (non-GAAP)(1) 1.30 Return on Average Tangible Equity (“ROATCE”) (non-GAAP)(1) 16.25 Adjusted ROATCE (non-GAAP)(1) 16.25 Efficiency Ratio 57.92 Adjusted Efficiency Ratio (non-GAAP)(1) 54.92

$26,625 $26,726 $26,751 $27,107 $27,005 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $18,563 $19,026 $19,047 $18,975 $19,196 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $21,583 $21,425 $21,473 $22,099 $21,701 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $3,779 $3,826 $3,885 $3,867 $3,871 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Balance Sheet Assets ($mm) Loans ($mm) Deposits ($mm) Equity ($mm) 5

(1) Includes money market deposits (2) Excludes time deposits and public fund deposits Composition ($000s) Quarter Highlights $21,701,052 $22,099,484 $21,473,070 $21,424,555 $21,582,637 Noninterest-bearing Interest-bearing Savings Time 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 Deposit Funding • Deposits declined $398.4 million in 2Q 2026 primarily due to the seasonal outflow of public fund deposits of $367.7 million • Noninterest-bearing deposits: 23.2% of total deposits • Average deposit account balance: $36,376 • Average commercial account balance: $87,498(2) • Average consumer account balance: $14,563(2) • Top 20 depositors: 3.9% of total deposits(2) Customer Mix 45% 44% 44% 44% 50% 38% 37% 38% 39% 31% 17% 19% 18% 17% 19% Consumer Commercial Public Funds 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 2.12% 2.14% 1.97% 1.94% 1.96% 2.82% 2.83% 2.60% 2.54% 2.55% Total cost of deposits Cost of total interest-bearing deposits 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Cost of Deposits 6 (1)

Cash and Securities to Total Assets Loans to Deposits Average Interest Earning Asset Mix (2Q 2026) 18.5% 17.4% 17.4% 18.6% 17.4% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 86% 89% 89% 86% 88% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 80% 1% 16% 3% Loans Held for Investment Loans Held for Sale Securities Interest Bearing Balances With Banks Liquidity Position 7

14.19% 14.31% 14.52% 14.27% 14.34% 8.77% 8.98% 9.26% 9.08% 9.10% Shareholders' equity to assets Tangible common equity ratio (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 11.08% 11.04% 11.24% 11.22% 11.06% 14.97% 14.88% 14.78% 14.77% 15.94% Common equity tier 1 capital ratio Total risk-based capital ratio 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Quarter Highlights • During the second quarter of 2026, the Company repurchased $60.0 million of common stock at a weighted average price of $39.54 • Effective April 28, 2026, the Company’s quarterly cash dividend was increased to $0.24 per share. This represents a $0.01 increase from the dividend paid in the previous quarter • Effective April 28, 2026, the Company’s Board of Directors increased the amount authorized for repurchase under the Company's stock repurchase program by $100.0 million for a total of $250.0 million. As of June 30, 2026, $101.8 million in repurchase authorization remained available under the program • On May 7, 2026, the Company completed a subordinated debt offering, issuing $300.0 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 (1) Tangible Common Equity Ratio and Tangible Book Value are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. $39.77 $40.26 $41.05 $41.63 $42.35 $23.10 $23.77 $24.65 $25.00 $25.34 Book Value Tangible Book Value (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Capital Position Equity to Assets / Tangible Common Equity Ratio (non-GAAP)(1) Common Equity Tier 1 Ratio / Total Risk-based Capital Ratio Book Value / Tangible Book Value (non-GAAP)(1) 8 (1) (1)

QoQ Loans HFI Bridge ($mm) $18,975 $(16) $111 $(12) $(25) $167 $(4) $19,196 Q 1 2026 RE-1-4 Fam ily C&LD NO O CRE O O CRE C&I* Consum er Q 2 2026 Quarter Highlights • Loans increased $220.9 million linked quarter. Included in this increase is a $58.3 million loan portfolio that Renasant Bank’s subsidiary, Republic Business Credit, acquired during the quarter • Average loan balance: $326,094 24% 10% 32% 17% 16% 1% Real estate - 1-4 Family Mortgage Construction and Land Development Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Owner Occupied Commercial and Industrial Consumer Loan Composition 9 *Includes loans acquired through Republic Business Credit

