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[8-K] RENASANT CORP Reports Material Event

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Renasant Corporation (RNST) announced its third-quarter 2025 results and furnished related materials. The company issued a Q3 2025 earnings press release as Exhibit 99.1 and made available an investor presentation for its earnings conference call on October 29, 2025 as Exhibit 99.2.

The Item 7.01 materials are furnished and not deemed “filed” for purposes of Section 18 of the Exchange Act, consistent with General Instruction B.2. The disclosure includes a standard forward‑looking statements caution describing risks such as integration of its merger with The First, interest rate impacts, regulatory changes, credit quality, funding costs, cybersecurity, and macroeconomic conditions.

Renasant Corporation (RNST) ha annunciato i risultati del terzo trimestre 2025 e ha fornito materiali correlati. La società ha emesso un comunicato stampa sui guadagni del terzo trimestre 2025 come Exhibit 99.1 e ha reso disponibile una presentazione per gli investitori relativa all'earnings conference call il 29 ottobre 2025 come Exhibit 99.2.

I materiali dell'Item 7.01 sono forniti e non considerati “depositati” ai fini della Sezione 18 del Securities Exchange Act, in conformità con l'General Instruction B.2. La disclosure include una consueta avvertenza su dichiarazioni previsionali, descrivendo rischi quali l'integrazione della fusione con The First, gli impatti dei tassi di interesse, cambi normativi, qualità del credito, costi di finanziamento, cybersicurezza e condizioni macroeconomiche.

Renasant Corporation (RNST) anunció sus resultados del tercer trimestre de 2025 y proporcionó materiales relacionados. La empresa emitió un comunicado de prensa sobre las ganancias del 3T 2025 como Exhibit 99.1 y puso a disposición una presentación para inversionistas para su conferencia de resultados el 29 de octubre de 2025 como Exhibit 99.2.

Los materiales del Artículo 7.01 son presentados y no se consideran “presentados” a efectos de la Sección 18 de la Ley de Intercambio, de acuerdo con la Instrucción General B.2. La divulgación incluye una advertencia estándar sobre declaraciones prospectivas, describiendo riesgos como la integración de su fusión con The First, impactos de las tasas de interés, cambios regulatorios, calidad de crédito, costos de financiamiento, ciberseguridad y condiciones macroeconómicas.

Renasant Corporation (RNST) 은 2025년 3분기 실적을 발표하고 관련 자료를 제공했습니다. 이 회사는 2025년 3분기 수익 보도자료를 Exhibit 99.1 로 발행했고 2025년 10월 29일에 있을 실적 컨퍼런스 콜을 위한 투자자 프리젠테이션을 Exhibit 99.2 로 공개했습니다.

Item 7.01 자료는 제출되었으며 “filed”로 간주되지 않는다는 섹션 18의 목적상에 해당하며, 일반 지침 B.2에 따라 공개됩니다. 공에는 전향적 진술에 대한 표준 경고가 포함되어 있으며, 합병(First)과의 통합, 금리 영향, 규제 변화, 신용 품질, 조달 비용, 사이버 보안 및 거시경제 조건과 같은 위험을 설명합니다.

Renasant Corporation (RNST) a annoncé ses résultats du troisième trimestre 2025 et a fourni des documents connexes. La société a publié un communiqué de presse sur les résultats du T3 2025 en tant que Exhibit 99.1 et a mis à disposition une présentation pour les investisseurs lors de sa conférence téléphonique sur les résultats le 29 octobre 2025 en tant que Exhibit 99.2.

Les documents de l'Article 7.01 sont fournis et ne sont pas considérés comme « déposés » pour les besoins de la Section 18 du Securities Exchange Act, conformément à l'Instruction générale B.2. La divulgation inclut un avertissement standard sur les déclarations prospectives, décrivant des risques tels que l'intégration de sa fusion avec The First, les répercussions des taux d'intérêt, les changements réglementaires, la qualité du crédit, les coûts de financement, la cybersécurité et les conditions macroéconomiques.

Renasant Corporation (RNST) gab seine Ergebnisse des dritten Quartals 2025 bekannt und stellte zugehörige Unterlagen zur Verfügung. Das Unternehmen veröffentlichte eine Pressemitteilung zu den Q3 2025-Ergebnissen als Exhibit 99.1 und stellte eine Investorenpräsentation für die Gewinnkonferenz am 29. Oktober 2025 als Exhibit 99.2 bereit.

