8-K/A

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K/A

(Amendment No. 1)

CURRENT REPORT

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

October 24, 2023

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. ☐

Explanatory Note

This Amendment No. 1 to Current Report on Form 8-K/A (the “Amended Filing”) amends the Current Report on Form 8-K filed by Renasant Corporation (“Renasant”) with the Securities and Exchange Commission on October 24, 2023 (the “Original Filing”). The purposes of the Amended Filing is to furnish an amended version of Renasant’s press release issued October 24, 2023 (the “Amended Earnings Release”) and related presentation materials (the “Amended Presentation”), for the reasons described below.

Item 2.02. Results of Operations and Financial Condition.

Subsequent to the issuance of Renasant’s October 24, 2023 press release and related presentation materials, Renasant recorded an approximately $627 thousand debit to loan interest income (and a corresponding credit to other assets) relating to settlement payments with the counterparty on a cash flow hedge on a notional amount of $250 million in loans. The after-tax impact of this entry reduced Renasant’s diluted earnings per share for the quarter ended September 30, 2023 from $0.75 to $0.74. The cash flow hedge to which such entry relates had a forward-starting date of July 2023, meaning that settlement payments with the counterparty did not begin until the third quarter of 2023. Accordingly, no Renasant financial statements for periods prior to the third quarter of 2023 are affected by this entry or the accounting for this cash flow hedge.

In addition to Renasant’s diluted earnings per share for the third quarter of 2023, other amounts and ratios included in the October 24, 2023 earnings release and related presentation materials were impacted by the aforementioned entry. The Amended Filing furnishes the Amended Earnings Release as Exhibit 99.1 and the Amended Presentation as Exhibit 99.2, each of which reflect such entry and which replace in their entirety the press release and related presentation materials furnished as Exhibits 99.1 and 99.2, respectively, to the Original Filing.

Item 7.01. Regulation FD Disclosure

The information set forth above in Item 2.02 relating to the Amended Presentation is incorporated herein by reference.

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:

The Amended Earnings Release and the Amended Presentation 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,” and 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 our 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; (ii) the effect of economic conditions and interest rates on a national, regional or international basis; (iii) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (iv) competitive pressures in the consumer finance, commercial finance, insurance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (v) the financial resources of, and products available from, competitors; (vi) changes in laws and regulations as well as changes in accounting standards; (vii) changes in policy by regulatory agencies; (viii) changes in the securities and foreign exchange markets; (ix) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (x) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of our investment securities portfolio; (xi) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xii) changes in the sources and costs of the capital we use to make loans and otherwise fund our operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xiii) general economic, market or business conditions, including the impact of inflation; (xiv) changes in demand for loan products and financial services; (xv) concentration of deposit and credit exposure; (xvi) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xvii) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses; (xviii) civil unrest, natural disasters, epidemics (including the re-emergence of the COVID-19 pandemic) and other catastrophic events in the Company’s geographic area; (xix) the impact, extent and timing of technological changes; and (xx) other circumstances, many of which are beyond management’s control.

Management believes that the assumptions underlying Renasant’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 Renasant’s filings with the Securities and Exchange Commission (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.

Renasant 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    Amended press release issued by Renasant Corporation announcing earnings for the third quarter of 2023

99.2    Amended presentation materials for Renasant Third Quarter 2023 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: November 8, 2023	By:	/s/ C. Mitchell Waycaster
		C. Mitchell Waycaster
		Chief Executive Officer

EX-99.1

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 THIRD QUARTER OF 2023

TUPELO, MISSISSIPPI (October 24, 2023) - Renasant Corporation (NYSE: RNST) (the “Company”) today announced earnings results for the third quarter of 2023.

(Dollars in thousands, except earnings per share)	Three Months Ended			Nine Months Ended
	Sep 30, 2023	Jun 30, 2023	Sep 30, 2022	Sep 30, 2023	Sep 30, 2022
Net income and earnings per share:
Net income	$41,833	$28,643	$46,567	$116,554	$119,792
After-tax loss on sale of securities	—	(18,085)	—	(17,859)	—
Basic EPS	0.75	0.51	0.83	2.08	2.14
Diluted EPS	0.74	0.51	0.83	2.07	2.13
Impact to diluted EPS from loss on sale of securities	—	0.32	—	0.31	—
Adjusted diluted EPS (Non-GAAP)(1)	0.74	0.83	0.79	2.38	2.11

“We are pleased with our third quarter results of solid loan growth, good asset quality, an increase in core deposits and expense control,” remarked C. Mitchell Waycaster, Chief Executive Officer of the Company. “The Company’s focus remains on maintaining a strong balance sheet, and we believe we are well-positioned to take advantage of opportunities that may arise."

Quarterly Highlights

Earnings

•Net income for the third quarter of 2023 was $41.8 million with diluted EPS of $0.74

•Net interest income (fully tax equivalent) for the third quarter of 2023 was $130.1 million, down $3.0 million on a linked quarter basis

•For the third quarter of 2023, net interest margin was 3.36%, down 9 basis points on a linked quarter basis

•Cost of total deposits was 198 basis points for the third quarter of 2023, up 48 basis points on a linked quarter basis

•Noninterest income increased $21.0 million on a linked quarter basis. The Company recognized pre-tax losses of $22.4 million on securities sales in the second quarter of 2023 and used the sale proceeds to pay down FHLB borrowings. The Company’s wealth management and insurance lines of business continued to produce solid results during the third quarter of 2023

1

•The mortgage division generated $0.5 billion in interest rate lock volume in the third quarter of 2023. Gain on sale margin was 1.55% for the third quarter of 2023, down 11 basis points on a linked quarter basis

•Noninterest expense decreased $1.5 million on a linked quarter basis. Lower salaries and benefits and professional fees contributed to the decrease

Balance Sheet

•Loans increased $237.5 million on a linked quarter basis, which represents 7.9% annualized net loan growth

•The securities portfolio decreased $69.3 million on a linked quarter basis, due to net cash outflows during the quarter of $52.1 million and a negative fair market value adjustment in our available-for-sale portfolio of $17.2 million

•Deposits at September 30, 2023 increased $61.7 million on a linked quarter basis. Brokered deposits decreased $323 million on a linked quarter basis to $757 million at September 30, 2023. Noninterest bearing deposits decreased $144.8 million on a linked quarter basis and represented 26.4% of total deposits at September 30, 2023

Capital and Liquidity

•Book value per share and tangible book value per share (non-GAAP)(1) increased 1.1% and 2.2%, respectively, on a linked quarter basis

•The Company has a $100 million stock repurchase program that is in effect through October 2024; there was no buyback activity during the third quarter of 2023

Credit Quality

•The Company recorded a provision for credit losses on loans of $5.3 million and a recovery of credit losses on unfunded commitments (included in noninterest expense) of $0.7 million for the third quarter of 2023

•The ratio of allowance for credit losses on loans to total loans was stable at 1.63% at September 30, 2023

•The coverage ratio, or the allowance for credit losses on loans to nonperforming loans, was 282.24% at September 30, 2023, compared to 211.85% at June 30, 2023

•Net loan charge-offs for the third quarter of 2023 were $1.9 million, or 0.06% of average loans on an annualized basis

•Nonperforming loans to total loans decreased to 0.58% at September 30, 2023 compared to 0.77% at June 30, 2023 and criticized loans (which include classified and special mention loans) to total loans decreased to 2.27% at September 30, 2023, compared to 2.32% at June 30, 2023

(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.

