Renasant Corporation (NYSE: RNST) Q2 2026 profit surges to $87.1M

Q: How did Renasant (RNST) perform financially in Q2 2026?

Renasant reported Q2 2026 net income of $87.1 million and diluted EPS of $0.94 , compared with $1.0 million and $0.01 a year earlier. Net interest margin was 3.83% , and return on average assets was 1.30% , indicating improved profitability.

Q: What happened to Renasant (RNST) loans and deposits in Q2 2026?

Total loans rose to $19.2 billion , increasing $220.9 million linked quarter, including a $58.3 million Republic Business Credit portfolio. Deposits were $21.7 billion , down $398.4 million, largely from $367.7 million in seasonal public-fund outflows.

Q: How strong are Renasant (RNST) credit quality metrics for Q2 2026?

Credit quality remained solid, with nonperforming loans at 0.97% of total loans and an allowance for credit losses on loans of 1.54% . Net loan charge-offs were $2.8 million , or 0.06% annualized, and criticized loans were 2.66% of total loans.

Q: What capital and shareholder return actions did Renasant (RNST) take in Q2 2026?

Renasant maintained strong capital, including a tangible common equity ratio of 9.10% and CET1 ratio of 11.06% . It repurchased $60.0 million of stock at $39.54 average price and increased its quarterly dividend to $0.24 per share .

Q: Did Renasant (RNST) raise any debt in Q2 2026?

Yes. On May 7, 2026, Renasant issued $300.0 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 , adding long-term subordinated capital to support its balance sheet and growth.

Q: What are the key noninterest income and expense trends for Renasant (RNST)?

Noninterest income was $51.2 million in Q2 2026, up $0.9 million linked quarter, helped by fees and BOLI income. Noninterest expense was $161.5 million , up $6.2 million, driven by higher compensation-related items, health insurance claims and annual merit increases.

Q: What efficiency and profitability ratios did Renasant (RNST) report for Q2 2026?

The efficiency ratio was 57.92% , with an adjusted efficiency ratio of 54.92% . Return on average tangible equity was 16.25% , and adjusted return on average tangible assets was 1.48% , reflecting solid profitability and operating efficiency.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Renasant Corporation reported strong second-quarter 2026 results, with net income of $87.1 million and diluted EPS of $0.94, compared with $1.0 million and $0.01 a year earlier. For the first six months, net income was $175.3 million versus $42.5 million in the prior-year period.

Net interest income on a fully tax-equivalent basis was $227.7 million and the net interest margin was 3.83%, slightly below 3.85% a year earlier, while the adjusted margin held at 3.61%. Loans increased $220.9 million during the quarter to $19.2 billion, including a $58.3 million portfolio acquired by Republic Business Credit. Deposits were $21.7 billion, down $398.4 million sequentially, largely from $367.7 million in seasonal public-fund outflows; noninterest-bearing deposits were 23.2% of the total.

Asset quality metrics remained solid: net loan charge-offs were $2.8 million, or 0.06% annualized, nonperforming loans were 0.97% of total loans, and the allowance for credit losses on loans was 1.54% of loans with coverage of 158.73% of nonperforming loans. Capital remained strong, with a tangible common equity ratio of 9.10%, common equity tier 1 ratio of 11.06%, and tangible book value per share of $25.34. The company repurchased $60.0 million of stock at an average price of $39.54, issued $300.0 million of 6.25% subordinated notes due 2036, and increased its quarterly dividend to $0.24 per share.

Positive

Q2 2026 net income $87.1M versus $1.0M in Q2 2025.
Six-month net income $175.3M versus $42.5M in prior year period.
Robust capital with tangible common equity ratio 9.10% and CET1 11.06%.
Credit quality solid: nonperforming loans 0.97% and net charge-offs 0.06% annualized.

Negative

Company highlights a material weakness in internal control over financial reporting identified in its 2025 Form 10-K.

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, and exhibit attachments filed with this report.

Key Figures

Q2 2026 Net Income: $87,091 thousand Q2 2026 Diluted EPS: 0.94 Net Interest Margin (FTE): 3.83% +5 more

8 metrics

Q2 2026 Net Income $87,091 thousand Net income for the three months ended June 30, 2026

Q2 2026 Diluted EPS 0.94 Diluted earnings per share for the three months ended June 30, 2026

Net Interest Margin (FTE) 3.83% Net interest margin on a fully tax equivalent basis for Q2 2026

Loans Outstanding $19,196,172 thousand Loans held for investment as of June 30, 2026

Total Deposits $21,701,052 thousand Deposits as of June 30, 2026

Allowance for Credit Losses Ratio 1.54% Allowance for credit losses on loans to total loans at June 30, 2026

Nonperforming Loans Ratio 0.97% Nonperforming loans to total loans at June 30, 2026

Tangible Common Equity Ratio 9.10% Tangible common equity ratio as of June 30, 2026

Key Terms

pre-provision net revenue, tangible common equity ratio, Day 1 acquisition provision, nonperforming loans, +1 more

5 terms

pre-provision net revenue financial

"Pre-provision net revenue (non-GAAP) was $112,443 for Q2 2026"

Pre-provision net revenue is a bank’s income from core operations — interest earned minus interest paid plus fees and other operating income, after operating costs — measured before setting aside funds for potential loan losses. Investors use it to gauge how well a bank’s everyday business generates money independent of one-time loss reserves, like judging a store’s sales and operating profit before accounting for an expected number of returned items.

tangible common equity ratio financial

"Tangible common equity ratio (non-GAAP) was 9.10% at June 30, 2026"

Tangible common equity ratio measures how much real, loss-absorbing capital common shareholders have relative to a company's tangible assets—calculated by removing intangible items (like goodwill) and preferred equity from total equity and comparing that net amount to tangible assets. Think of it as the thickness of a safety cushion made of solid, visible value rather than accounting entries; investors use it to judge how well a company could withstand losses and protect common shareholders' claims.

Day 1 acquisition provision financial

"Impact to diluted EPS from Day 1 acquisition provision (net of tax)"

nonperforming loans financial

"Nonperforming loans to total loans decreased to 0.97% at June 30, 2026"

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.

criticized loans financial

"Criticized loans to total loans decreased to 2.66% at June 30, 2026"

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.

Earnings Snapshot

Net income: $87,091 thousand

quarter ended June 30, 2026

Net income $87,091 thousand vs $1,018 thousand in Q2 2025

Diluted EPS 0.94 vs 0.01 in Q2 2025

Net interest income (FTE) $227,657 thousand vs $222,717 thousand in Q2 2025

Net interest margin (FTE) 3.83% vs 3.85% in Q2 2025

Return on average assets 1.30% vs 0.02% in Q2 2025

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

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Understanding 8-K Material Events →

Available on EDGAR 07/28/2026 - 04:38 PM Accepted by SEC EDGAR 07/28/2026 - 04:37 PM

FAQ

How did Renasant (RNST) perform financially in Q2 2026?

Renasant reported Q2 2026 net income of $87.1 million and diluted EPS of $0.94, compared with $1.0 million and $0.01 a year earlier. Net interest margin was 3.83%, and return on average assets was 1.30%, indicating improved profitability.

What happened to Renasant (RNST) loans and deposits in Q2 2026?

Total loans rose to $19.2 billion, increasing $220.9 million linked quarter, including a $58.3 million Republic Business Credit portfolio. Deposits were $21.7 billion, down $398.4 million, largely from $367.7 million in seasonal public-fund outflows.

