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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Mississippi, the state note

Renasant Bank

Tupelo, Mississippi · $26.99B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

15.4%
Equity / assets
2nd of 12
+2.7%
Loans, year over year
11th of 12, largest first
272.2%
CRE / capital
10th of 12

Renasant Bank is the fifth largest of the 12 the South Central states banks nearest its size over $10B, with $26.99B in assets at 30 June 2026. Loans are 87.7% of deposits, 5th of 12 against a median of 90.8%, and equity is 15.4% of assets, 2nd of 12. Loans grew +2.7% in the year, 11th of 12, and deposits grew 1.0%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.96% of the book, 8th of 12 against a median of 0.92%; 0.16% is 30 to 89 days past due, and the allowance covers them 1.6 times. Commercial real estate is 41.8% of loans, 8th of 12 against a median of 36.9%, and 272% of capital, below the 300% screen, with construction at 67% against the 100% screen. CRE has grown +56.2% over 36 months, past the guidance's 50% prong.

Return on assets is 1.40%, 6th of 12 against a median of 1.39%, on an efficiency ratio of 55.7%, 7th of 12. Five years ago it was 1.34%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsSouth Central states banks over $10B · 30 June 2026 · higher is stronger, listed first
median 11.9% CB Centennial Bank 17.2% RB Renasant Bank 15.4% BO Bank Ozk 15.1% SB Simmons Bank 13.1% SY Stock Yards Bank & Trust Co. 12.0% HW Hancock Whitney Bank 12.0% F Firstbank 11.7% OB Origin Bank 11.7% TB Trustmark Bank 11.6% FH First Horizon Bank 11.2% SB Servisfirst Bank 10.9% AB Arvest Bank 8.4%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Renasant Bank is the 8th largest 7(a) lender into Georgia of 409, with $597M across 783 loans, 3.0% of everything approved in the state (Metro City Bank leads with $1.91B). 119 of its 224 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$105M7th of 2113.3%-2.5 pts
Gwinnett, GA$73M6th of 1693.1%-1.8 pts
Henry, GA$42M1st of 10210.3%-20.9 pts
Dekalb, GA$37M9th of 1512.3%-0.2 pts
Cobb, GA$35M13th of 1822.1%+0.1 pts
Chatham, GA$29M8th of 1214.1%-8.7 pts
Cherokee, GA$28M3rd of 1174.7%-0.6 pts
Fayette, GA$23M3rd of 906.7%-6.2 pts
Alachua, FL$22M1st of 869.6%-1.9 pts
Clayton, GA$22M2nd of 935.6%-1.3 pts
Desoto, MS$22M1st of 6611.7%+4.8 pts
Williamson, TN$21M5th of 1124.4%+4.1 pts
Shelby, TN$20M12th of 1392.5%+1.0 pts
211 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services311$247M24.1%0.32%76th of 2,596
Retail trade214$152M14.9%0.25%77th of 2,589
Health care & social assistance153$105M10.2%0.22%68th of 2,172
Manufacturing97$95M9.3%0.24%73rd of 2,246
Other services135$86M8.4%0.25%77th of 2,248
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Renasant Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Renasant BankRankCohort median
Total CRE against capital, the 300% screen272%10th of 12252%
Construction against capital, the 100% screen67%7th of 1267%
Construction and land development, share of loans10.4%8th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans25.5%10th of 1221.4%
Total CRE, the guidance definition, share of loans41.8%8th of 1236.9%
CRE growth over 36 months, the third prong+56.2%12th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Renasant BankCohort median
20212026Change20212026Change
Loans$10.60B$19.44B+83%$10.62B$17.56B+65%
Deposits$13.25B$22.17B+67%$14.43B$19.75B+37%
NPA / loans0.53%0.96%+0.43 pts0.61%0.92%+0.31 pts
Efficiency63.5%55.7%-7.8 pts62.9%55.5%-7.4 pts
ROA1.34%1.40%+0.07 pts1.40%1.39%-0.01 pts

This read was prepared for Renasant Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Renasant Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.renasant.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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