2

Income Statement

(Dollars in thousands, except per share data)	Three Months Ended										Nine Months Ended
	Sep 30, 2023		Jun 30, 2023		Mar 31, 2023		Dec 31, 2022		Sep 30, 2022		Sep 30, 2023		Sep 30, 2022
Interest income
Loans held for investment	$	181,129	$	173,198	$	161,787	$	145,360	$	123,100	$	516,114	$	325,338
Loans held for sale	3,751		2,990		1,737		1,688		2,075		8,478		7,524
Securities	10,669		14,000		15,091		15,241		14,500		39,760		37,806
Other	10,128		6,978		5,430		2,777		3,458		22,536		6,076
Total interest income	205,677		197,166		184,045		165,066		143,133		586,888		376,744
Interest expense
Deposits	70,906		51,391		32,866		17,312		7,241		155,163		17,896
Borrowings	7,388		15,559		15,404		9,918		5,574		38,351		15,386
Total interest expense	78,294		66,950		48,270		27,230		12,815		193,514		33,282
Net interest income	127,383		130,216		135,775		137,836		130,318		393,374		343,462
Provision for credit losses	5,315		3,000		7,960		10,488		9,800		16,275		13,300
Net interest income after provision for credit losses	122,068		127,216		127,815		127,348		120,518		377,099		330,162
Noninterest income	38,200		17,226		37,293		33,395		41,186		92,719		115,858
Noninterest expense	107,669		109,165		107,708		101,582		101,574		324,542		293,873
Income before income taxes	52,599		35,277		57,400		59,161		60,130		145,276		152,147
Income taxes	10,766		6,634		11,322		12,885		13,563		28,722		32,355
Net income	$	41,833	$	28,643	$	46,078	$	46,276	$	46,567	$	116,554	$	119,792
Adjusted net income (non-GAAP)(1)	$	41,833	$	46,728	$	46,078	$	50,324	$	44,233	$	134,413	$	118,562
Adjusted pre-provision net revenue (“PPNR”) (non-GAAP)(1)	$	57,214	$	59,715	$	63,860	$	72,187	$	66,970	$	180,789	$	163,806
Basic earnings per share	$	0.75	$	0.51	$	0.82	$	0.83	$	0.83	$	2.08	$	2.14
Diluted earnings per share	0.74		0.51		0.82		0.82		0.83		2.07		2.13
Adjusted diluted earnings per share (non-GAAP)(1)	0.74		0.83		0.82		0.89		0.79		2.38		2.11
Average basic shares outstanding	56,138,618		56,107,881		56,008,741		55,953,104		55,947,214		56,085,556		55,888,226
Average diluted shares outstanding	56,523,887		56,395,653		56,270,219		56,335,446		56,248,720		56,393,957		56,169,886
Cash dividends per common share	$	0.22	$	0.22	$	0.22	$	0.22	$	0.22	$	0.66	$	0.66

(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.

3

Performance Ratios

	Three Months Ended										Nine Months Ended
	Sep 30, 2023		Jun 30, 2023		Mar 31, 2023		Dec 31, 2022		Sep 30, 2022		Sep 30, 2023		Sep 30, 2022
Return on average assets	0.96	%	0.66	%	1.09	%	1.11	%	1.11	%	0.90	%	0.96	%
Adjusted return on average assets (non-GAAP)(1)	0.96		1.08		1.09		1.20		1.05		1.04		0.95
Return on average tangible assets (non-GAAP)(1)	1.05		0.73		1.19		1.20		1.20		0.99		1.05
Adjusted return on average tangible assets (non-GAAP)(1)	1.05		1.18		1.19		1.30		1.14		1.13		1.04
Return on average equity	7.44		5.18		8.55		8.58		8.50		7.04		7.28
Adjusted return on average equity (non-GAAP)(1)	7.44		8.45		8.55		9.33		8.07		8.12		7.21
Return on average tangible equity (non-GAAP)(1)	13.95		9.91		16.29		15.98		15.64		13.35		13.32
Adjusted return on average tangible equity (non-GAAP)(1)	13.95		15.94		16.29		17.35		14.87		15.35		13.19
Efficiency ratio (fully taxable equivalent)	63.96		72.63		61.26		58.39		58.50		65.64		63.20
Adjusted efficiency ratio (non-GAAP)(1)	63.60		62.98		61.30		56.25		58.78		62.61		62.47
Dividend payout ratio	29.33		43.14		26.83		26.51		26.51		31.73		30.84

Capital and Balance Sheet Ratios

	As of
	Sep 30, 2023			Jun 30, 2023			Mar 31, 2023			Dec 31, 2022			Sep 30, 2022
Shares outstanding	56,140,713			56,132,478			56,073,658			55,953,104			55,953,104
Market value per share	$	26.19		$	26.13		$	30.58		$	37.59		$	31.28
Book value per share	39.78			39.35			39.01			38.18			37.39
Tangible book value per share (non-GAAP)(1)	21.76			21.30			20.92			20.02			20.12
Shareholders’ equity to assets	13.00		%	12.82		%	12.52		%	12.57		%	12.70		%
Tangible common equity ratio (non-GAAP)(1)	7.55			7.37			7.13			7.01			7.26
Leverage ratio	9.48			9.22			9.18			9.36			9.39
Common equity tier 1 capital ratio	10.46			10.30			10.19			10.21			10.64
Tier 1 risk-based capital ratio	11.25			11.09			10.98			11.01			11.47
Total risk-based capital ratio	14.91			14.76			14.68			14.63			15.15

(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.

4

Noninterest Income and Noninterest Expense

(Dollars in thousands)	Three Months Ended										Nine Months Ended
	Sep 30, 2023		Jun 30, 2023		Mar 31, 2023		Dec 31, 2022		Sep 30, 2022		Sep 30, 2023		Sep 30, 2022
Noninterest income
Service charges on deposit accounts	$	9,743	$	9,733	$	9,120	$	10,445	$	10,216	$	28,596	$	29,512
Fees and commissions	4,108		4,987		4,676		4,470		4,148		13,771		12,798
Insurance commissions	3,264		2,809		2,446		2,501		3,108		8,519		8,253
Wealth management revenue	5,986		5,338		5,140		5,237		5,467		16,464		17,102
Mortgage banking income	7,533		9,771		8,517		5,170		12,675		25,821		30,624
Net losses on sales of securities	—		(22,438)		—		—		—		(22,438)		—
BOLI income	2,469		2,402		3,003		2,487		2,296		7,874		6,780
Other	5,097		4,624		4,391		3,085		3,276		14,112		10,789
Total noninterest income	$	38,200	$	17,226	$	37,293	$	33,395	$	41,186	$	92,719	$	115,858
Noninterest expense
Salaries and employee benefits	$	69,458	$	70,637	$	69,832	$	67,372	$	66,463	$	209,927	$	194,282
Data processing	3,907		3,684		3,633		3,521		3,526		11,224		11,379
Net occupancy and equipment	11,548		11,865		11,405		11,122		11,266		34,818		33,697
Other real estate owned	(120)		51		30		(59)		34		(39)		(394)
Professional fees	3,338		4,012		3,467		2,856		3,087		10,817		9,016
Advertising and public relations	3,474		3,482		4,686		3,631		3,229		11,642		10,694
Intangible amortization	1,311		1,369		1,426		1,195		1,251		4,106		3,927
Communications	2,006		2,226		1,980		2,028		1,999		6,212		5,930
Merger and conversion related expenses	—		—		—		1,100		—		—		687
Restructuring charges	—		—		—		—		—		—		732
Other	12,747		11,839		11,249		8,816		10,719		35,835		23,923
Total noninterest expense	$	107,669	$	109,165	$	107,708	$	101,582	$	101,574	$	324,542	$	293,873