How strong are Renasant (RNST) credit quality metrics for Q2 2026?

Credit quality remained solid, with nonperforming loans at 0.97% of total loans and an allowance for credit losses on loans of 1.54%. Net loan charge-offs were $2.8 million, or 0.06% annualized, and criticized loans were 2.66% of total loans.

What capital and shareholder return actions did Renasant (RNST) take in Q2 2026?

Renasant maintained strong capital, including a tangible common equity ratio of 9.10% and CET1 ratio of 11.06%. It repurchased $60.0 million of stock at $39.54 average price and increased its quarterly dividend to $0.24 per share.

Did Renasant (RNST) raise any debt in Q2 2026?

Yes. On May 7, 2026, Renasant issued $300.0 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036, adding long-term subordinated capital to support its balance sheet and growth.

What are the key noninterest income and expense trends for Renasant (RNST)?

Noninterest income was $51.2 million in Q2 2026, up $0.9 million linked quarter, helped by fees and BOLI income. Noninterest expense was $161.5 million, up $6.2 million, driven by higher compensation-related items, health insurance claims and annual merit increases.

What efficiency and profitability ratios did Renasant (RNST) report for Q2 2026?

The efficiency ratio was 57.92%, with an adjusted efficiency ratio of 54.92%. Return on average tangible equity was 16.25%, and adjusted return on average tangible assets was 1.48%, reflecting solid profitability and operating efficiency.

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

July 28, 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 July 28, 2026, Renasant Corporation (the “Company”) issued a press release announcing earnings for the second quarter of 2026. The press release is furnished as Exhibit 99.1 to this Form 8-K.

Item 7.01. Regulation FD Disclosure

On July 28, 2026, the Company also made available presentation materials (the “Presentation”) prepared for use with its earnings conference call on July 29, 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 second quarter of 2026

99.2 Presentation materials for Renasant Corporation Second 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: July 28, 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 SECOND QUARTER OF 2026

TUPELO, MISSISSIPPI (July 28, 2026) - Renasant Corporation (NYSE: RNST) (the “Company”) today announced earnings results for the second quarter of 2026.


(Dollars in thousands, except earnings per share)	Three Months Ended			Six Months Ended
	Jun 30, 2026	Mar 31, 2026	Jun 30, 2025	Jun 30, 2026	Jun 30, 2025
Net income and Earnings per share:
Net income	$87,091	$88,228	$1,018	$175,319	$42,536
Merger and conversion related expenses (net of tax)	—	—	(15,935)	—	(16,527)
Day 1 acquisition provision (net of tax)	—	—	(50,026)	—	(50,026)
Basic EPS	0.95	0.94	0.01	1.89	0.54
Diluted EPS	0.94	0.94	0.01	1.88	0.53
Adjusted diluted EPS (non-GAAP)(1)	0.94	0.93	0.69	1.88	1.36
Impact to diluted EPS from merger and conversion related expenses (net of tax)	—	—	(0.17)	—	(0.21)
Impact to diluted EPS from Day 1 acquisition provision (net of tax)	—	—	(0.53)	—	(0.63)

“Second quarter results were strong, and together with the first quarter, we have six months of financial performance that is well ahead of last year’s levels. We believe our team is operating at a high level and has positioned us to continue producing strong profitability as we pursue opportunities for added growth throughout our footprint,” remarked Kevin D. Chapman, President and Chief Executive Officer of the Company.

Quarterly Highlights

Earnings

•Net income for the second quarter of 2026 was $87.1 million; both diluted EPS and adjusted diluted EPS (non-GAAP)(1) were $0.94

•Net interest income, on a fully tax equivalent basis, for the second quarter of 2026 was $227.7 million, down $0.8 million linked quarter

•Net interest margin, on fully tax equivalent basis, for the second quarter of 2026 was 3.83%, down 4 basis points linked quarter. Adjusted net interest margin (non-GAAP)(1) was flat at 3.61%

•Cost of total deposits was 1.96% for the second quarter of 2026, up 2 basis points linked quarter

•Noninterest income increased $0.9 million linked quarter

•Mortgage banking income decreased $0.3 million linked quarter. The mortgage division generated $611.6 million in interest rate lock volume in the second quarter of 2026, up $69.3 million linked quarter. Gain on sale margin was 1.57% for the second quarter of 2026, down 28 basis points linked quarter

•Noninterest expense increased $6.2 million linked quarter, driven primarily by deferred compensation accruals tied to market valuations, higher health insurance claims and annual merit increases

Balance Sheet

•Loans increased $220.9 million linked quarter, representing a 4.7% annualized net loan increase. Included in this increase is a $58.3 million loan portfolio that Renasant Bank’s subsidiary, Republic Business Credit, acquired during the quarter

•Securities increased $9.3 million linked quarter. The Company purchased $162.4 million in securities during the second quarter, which was offset by a negative fair market value adjustment in the Company’s available-for-sale portfolio of $9.2 million and cash flows related to principal payments, calls and maturities of $146.5 million

•Deposits at June 30, 2026 decreased $398.4 million linked quarter. Seasonal outflows in public fund deposits accounted for $367.7 million of the decrease. Noninterest bearing deposits decreased $145.4 million linked quarter and represented 23.2% of total deposits at June 30, 2026 as compared to 23.5% at March 31, 2026

Capital and Stock Repurchase Program

•Book value per share and tangible book value per share (non-GAAP)(1) increased 1.7% and 1.4%, respectively, linked quarter

•Effective April 28, 2026, the Company’s quarterly cash dividend was increased to $0.24 per share

•The Company has a $250.0 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. The program will remain in effect until the earlier of October 2026 or the repurchase of the entire amount authorized under the plan. During the second quarter of 2026, the Company repurchased $60.0 million of common stock at a weighted average price of $39.54. As of June 30, 2026, $101.8 million in repurchase authorization remained available under the program

•On May 7, 2026, the Company completed a subordinated debt offering, issuing $300.0 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036

Credit Quality

•The Company recorded a provision for credit losses on loans and unfunded commitments of $1.2 million and $2.6 million, respectively, for the second quarter of 2026, representing a decrease of $3.1 million and $1.2 million, respectively, linked quarter

•The ratio of the allowance for credit losses on loans to total loans was 1.54% at June 30, 2026, down 2 basis points linked quarter

•The coverage ratio, or the allowance for credit losses on loans to nonperforming loans, was 158.73% at June 30, 2026, compared to 147.71% at March 31, 2026

•Net loan charge-offs for the second quarter of 2026 were $2.8 million, or 0.06% annualized

•Nonperforming loans to total loans decreased to 0.97% at June 30, 2026 compared to 1.06% at March 31, 2026 , and criticized loans (which include classified and Special Mention loans) to total loans decreased to 2.66% at June 30, 2026, compared to 2.77% at March 31, 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										Six Months Ended
	Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Jun 30, 2025		Jun 30, 2026		Jun 30, 2025
Interest income
Loans held for investment	$	296,346	$	295,397	$	305,604	$	308,110	$	301,794	$	591,743	$	498,360
Loans held for sale	3,329		2,876		3,617		4,675		4,639		6,205		7,647
Securities	35,660		32,266		30,232		30,217		28,408		67,926		40,525
Other	5,105		7,581		7,480		8,096		9,057		12,686		17,696
Total interest income	340,440		338,120		346,933		351,098		343,898		678,560		564,228
Interest expense
Deposits	106,398		103,860		105,673		115,573		111,921		210,258		191,307
Borrowings	11,288		10,701		13,867		12,005		13,118		21,989		19,865
Total interest expense	117,686		114,561		119,540		127,578		125,039		232,247		211,172
Net interest income	222,754		223,559		227,393		223,520		218,859		446,313		353,056
Provision for credit losses
Provision for loan losses	1,166		4,224		5,473		9,650		75,400		5,390		77,450

