Renasant Q3 2026 net income rises to $78.9M

Q: How much did RNST earn in Q3 2026?

Renasant reported $78.9 million in net income and $0.86 diluted EPS for the third quarter of 2026. Net income was $59.8 million and diluted EPS was $0.63 in the third quarter of 2025.

Q: How long does RNST's $175 million stock repurchase program last?

The program is effective October 27, 2026, and remains in effect until the earlier of October 2027 or repurchase of the entire authorized amount. It permits open-market purchases or privately negotiated transactions.

Q: Why did RNST deposits decline in Q3 2026?

Public-fund deposit outflows of $214.7 million contributed to the decline, partly offset by growth in consumer and commercial deposits.

A single credit accounted for 16 basis points of Renasant's 20-basis-point annualized net loan charge-off rate.

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Filing Sentiment

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Form Type

8-K

Rhea-AI Filing Summary

Renasant Corporation (RNST) reported third-quarter 2026 net income of $78.9 million, compared with $59.8 million a year earlier; diluted EPS was $0.86 versus $0.63. Net interest income on a fully tax-equivalent basis was $228.6 million, up $0.9 million linked quarter, while net interest margin was 3.77%, down 6 basis points linked quarter. Adjusted diluted EPS, a non-GAAP measure, was also $0.86.

Loans grew $555.9 million linked quarter to $19.752 billion as of September 30, 2026; deposits declined $73.2 million to $21.628 billion, including $214.7 million in public-fund outflows partly offset by consumer and commercial deposit growth. Short-term borrowings increased $491.3 million linked quarter, and the provision for loan losses rose $8.9 million. Nonperforming loans were 0.89% of total loans and criticized loans were 2.50%, down from 0.97% and 2.66%, respectively, at June 30, 2026. Renasant repurchased $42.6 million of common stock at a weighted-average price of $41.05 per share. Effective October 27, 2026, the board approved a $175.0 million repurchase program permitting open-market purchases or privately negotiated transactions through the earlier of October 2027 or repurchase of the full authorized amount.

1 point · 0 major

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Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

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How the balance works How Sentiment works

0 major · 2 points

Hollow bars mark forward-looking points. How the balance works

Positive

Moderate pointNet income: $78.9 million, versus $59.8 million in the third quarter of 2025.

Negative

Moderate pointProvision for loan losses rose $8.9 million linked quarter.
Minor point. Forward-looking: it has not happened yet and may not happen.Material weakness remediation is cited among forward-looking risks.

Insights

Analyzing...

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net income: $78.9 million Diluted EPS: $0.86 per share Net interest income, fully tax equivalent: $228.6 million +5 more

8 metrics

Net income $78.9 million Third quarter of 2026; $59.8 million in the third quarter of 2025

Diluted EPS $0.86 per share Third quarter of 2026; $0.63 per share in the third quarter of 2025

Net interest income, fully tax equivalent $228.6 million Third quarter of 2026; up $0.9 million linked quarter

Net interest margin 3.77% Third quarter of 2026; down 6 basis points linked quarter

Total loans $19.752 billion As of September 30, 2026

Total deposits $21.628 billion As of September 30, 2026

Provision for loan losses $10.1 million Third quarter of 2026

Stock repurchase program $175.0 million Approved effective October 27, 2026

Key Terms

fully tax equivalent, net interest margin, allowance for credit losses, criticized loans, +1 more

5 terms

fully tax equivalent financial

"net interest income, on a fully tax equivalent basis"

A fully tax equivalent amount converts income that is exempt from federal (and sometimes state) income tax into the pretax yield that a taxable investment would need to offer to match that after-tax return. It uses an investor’s marginal tax rate as the conversion factor, so investors can compare tax-free and taxable securities on an apples-to-apples basis, much like converting currencies to the same unit before comparing prices.

net interest margin financial

"Net interest margin, on a fully tax equivalent basis"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

allowance for credit losses financial

"allowance for credit losses on loans to total loans"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

criticized loans financial

"criticized loans (which include classified and special mention loans)"

Criticized loans are bank loans that examiners or the bank itself have flagged as showing signs of weakness—such as higher risk of late payments, reduced collateral value, or borrower stress—but that are not yet officially defaulted. They matter to investors because a growing pile of such loans can signal deteriorating credit quality and higher future losses for a lender, much like small warning lights on a car dashboard that suggest a problem that, if ignored, could lead to a breakdown.

nonperforming loans financial

"Nonperforming loans to total loans"

Nonperforming loans are loans on which borrowers have stopped making the scheduled interest or principal payments for an extended period (commonly 90 days or more) or are otherwise in serious danger of default. Think of them as IOUs that aren’t being repaid: they tie up a lender’s money, reduce future interest income, and force the lender to hold extra reserves or take losses. For investors, a rising share of nonperforming loans signals weakening credit quality, higher potential losses, and greater risk to a bank’s profitability and capital.

Earnings Snapshot

Net income: $78.9 million

Third quarter of 2026

Net income $78.9 million Compared with $59.8 million in the third quarter of 2025.

Diluted EPS $0.86 per share Compared with $0.63 per share in the third quarter of 2025.

Net interest income, fully tax equivalent $228.6 million Up $0.9 million linked quarter.

Net interest margin 3.77% Down 6 basis points linked quarter.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did RNST earn in Q3 2026?

Renasant reported $78.9 million in net income and $0.86 diluted EPS for the third quarter of 2026. Net income was $59.8 million and diluted EPS was $0.63 in the third quarter of 2025.

How long does RNST's $175 million stock repurchase program last?

The program is effective October 27, 2026, and remains in effect until the earlier of October 2027 or repurchase of the entire authorized amount. It permits open-market purchases or privately negotiated transactions.

Why did RNST deposits decline in Q3 2026?

Public-fund deposit outflows of $214.7 million contributed to the decline, partly offset by growth in consumer and commercial deposits.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/27/2026 - 04:34 PM EDT Accepted by SEC EDGAR 10/27/2026 - 04:34 PM EDT

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

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

October 27, 2026

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. ☐

Item 2.02. Results of Operations and Financial Condition.

On October 27, 2026, Renasant Corporation (the “Company”) issued a press release announcing earnings for the third quarter of 2026. The press release is furnished as Exhibit 99.1 to this Form 8-K.

Item 7.01. Regulation FD Disclosure

On October 27, 2026, the Company also made available presentation materials (the “Presentation”) prepared for use with its earnings conference call on October 28, 2026. The Presentation is attached hereto and incorporated herein as Exhibit 99.2.

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:

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,” or 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 the Company’s 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 (including the possibility that such cost savings will not be realized when expected, or at all, as a result of the impact of, or challenges arising from, the integration of the acquired assets and assumed liabilities into the Company, potential adverse reactions or changes to business or employee relationships, or as a result of other unexpected factors or events); (ii) potential exposure to unknown or contingent risks and liabilities the Company has acquired or may acquire; (iii) the effect of economic conditions and interest rates on a national, regional or international basis; (iv) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (v) the Company’s ability to remediate the material weakness in the its internal control over financial reporting identified in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (vii) the financial resources of, and products available from, competitors; (viii) changes in laws and regulations as well as changes in accounting standards; (ix) changes in governmental and

regulatory policy, whether applicable specifically to financial institutions or impacting the United States generally (such as, for example, changes in trade policy); (x) changes in the securities and foreign exchange markets; (xi) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (xii) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of the Company’s investment securities portfolio; (xiii) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xiv) changes in the sources and costs of the capital the Company uses to make loans and otherwise fund the Company’s operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xv) general economic, market or business conditions, including the impact of inflation; (xvi) changes in demand for loan and deposit products and other financial services; (xvii) concentrations of credit or deposit exposure; (xviii) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xix) losses resulting from fraudulent activity, including loan and deposit fraud and social engineering attacks targeting the Company’s customers, employees and third party vendors; (xx) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses, including as a result of sophisticated attacks using artificial intelligence (“AI”) and similar tools; (xxi) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxii) geopolitical conditions, including acts or threats of terrorism and actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad; (xxiii) the impact, extent and timing of technological changes, including the rapid development of AI technologies; and (xxiv) other circumstances, many of which are beyond management’s control.

Management believes that the assumptions underlying 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 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.

Item 9.01. Financial Statements and Exhibits.