$805 $950 $914 $609 $957 $730 $757 $806 $827 $901 Production* Advances 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $657 $587 $876 $813 $895 $567 $657 $706 $695 $742 Payoffs Paydowns 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $18,975 $957 $901 $(895) $(742) $19,196 1Q 2026 Production* Advances Payoffs Paydowns 2Q 2026 Loan Activity QoQ Loan Bridge ($mm) Production & Advance Trends ($mm) Payoff & Paydown Trends ($mm) 10 *Includes loans acquired through Republic Business Credit

$290,770 $297,591 $293,955 $295,862 $296,008 1.57% 1.56% 1.54% 1.56% 1.54% 0.26% 0.09% 0.19% 0.05% 0.06% ACL ACL / Loans Net Charge-offs / Average Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $493,557 $612,513 $560,663 $525,413 $510,217 2.66% 3.22% 2.94% 2.77% 2.66% Criticized Loans Criticized Loans / Total Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Asset Quality Criticized Loans ($000s)Allowance for Credit Losses & Net Charge-offs ($000s) 0.25% 0.26% 0.47% 0.36% 0.16% Loans 30-89 Past Due / Total Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Accruing Loans 30-89 Days Past DueQuarter Highlights • Average NPL balance: $305,709 • 99% of accruing criticized loans are current • Average criticized loan balance: $474,179 11

0.58% 0.68% 0.71% 0.79% 0.75% 0.76% 0.90% 0.92% 1.06% 0.97% NPAs / Total Assets NPLs / Total Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $66,429 $5,935 $45,749 $21,962 $46,224 $184 Real Estate 1-4 Family Mortgage Construction and Land Development Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Owner-Occupied Commercial and Industrial Consumer NPLs by Loan Category ($000s) Asset Quality (cont.) Nonperforming Loans & Nonperforming Assets $141,859 $171,548 $176,018 $200,294 $186,483 205% 173% 167% 148% 159% Nonperforming Loans ACL / Nonperforming Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Nonperforming Loans ($000s) 12

$0.01 $0.63 $0.83 $0.94 $0.94 $0.69 $0.77 $0.91 $0.93 $0.94 Diluted EPS (GAAP) Adjusted Diluted EPS (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $222.7 $228.1 $232.4 $228.4 $227.7 $207.6 $214.4 $216.3 $213.3 $214.5 Net interest income (FTE) Adjusted net interest income (FTE) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Note: Dollars in millions except per share amounts. (1) Adjusted Diluted EPS, Adjusted Net Income, Adjusted Net Interest Income (FTE), PPNR and Adjusted PPNR are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. $84.0 $85.7 $107.8 $118.5 $112.4 $103.0 $103.2 $118.3 $118.3 $112.4 PPNR (non-GAAP) Adjusted PPNR (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $1.0 $59.8 $78.9 $88.2 $87.1 $65.9 $72.9 $86.9 $88.1 $87.1 Net Income Adjusted Net Income (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Profitability Diluted EPS / Adjusted Diluted EPS (non-GAAP)(1) Net Income / Adjusted Net Income (non-GAAP)(1) PPNR (non-GAAP)(1) / Adjusted PPNR (Non-GAAP)(1)Net Interest Income (FTE) / Adjusted Net Interest Income (FTE) (Non-GAAP)(1) 13 (1) (1) (1) (1) (1)

(1) Adjusted ROAA, Adjusted ROTCE, PPNR/Average Assets and Adjusted PPNR/Average Assets are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. 0.02% 0.90% 1.17% 1.33% 1.30% 1.01% 1.09% 1.29% 1.33% 1.30% ROAA (GAAP) ROAA (Adjusted) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 0.11% 6.25% 8.14% 9.20% 9.07% 13.50% 14.22% 16.18% 16.33% 16.25% ROAE (GAAP) ROTCE (Adjusted) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 1.29% 1.29% 1.60% 1.79% 1.68% 1.58% 1.55% 1.76% 1.79% 1.68% PPNR/Average Assets (non-GAAP) Adjusted PPNR/Average Assets (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Profitability Ratios ROAA / Adjusted ROAA (non-GAAP)(1) ROAE / Adjusted ROTCE (non-GAAP)(1) PPNR (non-GAAP)(1) / Adjusted PPNR Ratios (non-GAAP)(1) 14 (1) (1) (1) (1)