Provision for unfunded commitments	2,633		3,856		5,462		800		5,922		6,489		8,622
Total provision for credit losses	3,799		8,080		10,935		10,450		81,322		11,879		86,072
Net interest income after provision for credit losses	218,955		215,479		216,458		213,070		137,537		434,434		266,984
Noninterest income	51,190		50,272		51,125		46,026		48,334		101,462		84,729
Noninterest expense	161,501		155,328		170,750		183,830		183,204		316,829		297,080
Income before income taxes	108,644		110,423		96,833		75,266		2,667		219,067		54,633
Income taxes	21,553		22,195		17,885		15,478		1,649		43,748		12,097
Net income	$	87,091	$	88,228	$	78,948	$	59,788	$	1,018	$	175,319	$	42,536

Adjusted net income (non-GAAP)(1)	$	87,091	$	88,071	$	86,879	$	72,917	$	65,877	$	175,162	$	107,987
Adjusted pre-provision net revenue (“PPNR”) (non-GAAP)(1)	$	112,443	$	118,294	$	118,335	$	103,210	$	103,001	$	230,737	$	160,508

Basic earnings per share	$	0.95	$	0.94	$	0.84	$	0.63	$	0.01	$	1.89	$	0.54
Diluted earnings per share	0.94		0.94		0.83		0.63		0.01		1.88		0.53
Adjusted diluted earnings per share (non-GAAP)(1)	0.94		0.93		0.91		0.77		0.69		1.88		1.36
Average basic shares outstanding	91,650,415		93,693,615		94,469,544		94,623,551		94,580,927		92,666,370		79,209,073
Average diluted shares outstanding	92,220,282		94,228,343		95,172,380		95,284,603		95,136,160		93,219,350		79,671,775
Cash dividends per common share	$	0.24	$	0.23	$	0.23	$	0.22	$	0.22	$	0.47	$	0.44

Performance Ratios


	Three Months Ended										Six Months Ended
	Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Jun 30, 2025		Jun 30, 2026		Jun 30, 2025
Return on average assets	1.30	%	1.33	%	1.17	%	0.90	%	0.02	%	1.32	%	0.39	%
Adjusted return on average assets (non-GAAP)(1)	1.30		1.33		1.29		1.09		1.01		1.32		0.98
Return on average tangible assets (non-GAAP)(1)	1.48		1.51		1.35		1.06		0.13		1.50		0.48
Adjusted return on average tangible assets (non-GAAP)(1)	1.48		1.51		1.47		1.27		1.18		1.50		1.12
Return on average equity	9.07		9.20		8.14		6.25		0.11		9.14		2.66
Adjusted return on average equity (non-GAAP)(1)	9.07		9.19		8.95		7.62		7.06		9.13		6.76
Return on average tangible equity (non-GAAP)(1)	16.25		16.36		14.80		11.87		1.43		16.30		5.24
Adjusted return on average tangible equity (non-GAAP)(1)	16.25		16.33		16.18		14.22		13.50		16.29		12.10
Efficiency ratio (fully taxable equivalent)	57.92		55.73		60.23		67.05		67.59		56.83		66.78
Adjusted efficiency ratio (non-GAAP)(1)	54.92		52.82		53.52		57.51		57.07		53.87		59.95
Dividend payout ratio	25.26		24.47		27.38		34.92		2200.00		24.87		81.48

Capital and Balance Sheet Ratios


	As of
	Jun 30, 2026			Mar 31, 2026			Dec 31, 2025			Sep 30, 2025			Jun 30, 2025
Shares outstanding	91,403,230			92,881,329			94,636,207			95,020,881			95,019,311
Market value per share	$	42.54		$	36.13		$	35.22		$	36.89		$	35.93
Book value per share	42.35			41.63			41.05			40.26			39.77
Tangible book value per share (non-GAAP)(1)	25.34			25.00			24.65			23.77			23.10
Shareholders’ equity to assets	14.34		%	14.27		%	14.52		%	14.31		%	14.19		%
Tangible common equity ratio (non-GAAP)(1)	9.10			9.08			9.26			8.98			8.77
Leverage ratio(2)	9.55			9.54			9.61			9.46			9.36
Common equity tier 1 capital ratio(2)	11.06			11.22			11.24			11.04			11.08
Tier 1 risk-based capital ratio(2)	11.06			11.22			11.24			11.04			11.08
Total risk-based capital ratio(2)	15.94			14.77			14.78			14.88			14.97

(2) Preliminary

Noninterest Income and Noninterest Expense


(Dollars in thousands)	Three Months Ended										Six Months Ended
	Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Jun 30, 2025		Jun 30, 2026		Jun 30, 2025
Noninterest income
Service charges on deposit accounts	$	14,516	$	14,740	$	14,535	$	13,416	$	13,618	$	29,256	$	23,982
Fees and commissions	5,471		4,654		5,192		4,167		6,650		10,125		10,437

Wealth management revenue	9,073		8,678		8,572		8,217		7,345		17,751		14,412
Mortgage banking income	9,178		9,435		8,924		9,017		11,263		18,613		19,410




BOLI income	4,608		3,689		3,697		4,235		3,383		8,297		6,312
Other	8,344		9,076		10,205		6,974		6,075		17,420		10,176
Total noninterest income	$	51,190	$	50,272	$	51,125	$	46,026	$	48,334	$	101,462	$	84,729
Noninterest expense
Salaries and employee benefits	$	96,228	$	91,749	$	98,082	$	98,982	$	99,542	$	187,977	$	171,499
Data processing	5,037		5,221		5,636		5,541		5,438		10,258		9,527
Net occupancy and equipment	18,018		18,031		16,123		18,415		17,359		36,049		29,113
Other real estate owned	453		1,399		481		328		157		1,852		842
Professional fees	4,518		4,402		4,327		3,435		4,223		8,920		7,107
Advertising and public relations	4,677		4,599		4,314		5,254		4,490		9,276		8,787
Intangible amortization	8,370		8,220		8,465		8,674		8,884		16,590		9,964
Communications	3,566		4,009		4,493		3,955		3,184		7,575		5,217
Merger and conversion related expenses	—		—		10,567		17,494		20,479		—		21,270



Other	20,634		17,698		18,262		21,752		19,448		38,332		33,754
Total noninterest expense	$	161,501	$	155,328	$	170,750	$	183,830	$	183,204	$	316,829	$	297,080

Mortgage Banking Income


(Dollars in thousands)	Three Months Ended										Six Months Ended
	Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Jun 30, 2025		Jun 30, 2026		Jun 30, 2025
Gain on sales of loans, net(1)	$	4,760	$	5,305	$	5,243	$	5,270	$	5,316	$	10,065	$	9,816
Fees, net	3,470		2,842		2,970		3,050		3,740		6,312		6,057
Mortgage servicing income, net	948		1,288		711		697		2,207		2,236		3,537

Total mortgage banking income	$	9,178	$	9,435	$	8,924	$	9,017	$	11,263	$	18,613	$	19,410

