Regulatory Matters

9 Months Ended

Sep. 30, 2025

Banking and Thrift, Interest [Abstract]

Regulatory Matters

Regulatory Matters

(In Thousands)

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

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:

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%

The following table provides the capital, risk-based capital and leverage ratios for the Company and for the Bank as of the dates presented:

	September 30, 2025				December 31, 2024
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	2,364,465	9.46	%	$	1,935,522	11.34	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	2,364,465		11.04	%	1,825,197		12.73	%
Tier 1 Capital to Risk-Weighted Assets	2,364,465		11.04	%	1,935,522		13.50	%
Total Capital to Risk-Weighted Assets	3,187,027		14.88	%	2,449,129		17.08	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	2,526,336	10.12	%	$	1,843,123	10.80	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	2,526,336		11.80	%	1,843,123		12.85	%
Tier 1 Capital to Risk-Weighted Assets	2,526,336		11.80	%	1,843,123		12.85	%
Total Capital to Risk-Weighted Assets	2,794,398		13.05	%	2,022,737		14.10	%