Mortgage Banking Income

(Dollars in thousands)	Three Months Ended										Nine Months Ended
	Sep 30, 2023		Jun 30, 2023		Mar 31, 2023		Dec 31, 2022		Sep 30, 2022		Sep 30, 2023		Sep 30, 2022
Gain on sales of loans, net	$	3,297	$	4,646	$	4,770	$	1,003	$	5,263	$	12,713	$	14,800
Fees, net	2,376		2,859		1,806		1,849		2,405		7,041		8,522
Mortgage servicing income, net	1,860		2,266		1,941		2,318		5,007		6,067		7,302
Total mortgage banking income	$	7,533	$	9,771	$	8,517	$	5,170	$	12,675	$	25,821	$	30,624

5

Balance Sheet

(Dollars in thousands)	As of
	Sep 30, 2023		Jun 30, 2023		Mar 31, 2023		Dec 31, 2022		Sep 30, 2022
Assets
Cash and cash equivalents	$	741,156	$	946,899	$	847,697	$	575,992	$	479,500
Securities held to maturity, at amortized cost	1,245,595		1,273,044		1,300,240		1,324,040		1,353,502
Securities available for sale, at fair value	909,108		950,930		1,507,907		1,533,942		1,569,242
Loans held for sale, at fair value	241,613		249,615		159,318		110,105		144,642
Loans held for investment	12,168,023		11,930,516		11,766,425		11,578,304		11,105,004
Allowance for credit losses on loans	(197,773)		(194,391)		(195,292)		(192,090)		(174,356)
Loans, net	11,970,250		11,736,125		11,571,133		11,386,214		10,930,648
Premises and equipment, net	284,368		285,952		287,006		283,595		284,062
Other real estate owned	9,258		5,120		4,818		1,763		2,412
Goodwill and other intangibles	1,011,735		1,013,046		1,014,415		1,015,884		966,461
Bank-owned life insurance	379,945		377,649		375,572		373,808		371,650
Mortgage servicing rights	90,241		87,432		85,039		84,448		81,980
Other assets	298,352		298,530		320,938		298,385		287,000
Total assets	$	17,181,621	$	17,224,342	$	17,474,083	$	16,988,176	$	16,471,099
Liabilities and Shareholders’ Equity
Liabilities
Deposits:
Noninterest-bearing	$	3,734,197	$	3,878,953	$	4,244,877	$	4,558,756	$	4,827,220
Interest-bearing	10,422,913		10,216,408		9,667,142		8,928,210		8,604,904
Total deposits	14,157,110		14,095,361		13,912,019		13,486,966		13,432,124
Short-term borrowings	107,662		257,305		732,057		712,232		312,818
Long-term debt	427,399		429,630		431,111		428,133		426,821
Other liabilities	256,127		233,418		211,596		224,829		207,055
Total liabilities	14,948,298		15,015,714		15,286,783		14,852,160		14,378,818
Shareholders’ equity:
Preferred stock	—		—		—		—		—
Common stock	296,483		296,483		296,483		296,483		296,483
Treasury stock	(105,300)		(105,589)		(107,559)		(111,577)		(111,577)
Additional paid-in capital	1,304,891		1,301,883		1,299,458		1,302,422		1,299,476
Retained earnings	936,573		907,312		891,242		857,725		823,951
Accumulated other comprehensive loss	(199,324)		(191,461)		(192,324)		(209,037)		(216,052)
Total shareholders’ equity	2,233,323		2,208,628		2,187,300		2,136,016		2,092,281
Total liabilities and shareholders’ equity	$	17,181,621	$	17,224,342	$	17,474,083	$	16,988,176	$	16,471,099

6

Net Interest Income and Net Interest Margin

(Dollars in thousands)	Three Months Ended
	September 30, 2023						June 30, 2023						September 30, 2022
	Average Balance		Interest Income/ Expense		Yield/    Rate		Average Balance		Interest Income/ Expense		Yield/    Rate		Average Balance		Interest Income/ Expense		Yield/    Rate
Interest-earning assets:
Loans held for investment	$	12,030,109	$	183,521	6.06	%	$	11,877,592	$	175,549	5.93	%	$	10,829,137	$	124,614	4.57	%
Loans held for sale	227,982		3,751		6.58	%	192,539		2,990		6.21	%	143,837		2,075		5.77	%
Taxable securities	2,053,113		9,218		1.80	%	2,435,442		12,089		1.99	%	2,773,924		12,439		1.79	%
Tax-exempt securities(1)	329,760		1,807		2.19	%	413,680		2,429		2.35	%	449,927		2,664		2.37	%
Total securities	2,382,873		11,025		1.85	%	2,849,122		14,518		2.04	%	3,223,851		15,103		1.87	%
Interest-bearing balances with banks	729,049		10,128		5.51	%	524,307		6,978		5.34	%	663,218		3,458		2.07	%
Total interest-earning assets	15,370,013		208,425		5.39	%	15,443,560		200,035		5.19	%	14,860,043		145,250		3.89	%
Cash and due from banks	180,708						189,668						191,358
Intangible assets	1,012,460						1,013,811						967,154
Other assets	672,232						690,885						626,926
Total assets	$	17,235,413					$	17,337,924					$	16,645,481
Interest-bearing liabilities:
Interest-bearing demand(2)	$	6,520,145	$	41,464	2.52	%	$	6,114,067	$	29,185	1.91	%	$	6,462,940	$	6,061	0.37	%
Savings deposits	942,619		793		0.33	%	1,004,096		813		0.32	%	1,134,665		155		0.05	%
Brokered deposits	947,970		12,490		5.23	%	810,087		10,090		5.00	%	—		—		—	%
Time deposits	2,001,923		16,159		3.20	%	1,735,093		11,303		2.61	%	1,240,439		1,025		0.33	%
Total interest-bearing deposits	10,412,657		70,906		2.70	%	9,663,343		51,391		2.13	%	8,838,044		7,241		0.33	%
Borrowed funds	545,105		7,388		5.40	%	1,204,968		15,559		5.18	%	572,376		5,574		3.88	%
Total interest-bearing liabilities	10,957,762		78,294		2.84	%	10,868,311		66,950		2.47	%	9,410,420		12,815		0.54	%
Noninterest-bearing deposits	3,800,160						4,039,087						4,867,314
Other liabilities	245,886						212,818						194,339
Shareholders’ equity	2,231,605						2,217,708						2,173,408
Total liabilities and shareholders’ equity	$	17,235,413					$	17,337,924					$	16,645,481
Net interest income/ net interest margin			$	130,131	3.36	%			$	133,085	3.45	%			$	132,435	3.54	%
Cost of funding					2.11	%					1.80	%					0.36	%
Cost of total deposits					1.98	%					1.50	%					0.21	%

(1) U.S. Government and some U.S. Government Agency securities are tax-exempt in the states in which the Company operates.