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

Balance Sheet


(Dollars in thousands)	As of
	Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Jun 30, 2025
Assets
Cash and cash equivalents	$	881,203	$	1,216,980	$	1,070,718	$	1,083,785	$	1,378,612
Securities held to maturity, at amortized cost	983,032		1,006,511		1,030,073		1,051,884		1,076,817
Securities available for sale, at fair value	2,842,424		2,809,647		2,560,818		2,512,650		2,471,487
Loans held for sale, at fair value	241,588		230,980		265,959		286,779		356,791
Loans held for investment	19,196,172		18,975,248		19,047,039		19,025,521		18,563,447
Allowance for credit losses on loans	(296,008)		(295,862)		(293,955)		(297,591)		(290,770)
Loans, net	18,900,164		18,679,386		18,753,084		18,727,930		18,272,677
Premises and equipment, net	464,020		463,723		465,141		471,213		465,100
Other real estate owned	15,571		12,954		15,191		10,578		11,750

Goodwill	1,417,538		1,406,667		1,405,840		1,411,711		1,419,782
Other intangibles	138,022		138,392		146,612		155,077		163,751
Bank-owned life insurance	495,235		494,874		492,541		488,920		486,613
Mortgage servicing rights	65,816		64,850		65,271		65,466		64,539
Other assets	560,386		582,310		480,178		460,172		457,056
Total assets	$	27,004,999	$	27,107,274	$	26,751,426	$	26,726,165	$	26,624,975

Liabilities and Shareholders’ Equity
Liabilities
Deposits:
Noninterest-bearing	$	5,038,070	$	5,183,426	$	5,043,960	$	5,238,431	$	5,356,153
Interest-bearing	16,662,982		16,916,058		16,429,110		16,186,124		16,226,484
Total deposits	21,701,052		22,099,484		21,473,070		21,424,555		21,582,637
Short-term borrowings	315,225		305,863		555,774		606,063		405,349
Long-term debt	796,469		500,342		499,756		558,878		556,976
Other liabilities	320,875		334,667		337,921		310,891		301,159
Total liabilities	$	23,133,621	$	23,240,356	$	22,866,521	$	22,900,387	$	22,846,121

Shareholders’ equity:

Common stock	488,612		488,612		488,612		488,612		488,612
Treasury stock	(232,402)		(173,835)		(103,494)		(90,297)		(90,248)
Additional paid-in capital	2,390,839		2,388,649		2,392,997		2,389,033		2,393,566
Retained earnings	1,327,997		1,263,116		1,196,522		1,139,600		1,100,965
Accumulated other comprehensive loss	(103,668)		(99,624)		(89,732)		(101,170)		(114,041)
Total shareholders’ equity	3,871,378		3,866,918		3,884,905		3,825,778		3,778,854
Total liabilities and shareholders’ equity	$	27,004,999	$	27,107,274	$	26,751,426	$	26,726,165	$	26,624,975

Net Interest Income and Net Interest Margin


(Dollars in thousands)	Three Months Ended
	June 30, 2026						March 31, 2026						June 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	$	19,060,083	$	300,112	6.31	%	$	19,035,115	$	299,125	6.37	%	$	18,448,000	$	304,834	6.63	%
Loans held for sale	223,489		3,329		5.96	%	211,507		2,876		5.44	%	287,855		4,639		6.45	%
Taxable securities	3,472,422		29,691		3.42	%	3,380,880		28,861		3.41	%	3,106,565		24,917		3.21	%
Tax-exempt securities	445,249		7,106		6.38	%	432,789		4,542		4.20	%	462,732		4,309		3.72	%
Total securities	3,917,671		36,797		3.76	%	3,813,669		33,403		3.50	%	3,569,297		29,226		3.28	%
Interest-bearing balances with banks	600,075		5,105		3.41	%	823,706		7,581		3.73	%	901,803		9,057		4.03	%
Total interest-earning assets	23,801,318		345,343		5.82	%	23,883,997		342,985		5.81	%	23,206,955		347,756		6.01	%
Cash and due from banks	264,246						290,611						357,338
Intangible assets	1,546,924						1,548,244						1,589,490
Other assets	1,187,805						1,132,508						1,029,082
Total assets	$	26,800,293					$	26,855,360					$	26,182,865
Interest-bearing liabilities:
Interest-bearing demand(2)	$	11,647,640	$	72,261	2.49	%	$	11,741,333	$	72,025	2.49	%	$	11,191,443	$	76,542	2.74	%
Savings deposits	1,307,314		944		0.29	%	1,289,327		876		0.28	%	1,322,007		1,032		0.31	%

Time deposits	3,760,192		33,193		3.54	%	3,583,946		30,959		3.50	%	3,404,482		34,347		4.05	%
Total interest-bearing deposits	16,715,146		106,398		2.55	%	16,614,606		103,860		2.54	%	15,917,932		111,921		2.82	%
Borrowed funds	891,081		11,288		5.07	%	973,114		10,701		4.44	%	1,036,045		13,118		5.07	%
Total interest-bearing liabilities	17,606,227		117,686		2.68	%	17,587,720		114,561		2.64	%	16,953,977		125,039		2.96	%
Noninterest-bearing deposits	5,038,879						5,088,817						5,233,976
Other liabilities	303,586						290,242						249,861
Shareholders’ equity	3,851,601						3,888,581						3,745,051
Total liabilities and shareholders’ equity	$	26,800,293					$	26,855,360					$	26,182,865
Net interest income/ net interest margin (FTE)			$	227,657	3.83	%			$	228,424	3.87	%			$	222,717	3.85	%
Cost of funding					2.08	%					2.05	%					2.26	%
Cost of total deposits					1.96	%					1.94	%					2.12	%

(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)	Six Months Ended
	June 30, 2026					June 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	$	19,047,668	$	599,237	6.34%	$	15,722,576	$	504,338	6.47%
Loans held for sale	217,531		6,205		5.71%	244,626		7,647		6.25%
Taxable securities	3,426,904		58,552		3.42%	2,498,428		35,888		2.87%
Tax-exempt securities	439,053		11,648		5.31%	361,827		5,752		3.18%
Total securities	3,865,957		70,200		3.63%	2,860,255		41,640		2.91%
Interest-bearing balances with banks	711,273		12,686		3.60%	863,486		17,696		4.13%
Total interest-earning assets	23,842,429		688,328		5.81%	19,690,943		571,321		5.84%
Cash and due from banks	277,356					270,088
Intangible assets	1,547,581					1,297,622
Other assets	1,160,309					850,231
Total assets	$	26,827,675				$	22,108,884
Interest-bearing liabilities:
Interest-bearing demand(2)	$	11,694,228	$	144,286	2.49%	$	9,522,800	$	131,252	2.78%
Savings deposits	1,298,370		1,820		0.28%	1,069,134		1,743		0.33%

Time deposits	3,672,555		64,152		3.52%	2,941,920		58,312		3.99%
Total interest-bearing deposits	16,665,153		210,258		2.54%	13,533,854		191,307		2.85%
Borrowed funds	931,871		21,989		4.74%	797,714		19,865		5.00%
Total interest-bearing liabilities	17,597,024		232,247		2.66%	14,331,568		211,172		2.97%
Noninterest-bearing deposits	5,063,710					4,326,445
Other liabilities	296,952					229,098
Shareholders’ equity	3,869,989					3,221,773
Total liabilities and shareholders’ equity	$	26,827,675				$	22,108,884
Net interest income/ net interest margin (FTE)			$	456,081	3.85%			$	360,149	3.68%
Cost of funding					2.07%					2.28%
Cost of total deposits					1.95%					2.16%