3.85% 3.85% 3.89% 3.87% 3.83% 3.58% 3.62% 3.62% 3.61% 3.61% Net Interest Margin Adjusted Net Interest Margin (FTE) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 (1) Adjusted Net Interest Margin (FTE) and Adjusted Loan Yield are non-GAAP financial measures. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. 6.63% 6.60% 6.45% 6.37% 6.31% 6.18% 6.23% 6.11% 6.04% 6.03% Loan yield Adjusted Loan Yield (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 • Scheduled accretion and accelerated accretion recognized on acquired loans were $9.7 million and $2.7 million, respectively, for the second quarter of 2026, which included scheduled credit accretion and accelerated credit accretion of $3.1 million and $1.3 million, respectively • Accelerated bond discount accretion contributed $2.7 million to net interest income in the second quarter Net Interest Margin (FTE) and Loan Yield Net Interest Margin (FTE) / Adjusted Net Interest Margin (FTE) (non-GAAP)(1) Loan Yield / Adjusted Loan Yield (non-GAAP)(1) Adjusted Net Interest Margin (FTE) (non-GAAP)(1) Bridge Accretion 3.61 0.01 0.03 (0.04) 3.61 1Q2026 Loans Other Earning Assets IB Liabilities 2Q2026 15 (1) (1)

• Noninterest income increased $0.9 million linked quarter • New loan fees associated with Republic Business Credit’s portfolio acquisition during the second quarter provided an increase in fees and commissions • Life insurance proceeds during the second quarter drove an increase in BOLI income $51,190 $50,272 $51,125 $46,026 $48,334 Service charges Fees and commissions Wealth management Mortgage banking BOLI Other 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 Noninterest Income Composition ($000s) Quarter Highlights 16

• Noninterest expense increased $6.2 million linked quarter, driven primarily by deferred compensation accruals tied to market valuations, higher health insurance claims and annual merit increases Quarter Highlights 57.07% 57.51% 53.52% 52.82% 54.92% 67.59% 67.05% 60.23% 55.73% 57.92% Efficiency Ratio Adjusted efficiency ratio (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $161,501 $155,328 $170,750 $183,830 $183,204 Salaries and employee benefits Data processing Net occupancy and equipment Advertising and public relations Merger and conversion expenses Intangible amortization Other 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 Noninterest Expense Efficiency Ratio Composition ($000s) (1) Adjusted Efficiency Ratio is a non-GAAP financial measure. A reconciliation of GAAP to non-GAAP financial measures is included in the earnings release furnished to the SEC on the same Form 8-K as this presentation under the heading “Non-GAAP Reconciliations”. 17 (1)

Appendix

(Dollars in millions) Repricing Term(1) Rate Structure Total Loans 3 mos or less 3-12 mos 1-3 years 3-5 years 5-15 years Over 15 years Total Variable Fixed Commercial and Industrial $ 2,024 $ 193 $ 286 $ 389 $ 169 $ 2 $ 3,063 $ 2,045 $ 1,018 Commercial Real Estate - Owner-Occupied 1,299 225 564 767 439 39 3,333 1,432 1,901 Commercial Real Estate - Non-Owner Occupied 3,527 444 1,060 731 349 12 6,123 3,698 2,425 Construction and Land Development 1,486 76 83 228 91 46 2,010 1,555 455 Real Estate 1-4 Family Mortgage 1,033 272 457 567 796 1,443 4,568 2,599 1,969 Consumer 25 20 30 18 6 — 99 17 82 Total $ 9,394 $ 1,230 $ 2,480 $ 2,700 $ 1,850 $ 1,542 $ 19,196 $ 11,346 $ 7,850 Weighted Average Rate - Fixed 5.2 % 5.0 % 5.8 % 6.2 % 4.6 % 5.5 % 5.5 % Weighted Average Rate - Variable 6.5 % 6.0 % 5.4 % 5.7 % 5.5 % 4.8 % 6.3 % % Fixed 4.6 % 74.0 % 82.6 % 81.6 % 65.2 % 68.0 % 40.9 % % Variable 95.4 % 26.0 % 17.4 % 18.4 % 34.8 % 32.0 % 59.1 % Note: As of June 30, 2026 (1) Based on maturity date for fixed rate loans and variable rate loans that are at their floor or ceiling Loan Repricing and Maturity 19