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

7

Net Interest Income and Net Interest Margin, continued

(Dollars in thousands)	Nine Months Ended
	September 30, 2023					September 30, 2022
	Average Balance		Interest Income/ Expense		Yield/    Rate	Average Balance		Interest Income/ Expense		Yield/    Rate
Interest-earning assets:
Loans held for investment	$	11,866,662	$	523,040	5.89%	$	10,474,305	$	329,227	4.20%
Loans held for sale	175,100		8,478		6.46%	233,266		7,524		4.30%
Taxable securities(1)	2,356,962		34,361		1.94%	2,653,735		31,576		1.59%
Tax-exempt securities	395,394		6,844		2.31%	446,762		8,018		2.39%
Total securities	2,752,356		41,205		2.00%	3,100,497		39,594		1.70%
Interest-bearing balances with banks	573,498		22,536		5.25%	1,041,145		6,076		0.78%
Total interest-earning assets	15,367,616		595,259		5.18%	14,849,213		382,421		3.44%
Cash and due from banks	189,324					201,436
Intangible assets	1,012,613					967,023
Other assets	674,476					640,403
Total assets	$	17,244,029				$	16,658,075
Interest-bearing liabilities:
Interest-bearing demand(2)	$	6,235,322	$	90,947	1.95%	$	6,556,454	$	13,306	0.27%
Savings deposits	999,436		2,432		0.33%	1,123,433		441		0.05%
Brokered deposits	720,022		26,898		4.99%	—		—		—%
Time deposits	1,768,827		34,886		2.64%	1,305,800		4,149		0.42%
Total interest-bearing deposits	9,723,607		155,163		2.13%	8,985,687		17,896		0.27%
Borrowed funds	1,007,844		38,351		5.08%	534,296		15,386		3.84%
Total interest-bearing liabilities	10,731,451		193,514		2.41%	9,519,983		33,282		0.47%
Noninterest-bearing deposits	4,073,265					4,745,409
Other liabilities	227,114					192,744
Shareholders’ equity	2,212,199					2,199,939
Total liabilities and shareholders’ equity	$	17,244,029				$	16,658,075
Net interest income/ net interest margin			$	401,745	3.49%			$	349,139	3.14%
Cost of funding					1.75%					0.31%
Cost of total deposits					1.50%					0.17%

(1) U.S. Government and some U.S. Government Agency securities are tax-exempt in the states in which the Company operates.

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

8

Supplemental Margin Information

(Dollars in thousands)	Three Months Ended									Nine Months Ended
	Sep 30, 2023			Jun 30, 2023			Sep 30, 2022			Sep 30, 2023			Sep 30, 2022
Earning asset mix:
Loans held for investment	78.27		%	76.91		%	72.87		%	77.22		%	70.54		%
Loans held for sale	1.48			1.25			0.97			1.14			1.57
Securities	15.50			18.45			21.69			17.91			20.88
Interest-bearing balances with banks	4.75			3.39			4.47			3.73			7.01
Total	100.00		%	100.00		%	100.00		%	100.00		%	100.00		%
Funding sources mix:
Noninterest-bearing demand	25.75		%	27.09		%	34.09		%	27.51		%	33.27		%
Interest-bearing demand	44.18			41.01			45.27			42.12			45.96
Savings	6.39			6.74			7.95			6.75			7.88
Brokered deposits	6.42			5.43			—			4.86			—
Time deposits	13.57			11.64			8.69			11.95			9.15
Borrowed funds	3.69			8.09			4.00			6.81			3.74
Total	100.00		%	100.00		%	100.00		%	100.00		%	100.00		%
Net interest income collected on problem loans	$	(820)		$	364		$	78		$	(64)		$	2,788
Total accretion on purchased loans	1,290			874			1,317			3,049			4,573
Total impact on net interest income	$	470		$	1,238		$	1,395		$	2,985		$	7,361
Impact on net interest margin	0.01		%	0.03		%	0.04		%	0.03		%	0.07		%
Impact on loan yield	0.02		%	0.04		%	0.05		%	0.03		%	0.09		%

9

Loan Portfolio

(Dollars in thousands)	As of
	Sep 30, 2023		Jun 30, 2023		Mar 31, 2023		Dec 31, 2022		Sep 30, 2022
Loan Portfolio:
Commercial, financial, agricultural	$	1,819,891	$	1,729,070	$	1,740,778	$	1,673,883	$	1,513,091
Lease financing	120,724		122,370		121,146		115,013		103,357
Real estate - construction	1,407,364		1,369,019		1,424,352		1,330,337		1,215,056
Real estate - 1-4 family mortgages	3,398,876		3,348,654		3,278,980		3,216,263		3,127,889
Real estate - commercial mortgages	5,313,166		5,252,479		5,085,813		5,118,063		5,016,665
Installment loans to individuals	108,002		108,924		115,356		124,745		128,946
Total loans	$	12,168,023	$	11,930,516	$	11,766,425	$	11,578,304	$	11,105,004

Credit Quality and Allowance for Credit Losses on Loans

(Dollars in thousands)	As of
	Sep 30, 2023			Jun 30, 2023			Mar 31, 2023			Dec 31, 2022			Sep 30, 2022
Nonperforming Assets:
Nonaccruing loans	$	69,541		$	55,439		$	56,626		$	56,545		$	54,278
Loans 90 days or more past due	532			36,321			18,664			331			1,587
Total nonperforming loans	70,073			91,760			75,290			56,876			55,865
Other real estate owned	9,258			5,120			4,818			1,763			2,412
Total nonperforming assets	$	79,331		$	96,880		$	80,108		$	58,639		$	58,277
Criticized Loans
Classified loans	$	186,052		$	219,674		$	222,701		$	200,249		$	193,844
Special Mention loans	89,858			56,616			64,832			86,172			69,883
Criticized loans(1)	$	275,910		$	276,290		$	287,533		$	286,421		$	263,727
Allowance for credit losses on loans	$	197,773		$	194,391		$	195,292		$	192,090		$	174,356
Net loan charge-offs	$	1,933		$	3,901		$	4,732		$	2,566		$	1,575
Annualized net loan charge-offs / average loans	0.06		%	0.13		%	0.16		%	0.09		%	0.06		%
Nonperforming loans / total loans	0.58			0.77			0.64			0.49			0.50
Nonperforming assets / total assets	0.46			0.56			0.46			0.35			0.35
Allowance for credit losses on loans / total loans	1.63			1.63			1.66			1.66			1.57
Allowance for credit losses on loans / nonperforming loans	282.24			211.85			259.39			337.73			312.10
Criticized loans / total loans	2.27			2.32			2.44			2.47			2.37

(1) Criticized loans include loans in risk rating classifications of classified and special mention.

10

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, October 25, 2023.

The webcast is accessible through Renasant’s investor relations website at www.renasant.com or https://event.choruscall.com/mediaframe/webcast.html?webcastid=27s2FjbF. To access the conference via telephone, dial 1-877-513-1143 in the United States and request the Renasant Corporation 2023 Third 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 1-877-344-7529 in the United States and entering conference number 9960742 or by dialing 1-412-317-0088 internationally and entering the same conference number. Telephone replay access is available until November 8, 2023.