(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
	Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Jun 30, 2025
Loan Portfolio:
Real estate - 1-4 family mortgage	$	4,568,039	$	4,584,118	$	4,635,033	$	4,642,657	$	4,648,443
Construction and Land Development	2,009,664		1,898,629		1,905,636		1,990,657		1,795,197
Commercial Real Estate - Non-Owner Occupied	6,123,500		6,135,543		6,245,480		6,120,677		5,953,135
Commercial Real Estate - Owner Occupied	3,332,728		3,357,965		3,334,664		3,321,186		3,288,005
Commercial and Industrial	3,063,069		2,895,477		2,818,326		2,834,669		2,756,491
Consumer	99,172		103,516		107,900		115,675		122,176
Total loans	$	19,196,172	$	18,975,248	$	19,047,039	$	19,025,521	$	18,563,447

Credit Quality and Allowance for Credit Losses on Loans


(Dollars in thousands)	As of
	Jun 30, 2026			Mar 31, 2026			Dec 31, 2025			Sep 30, 2025			Jun 30, 2025
Nonperforming Assets:
Nonaccruing loans	$	186,432		$	197,515		$	175,730		$	170,756		$	137,999
Loans 90 days or more past due	51			2,779			288			792			3,860
Total nonperforming loans	186,483			200,294			176,018			171,548			141,859
Other real estate owned	15,571			12,954			15,191			10,578			11,750
Total nonperforming assets	$	202,054		$	213,248		$	191,209		$	182,126		$	153,609

Criticized Loans
Classified loans	$	336,816		$	349,068		$	359,235		$	392,721		$	333,626
Special Mention loans	173,401			176,345			201,428			219,792			159,931
Criticized loans	$	510,217		$	525,413		$	560,663		$	612,513		$	493,557

Allowance for credit losses on loans	$	296,008		$	295,862		$	293,955		$	297,591		$	290,770
Net loan charge-offs	$	2,770		$	2,317		$	9,109		$	4,339		$	12,054
Annualized net loan charge-offs / average loans	0.06		%	0.05		%	0.19		%	0.09		%	0.26		%
Nonperforming loans / total loans	0.97			1.06			0.92			0.90			0.76
Nonperforming assets / total assets	0.75			0.79			0.71			0.68			0.58
Allowance for credit losses on loans / total loans	1.54			1.56			1.54			1.56			1.57
Allowance for credit losses on loans / nonperforming loans	158.73			147.71			167.00			173.47			204.97
Criticized loans / total loans	2.66			2.77			2.94			3.22			2.66

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, July 29, 2026.

The webcast is accessible through Renasant’s investor relations website at www.renasant.com or https://event.choruscall.com/mediaframe/webcast.html?webcastid=ATOn3Pcb. To access the conference via telephone, dial 1-877-513-1143 in the United States and request the Renasant Corporation 2026 Second 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 8054019 or by dialing 1-412-317-0088 internationally and entering the same conference number. Telephone replay access is available until August 12, 2026.

ABOUT RENASANT CORPORATION:

Renasant Corporation is the parent of Renasant Bank, a 122-year-old financial services institution. Renasant has assets of approximately $27.0 billion and operates 279 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 revenue and 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)), (ix) adjusted noninterest expense, and (x) 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 are intended to be considered in isolation or as a substitute for any measure prepared in accordance with GAAP. Investors should note that, because there are no standardized definitions for the calculations as well as the results, the Company’s calculations may not be comparable to similarly titled measures presented by other companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider its consolidated financial statements in their entirety and not to rely on any single financial measure.

Non-GAAP Reconciliations


(Dollars in thousands, except per share data)	Three Months Ended										Six Months Ended
	Jun 30, 2026		Mar 31, 2026		Dec 31, 2025		Sep 30, 2025		Jun 30, 2025		Jun 30, 2026		Jun 30, 2025
Adjusted Pre-Provision Net Revenue (“PPNR”)
Net income (GAAP)	$	87,091	$	88,228	$	78,948	$	59,788	$	1,018	$	175,319	$	42,536
Income taxes	21,553		22,195		17,885		15,478		1,649		43,748		12,097
Provision for credit losses (including unfunded commitments)	3,799		8,080		10,935		10,450		81,322		11,879		86,072
Pre-provision net revenue (non-GAAP)	$	112,443	$	118,503	$	107,768	$	85,716	$	83,989	$	230,946	$	140,705
Merger and conversion related expenses	—		—		10,567		17,494		20,479		—		21,270



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






Adjusted pre-provision net revenue (non-GAAP)	$	112,443	$	118,294	$	118,335	$	103,210	$	103,001	$	230,737	$	160,508

Adjusted Net Income and Adjusted Tangible Net Income
Net income (GAAP)	$	87,091	$	88,228	$	78,948	$	59,788	$	1,018	$	175,319	$	42,536
Amortization of intangibles	8,370		8,220		8,465		8,674		8,884		16,590		9,964
Tax effect of adjustments noted above(1)	(2,084)		(2,047)		(2,112)		(2,164)		(2,212)		(4,131)		(2,481)
Tangible net income (non-GAAP)	$	93,377	$	94,401	$	85,301	$	66,298	$	7,690	$	187,778	$	50,019

Net income (GAAP)	$	87,091	$	88,228	$	78,948	$	59,788	$	1,018	$	175,319	$	42,536
Merger and conversion related expenses	—		—		10,567		17,494		20,479		—		21,270
Day 1 acquisition provision for loan losses	—		—		—		—		62,190		—		62,190
Day 1 acquisition provision for unfunded commitments	—		—		—		—		4,422		—		4,422



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







Tax effect of adjustments noted above(1)	—		52		(2,636)		(4,365)		(20,765)		52		(20,964)
Adjusted net income (non-GAAP)	$	87,091	$	88,071	$	86,879	$	72,917	$	65,877	$	175,162	$	107,987
Amortization of intangibles	8,370		8,220		8,465		8,674		8,884		16,590		9,964
Tax effect of adjustments noted above(1)	(2,084)		(2,047)		(2,112)		(2,164)		(2,212)		(4,131)		(2,481)
Adjusted tangible net income (non-GAAP)	$	93,377	$	94,244	$	93,232	$	79,427	$	72,549	$	187,621	$	115,470

Tangible Assets and Tangible Shareholders’ Equity
Average shareholders’ equity (GAAP)	$	3,851,601	$	3,888,581	$	3,849,791	$	3,794,996	$	3,745,051	$	3,869,989	$	3,221,773
Average intangible assets	(1,546,924)		(1,548,244)		(1,563,189)		(1,578,846)		(1,589,490)		(1,547,581)		(1,297,622)
Average tangible shareholders’ equity (non-GAAP)	$	2,304,677	$	2,340,337	$	2,286,602	$	2,216,150	$	2,155,561	$	2,322,408	$	1,924,151

Average assets (GAAP)	$	26,800,293	$	26,855,360	$	26,693,539	$	26,456,596	$	26,182,865	$	26,827,675	$	22,108,884
Average intangible assets	(1,546,924)		(1,548,244)		(1,563,189)		(1,578,846)		(1,589,490)		(1,547,581)		(1,297,622)
Average tangible assets (non-GAAP)	$	25,253,369	$	25,307,116	$	25,130,350	$	24,877,750	$	24,593,375	$	25,280,094	$	20,811,262