(d) The following exhibits are furnished herewith:

Exhibit No. Description

99.1 Press release issued by Renasant Corporation announcing earnings for the third quarter of 2026

99.2 Presentation materials for Renasant Corporation Third Quarter 2026 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: October 27, 2026	By:	/s/ Kevin D. Chapman
		Kevin D. Chapman
		Chief Executive Officer


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 2026

TUPELO, MISSISSIPPI (October 27, 2026) - Renasant Corporation (NYSE: RNST) (the “Company”) today announced earnings results for the third quarter of 2026.


(Dollars in thousands, except earnings per share)	Three Months Ended			Nine Months Ended
	Sep 30, 2026	Jun 30, 2026	Sep 30, 2025	Sep 30, 2026	Sep 30, 2025
Net income and Earnings per share:
Net income	$78,949	$87,091	$59,788	$254,268	$102,324
Merger and conversion related expenses (net of tax)	—	—	(13,129)	—	(29,561)
Day 1 acquisition provision (net of tax)	—	—	—	—	(50,026)
Basic EPS	0.87	0.95	0.63	2.76	1.21
Diluted EPS	0.86	0.94	0.63	2.74	1.20
Adjusted diluted EPS (non-GAAP)(1)	0.86	0.94	0.77	2.74	2.13
Impact to diluted EPS from merger and conversion related expenses (net of tax)	—	—	(0.14)	—	(0.35)
Impact to diluted EPS from Day 1 acquisition provision (net of tax)	—	—	—	—	(0.59)

“Third quarter results reflect strong loan growth with a record level of loan production, continued momentum in core deposit growth and a stable core net interest margin. We maintained expense discipline alongside increased hiring efforts, were active in buybacks, and reduced our levels of criticized and nonperforming loans. We believe our team is well-positioned to build upon our year-to-date success as we grow customer relationships and hire talent throughout our footprint,” remarked Kevin D. Chapman, President and Chief Executive Officer of the Company.

Quarterly Highlights

Earnings

•Net income for the third quarter of 2026 was $78.9 million; both diluted EPS and adjusted diluted EPS (non-GAAP)(1) were $0.86

•Net interest income, on a fully tax equivalent basis, for the third quarter of 2026 was $228.6 million, up $0.9 million linked quarter

•Net interest margin, on a fully tax equivalent basis, for the third quarter of 2026 was 3.77%, down 6 basis points linked quarter. Adjusted net interest margin (non-GAAP)(1) was 3.58%, down 3 basis points linked quarter

•Cost of total deposits was 1.97% for the third quarter of 2026, up 1 basis point linked quarter

•Noninterest income decreased $1.9 million linked quarter, primarily due to rising mortgage interest rates that resulted in both decreased production of new loans and market value adjustments on pending loan sales

•Mortgage banking income decreased $1.9 million linked quarter. The mortgage division generated $520.6 million in interest rate lock volume in the third quarter of 2026, down $91.0 million linked quarter. Gain on sale margin was 1.75% for the third quarter of 2026, up 18 basis points linked quarter

Balance Sheet

•Loans increased $555.9 million linked quarter, representing an 11.5% annualized net loan increase, driven by strong production during the quarter and lower payoff activity on a linked quarter basis

•Securities decreased $33.1 million linked quarter. The Company purchased $196.9 million in securities during the third quarter, which was offset by a negative fair market value adjustment in the Company’s available-for-sale portfolio of $86.0 million and cash flows related to principal payments, calls and maturities of $153.5 million

•Deposits at September 30, 2026 decreased $73.2 million linked quarter. Outflows in public fund deposits of $214.7 million were partially offset by growth in consumer and commercial deposits. Noninterest bearing deposits represented 23.1% of total deposits at September 30, 2026 as compared to 23.2% at June 30, 2026

•Short-term borrowings increased $491.3 million linked quarter

•The Company redeemed $40.0 million in subordinated notes on September 1, 2026

Capital and Stock Repurchase Program

•Book value per share and tangible book value per share (non-GAAP)(1) increased 0.1% and decreased 0.2%, respectively, linked quarter

•During the third quarter of 2026, the Company repurchased $42.6 million of common stock at a weighted average price of $41.05 per share

•Effective October 27, 2026, the Company’s Board of Directors approved a $175.0 million stock repurchase program under which the Company is authorized to repurchase outstanding shares of its common stock either in open market purchases or privately negotiated transactions. This program, which will remain in effect until the earlier of October 2027 or the repurchase of the entire amount authorized under the plan, replaces the Company’s stock repurchase program that expired in October 2026

Credit Quality

•The Company recorded a provision for credit losses on loans and unfunded commitments of $10.1 million and $3.2 million, respectively, for the third quarter of 2026, representing an increase of $8.9 million and $0.6 million, respectively, linked quarter, primarily driven by growth in loans and unfunded commitments

•The ratio of the allowance for credit losses on loans to total loans was 1.50% at September 30, 2026, down 4 basis points linked quarter. The lower ACL ratio was primarily attributable to continued improvement in overall credit quality metrics and movements in the specific reserve, partially offset by strong loan growth during the quarter

•The coverage ratio, or the allowance for credit losses on loans to nonperforming loans, was 168.75% at September 30, 2026, compared to 158.73% at June 30, 2026

•Net loan charge-offs for the third quarter of 2026 were $10.0 million, or 0.20% annualized, of which 16 bps were attributable to a single credit

•Nonperforming loans to total loans decreased to 0.89% at September 30, 2026 compared to 0.97% at June 30, 2026 , and criticized loans (which include classified and special mention loans) to total loans decreased to 2.50% at September 30, 2026, compared to 2.66% at June 30, 2026

(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.

Income Statement


(Dollars in thousands, except per share data)	Three Months Ended										Nine Months Ended
	Sep 30, 2026		Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Sep 30, 2026		Sep 30, 2025
Interest income
Loans held for investment	$	304,902	$	296,346	$	295,397	$	305,604	$	308,110	$	896,645	$	806,470
Loans held for sale	2,983		3,329		2,876		3,617		4,675		9,188		12,322
Securities	34,441		35,660		32,266		30,232		30,217		102,367		70,742
Other	5,009		5,105		7,581		7,480		8,096		17,695		25,792
Total interest income	347,335		340,440		338,120		346,933		351,098		1,025,895		915,326
Interest expense
Deposits	107,022		106,398		103,860		105,673		115,573		317,280		306,880
Borrowings	16,624		11,288		10,701		13,867		12,005		38,613		31,870
Total interest expense	123,646		117,686		114,561		119,540		127,578		355,893		338,750
Net interest income	223,689		222,754		223,559		227,393		223,520		670,002		576,576
Provision for credit losses
Provision for loan losses	10,105		1,166		4,224		5,473		9,650		15,495		87,100

Provision for unfunded commitments	3,200		2,633		3,856		5,462		800		9,689		9,422
Total provision for credit losses	13,305		3,799		8,080		10,935		10,450		25,184		96,522
Net interest income after provision for credit losses	210,384		218,955		215,479		216,458		213,070		644,818		480,054
Noninterest income	49,275		51,190		50,272		51,125		46,026		150,737		130,755
Noninterest expense	160,334		161,501		155,328		170,750		183,830		477,163		480,910
Income before income taxes	99,325		108,644		110,423		96,833		75,266		318,392		129,899
Income taxes	20,376		21,553		22,195		17,885		15,478		64,124		27,575
Net income	$	78,949	$	87,091	$	88,228	$	78,948	$	59,788	$	254,268	$	102,324

Adjusted net income (non-GAAP)(1)	$	78,949	$	87,091	$	88,071	$	86,879	$	72,917	$	254,111	$	180,809
Adjusted pre-provision net revenue (“PPNR”) (non-GAAP)(1)	$	112,630	$	112,443	$	118,294	$	118,335	$	103,210	$	343,367	$	263,718

Basic earnings per share	$	0.87	$	0.95	$	0.94	$	0.84	$	0.63	$	2.76	$	1.21
Diluted earnings per share	0.86		0.94		0.94		0.83		0.63		2.74		1.20
Adjusted diluted earnings per share (non-GAAP)(1)	0.86		0.94		0.93		0.91		0.77		2.74		2.13
Average basic shares outstanding	90,925,375		91,650,415		93,693,615		94,469,544		94,623,551		92,079,661		84,403,694
Average diluted shares outstanding	91,557,082		92,220,282		94,228,343		95,172,380		95,284,603		92,661,200		84,934,390
Cash dividends per common share	$	0.24	$	0.24	$	0.23	$	0.23	$	0.22	$	0.71	$	0.66

