Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2021

Mortgage Banking [Abstract]

Guidelines governing the classification of capital tiers

The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that bank holding companies and banks must maintain. Those guidelines specify capital tiers, which include the following classifications (which include the “capital conservation buffer” discussed below):

Capital Tiers	Tier 1 Capital to Average Assets (Leverage)	Common Equity Tier 1 to Risk - Weighted Assets	Tier 1 Capital to Risk – Weighted Assets	Total Capital to Risk – Weighted Assets
Well capitalized	5% or above	6.5% or above	8% or above	10% or above
Adequately capitalized	4% or above	4.5% or above	6% or above	8% or above
Undercapitalized	Less than 4%	Less than 4.5%	Less than 6%	Less than 8%
Significantly undercapitalized	Less than 3%	Less than 3%	Less than 4%	Less than 6%
Critically undercapitalized	Tangible Equity / Total Assets less than 2%

Capital and risk-based capital and leverage ratios

The following table provides the capital and risk-based capital and leverage ratios for the Company and for Renasant Bank as of December 31:

	2021				2020
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	1,422,077	9.15	%	$	1,306,597	9.37	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,314,295		11.18	%	1,199,394		10.93	%
Tier 1 Capital to Risk-Weighted Assets	1,422,077		12.10	%	1,306,597		11.91	%
Total Capital to Risk-Weighted Assets	1,897,167		16.14	%	1,653,694		15.07	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	1,580,904	10.18	%	$	1,369,994	9.83	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,580,904		13.46	%	1,369,994		12.49	%
Tier 1 Capital to Risk-Weighted Assets	1,580,904		13.46	%	1,369,994		12.49	%
Total Capital to Risk-Weighted Assets	1,697,163		14.44	%	1,504,985		13.73	%