Shareholders’ equity (GAAP)	$	3,871,378	$	3,866,918	$	3,884,905	$	3,825,778	$	3,778,854	$	3,871,378	$	3,778,854
Intangible assets	(1,555,560)		(1,545,059)		(1,552,452)		(1,566,788)		(1,583,533)		(1,555,560)		(1,583,533)
Tangible shareholders’ equity (non-GAAP)	$	2,315,818	$	2,321,859	$	2,332,453	$	2,258,990	$	2,195,321	$	2,315,818	$	2,195,321

Total assets (GAAP)	$	27,004,999	$	27,107,274	$	26,751,426	$	26,726,165	$	26,624,975	$	27,004,999	$	26,624,975
Intangible assets	(1,555,560)		(1,545,059)		(1,552,452)		(1,566,788)		(1,583,533)		(1,555,560)		(1,583,533)
Total tangible assets (non-GAAP)	$	25,449,439	$	25,562,215	$	25,198,974	$	25,159,377	$	25,041,442	$	25,449,439	$	25,041,442


Adjusted Performance Ratios
Return on average assets (GAAP)	1.30		%	1.33		%	1.17		%	0.90		%	0.02		%		1.32		%	0.39		%
Adjusted return on average assets (non-GAAP)	1.30			1.33			1.29			1.09			1.01				1.32			0.98
Return on average tangible assets (non-GAAP)	1.48			1.51			1.35			1.06			0.13				1.50			0.48
Pre-provision net revenue to average assets (non-GAAP)	1.68			1.79			1.60			1.29			1.29				1.74			1.28
Adjusted pre-provision net revenue to average assets (non-GAAP)	1.68			1.79			1.76			1.55			1.58				1.73			1.46
Adjusted return on average tangible assets (non-GAAP)	1.48			1.51			1.47			1.27			1.18				1.50			1.12
Return on average equity (GAAP)	9.07			9.20			8.14			6.25			0.11				9.14			2.66
Adjusted return on average equity (non-GAAP)	9.07			9.19			8.95			7.62			7.06				9.13			6.76
Return on average tangible equity (non-GAAP)	16.25			16.36			14.80			11.87			1.43				16.30			5.24
Adjusted return on average tangible equity (non-GAAP)	16.25			16.33			16.18			14.22			13.50				16.29			12.10

Adjusted Diluted Earnings Per Share
Average diluted shares outstanding	92,220,282			94,228,343			95,172,380			95,284,603			95,136,160				93,219,350			79,671,775

Diluted earnings per share (GAAP)	$	0.94		$	0.94		$	0.83		$	0.63		$	0.01			$	1.88		$	0.53
Adjusted diluted earnings per share (non-GAAP)	$	0.94		$	0.93		$	0.91		$	0.77		$	0.69			$	1.88		$	1.36

Tangible Book Value Per Share
Shares outstanding	91,403,230			92,881,329			94,636,207			95,020,881			95,019,311				91,403,230			95,019,311

Book value per share (GAAP)	$	42.35		$	41.63		$	41.05		$	40.26		$	39.77			$	42.35		$	39.77
Tangible book value per share (non-GAAP)	$	25.34		$	25.00		$	24.65		$	23.77		$	23.10			$	25.34		$	23.10

Tangible Common Equity Ratio
Shareholders’ equity to assets (GAAP)	14.34		%	14.27		%	14.52		%	14.31		%	14.19		%		14.34		%	14.19		%
Tangible common equity ratio (non-GAAP)	9.10		%	9.08		%	9.26		%	8.98		%	8.77		%		9.10		%	8.77		%

Adjusted Efficiency Ratio
Net interest income (FTE) (GAAP)	$	227,657		$	228,424		$	232,361		$	228,131		$	222,717			$	456,081		$	360,149

Total noninterest income (GAAP)	$	51,190		$	50,272		$	51,125		$	46,026		$	48,334			$	101,462		$	84,729

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




Total adjusted noninterest income (non-GAAP)	$	51,190		$	50,063		$	51,125		$	46,026		$	46,867			$	101,253		$	83,262

Noninterest expense (GAAP)	$	161,501		$	155,328		$	170,750		$	183,830		$	183,204			$	316,829		$	297,080
Amortization of intangibles	(8,370)			(8,220)			(8,465)			(8,674)			(8,884)			—	(16,590)			(9,964)
Merger and conversion expense	—			—			(10,567)			(17,494)			(20,479)				—			(21,270)




Total adjusted noninterest expense (non-GAAP)	$	153,131		$	147,108		$	151,718		$	157,662		$	153,841			$	300,239		$	265,846

Efficiency ratio (GAAP)	57.92		%	55.73		%	60.23		%	67.05		%	67.59		%		56.83		%	66.78		%
Adjusted efficiency ratio (non-GAAP)	54.92		%	52.82		%	53.52		%	57.51		%	57.07		%		53.87		%	59.95		%


Adjusted Net Interest Income and Adjusted Net Interest Margin
Net interest income (FTE) (GAAP)	$	227,657		$	228,424		$	232,361		$	228,131		$	222,717		$	456,081		$	360,149
Net interest income collected on problem loans	(1,166)			(210)			(2,767)			(664)			(2,779)			(1,376)			(3,805)
Accretion recognized on purchased loans	(12,327)			(15,248)			(13,632)			(16,862)			(17,834)			(27,575)			(18,392)
Amortization recognized on purchased time deposits	—			—			—			2,995			4,396			—			4,396
Amortization recognized on purchased long term borrowings	336			336			335			837			1,072			672			1,072
Adjustments to net interest income	$	(13,157)		$	(15,122)		$	(16,064)		$	(13,694)		$	(15,145)		$	(28,279)		$	(16,729)
Adjusted net interest income (FTE) (non-GAAP)	$	214,500		$	213,302		$	216,297		$	214,437		$	207,572		$	427,802		$	343,420

Net interest margin (FTE) (GAAP)	3.83		%	3.87		%	3.89		%	3.85		%	3.85		%	3.85		%	3.68		%
Adjusted net interest margin (FTE) (non-GAAP)	3.61		%	3.61		%	3.62		%	3.62		%	3.58		%	3.61		%	3.51		%

Adjusted Loan Yield
Loan interest income (FTE) (GAAP)	$	300,112		$	299,125		$	309,667		$	311,903		$	304,834		$	599,237		$	504,338
Net interest income collected on problem loans	(1,166)			(210)			(2,767)			(664)			(2,779)			(1,376)			(3,805)
Accretion recognized on purchased loans	(12,327)			(15,248)			(13,632)			(16,862)			(17,834)			(27,575)			(18,392)
Adjusted loan interest income (FTE) (non-GAAP)	$	286,619		$	283,667		$	293,268		$	294,377		$	284,221		$	570,286		$	482,141

Loan yield (GAAP)	6.31		%	6.37		%	6.45		%	6.60		%	6.63		%	6.34		%	6.47		%
Adjusted loan yield (non-GAAP)	6.03		%	6.04		%	6.11		%	6.23		%	6.18		%	6.04		%	6.18		%

(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.