Das Material zu Item 7.01 ist bereitgestellt und gilt nicht als „eingefügt“ gemäß Abschnitt 18 des Securities Exchange Act, entsprechend der General Instruction B.2. Die Offenlegung enthält einen Standard-Hinweis zu zukunftsgerichteten Aussagen, der Risiken wie die Integration der Fusion mit The First, Zinssatzeinflüsse, regulatorische Änderungen, Kreditqualität, Finanzierungskosten, Cybersicherheit und makroökonomische Bedingungen beschreibt.

أعلنت شركة ريناسنت (RNST) عن نتائج الربع الثالث من عام 2025 وتوفير المواد ذات الصلة. أصدرت الشركة بياناً صحفياً بشأن أرباح الربع الثالث من 2025 كـ Exhibit 99.1 وجعلت عرضاً تقديمياً للمستثمرين للمكالمة الخاصة بالأرباح في 29 أكتوبر 2025 كـ Exhibit 99.2.

مواد البند 7.01 مُعلنة ومُعتبرة غير مسجلة لأغراض القسم 18 من قانون التبادل، وفقاً للتعليمات العامة B.2. تتضمن الإفصاحات تحذيراً قياسياً حول تصريحات مستقبلية يصف مخاطر مثل دمجها مع The First، آثار أسعار الفائدة، التغييرات التنظيمية، جودة الائتمان، تكاليف التمويل، الأمن السيبراني، والظروف الاقتصادية الكلية.

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Renasant Corporation (RNST) ha annunciato i risultati del terzo trimestre 2025 e ha fornito materiali correlati. La società ha emesso un comunicato stampa sui guadagni del terzo trimestre 2025 come Exhibit 99.1 e ha reso disponibile una presentazione per gli investitori relativa all'earnings conference call il 29 ottobre 2025 come Exhibit 99.2.

I materiali dell'Item 7.01 sono forniti e non considerati “depositati” ai fini della Sezione 18 del Securities Exchange Act, in conformità con l'General Instruction B.2. La disclosure include una consueta avvertenza su dichiarazioni previsionali, descrivendo rischi quali l'integrazione della fusione con The First, gli impatti dei tassi di interesse, cambi normativi, qualità del credito, costi di finanziamento, cybersicurezza e condizioni macroeconomiche.

Renasant Corporation (RNST) anunció sus resultados del tercer trimestre de 2025 y proporcionó materiales relacionados. La empresa emitió un comunicado de prensa sobre las ganancias del 3T 2025 como Exhibit 99.1 y puso a disposición una presentación para inversionistas para su conferencia de resultados el 29 de octubre de 2025 como Exhibit 99.2.

Los materiales del Artículo 7.01 son presentados y no se consideran “presentados” a efectos de la Sección 18 de la Ley de Intercambio, de acuerdo con la Instrucción General B.2. La divulgación incluye una advertencia estándar sobre declaraciones prospectivas, describiendo riesgos como la integración de su fusión con The First, impactos de las tasas de interés, cambios regulatorios, calidad de crédito, costos de financiamiento, ciberseguridad y condiciones macroeconómicas.

Renasant Corporation (RNST) 은 2025년 3분기 실적을 발표하고 관련 자료를 제공했습니다. 이 회사는 2025년 3분기 수익 보도자료를 Exhibit 99.1 로 발행했고 2025년 10월 29일에 있을 실적 컨퍼런스 콜을 위한 투자자 프리젠테이션을 Exhibit 99.2 로 공개했습니다.

Item 7.01 자료는 제출되었으며 “filed”로 간주되지 않는다는 섹션 18의 목적상에 해당하며, 일반 지침 B.2에 따라 공개됩니다. 공에는 전향적 진술에 대한 표준 경고가 포함되어 있으며, 합병(First)과의 통합, 금리 영향, 규제 변화, 신용 품질, 조달 비용, 사이버 보안 및 거시경제 조건과 같은 위험을 설명합니다.

Renasant Corporation (RNST) a annoncé ses résultats du troisième trimestre 2025 et a fourni des documents connexes. La société a publié un communiqué de presse sur les résultats du T3 2025 en tant que Exhibit 99.1 et a mis à disposition une présentation pour les investisseurs lors de sa conférence téléphonique sur les résultats le 29 octobre 2025 en tant que Exhibit 99.2.

Les documents de l'Article 7.01 sont fournis et ne sont pas considérés comme « déposés » pour les besoins de la Section 18 du Securities Exchange Act, conformément à l'Instruction générale B.2. La divulgation inclut un avertissement standard sur les déclarations prospectives, décrivant des risques tels que l'intégration de sa fusion avec The First, les répercussions des taux d'intérêt, les changements réglementaires, la qualité du crédit, les coûts de financement, la cybersécurité et les conditions macroéconomiques.