Performance Ratios


	Three Months Ended										Nine Months Ended
	Sep 30, 2026		Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Sep 30, 2026		Sep 30, 2025
Return on average assets	1.16	%	1.30	%	1.33	%	1.17	%	0.90	%	1.26	%	0.58	%
Adjusted return on average assets (non-GAAP)(1)	1.16		1.30		1.33		1.29		1.09		1.26		1.03
Return on average tangible assets (non-GAAP)(1)	1.32		1.48		1.51		1.35		1.06		1.44		0.70
Adjusted return on average tangible assets (non-GAAP)(1)	1.32		1.48		1.51		1.47		1.27		1.44		1.17
Return on average equity	8.07		9.07		9.20		8.14		6.25		8.78		4.01
Adjusted return on average equity (non-GAAP)(1)	8.07		9.07		9.19		8.95		7.62		8.77		7.08
Return on average tangible equity (non-GAAP)(1)	14.51		16.25		16.36		14.80		11.87		15.70		7.69
Adjusted return on average tangible equity (non-GAAP)(1)	14.51		16.25		16.33		16.18		14.22		15.69		12.88
Efficiency ratio (fully taxable equivalent)	57.70		57.92		55.73		60.23		67.05		57.12		66.88
Adjusted efficiency ratio (non-GAAP)(1)	54.70		54.92		52.82		53.52		57.51		54.15		59.02
Dividend payout ratio	27.59		25.26		24.47		27.38		34.92		25.72		54.55

Capital and Balance Sheet Ratios


	As of
	Sep 30, 2026			Jun 30, 2026			Mar 31, 2026			Dec 31, 2025			Sep 30, 2025
Shares outstanding	90,356,578			91,403,230			92,881,329			94,636,207			95,020,881
Market value per share	$	38.88		$	42.54		$	36.13		$	35.22		$	36.89
Book value per share	42.41			42.35			41.63			41.05			40.26
Tangible book value per share (non-GAAP)(1)	25.29			25.34			25.00			24.65			23.77
Shareholders’ equity to assets	13.93		%	14.34		%	14.27		%	14.52		%	14.31		%
Tangible common equity ratio (non-GAAP)(1)	8.80			9.10			9.08			9.26			8.98
Leverage ratio(2)	9.54			9.55			9.54			9.61			9.46
Common equity tier 1 capital ratio(2)	10.92			11.06			11.22			11.24			11.04
Tier 1 risk-based capital ratio(2)	10.92			11.06			11.22			11.24			11.04
Total risk-based capital ratio(2)	15.52			15.94			14.77			14.78			14.88

(2) Preliminary

Noninterest Income and Noninterest Expense


(Dollars in thousands)	Three Months Ended										Nine Months Ended
	Sep 30, 2026		Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Sep 30, 2026		Sep 30, 2025
Noninterest income
Service charges on deposit accounts	$	15,270	$	14,516	$	14,740	$	14,535	$	13,416	$	44,526	$	37,398
Fees and commissions	4,942		5,471		4,654		5,192		4,167		15,067		14,604

Wealth management revenue	9,211		9,073		8,678		8,572		8,217		26,962		22,629
Mortgage banking income	7,323		9,178		9,435		8,924		9,017		25,936		28,427




BOLI income	4,045		4,608		3,689		3,697		4,235		12,342		10,547
Other	8,484		8,344		9,076		10,205		6,974		25,904		17,150
Total noninterest income	$	49,275	$	51,190	$	50,272	$	51,125	$	46,026	$	150,737	$	130,755
Noninterest expense
Salaries and employee benefits	$	95,871	$	96,228	$	91,749	$	98,082	$	98,982	$	283,848	$	270,481
Data processing	5,411		5,037		5,221		5,636		5,541		15,669		15,068
Net occupancy and equipment	18,016		18,018		18,031		16,123		18,415		54,065		47,528
Other real estate owned	366		453		1,399		481		328		2,218		1,170
Professional fees	3,935		4,518		4,402		4,327		3,435		12,855		10,542
Advertising and public relations	4,945		4,677		4,599		4,314		5,254		14,221		14,041
Intangible amortization	8,332		8,370		8,220		8,465		8,674		24,922		18,638
Communications	3,389		3,566		4,009		4,493		3,955		10,964		9,172
Merger and conversion related expenses	—		—		—		10,567		17,494		—		38,764



Other	20,069		20,634		17,698		18,262		21,752		58,401		55,506
Total noninterest expense	$	160,334	$	161,501	$	155,328	$	170,750	$	183,830	$	477,163	$	480,910

Mortgage Banking Income


(Dollars in thousands)	Three Months Ended										Nine Months Ended
	Sep 30, 2026		Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Sep 30, 2026		Sep 30, 2025
Gain on sales of loans, net(1)	$	2,390	$	4,760	$	5,305	$	5,243	$	5,270	$	12,455	$	15,086
Fees, net	2,945		3,470		2,842		2,970		3,050		9,257		9,107
Mortgage servicing income, net	1,988		948		1,288		711		697		4,224		4,234

Total mortgage banking income	$	7,323	$	9,178	$	9,435	$	8,924	$	9,017	$	25,936	$	28,427

(1) Gain on sales of loans, net includes pipeline fair value adjustments

Balance Sheet


(Dollars in thousands)	As of
	Sep 30, 2026		Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025
Assets
Cash and cash equivalents	$	734,518	$	881,203	$	1,216,980	$	1,070,718	$	1,083,785
Securities held to maturity, at amortized cost	956,981		983,032		1,006,511		1,030,073		1,051,884
Securities available for sale, at fair value	2,835,332		2,842,424		2,809,647		2,560,818		2,512,650
Loans held for sale, at fair value	200,709		241,588		230,980		265,959		286,779
Loans held for investment	19,752,119		19,196,172		18,975,248		19,047,039		19,025,521
Allowance for credit losses on loans	(296,094)		(296,008)		(295,862)		(293,955)		(297,591)
Loans, net	19,456,025		18,900,164		18,679,386		18,753,084		18,727,930
Premises and equipment, net	465,502		464,020		463,723		465,141		471,213
Other real estate owned	15,662		15,571		12,954		15,191		10,578

Goodwill	1,417,538		1,417,538		1,406,667		1,405,840		1,411,711
Other intangibles	129,690		138,022		138,392		146,612		155,077
Bank-owned life insurance	498,298		495,235		494,874		492,541		488,920
Mortgage servicing rights	67,129		65,816		64,850		65,271		65,466
Other assets	740,797		560,386		582,310		480,178		460,172
Total assets	$	27,518,181	$	27,004,999	$	27,107,274	$	26,751,426	$	26,726,165

Liabilities and Shareholders’ Equity
Liabilities
Deposits:
Noninterest-bearing	$	5,001,023	$	5,038,070	$	5,183,426	$	5,043,960	$	5,238,431
Interest-bearing	16,626,835		16,662,982		16,916,058		16,429,110		16,186,124
Total deposits	21,627,858		21,701,052		22,099,484		21,473,070		21,424,555
Short-term borrowings	806,481		315,225		305,863		555,774		606,063
Long-term debt	754,834		796,469		500,342		499,756		558,878
Other liabilities	496,908		320,875		334,667		337,921		310,891
Total liabilities	$	23,686,081	$	23,133,621	$	23,240,356	$	22,866,521	$	22,900,387

Shareholders’ equity:

Common stock	488,612		488,612		488,612		488,612		488,612
Treasury stock	(275,384)		(232,402)		(173,835)		(103,494)		(90,297)
Additional paid-in capital	2,394,732		2,390,839		2,388,649		2,392,997		2,389,033
Retained earnings	1,384,885		1,327,997		1,263,116		1,196,522		1,139,600
Accumulated other comprehensive loss	(160,745)		(103,668)		(99,624)		(89,732)		(101,170)
Total shareholders’ equity	3,832,100		3,871,378		3,866,918		3,884,905		3,825,778
Total liabilities and shareholders’ equity	$	27,518,181	$	27,004,999	$	27,107,274	$	26,751,426	$	26,726,165