ABOUT RENASANT CORPORATION:

Renasant Corporation is the parent of Renasant Bank, a 119-year-old financial services institution. Renasant has assets of approximately $17.2 billion and operates 194 banking, lending, mortgage, wealth management and insurance offices throughout the Southeast as well as offering factoring and asset-based lending on a nationwide basis.

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,” and 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 our 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; (ii) the effect of economic conditions and interest rates on a national, regional or international basis; (iii) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (iv) competitive pressures in the consumer finance, commercial finance, insurance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (v) the financial resources of, and products available from, competitors; (vi) changes in laws and regulations as well as changes in accounting standards; (vii) changes in policy by regulatory agencies; (viii) changes in the securities and foreign exchange markets; (ix) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (x) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of our investment securities portfolio; (xi) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xii) changes in the sources and costs of the capital we use to make loans and otherwise fund our operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xiii) general economic, market or business conditions, including the impact of inflation; (xiv) changes in demand for loan products and financial services; (xv) concentration of deposit and credit exposure; (xvi) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xvii) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses; (xviii) civil unrest, natural disasters, epidemics (including the re-emergence of the

11

COVID-19 pandemic) and other catastrophic events in the Company’s geographic area; (xix) the impact, extent and timing of technological changes; and (xx) 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 Securities and Exchange Commission (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.

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, including, without limitation, (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 income, (v) adjusted diluted earnings per share, (vi) tangible book value per share, (vii) the tangible common equity ratio, (viii) certain performance ratios (namely, the ratio of pre-provision net revenue to average assets, the adjusted return on average assets and on average equity, and the return on average tangible assets and on average tangible common equity (including each of the foregoing on an as-adjusted basis)), and (ix) the adjusted efficiency ratio.

These non-GAAP financial measures adjust GAAP financial measures to exclude intangible assets and/or certain charges (such as the recovery of the provision for unfunded commitments), 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 and charges such as the provision for unfunded commitments (or the recovery thereof) 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 under the caption “Non-GAAP Reconciliations”.

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.

12

Non-GAAP Reconciliations

(Dollars in thousands, except per share data)	Three Months Ended										Nine Months Ended
	Sep 30, 2023		Jun 30, 2023		Mar 31, 2023		Dec 31, 2022		Sep 30, 2022		Sep 30, 2023		Sep 30, 2022
Adjusted Pre-Provision Net Revenue (“PPNR”)
Net income (GAAP)	$	41,833	$	28,643	$	46,078	$	46,276	$	46,567	$	116,554	$	119,792
Income taxes	10,766		6,634		11,322		12,885		13,563		28,722		32,355
Provision for credit losses (including unfunded commitments)	4,615		2,000		6,460		10,671		9,800		13,075		13,200
Pre-provision net revenue (non-GAAP)	$	57,214	$	37,277	$	63,860	$	69,832	$	69,930	$	158,351	$	165,347
Merger and conversion expense	—		—		—		1,100		—		—		687
Gain on sale of MSR	—		—		—		—		(2,960)		—		(2,960)
Restructuring charges	—		—		—		—		—		—		732
Voluntary reimbursement of certain re-presentment NSF fees	—		—		—		1,255		—		—		—
Losses on security sales	—		22,438		—		—		—		22,438		—
Adjusted pre-provision net revenue (non-GAAP)	$	57,214	$	59,715	$	63,860	$	72,187	$	66,970	$	180,789	$	163,806
Adjusted Net Income and Adjusted Tangible Net Income
Net income (GAAP)	$	41,833	$	28,643	$	46,078	$	46,276	$	46,567	$	116,554	$	119,792
Amortization of intangibles	1,311		1,369		1,426		1,195		1,251		4,106		3,927
Tax effect of adjustments noted above(1)	(269)		(266)		(299)		(260)		(265)		(838)		(859)
Tangible net income (non-GAAP)	$	42,875	$	29,746	$	47,205	$	47,211	$	47,553	$	119,822	$	122,860
Net income (GAAP)	$	41,833	$	28,643	$	46,078	$	46,276	$	46,567	$	116,554	$	119,792
Merger and conversion expense	—		—		—		1,100		—		—		687
Gain on sale of MSR	—		—		—		—		(2,960)		—		(2,960)
Restructuring charges	—		—		—		—		—		—		732
Initial provision for acquisitions	—		—		—		2,820		—		—		—
Voluntary reimbursement of certain re-presentment NSF fees	—		—		—		1,255		—		—		—
Losses on security sales	—		22,438		—		—		—		22,438		—
Tax effect of adjustments noted above(1)	—		(4,353)		—		(1,127)		626		(4,579)		311
Adjusted net income (non-GAAP)	$	41,833	$	46,728	$	46,078	$	50,324	$	44,233	$	134,413	$	118,562
Amortization of intangibles	1,311		1,369		1,426		1,195		1,251		4,106		3,927
Tax effect of adjustments noted above(1)	(269)		(266)		(299)		(260)		(265)		(838)		(859)
Adjusted tangible net income (non-GAAP)	$	42,875	$	47,831	$	47,205	$	51,259	$	45,219	$	137,681	$	121,630
Tangible Assets and Tangible Shareholders’ Equity
Average shareholders’ equity (GAAP)	$	2,231,605	$	2,217,708	$	2,186,794	$	2,139,095	$	2,173,408	$	2,212,199	$	2,199,939
Average intangible assets	1,012,460		1,013,811		1,011,557		967,005		967,154		1,012,613		967,023
Average tangible shareholders’ equity (non-GAAP)	$	1,219,145	$	1,203,897	$	1,175,237	$	1,172,090	$	1,206,254	$	1,199,586	$	1,232,916
Average assets (GAAP)	$	17,235,413	$	17,337,924	$	17,157,898	$	16,577,840	$	16,645,481	$	17,244,029	$	16,658,075
Average intangible assets	1,012,460		1,013,811		1,011,557		967,005		967,154		1,012,613		967,023
Average tangible assets (non-GAAP)	$	16,222,953	$	16,324,113	$	16,146,341	$	15,610,835	$	15,678,327	$	16,231,416	$	15,691,052
Shareholders’ equity (GAAP)	$	2,233,323	$	2,208,628	$	2,187,300	$	2,136,016	$	2,092,281	$	2,233,323	$	2,092,281
Intangible assets	1,011,735		1,013,046		1,014,415		1,015,884		966,461		1,011,735		966,461
Tangible shareholders’ equity (non-GAAP)	$	1,221,588	$	1,195,582	$	1,172,885	$	1,120,132	$	1,125,820	$	1,221,588	$	1,125,820
Total assets (GAAP)	$	17,181,621	$	17,224,342	$	17,474,083	$	16,988,176	$	16,471,099	$	17,181,621	$	16,471,099
Intangible assets	1,011,735		1,013,046		1,014,415		1,015,884		966,461		1,011,735		966,461
Total tangible assets (non-GAAP)	$	16,169,886	$	16,211,296	$	16,459,668	$	15,972,292	$	15,504,638	$	16,169,886	$	15,504,638