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Second 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 1, 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 22% FL 11% LA 5% GA 25% Deposits TN 8% MS 40% AL 14%FL 8% LA 3% GA 27% * 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 June 30, 2026 (1) As determined by the office or branch of origination 3 Assets: $27.0 billion Loans: 19.2 Deposits: 21.7 Equity: 3.9

Second Quarter Highlights • Net income was $87.1 million with both diluted EPS and adjusted diluted EPS (non-GAAP)(1) of $0.94 • Net interest margin was 3.83%, down 4 basis points linked quarter; adjusted net interest margin (non-GAAP)(1) was flat at 3.61% • Loans increased $220.9 million, or 4.7% annualized. Included in this increase is a $58.3 million loan portfolio that Renasant Bank’s subsidiary, Republic Business Credit, acquired during the quarter • Deposits decreased $398.4 million linked quarter. Seasonal outflows in public fund deposits contributed $367.7 million of the decrease. Noninterest bearing deposits decreased $145.4 million linked quarter; noninterest-bearing deposits represented 23.2% of total deposits at June 30, 2026 • Loan yield decreased 6 basis points; adjusted loan yield (non-GAAP)(1) decreased 1 basis point • Cost of total deposits increased 2 basis points to 1.96% • The ratio of the allowance for credit losses on loans to total loans decreased 2 basis points to 1.54% linked quarter • Net loan charge-offs for the second quarter of 2026 were $2.8 million, or 0.06% annualized • Nonperforming loans represented 0.97% of total loans, a decrease of 9 basis points linked quarter, and criticized loans to total loans decreased 11 basis points to 2.66% linked quarter (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 $87.1 million Diluted EPS 0.94 Adjusted Diluted EPS (non-GAAP)(1) 0.94 Net Interest Margin 3.83% Adjusted Net Interest Margin (non- GAAP)(1) 3.61 Return on Average Assets (“ROAA”) 1.30 Adjusted ROAA (non-GAAP)(1) 1.30 Return on Average Tangible Equity (“ROATCE”) (non-GAAP)(1) 16.25 Adjusted ROATCE (non-GAAP)(1) 16.25 Efficiency Ratio 57.92 Adjusted Efficiency Ratio (non-GAAP)(1) 54.92

$26,625 $26,726 $26,751 $27,107 $27,005 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $18,563 $19,026 $19,047 $18,975 $19,196 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $21,583 $21,425 $21,473 $22,099 $21,701 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $3,779 $3,826 $3,885 $3,867 $3,871 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Balance Sheet Assets ($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 $21,701,052 $22,099,484 $21,473,070 $21,424,555 $21,582,637 Noninterest-bearing Interest-bearing Savings Time 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 Deposit Funding • Deposits declined $398.4 million in 2Q 2026 primarily due to the seasonal outflow of public fund deposits of $367.7 million • Noninterest-bearing deposits: 23.2% of total deposits • Average deposit account balance: $36,376 • Average commercial account balance: $87,498(2) • Average consumer account balance: $14,563(2) • Top 20 depositors: 3.9% of total deposits(2) Customer Mix 45% 44% 44% 44% 50% 38% 37% 38% 39% 31% 17% 19% 18% 17% 19% Consumer Commercial Public Funds 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 2.12% 2.14% 1.97% 1.94% 1.96% 2.82% 2.83% 2.60% 2.54% 2.55% Total cost of deposits Cost of total interest-bearing deposits 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Cost of Deposits 6 (1)

Cash and Securities to Total Assets Loans to Deposits Average Interest Earning Asset Mix (2Q 2026) 18.5% 17.4% 17.4% 18.6% 17.4% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 86% 89% 89% 86% 88% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 80% 1% 16% 3% Loans Held for Investment Loans Held for Sale Securities Interest Bearing Balances With Banks Liquidity Position 7

14.19% 14.31% 14.52% 14.27% 14.34% 8.77% 8.98% 9.26% 9.08% 9.10% Shareholders' equity to assets Tangible common equity ratio (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 11.08% 11.04% 11.24% 11.22% 11.06% 14.97% 14.88% 14.78% 14.77% 15.94% Common equity tier 1 capital ratio Total risk-based capital ratio 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Quarter Highlights • During the second quarter of 2026, the Company repurchased $60.0 million of common stock at a weighted average price of $39.54 • Effective April 28, 2026, the Company’s quarterly cash dividend was increased to $0.24 per share. This represents a $0.01 increase from the dividend paid in the previous quarter • Effective April 28, 2026, the Company’s Board of Directors increased the amount authorized for repurchase under the Company's stock repurchase program by $100.0 million for a total of $250.0 million. As of June 30, 2026, $101.8 million in repurchase authorization remained available under the program • On May 7, 2026, the Company completed a subordinated debt offering, issuing $300.0 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 (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”. $39.77 $40.26 $41.05 $41.63 $42.35 $23.10 $23.77 $24.65 $25.00 $25.34 Book Value Tangible Book Value (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 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) $18,975 $(16) $111 $(12) $(25) $167 $(4) $19,196 Q 1 2026 RE-1-4 Fam ily C&LD NO O CRE O O CRE C&I* Consum er Q 2 2026 Quarter Highlights • Loans increased $220.9 million linked quarter. Included in this increase is a $58.3 million loan portfolio that Renasant Bank’s subsidiary, Republic Business Credit, acquired during the quarter • Average loan balance: $326,094 24% 10% 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 *Includes loans acquired through Republic Business Credit

$805 $950 $914 $609 $957 $730 $757 $806 $827 $901 Production* Advances 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $657 $587 $876 $813 $895 $567 $657 $706 $695 $742 Payoffs Paydowns 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $18,975 $957 $901 $(895) $(742) $19,196 1Q 2026 Production* Advances Payoffs Paydowns 2Q 2026 Loan Activity QoQ Loan Bridge ($mm) Production & Advance Trends ($mm) Payoff & Paydown Trends ($mm) 10 *Includes loans acquired through Republic Business Credit

$290,770 $297,591 $293,955 $295,862 $296,008 1.57% 1.56% 1.54% 1.56% 1.54% 0.26% 0.09% 0.19% 0.05% 0.06% ACL ACL / Loans Net Charge-offs / Average Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $493,557 $612,513 $560,663 $525,413 $510,217 2.66% 3.22% 2.94% 2.77% 2.66% Criticized Loans Criticized Loans / Total Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Asset Quality Criticized Loans ($000s)Allowance for Credit Losses & Net Charge-offs ($000s) 0.25% 0.26% 0.47% 0.36% 0.16% Loans 30-89 Past Due / Total Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Accruing Loans 30-89 Days Past DueQuarter Highlights • Average NPL balance: $305,709 • 99% of accruing criticized loans are current • Average criticized loan balance: $474,179 11

0.58% 0.68% 0.71% 0.79% 0.75% 0.76% 0.90% 0.92% 1.06% 0.97% NPAs / Total Assets NPLs / Total Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $66,429 $5,935 $45,749 $21,962 $46,224 $184 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 $141,859 $171,548 $176,018 $200,294 $186,483 205% 173% 167% 148% 159% Nonperforming Loans ACL / Nonperforming Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Nonperforming Loans ($000s) 12