Net Interest Income and Net Interest Margin


(Dollars in thousands)	Three Months Ended
	September 30, 2026						June 30, 2026						September 30, 2025
	Average Balance		Interest Income/ Expense(1)		Yield/ Rate(1)		Average Balance		Interest Income/ Expense(1)		Yield/ Rate(1)		Average Balance		Interest Income/ Expense(1)		Yield/ Rate(1)
Interest-earning assets:
Loans held for investment	$	19,417,475	$	308,666	6.31	%	$	19,060,083	$	300,112	6.31	%	$	18,750,715	$	311,903	6.60	%
Loans held for sale	195,976		2,983		6.09	%	223,489		3,329		5.96	%	290,756		4,675		6.43	%
Taxable securities	3,490,630		31,012		3.55	%	3,472,422		29,691		3.42	%	3,243,693		27,107		3.34	%
Tax-exempt securities	454,557		4,577		4.03	%	445,249		7,106		6.38	%	428,252		3,928		3.67	%
Total securities	3,945,187		35,589		3.61	%	3,917,671		36,797		3.76	%	3,671,945		31,035		3.38	%
Interest-bearing balances with banks	557,301		5,009		3.57	%	600,075		5,105		3.41	%	814,103		8,096		3.95	%
Total interest-earning assets	24,115,939		352,247		5.80	%	23,801,318		345,343		5.82	%	23,527,519		355,709		6.01	%
Cash and due from banks	243,532						264,246						306,847
Intangible assets	1,551,577						1,546,924						1,578,846
Other assets	1,187,852						1,187,805						1,043,384
Total assets	$	27,098,900					$	26,800,293					$	26,456,596
Interest-bearing liabilities:
Interest-bearing demand(2)	$	11,284,644	$	70,759	2.49	%	$	11,647,640	$	72,261	2.49	%	$	11,521,433	$	82,080	2.83	%
Savings deposits	1,300,364		978		0.30	%	1,307,314		944		0.29	%	1,299,396		943		0.29	%

Time deposits	3,908,181		35,285		3.58	%	3,760,192		33,193		3.54	%	3,398,402		32,550		3.80	%
Total interest-bearing deposits	16,493,189		107,022		2.57	%	16,715,146		106,398		2.55	%	16,219,231		115,573		2.83	%
Borrowed funds	1,362,872		16,624		4.86	%	891,081		11,288		5.07	%	961,980		12,005		4.97	%
Total interest-bearing liabilities	17,856,061		123,646		2.75	%	17,606,227		117,686		2.68	%	17,181,211		127,578		2.95	%
Noninterest-bearing deposits	5,058,509						5,038,879						5,226,588
Other liabilities	303,699						303,586						253,801
Shareholders’ equity	3,880,631						3,851,601						3,794,996
Total liabilities and shareholders’ equity	$	27,098,900					$	26,800,293					$	26,456,596
Net interest income/ net interest margin (FTE)			$	228,601	3.77	%			$	227,657	3.83	%			$	228,131	3.85	%
Cost of funding					2.14	%					2.08	%					2.26	%
Cost of total deposits					1.97	%					1.96	%					2.14	%

(1) Interest income and weighted average yields on tax-exempt loans and securities have been computed on a fully tax equivalent basis assuming a federal tax rate of 21%.

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

Net Interest Income and Net Interest Margin, continued


(Dollars in thousands)	Nine Months Ended
	September 30, 2026					September 30, 2025
	Average Balance		Interest Income/ Expense(1)		Yield/ Rate(1)	Average Balance		Interest Income/ Expense(1)		Yield/ Rate(1)
Interest-earning assets:
Loans held for investment	$	19,172,292	$	907,903	6.33%	$	16,743,048	$	816,241	6.52%
Loans held for sale	210,267		9,188		5.83%	260,172		12,322		6.32%
Taxable securities	3,448,380		89,564		3.46%	2,749,580		62,995		3.05%
Tax-exempt securities	444,278		16,225		4.87%	384,212		9,680		3.36%
Total securities	3,892,658		105,789		3.62%	3,133,792		72,675		3.09%
Interest-bearing balances with banks	659,385		17,695		3.59%	846,844		25,792		4.07%
Total interest-earning assets	23,934,602		1,040,575		5.81%	20,983,856		927,030		5.90%
Cash and due from banks	265,958					282,476
Intangible assets	1,548,927					1,392,393
Other assets	1,169,591					915,322
Total assets	$	26,919,078				$	23,574,047
Interest-bearing liabilities:
Interest-bearing demand(2)	$	11,556,200	$	215,045	2.49%	$	10,196,332	$	213,332	2.80%
Savings deposits	1,299,042		2,798		0.29%	1,146,732		2,686		0.31%

Time deposits	3,751,960		99,437		3.54%	3,095,753		90,862		3.92%
Total interest-bearing deposits	16,607,202		317,280		2.55%	14,438,817		306,880		2.84%
Borrowed funds	1,077,117		38,613		4.79%	853,071		31,870		4.99%
Total interest-bearing liabilities	17,684,319		355,893		2.69%	15,291,888		338,750		2.96%
Noninterest-bearing deposits	5,061,957					4,629,790
Other liabilities	299,227					237,417
Shareholders’ equity	3,873,575					3,414,952
Total liabilities and shareholders’ equity	$	26,919,078				$	23,574,047
Net interest income/ net interest margin (FTE)			$	684,682	3.82%			$	588,280	3.75%
Cost of funding					2.09%					2.27%
Cost of total deposits					1.96%					2.15%

(1) Interest income and weighted average yields on tax-exempt loans and securities have been computed on a fully tax equivalent basis assuming a federal tax rate of 21%.

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

Loan Portfolio


(Dollars in thousands)	As of
	Sep 30, 2026		Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025
Loan Portfolio:
Real estate - 1-4 family mortgage	$	4,632,718	$	4,568,039	$	4,584,118	$	4,635,033	$	4,642,657
Construction and Land Development	2,112,023		2,009,664		1,898,629		1,905,636		1,990,657
Commercial Real Estate - Non-Owner Occupied	6,373,047		6,123,500		6,135,543		6,245,480		6,120,677
Commercial Real Estate - Owner Occupied	3,388,836		3,332,728		3,357,965		3,334,664		3,321,186
Commercial and Industrial	3,150,897		3,063,069		2,895,477		2,818,326		2,834,669
Consumer	94,598		99,172		103,516		107,900		115,675
Total loans	$	19,752,119	$	19,196,172	$	18,975,248	$	19,047,039	$	19,025,521

Credit Quality and Allowance for Credit Losses on Loans


(Dollars in thousands)	As of
	Sep 30, 2026			Jun 30, 2026			Mar 31, 2026			Dec 31, 2025			Sep 30, 2025
Nonperforming Assets:
Nonaccruing loans	$	175,143		$	186,432		$	197,515		$	175,730		$	170,756
Loans 90 days or more past due	315			51			2,779			288			792
Total nonperforming loans	175,458			186,483			200,294			176,018			171,548
Other real estate owned	15,662			15,571			12,954			15,191			10,578
Total nonperforming assets	$	191,120		$	202,054		$	213,248		$	191,209		$	182,126

Criticized Loans
Classified loans	$	337,674		$	336,816		$	349,068		$	359,235		$	392,721
Special Mention loans	155,835			173,401			176,345			201,428			219,792
Criticized loans	$	493,509		$	510,217		$	525,413		$	560,663		$	612,513

Allowance for credit losses on loans	$	296,094		$	296,008		$	295,862		$	293,955		$	297,591
Net loan charge-offs	$	10,019		$	2,770		$	2,317		$	9,109		$	4,339
Annualized net loan charge-offs / average loans	0.20		%	0.06		%	0.05		%	0.19		%	0.09		%
Nonperforming loans / total loans	0.89			0.97			1.06			0.92			0.90
Nonperforming assets / total assets	0.69			0.75			0.79			0.71			0.68
Allowance for credit losses on loans / total loans	1.50			1.54			1.56			1.54			1.56
Allowance for credit losses on loans / nonperforming loans	168.75			158.73			147.71			167.00			173.47
Criticized loans / total loans	2.50			2.66			2.77			2.94			3.22

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 28, 2026.

The webcast is accessible through Renasant’s investor relations website at www.renasant.com or https://event.choruscall.com/mediaframe/webcast.html?webcastid=bTGfmpSS. To access the conference via telephone, dial 1-877-513-1143 in the United States and request the Renasant Corporation 2026 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 1-855-669-9658 in the United States and entering conference number 2791840 or by dialing 1-412-317-0088 internationally and entering the same conference number. Telephone replay access is available until November 11, 2026.