13

(Dollars in thousands, except per share data)	Three Months Ended															Nine Months Ended
	Sep 30, 2023			Jun 30, 2023			Mar 31, 2023			Dec 31, 2022			Sep 30, 2022			Sep 30, 2023			Sep 30, 2022
Adjusted Performance Ratios
Return on average assets (GAAP)	0.96		%	0.66		%	1.09		%	1.11		%	1.11		%	0.90		%	0.96		%
Adjusted return on average assets (non-GAAP)	0.96			1.08			1.09			1.20			1.05			1.04			0.95
Return on average tangible assets (non-GAAP)	1.05			0.73			1.19			1.20			1.20			0.99			1.05
Pre-provision net revenue to average assets (non-GAAP)	1.32			0.86			1.51			1.67			1.67			1.23			1.33
Adjusted pre-provision net revenue to average assets (non-GAAP)	1.32			1.38			1.51			1.73			1.60			1.40			1.31
Adjusted return on average tangible assets (non-GAAP)	1.05			1.18			1.19			1.30			1.14			1.13			1.04
Return on average equity (GAAP)	7.44			5.18			8.55			8.58			8.50			7.04			7.28
Adjusted return on average equity (non-GAAP)	7.44			8.45			8.55			9.33			8.07			8.12			7.21
Return on average tangible equity (non-GAAP)	13.95			9.91			16.29			15.98			15.64			13.35			13.32
Adjusted return on average tangible equity (non-GAAP)	13.95			15.94			16.29			17.35			14.87			15.35			13.19
Adjusted Diluted Earnings Per Share
Average diluted shares outstanding	56,523,887			56,395,653			56,270,219			56,335,446			56,248,720			56,393,957			56,169,886
Diluted earnings per share (GAAP)	$	0.74		$	0.51		$	0.82		$	0.82		$	0.83		$	2.07		$	2.13
Adjusted diluted earnings per share (non-GAAP)	$	0.74		$	0.83		$	0.82		$	0.89		$	0.79		$	2.38		$	2.11
Tangible Book Value Per Share
Shares outstanding	56,140,713			56,132,478			56,073,658			55,953,104			55,953,104			56,140,713			55,953,104
Book value per share (GAAP)	$	39.78		$	39.35		$	39.01		$	38.18		$	37.39		$	39.78		$	37.39
Tangible book value per share (non-GAAP)	$	21.76		$	21.30		$	20.92		$	20.02		$	20.12		$	21.76		$	20.12
Tangible Common Equity Ratio
Shareholders’ equity to assets (GAAP)	13.00		%	12.82		%	12.52		%	12.57		%	12.70		%	13.00		%	12.70		%
Tangible common equity ratio (non-GAAP)	7.55		%	7.37		%	7.13		%	7.01		%	7.26		%	7.55		%	7.26		%
Adjusted Efficiency Ratio
Net interest income (FTE) (GAAP)	$	130,131		$	133,085		$	138,529		$	140,565		$	132,435		$	401,745		$	349,139
Total noninterest income (GAAP)	$	38,200		$	17,226		$	37,293		$	33,395		$	41,186		$	92,719		$	115,858
Gain on sale of MSR	—			—			—			—			2,960			—			2,960
Losses on security sales	—			(22,438)			—			—			—			(22,438)			—
Total adjusted noninterest income (non-GAAP)	$	38,200		$	39,664		$	37,293		$	33,395		$	38,226		$	115,157		$	112,898
Noninterest expense (GAAP)	$	107,669		$	109,165		$	107,708		$	101,582		$	101,574		$	324,542		$	293,873
Amortization of intangibles	1,311			1,369			1,426			1,195			1,251			4,106			3,927
Merger and conversion expense	—			—			—			1,100			—			—			687
Restructuring charges	—			—			—			—			—			—			732
Voluntary reimbursement of certain re-presentment NSF fees	—			—			—			1,255			—			—			—
(Recovery of) provision for unfunded commitments	(700)			(1,000)			(1,500)			183			—			(3,200)			(100)
Total adjusted noninterest expense (non-GAAP)	$	107,058		$	108,796		$	107,782		$	97,849		$	100,323		$	323,636		$	288,627
Efficiency ratio (GAAP)	63.96		%	72.63		%	61.26		%	58.39		%	58.50		%	65.64		%	63.20		%
Adjusted efficiency ratio (non-GAAP)	63.60		%	62.98		%	61.30		%	56.25		%	58.78		%	62.61		%	62.47		%

14

(Dollars in thousands, except per share data)	Three Months Ended															Nine Months Ended
	Sep 30, 2023			Jun 30, 2023			Mar 31, 2023			Dec 31, 2022			Sep 30, 2022			Sep 30, 2023			Sep 30, 2022
Adjusted Net Interest Income and Adjusted Net Interest Margin
Net interest income (FTE) (GAAP)	$	130,131		$	133,085		$	138,529		$	140,565		$	132,435		$	401,745		$	349,139
Net interest income collected on problem loans	(820)			364			392			161			78			(64)			2,788
Accretion recognized on purchased loans	1,290			874			885			625			1,317			3,049			4,573
Adjustments to net interest income	$	470		$	1,238		$	1,277		$	786		$	1,395		$	2,985		$	7,361
Adjusted net interest income (FTE) (non-GAAP)	$	129,661		$	131,847		$	137,252		$	139,779		$	131,040		$	398,760		$	341,778
Net interest margin (GAAP)	3.36		%	3.45		%	3.66		%	3.78		%	3.54		%	3.49		%	3.14		%
Adjusted net interest margin (non-GAAP)	3.35		%	3.43		%	3.63		%	3.76		%	3.50		%	3.47		%	3.07		%
Adjusted Loan Yield
Loan interest income (FTE) (GAAP)	$	183,521		$	175,549		$	163,970		$	147,519		$	124,614		$	523,040		$	329,227
Net interest income collected on problem loans	(820)			364			392			161			78			(64)			2,788
Accretion recognized on purchased loans	1,290			874			885			625			1,317			3,049			4,573
Adjusted loan interest income (FTE) (non-GAAP)	$	183,051		$	174,311		$	162,693		$	146,733		$	123,219		$	520,055		$	321,866
Loan yield (GAAP)	6.06		%	5.93		%	5.68		%	5.19		%	4.57		%	5.89		%	4.20		%
Adjusted loan yield (non-GAAP)	6.04		%	5.89		%	5.64		%	5.16		%	4.52		%	5.86		%	4.11		%

(1) Tax effect is calculated based on the respective periods’ effective tax rate excluding the impact of discrete items.

###

15

EX-99.2

Third Quarter 2023 Earnings Call

This presentation may contain various statements about Renasant Corporation (“Renasant,” “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,” and 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 our actual results to differ materially from those in forward-looking statements include the following: (i) Renasant’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; (ii) the effect of economic conditions and interest rates on a national, regional or international basis; (iii) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (iv) competitive pressures in the consumer finance, commercial finance, insurance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (v) the financial resources of, and products available from, competitors; (vi) changes in laws and regulations as well as changes in accounting standards; (vii) changes in policy by regulatory agencies; (viii) changes in the securities and foreign exchange markets; (ix) Renasant’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (x) changes in the quality or composition of our loan or investment portfolios, including adverse developments in borrower industries or the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of our investment securities portfolio; (xi) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xii) changes in the sources and costs of the capital we use to make loans and otherwise fund our operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xiii) general economic, market or business conditions, including the impact of inflation; (xiv) changes in demand for loan products and financial services; (xv) concentration of deposit and credit exposure; (xvi) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xvii) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses; (xviii) civil unrest, natural disasters, epidemics (including the re-emergence of the COVID-19 pandemic) and other catastrophic events in our geographic area; (xix) the impact, extent and timing of technological changes; and (xx) 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 Securities and Exchange Commission (“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 Forward-Looking Statements