Renasant Corporation (RNST) gab seine Ergebnisse des dritten Quartals 2025 bekannt und stellte zugehörige Unterlagen zur Verfügung. Das Unternehmen veröffentlichte eine Pressemitteilung zu den Q3 2025-Ergebnissen als Exhibit 99.1 und stellte eine Investorenpräsentation für die Gewinnkonferenz am 29. Oktober 2025 als Exhibit 99.2 bereit.

Das Material zu Item 7.01 ist bereitgestellt und gilt nicht als „eingefügt“ gemäß Abschnitt 18 des Securities Exchange Act, entsprechend der General Instruction B.2. Die Offenlegung enthält einen Standard-Hinweis zu zukunftsgerichteten Aussagen, der Risiken wie die Integration der Fusion mit The First, Zinssatzeinflüsse, regulatorische Änderungen, Kreditqualität, Finanzierungskosten, Cybersicherheit und makroökonomische Bedingungen beschreibt.

أعلنت شركة ريناسنت (RNST) عن نتائج الربع الثالث من عام 2025 وتوفير المواد ذات الصلة. أصدرت الشركة بياناً صحفياً بشأن أرباح الربع الثالث من 2025 كـ Exhibit 99.1 وجعلت عرضاً تقديمياً للمستثمرين للمكالمة الخاصة بالأرباح في 29 أكتوبر 2025 كـ Exhibit 99.2.

مواد البند 7.01 مُعلنة ومُعتبرة غير مسجلة لأغراض القسم 18 من قانون التبادل، وفقاً للتعليمات العامة B.2. تتضمن الإفصاحات تحذيراً قياسياً حول تصريحات مستقبلية يصف مخاطر مثل دمجها مع The First، آثار أسعار الفائدة، التغييرات التنظيمية، جودة الائتمان، تكاليف التمويل، الأمن السيبراني، والظروف الاقتصادية الكلية.

Renasant Corporation (RNST) 公布了2025年第三季度业绩并提供相关材料。公司发布了2025年第三季度业绩的新闻稿,作为 Exhibit 99.1,并在 2025年10月29日 的盈利电话会议的投资者演示文稿中以 Exhibit 99.2 形式提供。

第7.01项材料为 提交但不视为“已备案”,符合证券交易法第18条的规定,遵循 General Instruction B.2。披露包含关于 前瞻性声明 的标准警告,描述风险,如与 The First 的合并整合、利率影响、监管变动、信贷质量、融资成本、网络安全及宏观经济条件等。

0000715072false00007150722025-10-282025-10-28

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 28, 2025
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 classTrading Symbol(s)Name of each exchange on which registered
Common stock, $5.00 par value per shareRNSTThe 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 28, 2025, Renasant Corporation (the “Company”) issued a press release announcing earnings for the third quarter of 2025. The press release is furnished as Exhibit 99.1 to this Form 8-K.

Item 7.01. Regulation FD Disclosure

On October 28, 2025, the Company also made available presentation materials (the “Presentation”) prepared for use with its earnings conference call on October 29, 2025. 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,” and 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 (including its merger with The First Bancshares, Inc. (“The First”)) 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, or target for acquisition, including in connection with its merger with The First; (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) competitive pressures in the consumer finance, commercial finance, financial services, asset management, retail banking, factoring and mortgage lending and auto lending industries; (vi) the financial resources of, and products available from, competitors; (vii) changes in laws and regulations as well as changes in accounting standards; (viii) 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); (ix) increased scrutiny by, and/or additional regulatory requirements of,



regulatory agencies as a result of the Company’s merger with The First; (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) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses; (xx) civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area; (xxi) 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; (xxii) the impact, extent and timing of technological changes; and (xxiii) 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 Securities and Exchange Commission (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 2025
99.2    Presentation materials for Renasant Corporation Third Quarter 2025 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 28, 2025
By:
/s/ Kevin D. Chapman
Kevin D. Chapman
Chief Executive Officer




FAQ

What did Renasant (RNST) announce in its latest 8-K?

It furnished a Q3 2025 earnings press release (Exhibit 99.1) and an investor presentation (Exhibit 99.2) for its October 29, 2025 call.

When is Renasant’s Q3 2025 earnings conference call?

The earnings conference call is on October 29, 2025.

Are the Renasant Q3 2025 materials considered filed with the SEC?

The Item 7.01 materials are furnished and not deemed “filed” under the Exchange Act.

Which exhibits accompany the Renasant Q3 2025 disclosure?

Exhibit 99.1 is the earnings press release and Exhibit 99.2 is the earnings call presentation.

What key risks does Renasant cite in its forward-looking statements?

Risks include merger integration, interest rates, regulatory changes, credit quality, funding costs, and cybersecurity.
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