ABOUT RENASANT CORPORATION:

Renasant Corporation is the parent of Renasant Bank, a 122-year-old financial services institution. Renasant has assets of approximately $27.5 billion and operates 278 banking, lending, mortgage and wealth management offices throughout the Southeast and also offers factoring and asset-based lending on a nationwide basis.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS:

Important factors currently known to management that could cause the Company’s 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 (including the possibility that such cost savings will not be realized when expected, or at all, as a result of the impact of, or challenges arising from, the integration of the acquired assets and assumed liabilities into the Company, potential adverse reactions or changes to business or employee relationships, or as a result of other unexpected factors or events); (ii) potential exposure to unknown or contingent risks and liabilities the Company has acquired or may acquire; (iii) the effect of economic conditions and interest rates on a national, regional or international basis; (iv) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (v) the Company’s ability to remediate the material weakness in its internal control over financial reporting identified in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (vii) the financial resources of, and products available from, competitors; (viii) changes in laws and regulations as well as changes in accounting standards; (ix) changes in governmental and regulatory policy, whether applicable specifically to financial institutions or impacting the United States generally (such as, for example, changes in trade policy); (x) changes in the securities and foreign exchange markets; (xi) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (xii) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of the Company’s investment securities portfolio;

(xiii) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xiv) changes in the sources and costs of the capital the Company uses to make loans and otherwise fund the Company’s operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xv) general economic, market or business conditions, including the impact of inflation; (xvi) changes in demand for loan and deposit products and other financial services; (xvii) concentrations of credit or deposit exposure; (xviii) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xix) losses resulting from fraudulent activity, including loan and deposit fraud and social engineering attacks targeting the Company’s customers, employees and third party vendors; (xx) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses, including as a result of sophisticated attacks using artificial intelligence (“AI”) and similar tools; (xxi) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxii) geopolitical conditions, including acts or threats of terrorism and actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad; (xxiii) the impact, extent and timing of technological changes, including the rapid development of AI technologies; and (xxiv) 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 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.

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, namely, (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) the adjusted return on average assets and on average equity and certain other performance ratios (namely, the ratio of pre-provision net revenue to average assets 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, including related amortization, and/or certain gains or charges, 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 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.

None of the non-GAAP financial information that the Company has included in this release or the accompanying presentation slides is 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.

Non-GAAP Reconciliations


(Dollars in thousands, except per share data)	Three Months Ended										Nine Months Ended
	Sep 30, 2026		Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Sep 30, 2026		Sep 30, 2025
Adjusted Pre-Provision Net Revenue (“PPNR”)
Net income (GAAP)	$	78,949	$	87,091	$	88,228	$	78,948	$	59,788	$	254,268	$	102,324
Income taxes	20,376		21,553		22,195		17,885		15,478		64,124		27,575
Provision for credit losses (including unfunded commitments)	13,305		3,799		8,080		10,935		10,450		25,184		96,522
Pre-provision net revenue (non-GAAP)	$	112,630	$	112,443	$	118,503	$	107,768	$	85,716	$	343,576	$	226,421
Merger and conversion related expenses	—		—		—		10,567		17,494		—		38,764



Gain on sales of MSR	—		—		(209)		—		—		(209)		(1,467)






Adjusted pre-provision net revenue (non-GAAP)	$	112,630	$	112,443	$	118,294	$	118,335	$	103,210	$	343,367	$	263,718

Adjusted Net Income and Adjusted Tangible Net Income
Net income (GAAP)	$	78,949	$	87,091	$	88,228	$	78,948	$	59,788	$	254,268	$	102,324
Amortization of intangibles	8,332		8,370		8,220		8,465		8,674		24,922		18,638
Tax effect of adjustments noted above(1)	(2,075)		(2,084)		(2,047)		(2,112)		(2,164)		(6,206)		(4,641)
Tangible net income (non-GAAP)	$	85,206	$	93,377	$	94,401	$	85,301	$	66,298	$	272,984	$	116,321

Net income (GAAP)	$	78,949	$	87,091	$	88,228	$	78,948	$	59,788	$	254,268	$	102,324
Merger and conversion related expenses	—		—		—		10,567		17,494		—		38,764
Day 1 acquisition provision for loan losses	—		—		—		—		—		—		62,190
Day 1 acquisition provision for unfunded commitments	—		—		—		—		—		—		4,422



Gain on sales of MSR	—		—		(209)		—		—		(209)		(1,467)







Tax effect of adjustments noted above(1)	—		—		52		(2,636)		(4,365)		52		(25,424)
Adjusted net income (non-GAAP)	$	78,949	$	87,091	$	88,071	$	86,879	$	72,917	$	254,111	$	180,809
Amortization of intangibles	8,332		8,370		8,220		8,465		8,674		24,922		18,638
Tax effect of adjustments noted above(1)	(2,075)		(2,084)		(2,047)		(2,112)		(2,164)		(6,206)		(4,641)
Adjusted tangible net income (non-GAAP)	$	85,206	$	93,377	$	94,244	$	93,232	$	79,427	$	272,827	$	194,806

Tangible Assets and Tangible Shareholders’ Equity
Average shareholders’ equity (GAAP)	$	3,880,631	$	3,851,601	$	3,888,581	$	3,849,791	$	3,794,996	$	3,873,575	$	3,414,952
Average intangible assets	(1,551,577)		(1,546,924)		(1,548,244)		(1,563,189)		(1,578,846)		(1,548,927)		(1,392,393)
Average tangible shareholders’ equity (non-GAAP)	$	2,329,054	$	2,304,677	$	2,340,337	$	2,286,602	$	2,216,150	$	2,324,648	$	2,022,559

Average assets (GAAP)	$	27,098,900	$	26,800,293	$	26,855,360	$	26,693,539	$	26,456,596	$	26,919,078	$	23,574,047
Average intangible assets	(1,551,577)		(1,546,924)		(1,548,244)		(1,563,189)		(1,578,846)		(1,548,927)		(1,392,393)
Average tangible assets (non-GAAP)	$	25,547,323	$	25,253,369	$	25,307,116	$	25,130,350	$	24,877,750	$	25,370,151	$	22,181,654

Shareholders’ equity (GAAP)	$	3,832,100	$	3,871,378	$	3,866,918	$	3,884,905	$	3,825,778	$	3,832,100	$	3,825,778
Intangible assets	(1,547,228)		(1,555,560)		(1,545,059)		(1,552,452)		(1,566,788)		(1,547,228)		(1,566,788)
Tangible shareholders’ equity (non-GAAP)	$	2,284,872	$	2,315,818	$	2,321,859	$	2,332,453	$	2,258,990	$	2,284,872	$	2,258,990

Total assets (GAAP)	$	27,518,181	$	27,004,999	$	27,107,274	$	26,751,426	$	26,726,165	$	27,518,181	$	26,726,165
Intangible assets	(1,547,228)		(1,555,560)		(1,545,059)		(1,552,452)		(1,566,788)		(1,547,228)		(1,566,788)
Total tangible assets (non-GAAP)	$	25,970,953	$	25,449,439	$	25,562,215	$	25,198,974	$	25,159,377	$	25,970,953	$	25,159,377


Adjusted Performance Ratios
Return on average assets (GAAP)	1.16		%	1.30		%	1.33		%	1.17		%	0.90		%		1.26		%	0.58		%
Adjusted return on average assets (non-GAAP)	1.16			1.30			1.33			1.29			1.09				1.26			1.03
Return on average tangible assets (non-GAAP)	1.32			1.48			1.51			1.35			1.06				1.44			0.70
Pre-provision net revenue to average assets (non-GAAP)	1.65			1.68			1.79			1.60			1.29				1.71			1.28
Adjusted pre-provision net revenue to average assets (non-GAAP)	1.65			1.68			1.79			1.76			1.55				1.71			1.50
Adjusted return on average tangible assets (non-GAAP)	1.32			1.48			1.51			1.47			1.27				1.44			1.17
Return on average equity (GAAP)	8.07			9.07			9.20			8.14			6.25				8.78			4.01
Adjusted return on average equity (non-GAAP)	8.07			9.07			9.19			8.95			7.62				8.77			7.08
Return on average tangible equity (non-GAAP)	14.51			16.25			16.36			14.80			11.87				15.70			7.69
Adjusted return on average tangible equity (non-GAAP)	14.51			16.25			16.33			16.18			14.22				15.69			12.88

Adjusted Diluted Earnings Per Share
Average diluted shares outstanding	91,557,082			92,220,282			94,228,343			95,172,380			95,284,603				92,661,200			84,934,390