Note: As of June 30, 2026 Agency CMO 27% Agency MBS 34% Municipal 14% Agency CMBS 14% SBA 9% Other 2% • Amortized cost of $3.9 billion; GAAP value of $3.8 billion, which represents 14.2% of total assets • Duration of 3.5 years • 26% of portfolio HTM based on par value ◦ 10.3% of HTM are CRA investments ◦ 26.4% of HTM are Municipals • Unrealized losses in AOCI on securities totaled $148.7 million ($111.8 million, net of tax); unrealized losses in AOCI on HTM securities totaled $48.9 million ($36.5 million, net of tax) $3.9 Billion Securities Composition (Amortized Cost) Quarter Highlights 20

15% 22% 19% 10% 7% 7% 12% 5% 3% Warehouse/Industrial Retail Multi-family Self Storage Medical Office Office (non-medical) Hotel Senior Housing Other Quarter Highlights Note: As of June 30, 2026; LTV is calculated using the most recent appraisal available. (1) Based on commitment amount (2) Includes reserves for both loans evaluated collectively and those individually evaluated (Dollars in millions) Retail Multi-Family Warehouse/ Industrial Amount $1,370.8 $1,161.1 $952.5 Avg Loan Size(1) $1.5 $2.3 $2.5 Percent of Loans 7.1% 6.0% 5.0% Past Due or Nonaccrual 0.09% 0.10% 0.81% ACL Reserve(2) 0.84% 0.76% 0.85% WA LTV 54.5% 54.3% 52.3% Loans <75% LTV 88.0% 94.5% 96.9% Percent in Footprint 97.3% 99.8% 89.4% Q2 Loan Growth 4.7% (9.2)% 2.1% Commercial Real Estate - Non-owner Occupied $6.1 Billion Composition 31.9% $2.0 million 54.7% 0.01% 0.75% % of Loans Avg Loan Size(1) WA LTV 30-89 Days NPLs(2) 21

Note: As of June 30, 2026; LTV is calculated using the most recent appraisal available. (1) Based on commitment amount (2) Includes reserves for both loans evaluated collectively and those individually evaluated 21% 25% 10% 16% 4% 7% 7% 6% 2%1%1% 1-4 Family Land & Dev. Commercial Owner-Occupied Multi-family Office Retail Self Storage Warehouse / Industrial Hotels Other Senior Housing Amount ($mm) $2,009.7 Avg Loan Size ($mm)(1) $1.2 Percent of Loans 10.5% Past Due or Nonaccrual 0.41% ACL Reserve(2) 2.00% WA LTV 63.4% Loans <75% LTV 80.6% Percent in Footprint 98.8% Q2 Loan Growth 5.8% Construction and Land Development $2.0 Billion Composition Quarter Highlights 22

Quarterly ACL Changes $295,862 $5,573 $3,923 $(707) $(415) $(2,363) $(5,865) $296,008 1Q 2026 Balance Changes Q-Factor Changes Loss Rates Loan Credit Migration Net C/Os Other Individually Evaluated 2Q 2026 Note: Dollars in thousands (1) Includes Day One reserve for loans acquired through Republic Business Credit (2) Remaining Net Charge-offs are included in Other Individually Evaluated 23 (2) (1)

2Q 2025 1Q 2026 2Q 2026 Gain on sales of loans, net $ 5,316 $ 5,305 $ 4,760 Fees, net 3,740 2,842 3,470 Mortgage servicing income, net 2,207 1,288 948 Mortgage banking income, net $ 11,263 $ 9,435 $ 9,178 2Q 2025 1Q 2026 2Q 2026 Wholesale 33 42 32 Retail 67 58 68 Purchase 84 67 79 Refinance 16 33 21 $679.6 $590.2 $489.5 $542.3 $611.6 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 (1) Gain on sale margin excludes pipeline fair value adjustments and buyback reserve activity included in “Gain on sales of loans, net” in the table above 1.87% 1.32% 1.99% 1.85% 1.57% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Mortgage Banking Mortgage Banking Income ($000s) Mix (%) Locked Volume ($mm) Gain on Sale Margin(1) 24

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v3.26.1

Cover

Jul. 28, 2026

Cover [Abstract]

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8-K

Document Period End Date

Jul. 28, 2026

Registrant Name

RENASANT CORP

Entity Incorporation, State or Country Code

Entity File Number

001-13253

Entity Tax Identification Number

64-0676974

Entity Address, Address Line One

209 Troy Street

Entity Address, City or Town

Tupelo

Entity Address, State or Province

Entity Address, Postal Zip Code

38804-4827

City Area Code

662

Local Phone Number

680-1001

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false

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false

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Common stock, $5.00 par value per share

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RNST

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NYSE

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