3 Overview Snapshot Note: As of September 30, 2023 *Republic Business Credit operates on a nationwide basis. Locations in California, Illinois and Texas are not shown. Assets: $17.2 billion Loans: 12.2 Deposits: 14.2 Equity: 2.2 Footprint Loans and Deposits by State MS 18% AL 29% FL 7% Other 1% GA 30% TN 15% Loans MS 39% AL 14% FL 3% GA 31% TN 13% Deposits

4 Third Quarter Highlights • Net income of $41.8 million with diluted EPS of $0.74 • Net interest margin decreased 9 basis points to 3.36% on a linked quarter basis • Loans increased $237.5 million, or 7.9% annualized • Deposits increased $61.7 million; brokered deposits decreased $323 million • Cost of total deposits increased 48 basis points to 1.98%; noninterest-bearing deposits represented 26.4% of total deposits • The ratio of allowance for credit losses on loans to total loans was stable at 1.63% • Nonperforming loans represented 0.58% of total loans, a decrease of 19 basis points on a linked quarter basis; annualized net loan charge-offs were 0.06% of average loans

5 Balance Sheet $16,471 $16,988 $17,474 $17,224 $17,182 $15 ,800 $16 ,000 $16 ,200 $16 ,400 $16 ,600 $16 ,800 $17 ,000 $17 ,200 $17 ,400 $17 ,600 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Assets $11,105 $11,578 $11,766 $11,931 $12,168 $10 ,400 $10 ,600 $10 ,800 $11 ,000 $11 ,200 $11 ,400 $11 ,600 $11 ,800 $12 ,000 $12 ,200 $12 ,400 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Loans $13,432 $13,487 $13,912 $14,095 $14,157 $13 ,000 $13 ,200 $13 ,400 $13 ,600 $13 ,800 $14 ,000 $14 ,200 $14 ,400 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Deposits $2,092 $2,136 $2,187 $2,209 $2,233 $2,000 $2,050 $2,100 $2,150 $2,200 $2,250 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Equity Note: Dollars in millions Note: In millions

6 Core Deposit Funding 26% 47% 7% 15% 5% Noninterest-bearing Interest-bearing* Savings Time Brokered • Average deposit account is $29 thousand; commercial and consumer deposit accounts, excluding time deposit accounts, averaged approximately $75 thousand and $13 thousand, respectively • Top 20 depositors, excluding public funds, comprise 4% of total deposits Diversification Note: As of September 30, 2023 *Includes money market Consumer 45% Commercial 35% Brokered 6% Public Funds 14% CommercialCustomer Construction 15% Professional Services 10% Real Estate 15% Financial 9% Manufacturing 8% Trade 12% Health Care 5% Other Services 17% Other 9% Granularity

7 Strong Liquidity 83% 86% 85% 85% 86% $1 $1 $1 $1 $1 $1 $1 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Loans to Deposits 20.7% 20.2% 20.9% 18.4% 16.9% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Cash and Securities to Total Assets Average Interest Earning Asset Mix (3Q 2023) 78% 1% 16% 5% Loans Held for Investment Loans Held for Sale Securities Interest Bearing Balances with Banks

8 Capital • $100 million stock repurchase program is in effect through October 2024; there was no buyback activity in the third quarter of 2023 • Consistent dividend payment history, including through the 2008 financial crisis • Unrealized losses on the HTM portfolio would have a negative impact of 70 basis points on the TCE ratio at September 30, 2023 • Unrealized losses on both HTM and AFS would have a negative impact of 206 basis points on CET1 and the Company would remain above well-capitalized thresholds at September 30, 2023 Highlights * Tangible Common Equity 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”. 10.64% 10.21% 10.19% 10.30% 10.46% 15.15% 14.63% 14.68% 14.76% 14.91% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 CET1 / TRBC Common equity tier 1 capital ratio Total risk-based capital ratio 37.39 38.18 39.01 39.35 39.78 20.12 20.02 20.92 21.30 21.76 $0 $5 $10 $15 $20 $25 $30 $35 $40 $45 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Book Value / TBV Book Value Tangible Book Value (non-GAAP)* 12.70% 12.57% 12.52% 12.82% 13.00% 7.26% 7.01% 7.13% 7.37% 7.55% $0 $0 $0 $0 $0 $0 $0 $0 $0 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Equity to Assets / Tangible Common Equity Ratio Shareholders' equity to assets Tangible common equity ratio (non-GAAP)*

9 Asset Quality 2.37% 2.47% 2.44% 2.32% 2.27% 2.00% 2.25% 2.50% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Criticized Loans/Total Loans 0.24% 0.51% 0.43% 0.10% 0.11% 0.0% 0.5% 1.0% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Loans 30-89 Days Past Due/ Total Loans 0.35% 0.35% 0.46% 0.56% 0.46% 0.0% 0.5% 1.0% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 NPAs/Total Assets 0.06% 0.09% 0.16% 0.13% 0.06% 0.0% 0.5% 1.0% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Net Charge-offs / Average Loans 1.57% 1.66% 1.66% 1.63% 1.63% 0.0% 1.0% 2.0% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Allowance/Total Loans 312% 338% 259% 212% 282% 0% 200% 400% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Allowance/Nonperforming Loans

10 Profitability Note: Dollars in millions except per share amounts. *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”. $.83 $.82 $.82 $.51 $.74$.79 $.89 $.82 $.83 $.74 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Diluted EPS / Adjusted Diluted EPS (non-GAAP)* Diluted EPS (GAAP) Adjusted Diluted EPS (non-GAAP)* $46.6 $46.3 $46.1 $28.6 $41.8 $44.2 $50.3 $46.1 $46.7 $41.8 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Net Income / Adjusted Net Income (non-GAAP)* Net Income Adjusted Net Income (non-GAAP)* $132.4 $140.6 $138.5 $133.1 $130.1$131.0 $139.8 $137.3 $131.8 $129.7 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Net Interest Income (FTE) / Adjusted Net Interest Income (FTE) (non-GAAP)* Net interest income (FTE) Adjusted net interest income (FTE) (non-GAAP)* $69.9 $69.8 $63.9 $37.3 $57.2 $67.0 $72.2 $63.9 $59.7 $57.2 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 PPNR (non-GAAP)* / Adjusted PPNR (non-GAAP)* PPNR (non-GAAP)* Adjusted PPNR (non-GAAP)*

11 Profitability Ratios *Adjusted ROAA, Adjusted ROTCE, Pre-Provision Net Revenue/Average Assets, Adjusted Pre-Provision Net Revenue/Average Assets 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”. 8.50% 8.58% 8.55% 5.18% 7.44% 14.87% 17.35% 16.29% 15.94% 13.95% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 ROE / Adjusted ROTCE ROE (GAAP) ROTCE (Adjusted) (non-GAAP)* 1.11% 1.11% 1.09% 0.66% 0.96% 1.05% 1.20% 1.09% 1.08% 0.96% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 ROAA / Adjusted ROAA ROAA (GAAP) ROAA (Adjusted) (non-GAAP)* 59% 58% 61% 73% 64% 59% 56% 61% 63% 64% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Efficiency Ratio / Adjusted Efficiency Ratio Efficiency Ratio (GAAP) Adjusted Efficiency Ratio (non-GAAP)* 1.67% 1.67% 1.51% 0.86% 1.32% 1.60% 1.73% 1.51% 1.38% 1.32% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 PPNR / Adjusted PPNR Ratios PPNR/Average Assets (non-GAAP)* Adjusted PPNR/Average Assets (non-GAAP)*