Diluted earnings per share (GAAP)	$	0.86		$	0.94		$	0.94		$	0.83		$	0.63			$	2.74		$	1.20
Adjusted diluted earnings per share (non-GAAP)	$	0.86		$	0.94		$	0.93		$	0.91		$	0.77			$	2.74		$	2.13

Tangible Book Value Per Share
Shares outstanding	90,356,578			91,403,230			92,881,329			94,636,207			95,020,881				90,356,578			95,020,881

Book value per share (GAAP)	$	42.41		$	42.35		$	41.63		$	41.05		$	40.26			$	42.41		$	40.26
Tangible book value per share (non-GAAP)	$	25.29		$	25.34		$	25.00		$	24.65		$	23.77			$	25.29		$	23.77

Tangible Common Equity Ratio
Shareholders’ equity to assets (GAAP)	13.93		%	14.34		%	14.27		%	14.52		%	14.31		%		13.93		%	14.31		%
Tangible common equity ratio (non-GAAP)	8.80		%	9.10		%	9.08		%	9.26		%	8.98		%		8.80		%	8.98		%

Adjusted Efficiency Ratio
Net interest income (FTE) (GAAP)	$	228,601		$	227,657		$	228,424		$	232,361		$	228,131			$	684,682		$	588,280

Total noninterest income (GAAP)	$	49,275		$	51,190		$	50,272		$	51,125		$	46,026			$	150,737		$	130,755

Gain on sales of MSR	—			—			(209)			—			—				(209)			(1,467)




Total adjusted noninterest income (non-GAAP)	$	49,275		$	51,190		$	50,063		$	51,125		$	46,026			$	150,528		$	129,288

Noninterest expense (GAAP)	$	160,334		$	161,501		$	155,328		$	170,750		$	183,830			$	477,163		$	480,910
Amortization of intangibles	(8,332)			(8,370)			(8,220)			(8,465)			(8,674)			—	(24,922)			(18,638)
Merger and conversion expense	—			—			—			(10,567)			(17,494)				—			(38,764)




Total adjusted noninterest expense (non-GAAP)	$	152,002		$	153,131		$	147,108		$	151,718		$	157,662			$	452,241		$	423,508

Efficiency ratio (GAAP)	57.70		%	57.92		%	55.73		%	60.23		%	67.05		%		57.12		%	66.88		%
Adjusted efficiency ratio (non-GAAP)	54.70		%	54.92		%	52.82		%	53.52		%	57.51		%		54.15		%	59.02		%


Adjusted Net Interest Income and Adjusted Net Interest Margin
Net interest income (FTE) (GAAP)	$	228,601		$	227,657		$	228,424		$	232,361		$	228,131		$	684,682		$	588,280
Net interest income collected on problem loans	(841)			(1,166)			(210)			(2,767)			(664)			(2,217)			(4,469)
Accretion recognized on purchased loans	(10,481)			(12,327)			(15,248)			(13,632)			(16,862)			(38,056)			(35,254)
Amortization recognized on purchased time deposits	—			—			—			—			2,995			—			7,391
Amortization recognized on purchased long term borrowings	336			336			336			335			837			1,008			1,909
Adjustments to net interest income	$	(10,986)		$	(13,157)		$	(15,122)		$	(16,064)		$	(13,694)		$	(39,265)		$	(30,423)
Adjusted net interest income (FTE) (non-GAAP)	$	217,615		$	214,500		$	213,302		$	216,297		$	214,437		$	645,417		$	557,857

Net interest margin (FTE) (GAAP)	3.77		%	3.83		%	3.87		%	3.89		%	3.85		%	3.82		%	3.75		%
Adjusted net interest margin (FTE) (non-GAAP)	3.58		%	3.61		%	3.61		%	3.62		%	3.62		%	3.60		%	3.55		%

Adjusted Loan Yield
Loan interest income (FTE) (GAAP)	$	308,666		$	300,112		$	299,125		$	309,667		$	311,903		$	907,903		$	816,241
Net interest income collected on problem loans	(841)			(1,166)			(210)			(2,767)			(664)			(2,217)			(4,469)
Accretion recognized on purchased loans	(10,481)			(12,327)			(15,248)			(13,632)			(16,862)			(38,056)			(35,254)
Adjusted loan interest income (FTE) (non-GAAP)	$	297,344		$	286,619		$	283,667		$	293,268		$	294,377		$	867,630		$	776,518

Loan yield (GAAP)	6.31		%	6.31		%	6.37		%	6.45		%	6.60		%	6.33		%	6.52		%
Adjusted loan yield (non-GAAP)	6.08		%	6.03		%	6.04		%	6.11		%	6.23		%	6.05		%	6.20		%

(1) Tax effect is calculated based on the respective legal entity’s appropriate federal and state tax rates (as applicable) for the period, and includes the estimated impact of both current and deferred tax expense.

###

Third Quarter 2026 Earnings Call

Forward-Looking Statements This presentation may contain various statements about Renasant Corporation (“Renasant,” the “Company,” “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,” or 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 the Company’s 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 (including the possibility that such cost savings will not be realized when expected, or at all, as a result of the impact of, or challenges arising from, the integration of the acquired assets and assumed liabilities into the Company, potential adverse reactions or changes to business or employee relationships, or as a result of other unexpected factors or events); (ii) potential exposure to unknown or contingent risks and liabilities the Company has acquired or may acquire; (iii) the effect of economic conditions and interest rates on a national, regional or international basis; (iv) timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (v) our ability to remediate the material weakness in the Company’s internal control over financial reporting identified in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) on March 2, 2026; (vi) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (vii) the financial resources of, and products available from, competitors; (viii) changes in laws and regulations as well as changes in accounting standards; (ix) changes in governmental and regulatory policy, whether applicable specifically to financial institutions or impacting the United States generally (such as, for example, changes in trade policy); (x) changes in the securities and foreign exchange markets; (xi) the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (xii) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of the Company’s investment securities portfolio; (xiii) an insufficient allowance for credit losses as a result of inaccurate assumptions; (xiv) changes in the sources and costs of the capital the Company uses to make loans and otherwise fund the Company’s operations, due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings; (xv) general economic, market or business conditions, including the impact of inflation; (xvi) changes in demand for loan and deposit products and other financial services; (xvii) concentrations of credit or deposit exposure; (xviii) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (xix) losses resulting from fraudulent activity, including loan and deposit fraud and social engineering attacks targeting our customers, employees and third party vendors; (xx) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses, including as a result of sophisticated attacks using artificial intelligence (“AI”) and similar tools; (xxi) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxii) geopolitical conditions, including acts or threats of terrorism and actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad; (xxiii) the impact, extent and timing of technological changes, including the rapid development of AI technologies; and (xxiv) 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 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

Loans TN 12% MS 25% AL 23% FL 10% LA 5% GA 25% Deposits TN 8% MS 39% AL 14% FL 8% LA 3% GA 28% * Overview * Republic Business Credit operates on a nationwide basis. Locations in California, Illinois and Texas are not shown. Snapshot Footprint Loans and Deposits by State(1) Note: As of September 30, 2026 (1) As determined by the office or branch of origination 3 Assets: $27.5 billion Loans: 19.8 Deposits: 21.6 Equity: 3.8

Third Quarter Highlights • Net income was $78.9 million, with both diluted EPS and adjusted diluted EPS (non-GAAP)(1) of $0.86 • Net interest margin was 3.77%, down 6 basis points linked quarter; adjusted net interest margin (non-GAAP)(1) was 3.58%, down 3 basis points linked quarter • Loans increased $555.9 million linked quarter, or 11.5% annualized • Deposits decreased $73.2 million linked quarter. Outflows in public fund deposits of $214.7 million were offset by growth in consumer and commercial deposits. Noninterest bearing deposits represented 23.1% of total deposits at September 30, 2026 • Short-term borrowings increased $491.3 million linked quarter • Loan yield was flat at 6.31%; adjusted loan yield (non-GAAP)(1) increased 5 basis points linked quarter to 6.08% • Cost of total deposits increased 1 basis point linked quarter to 1.97% • The ratio of the allowance for credit losses on loans to total loans decreased 4 basis points to 1.50% linked quarter • Net loan charge-offs for the third quarter of 2026 were $10.0 million, or 0.20% annualized, primarily attributable to one credit • Nonperforming loans represented 0.89% of total loans, a decrease of 8 basis points linked quarter, and criticized loans to total loans decreased 16 basis points to 2.50% linked quarter • During the third quarter of 2026, the Company repurchased $42.6 million of common stock at a weighted average price of $41.05 (1) Adjusted diluted EPS, Adjusted net interest margin, Adjusted loan yield, Adjusted ROAA, ROATCE, Adjusted ROATCE 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”. 4 Net Income $78.9 million Diluted EPS 0.86 Adjusted Diluted EPS (non-GAAP)(1) 0.86 Net Interest Margin 3.77% Adjusted Net Interest Margin (non- GAAP)(1) 3.58 Return on Average Assets (“ROAA”) 1.16 Adjusted ROAA (non-GAAP)(1) 1.16 Return on Average Tangible Equity (“ROATCE”) (non-GAAP)(1) 14.51 Adjusted ROATCE (non-GAAP)(1) 14.51 Efficiency Ratio 57.70 Adjusted Efficiency Ratio (non-GAAP)(1) 54.70

