Renasant Corporation

Renasant Corp is a Mississippi-based bank holding company that operates Renasant Bank, a community banking franchise serving customers across the Southeast. Through its banking and wealth management subsidiaries, it provides commercial and consumer lending, deposit services, treasury management, factoring and asset-based lending, and investment advisory and brokerage services.

— Renasant Corporation
%
Community banking75% Core deposit, lending, and cash-management services offered through Renasant Bank.
Wealth management10% Investment advisory, brokerage, and related fee-based financial services.
Specialty commercial finance10% Factoring and asset-based lending provided through Republic Business Credit.
Mortgage banking and other fees5% Residential mortgage-related services and other noninterest income activities.

Renasant serves individuals, small businesses, middle-market commercial borrowers, and local community customers across...

  • Individuals and householdssecondary

    They buy checking, savings, consumer loans, and mortgage services for everyday banking and home financing.

  • Small and middle-market businessesprimary

    They use operating accounts, commercial loans, treasury management, and specialty lending for working capital and growth.

  • Commercial borrowers and corporate clientsprimary

    They use lending, interest-rate contracts, and cash-management services to fund operations and manage rate exposure.

  • Wealth management clientssecondary

    They buy advisory, brokerage, and investment services through Park Place Capital and related entities.

Renasant operates primarily in the southeastern United States and states that it has no foreign operations...

  • •Headquartered in Mississippi with a Southeast banking footprint
  • •Branch-based community banking across multiple southeastern markets
  • •Nationwide factoring and asset-based lending through Republic Business Credit
  • •No foreign operations reported
  • •Local market presence supports deposit gathering and relationship lending

Renasant’s strategy centers on relationship banking, local market execution, and a broader mix of fee-based services to...

01
Increase noninterest-bearing depositsshort-term

A stronger deposit mix supports funding stability and improves balance-sheet flexibility.

02
Expand fee-based businessesmedium-term

Wealth management, treasury management, and mortgage services diversify revenue away from spread income.

03
Integrate acquired operationsshort-term

Acquisitions can extend the franchise and add customers, branches, and product capabilities.

Renasant is exposed to credit, interest-rate, liquidity, operational, cyber, and model risk, which are typical for a...

high

Credit risk in the loan portfolio

The company lends to consumers, businesses, and commercial borrowers, so borrower stress can increase charge-offs and provisions.

Scope
Loans, unfunded commitments, and commercial credit lines
Materiality
high
high

Interest-rate risk

Bank earnings depend on the spread between asset yields and funding costs, and the company also uses derivatives for customer needs and hedging.

Scope
Loans, deposits, swaps, caps, collars, and floors
Materiality
high
high

Liquidity risk

Funding needs must be met through deposits, borrowings, and capital markets, which can tighten in stressed conditions.

Scope
Deposit base, borrowed funds, and capital market access
Materiality
high
high

Cybersecurity and vendor breach risk

The company handles sensitive customer data and relies on third-party vendors, increasing exposure to breaches and fraud.

Scope
Customer information, payment systems, and vendor networks
Materiality
high
high

Internal control weakness

A material weakness can affect the accuracy and timeliness of financial reporting and investor confidence.

Scope
Financial reporting and disclosure controls
Materiality
high
Allowance for credit losses
Provision expense, reserve levels, and credit quality metrics
Acquisition accounting
Goodwill, intangible assets, and merger-related adjustments
Derivative and hedge accounting
Noninterest income, other assets/liabilities, and OCI
Mortgage banking commitments
Mortgage banking income and fair-value marks

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: 29/04/2026