12 Net Interest Margin (FTE), Loan Yield and Cost of Deposits 3.54% 3.78% 3.66% 3.45% 3.36%3.50% 3.76% 3.63% 3.43% 3.35% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Net Interest Margin (FTE) / Adjusted Net Interest Margin (FTE)(non-GAAP)* Net Interest Margin Adjusted Net Interest Margin (FTE)(non-GAAP)* 4.57% 5.19% 5.68% 5.93% 6.06% 4.52% 5.16% 5.64% 5.89% 6.04% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Loan Yield / Adjusted Loan Yield (non-GAAP)* Loan yield Adjusted Loan Yield (non-GAAP)* *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”. 0.21% 0.52% 0.99% 1.50% 1.98% 0.33% 0.81% 1.47% 2.13% 2.70% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Cost of Deposits Total cost of deposits Cost of total interest-bearing deposits

13 Noninterest Income / Total Revenue Service Charges 25% Fees and Commissions 11% Insurance 8% Wealth Management 16% Mortgage Banking 20% Other 20% Noninterest Income Mix - 3Q 2023 • Noninterest income increased $21.0 million in the third quarter. The Company recognized losses of $22.4 million on securities sales in the second quarter of 2023 with no such losses in the third quarter. $41.2 $33.4 $37.3 $17.2 $38.2 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Noninterest Income 87% 4% 7% 2% YTD Total Revenue(1) Community Banking Wealth Management Mortgage Insurance Note: Dollars in millions (1) Total revenue is calculated as net interest income plus noninterest income.

14 Noninterest Expense Salaries and employee benefits 64% Data processing 4% Net occupancy and equipment 11% Professional fees 3% Other 18% Mix - 3Q 2023($ in thousands) 2Q23 3Q23 Change Salaries and employee benefits 70,637$ 69,458$ (1,179)$ Data processing 3,684 3,907 223 Net occupancy and equipment 11,865 11,548 (317) Professional fees 4,012 3,338 (674) Other 18,967 19,418 451 Total 109,165$ 107,669$ (1,496)$ • Noninterest expense decreased $1.5 million during the third quarter of 2023. Lower salaries and benefits and professional fees contributed to the decrease in noninterest expense. $101.6 $101.6 $107.7 $109.2 $107.7 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023

Appendix

16 Available Liquidity and Uninsured Deposits Note: As of September 30, 2023; dollars in billions (1) Approximately $285 million of the unencumbered securities are placed at the Fed (2) Includes untapped brokered CDs (per internal policy guidelines) and unsecured lines of credit $7.7 $4.2 Available sources Uninsured and uncollateralized deposits Uninsured Deposits Uninsured to Total Deposits Uncollateralized 4.2$ 29.6% Collateralized public funds 1.5 10.6% Total 5.7$ 40.2% Internal Sources Cash and cash equivalents 0.7$ Unencumbered securities(1) 1.1 External Sources FHLB borrowing capacity 3.1 Federal Reserve Discount Window 0.6 Other(2) 2.2 Total 7.7$ Liquidity Sources

17 Securities Composition Agency MBS 33% Agency CMO 38% Agency CMBS 10% Municipal 14% SBA 3% Other 2% • Represents 13.7% of total assets • Duration of 5.0 years • 53% of portfolio HTM o 10% of HTM are CRA investments o 23% of HTM are Municipals • Unrealized losses in AOCI on securities totaled $278.3 million ($208.7 million, net of tax); unrealized losses in AOCI on HTM securities totaled $81.9 million (61.1 million, net of tax) Highlights $2.35 Billion Note: As of September 30, 2023 at amortized cost

18 Non-Owner Occupied CRE – Term* and Office Non-Owner Occupied CRE – Term* 16% 10% 9% 18%9% 10% 20% 8% Warehouse/Industrial Hotels Self Storage Multi-family Medical Office Office (non-medical) Retail Senior Housing • 29.7% of total loans • Non-performing loans of 0.27% • No 30-89 days past due Note: As of September 30, 2023. LTV is calculated using the most recent appraisal available. *Excludes construction • Average loan size of $1.9 million • Weighted average LTV of 56.6% • $356 million portfolio • 0.10% past due or nonaccrual • Average loan size of $1.0 million • Weighted average LTV of 57.3% Office (non-medical)

19 Construction Note: As of September 30, 2023; LTV is calculated using the most recent appraisal available. 21% 8% 34% 6% 4% 12% 11% 1% 3% 1-4 Family Commercial Owner-Occupied Multi-family Office Retail Self Storage Warehouse / Industrial Hotels Senior Housing Composition Highlights • 11.6% of total loans • Past due loans of 0.03% • Average loan size of $2.0 million • Weighted average LTV of 59.0%

20 ACL / Loss Absorption ($ in thousands) ACL ACL as a % of Loans ACL ACL as a % of Loans Commercial, Financial, Agricultural 41,283$ 2.38 44,444$ 2.44 Lease Financing Receivables 2,480 2.03 3,355 2.78 Real Estate - 1-4 Family Mortgage 46,799 1.40 45,878 1.35 Real Estate - Commercial Mortgage 75,335 1.43 75,154 1.41 Real Estate - Construction 19,125 1.39 19,656 1.40 Installment loans to individuals 9,369 8.62 9,286 8.60 Allowance for Credit Losses on Loans 194,391 1.63 197,773 1.63 Allowance for Credit Losses on Deferred Interest 1,231 1,245 Reserve for Unfunded Commitments 17,618 16,918 Total Reserves 213,240 215,936 Purchase Accounting Discounts 11,005 9,714 Total Loss Absorption Capacity 224,245$ 225,650$ 9/30/20236/30/2023

21 Mortgage Banking MixMortgage Banking Income Gain on sale margin* *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 ($ in thousands) 3Q22 2Q23 3Q23 Gain on sales of loans, net 5,263$ 4,646$ 3,297$ Fees, net 2,405 2,859 2,376 Mortgage servicing income, net 5,007 2,266 1,860 Mortgage banking income, net 12,675$ 9,771$ 7,533$ 1.03% 1.64% 1.15% 1.66% 1.55% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 $0.6 $0.5 $0.6 $0.6 $0.5 $- $0 $0 $0 $0 $1 $1 $1 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Locked Volume (in billions) (in %) 3Q22 2Q23 3Q23 Wholesale 34 42 46 Retail 66 58 54 Purchase 81 91 90 Refinance 19 9 10

XML

Cover	Oct. 24, 2023
Cover [Abstract]
Document Type	8-K/A
Document Period End Date	Oct. 24, 2023
Entity Registrant Name	RENASANT CORP
Entity Incorporation, State or Country Code	MS
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	MS
Entity Address, Postal Zip Code	38804-4827
City Area Code	662
Local Phone Number	680-1001
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common stock, $5.00 par value per share
Trading Symbol	RNST
Security Exchange Name	NYSE
Entity Emerging Growth Company	false
Entity Central Index Key	0000715072
Amendment Flag	false