$26,726 $26,751 $27,107 $27,005 $27,518 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $19,026 $19,047 $18,975 $19,196 $19,752 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $21,425 $21,473 $22,099 $21,701 $21,628 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $3,826 $3,885 $3,867 $3,871 $3,832 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Balance Sheet Assets ($mm) Loans ($mm) Deposits ($mm) Equity ($mm) 5

(1) Includes money market deposits (2) Excludes time deposits and public fund deposits Composition ($000s) Quarter Highlights $21,627,858 $21,701,052 $22,099,484 $21,473,070 $21,424,555 Noninterest-bearing Interest-bearing Savings Time 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 Deposit Funding • Deposits declined $73.2 million in 3Q 2026 primarily due to the outflow of public fund deposits of $214.7 million, offset by growth in consumer and commercial deposits • Noninterest-bearing deposits: 23.1% of total deposits • Average deposit account balance: $35,847 • Average commercial account balance: $87,468(2) • Average consumer account balance: $14,445(2) • Top 20 depositors: 3.9% of total deposits(2) Customer Mix 45% 45% 44% 44% 44% 38% 38% 37% 38% 39% 17% 17% 19% 18% 17% Consumer Commercial Public Funds 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2.14% 1.97% 1.94% 1.96% 1.97% 2.83% 2.60% 2.54% 2.55% 2.57% Total cost of deposits Cost of total interest-bearing deposits 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Cost of Deposits 6 (1)

Cash and Securities to Total Assets Loans to Deposits Average Interest Earning Asset Mix (3Q 2026) 17.4% 17.4% 18.6% 17.4% 16.5% 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 89% 89% 86% 88% 91% 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 81% 1% 16% 2% Loans Held for Investment Loans Held for Sale Securities Interest Bearing Balances With Banks Liquidity Position 7

14.31% 14.52% 14.27% 14.34% 13.93% 8.98% 9.26% 9.08% 9.10% 8.80% Shareholders' equity to assets Tangible common equity ratio (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 11.04% 11.24% 11.22% 11.06% 10.92% 14.88% 14.78% 14.77% 15.94% 15.52% Common equity tier 1 capital ratio Total risk-based capital ratio 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Quarter Highlights • During the third quarter of 2026, the Company repurchased $42.6 million of common stock at a weighted average price of $41.05 • Effective October 27, 2026, the Company’s Board of Directors approved a $175.0 million stock repurchase program under which the Company is authorized to repurchase outstanding shares of its common stock either in open market purchases or privately negotiated transactions. This plan, which will remain in effect until the earlier of October 2027 or the repurchase of the entire amount authorized under the plan, replaces the Company’s stock repurchase program that expired October 2026 • The Company redeemed $40.0 million in subordinated notes on September 1, 2026 (1) Tangible Common Equity Ratio 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”. $40.26 $41.05 $41.63 $42.35 $42.41 $23.77 $24.65 $25.00 $25.34 $25.29 Book Value Tangible Book Value (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Capital Position Equity to Assets / Tangible Common Equity Ratio (non-GAAP)(1) Common Equity Tier 1 Ratio / Total Risk-based Capital Ratio Book Value / Tangible Book Value (non-GAAP)(1) 8 (1) (1)

QoQ Loans HFI Bridge ($mm) $19,196 $65 $102 $250 $56 $88 $(5) $19,752 Q 2 2026 RE-1-4 Fam ily C&LD NO O CRE O O CRE C&I Consum er Q 3 2026 Quarter Highlights • Loans increased $555.9 million linked quarter. The increase was driven by strong production during the quarter and lower payoff activity on a linked quarter basis • Average loan balance: $342,111 23% 11% 32% 17% 16% 1% Real estate - 1-4 Family Mortgage Construction and Land Development Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Owner Occupied Commercial and Industrial Consumer Loan Composition 9

$950 $914 $609 $957 $1,205 $757 $806 $827 $901 $835 Production Advances 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $587 $876 $813 $895 $790 $657 $706 $695 $742 $694 Payoffs Paydowns 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $19,196 $1,205 $835 $(790) $(694) $19,752 2Q 2026 Production Advances Payoffs Paydowns 3Q 2026 Loan Activity QoQ Loan Bridge ($mm) Production & Advance Trends ($mm) Payoff & Paydown Trends ($mm) 10

$297,591 $293,955 $295,862 $296,008 $296,094 1.56% 1.54% 1.56% 1.54% 1.50% 0.09% 0.19% 0.05% 0.06% 0.20% ACL ACL / Loans Net Charge-offs / Average Loans 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $612,513 $560,663 $525,413 $510,217 $493,509 3.22% 2.94% 2.77% 2.66% 2.50% Criticized Loans Criticized Loans / Total Loans 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Asset Quality Criticized Loans ($000s)Allowance for Credit Losses & Net Charge-offs ($000s) 0.26% 0.47% 0.36% 0.16% 0.19% Loans 30-89 Past Due / Total Loans 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Accruing Loans 30-89 Days Past DueQuarter Highlights • Average NPL balance: $299,416 • 98% of accruing criticized loans are current • Average criticized loan balance: $481,943 • Net charge-offs of 20 bps were primarily concentrated in a single credit, accounting for 16 bps of the total 11

0.68% 0.71% 0.79% 0.75% 0.69% 0.90% 0.92% 1.06% 0.97% 0.89% NPAs / Total Assets NPLs / Total Loans 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $61,784 $8,795 $45,907 $20,384 $38,455 $133 Real Estate 1-4 Family Mortgage Construction and Land Development Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Owner-Occupied Commercial and Industrial Consumer NPLs by Loan Category ($000s) Asset Quality (cont.) Nonperforming Loans & Nonperforming Assets $171,548 $176,018 $200,294 $186,483 $175,458 173% 167% 148% 159% 169% Nonperforming Loans ACL / Nonperforming Loans 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Nonperforming Loans ($000s) 12

$0.63 $0.83 $0.94 $0.94 $0.86 $0.77 $0.91 $0.93 $0.94 $0.86 Diluted EPS (GAAP) Adjusted Diluted EPS (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $228.1 $232.4 $228.4 $227.7 $228.6$214.4 $216.3 $213.3 $214.5 $217.6 Net interest income (FTE) Adjusted net interest income (FTE) (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Note: Dollars in millions except per share amounts. (1) 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”. $85.7 $107.8 $118.5 $112.4 $112.6 $103.2 $118.3 $118.3 $112.4 $112.6 PPNR (non-GAAP) Adjusted PPNR (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $59.8 $78.9 $88.2 $87.1 $78.9 $72.9 $86.9 $88.1 $87.1 $78.9 Net Income Adjusted Net Income (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Profitability Diluted EPS / Adjusted Diluted EPS (non-GAAP)(1) Net Income / Adjusted Net Income (non-GAAP)(1) PPNR (non-GAAP)(1) / Adjusted PPNR (Non-GAAP)(1)Net Interest Income (FTE) / Adjusted Net Interest Income (FTE) (Non-GAAP)(1) 13 (1) (1) (1) (1) (1)

(1) Adjusted ROAA, Adjusted ROTCE, PPNR/Average Assets and Adjusted PPNR/Average Assets 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”. 0.90% 1.17% 1.33% 1.30% 1.16% 1.09% 1.29% 1.33% 1.30% 1.16% ROAA (GAAP) ROAA (Adjusted) (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 6.25% 8.14% 9.20% 9.07% 8.07% 14.22% 16.18% 16.33% 16.25% 14.51% ROAE (GAAP) ROTCE (Adjusted) (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 1.29% 1.60% 1.79% 1.68% 1.65% 1.55% 1.76% 1.79% 1.68% 1.65% PPNR/Average Assets (non-GAAP) Adjusted PPNR/Average Assets (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Profitability Ratios ROAA / Adjusted ROAA (non-GAAP)(1) ROAE / Adjusted ROTCE (non-GAAP)(1) PPNR (non-GAAP)(1) / Adjusted PPNR Ratios (non-GAAP)(1) 14 (1) (1) (1) (1)