$0.01 $0.63 $0.83 $0.94 $0.94 $0.69 $0.77 $0.91 $0.93 $0.94 Diluted EPS (GAAP) Adjusted Diluted EPS (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $222.7 $228.1 $232.4 $228.4 $227.7 $207.6 $214.4 $216.3 $213.3 $214.5 Net interest income (FTE) Adjusted net interest income (FTE) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 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”. $84.0 $85.7 $107.8 $118.5 $112.4 $103.0 $103.2 $118.3 $118.3 $112.4 PPNR (non-GAAP) Adjusted PPNR (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $1.0 $59.8 $78.9 $88.2 $87.1 $65.9 $72.9 $86.9 $88.1 $87.1 Net Income Adjusted Net Income (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 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”. 0.02% 0.90% 1.17% 1.33% 1.30% 1.01% 1.09% 1.29% 1.33% 1.30% ROAA (GAAP) ROAA (Adjusted) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 0.11% 6.25% 8.14% 9.20% 9.07% 13.50% 14.22% 16.18% 16.33% 16.25% ROAE (GAAP) ROTCE (Adjusted) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 1.29% 1.29% 1.60% 1.79% 1.68% 1.58% 1.55% 1.76% 1.79% 1.68% PPNR/Average Assets (non-GAAP) Adjusted PPNR/Average Assets (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 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% 3.85% 3.89% 3.87% 3.83% 3.58% 3.62% 3.62% 3.61% 3.61% Net Interest Margin Adjusted Net Interest Margin (FTE) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 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”. 6.63% 6.60% 6.45% 6.37% 6.31% 6.18% 6.23% 6.11% 6.04% 6.03% Loan yield Adjusted Loan Yield (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 • Scheduled accretion and accelerated accretion recognized on acquired loans were $9.7 million and $2.7 million, respectively, for the second quarter of 2026, which included scheduled credit accretion and accelerated credit accretion of $3.1 million and $1.3 million, respectively • Accelerated bond discount accretion contributed $2.7 million to net interest income in the second 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 0.01 0.03 (0.04) 3.61 1Q2026 Loans Other Earning Assets IB Liabilities 2Q2026 15 (1) (1)

• Noninterest income increased $0.9 million linked quarter • New loan fees associated with Republic Business Credit’s portfolio acquisition during the second quarter provided an increase in fees and commissions • Life insurance proceeds during the second quarter drove an increase in BOLI income $51,190 $50,272 $51,125 $46,026 $48,334 Service charges Fees and commissions Wealth management Mortgage banking BOLI Other 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 Noninterest Income Composition ($000s) Quarter Highlights 16

• Noninterest expense increased $6.2 million linked quarter, driven primarily by deferred compensation accruals tied to market valuations, higher health insurance claims and annual merit increases Quarter Highlights 57.07% 57.51% 53.52% 52.82% 54.92% 67.59% 67.05% 60.23% 55.73% 57.92% Efficiency Ratio Adjusted efficiency ratio (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $161,501 $155,328 $170,750 $183,830 $183,204 Salaries and employee benefits Data processing Net occupancy and equipment Advertising and public relations Merger and conversion expenses Intangible amortization Other 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 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 $ 2,024 $ 193 $ 286 $ 389 $ 169 $ 2 $ 3,063 $ 2,045 $ 1,018 Commercial Real Estate - Owner-Occupied 1,299 225 564 767 439 39 3,333 1,432 1,901 Commercial Real Estate - Non-Owner Occupied 3,527 444 1,060 731 349 12 6,123 3,698 2,425 Construction and Land Development 1,486 76 83 228 91 46 2,010 1,555 455 Real Estate 1-4 Family Mortgage 1,033 272 457 567 796 1,443 4,568 2,599 1,969 Consumer 25 20 30 18 6 — 99 17 82 Total $ 9,394 $ 1,230 $ 2,480 $ 2,700 $ 1,850 $ 1,542 $ 19,196 $ 11,346 $ 7,850 Weighted Average Rate - Fixed 5.2 % 5.0 % 5.8 % 6.2 % 4.6 % 5.5 % 5.5 % Weighted Average Rate - Variable 6.5 % 6.0 % 5.4 % 5.7 % 5.5 % 4.8 % 6.3 % % Fixed 4.6 % 74.0 % 82.6 % 81.6 % 65.2 % 68.0 % 40.9 % % Variable 95.4 % 26.0 % 17.4 % 18.4 % 34.8 % 32.0 % 59.1 % Note: As of June 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 June 30, 2026 Agency CMO 27% Agency MBS 34% Municipal 14% Agency CMBS 14% SBA 9% Other 2% • Amortized cost of $3.9 billion; GAAP value of $3.8 billion, which represents 14.2% of total assets • Duration of 3.5 years • 26% of portfolio HTM based on par value ◦ 10.3% of HTM are CRA investments ◦ 26.4% of HTM are Municipals • Unrealized losses in AOCI on securities totaled $148.7 million ($111.8 million, net of tax); unrealized losses in AOCI on HTM securities totaled $48.9 million ($36.5 million, net of tax) $3.9 Billion Securities Composition (Amortized Cost) Quarter Highlights 20

15% 22% 19% 10% 7% 7% 12% 5% 3% Warehouse/Industrial Retail Multi-family Self Storage Medical Office Office (non-medical) Hotel Senior Housing Other Quarter Highlights Note: As of June 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 $1,370.8 $1,161.1 $952.5 Avg Loan Size(1) $1.5 $2.3 $2.5 Percent of Loans 7.1% 6.0% 5.0% Past Due or Nonaccrual 0.09% 0.10% 0.81% ACL Reserve(2) 0.84% 0.76% 0.85% WA LTV 54.5% 54.3% 52.3% Loans <75% LTV 88.0% 94.5% 96.9% Percent in Footprint 97.3% 99.8% 89.4% Q2 Loan Growth 4.7% (9.2)% 2.1% Commercial Real Estate - Non-owner Occupied $6.1 Billion Composition 31.9% $2.0 million 54.7% 0.01% 0.75% % of Loans Avg Loan Size(1) WA LTV 30-89 Days NPLs(2) 21

Note: As of June 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 21% 25% 10% 16% 4% 7% 7% 6% 2%1%1% 1-4 Family Land & Dev. Commercial Owner-Occupied Multi-family Office Retail Self Storage Warehouse / Industrial Hotels Other Senior Housing Amount ($mm) $2,009.7 Avg Loan Size ($mm)(1) $1.2 Percent of Loans 10.5% Past Due or Nonaccrual 0.41% ACL Reserve(2) 2.00% WA LTV 63.4% Loans <75% LTV 80.6% Percent in Footprint 98.8% Q2 Loan Growth 5.8% Construction and Land Development $2.0 Billion Composition Quarter Highlights 22

Quarterly ACL Changes $295,862 $5,573 $3,923 $(707) $(415) $(2,363) $(5,865) $296,008 1Q 2026 Balance Changes Q-Factor Changes Loss Rates Loan Credit Migration Net C/Os Other Individually Evaluated 2Q 2026 Note: Dollars in thousands (1) Includes Day One reserve for loans acquired through Republic Business Credit (2) Remaining Net Charge-offs are included in Other Individually Evaluated 23 (2) (1)

2Q 2025 1Q 2026 2Q 2026 Gain on sales of loans, net $ 5,316 $ 5,305 $ 4,760 Fees, net 3,740 2,842 3,470 Mortgage servicing income, net 2,207 1,288 948 Mortgage banking income, net $ 11,263 $ 9,435 $ 9,178 2Q 2025 1Q 2026 2Q 2026 Wholesale 33 42 32 Retail 67 58 68 Purchase 84 67 79 Refinance 16 33 21 $679.6 $590.2 $489.5 $542.3 $611.6 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 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 1.87% 1.32% 1.99% 1.85% 1.57% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 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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