3.85% 3.89% 3.87% 3.83% 3.77% 3.62% 3.62% 3.61% 3.61% 3.58% Net Interest Margin Adjusted Net Interest Margin (FTE) (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 (1) 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”. 6.60% 6.45% 6.37% 6.31% 6.31% 6.23% 6.11% 6.04% 6.03% 6.08% Loan yield Adjusted Loan Yield (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 • Scheduled accretion and accelerated accretion recognized on acquired loans were $9.0 million and $1.5 million, respectively, for the third quarter of 2026, which included scheduled credit accretion and accelerated credit accretion of $2.8 million and $0.6 million, respectively • Accelerated bond discount accretion contributed $2.7 million to net interest income in the second quarter (4 bps). Excluding this, adjusted net interest margin increased 2 bps linked quarter Net Interest Margin (FTE) and Loan Yield Net Interest Margin (FTE) / Adjusted Net Interest Margin (FTE) (non-GAAP)(1) Loan Yield / Adjusted Loan Yield (non-GAAP)(1) Adjusted Net Interest Margin (FTE) (non-GAAP)(1) Bridge Accretion 3.61% 0.06 (0.04) (0.05) 3.58% 2Q2026 Loans Other Earning Assets IB Liabilities 3Q2026 15 (1) (1)

• Noninterest income decreased $1.9 million linked quarter, primarily reflecting lower mortgage banking income due to higher mortgage interest rates, lower production and market value adjustments on loans held for sales in process $49,275 $51,190 $50,272 $51,125 $46,026 Service charges Fees and commissions Wealth management Mortgage banking BOLI Other 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 Noninterest Income Composition ($000s) Quarter Highlights 16

• Noninterest expense decreased $1.2 million linked quarter, driven primarily by a decline in deferred compensation expense tied to market valuations and an increase in deferred loan costs driven by loan growth, offset by higher health insurance claims Quarter Highlights 57.51% 53.52% 52.82% 54.92% 54.70% 67.05% 60.23% 55.73% 57.92% 57.70% Efficiency Ratio Adjusted efficiency ratio (non-GAAP) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 $160,334 $161,501 $155,328 $170,750 $183,830 Salaries and employee benefits Data processing Net occupancy and equipment Advertising and public relations Merger and conversion expenses Intangible amortization Other 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 Noninterest Expense Efficiency Ratio Composition ($000s) (1) Adjusted Efficiency Ratio is a non-GAAP financial measure. 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”. 17 (1)

Appendix

(Dollars in millions) Repricing Term(1) Rate Structure Total Loans 3 mos or less 3-12 mos 1-3 years 3-5 years 5-15 years Over 15 years Total Variable Fixed Commercial and Industrial $ 2,122 $ 153 $ 318 $ 393 $ 163 $ 2 $ 3,151 $ 2,099 $ 1,052 Commercial Real Estate - Owner-Occupied 1,353 223 542 832 406 33 3,389 1,480 1,909 Commercial Real Estate - Non-Owner Occupied 3,678 569 918 847 349 12 6,373 3,798 2,575 Construction and Land Development 1,602 71 65 248 74 52 2,112 1,622 490 Real Estate 1-4 Family Mortgage 1,056 304 428 616 762 1,467 4,633 2,585 2,048 Consumer 26 17 28 17 6 — 94 16 78 Total $ 9,837 $ 1,337 $ 2,299 $ 2,953 $ 1,760 $ 1,566 $ 19,752 $ 11,600 $ 8,152 Weighted Average Rate - Fixed 5.2 % 5.0 % 6.0 % 6.1 % 4.8 % 5.5 % 5.6 % Weighted Average Rate - Variable 6.7 % 6.0 % 5.5 % 5.7 % 5.5 % 4.9 % 6.4 % % Fixed 5.0 % 72.9 % 83.2 % 82.7 % 69.1 % 70.9 % 41.3 % % Variable 95.0 % 27.1 % 16.8 % 17.3 % 30.9 % 29.1 % 58.7 % Note: As of September 30, 2026 (1) Based on maturity date for fixed rate loans and variable rate loans that are at their floor or ceiling Loan Repricing and Maturity 19

Note: As of September 30, 2026 Agency CMO 28% Agency MBS 35% Municipal 14% Agency CMBS 14% SBA 8% Other 1% • Amortized cost of $4.0 billion; GAAP value of $3.8 billion, which represents 13.8% of total assets • Duration of 4.0 years • 24% of portfolio HTM based on par value ◦ 10.9% of HTM are CRA investments ◦ 28.6% of HTM are Municipals • Unrealized losses in AOCI on securities totaled $232.1 million ($174.1 million, net of tax); unrealized losses in AOCI on HTM securities totaled $46.3 million ($34.6 million, net of tax) $4.0 Billion Securities Composition (Amortized Cost) Quarter Highlights 20

16% 22% 20% 9% 7% 7% 12% 4% 3% Warehouse/Industrial Retail Multi-family Self Storage Medical Office Office (non-medical) Hotel Senior Housing Other Quarter Highlights Note: As of September 30, 2026; LTV is calculated using the most recent appraisal available. (1) Based on commitment amount (2) Includes reserves for both loans evaluated collectively and those individually evaluated (Dollars in millions) Retail Multi-Family Warehouse/ Industrial Amount $1,421.7 $1,250.2 $1,054.6 Avg Loan Size(1) $1.6 $2.5 $2.6 Percent of Loans 7.2% 6.3% 5.3% Past Due or Nonaccrual 0.16% 0.08% 0.71% ACL Reserve(2) 0.70% 1.55% 0.34% WA LTV 55.8% 54.4% 54.2% Loans <75% LTV 88.6% 93.5% 94.7% Percent in Footprint 96.8% 99.8% 91.2% Q3 Loan Growth 3.7% 7.7% 10.7% Commercial Real Estate - Non-owner Occupied $6.4 Billion Composition 32.3% $2.1 million 55.4% 0.10% 0.72% % of Loans Avg Loan Size(1) WA LTV 30-89 Days NPLs(2) 21

Note: As of September 30, 2026; LTV is calculated using the most recent appraisal available. (1) Based on commitment amount (2) Includes reserves for both loans evaluated collectively and those individually evaluated 19% 24% 8% 16% 4% 10% 5% 9% 3% 1%1% 1-4 Family Land & Dev. Commercial Owner-Occupied Multi-family Office Retail Self Storage Warehouse / Industrial Hotels Other Senior Housing Amount ($mm) $2,112.0 Avg Loan Size ($mm)(1) $1.3 Percent of Loans 10.7% Past Due or Nonaccrual 0.43% ACL Reserve(2) 2.14% WA LTV 64.7% Loans <75% LTV 80.8% Percent in Footprint 95.7% Q3 Loan Growth 5.1% Construction and Land Development $2.1 Billion Composition Quarter Highlights 22

Quarterly ACL Changes $296,008 $6,830 $(1,669) $(1,434) $(165) $(3,476) $296,094 2Q 2026 Balance Changes Q-Factor Changes Loss Rates Loan Credit Migration Other Individually Evaluated 3Q 2026 Note: Dollars in thousands (1) Net Charge-offs are included in Other Individually Evaluated 23 (1)

3Q 2025 2Q 2026 3Q 2026 Gain on sales of loans, net $ 5,270 $ 4,760 $ 2,390 Fees, net 3,050 3,470 2,945 Mortgage servicing income, net 697 948 1,988 Mortgage banking income, net $ 9,017 $ 9,178 $ 7,323 3Q 2025 2Q 2026 3Q 2026 Wholesale 39 32 32 Retail 61 68 68 Purchase 77 79 77 Refinance 23 21 23 $590.2 $489.5 $542.3 $611.6 $520.6 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 (1) 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 1.32% 1.99% 1.85% 1.57% 1.75% 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Mortgage Banking Mortgage Banking Income ($000s) Mix (%) Locked Volume ($mm) Gain on Sale Margin(1) 24

Source: View Original Filing on SEC EDGAR

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