Renasant (NASDAQ: RNST) director settles 1,040 phantom units into stock

Rhea-AI Filing Summary

Renasant Corp director Edward Robinson McGraw settled 1,040 phantom stock units into the same number of common shares on May 15, 2026. To cover tax obligations, 385 common shares were disposed of at $39.82 per share. Following these transactions, he directly holds 246,843 common shares and 9,367.67 phantom stock units.

Insider Trade Summary

1,040 shares exercised/converted

Mixed 3 txns

Insider MCGRAW EDWARD ROBINSON

Role null

Type	Security	Shares	Price	Value
Exercise	Phantom Stock	1,040	$0.00	--
Exercise	Common Stock	1,040	$39.82	$41K
Tax Withholding	Common Stock	385	$39.82	$15K

Holdings After Transaction: Phantom Stock — 9,367.67 shares (Direct, null); Common Stock — 246,843 shares (Direct, null)

Footnotes (1)

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Key Figures

Tax-withholding shares: 385 shares Tax-withholding price: $39.82 per share Phantom units settled: 1,040 units +3 more

6 metrics

Tax-withholding shares 385 shares Common stock disposed to cover taxes at $39.82 per share

Tax-withholding price $39.82 per share Price used for 385-share tax-withholding disposition

Phantom units settled 1,040 units Phantom stock units settled for equal number of common shares

Common shares after exercise 246,843 shares Direct Renasant common stock holdings after transactions

Phantom stock balance 9,367.67 units Remaining phantom stock units after May 15, 2026 settlement

Annual installment count 10 installments Phantom stock units paid over 10 years beginning May 15, 2026

Key Terms

phantom stock units, Renasant DSU Plan, tax-withholding disposition, derivative exercise/conversion, +1 more

5 terms

phantom stock units financial

"The phantom stock units were accrued under the Renasant DSU Plan and are the economic equivalent of one share of common stock"

Phantom stock units are company promises that pay a cash or stock-equivalent award tied to the firm’s share price or value growth, but they do not issue actual shares. Think of them as a bonus check that moves with the stock like a mirror rather than handing over an ownership slice. Investors care because these awards can affect a company’s future cash obligations, executive incentives and reported expenses without causing share dilution.

Renasant DSU Plan financial

"The phantom stock units were accrued under the Renasant DSU Plan and are the economic equivalent of one share"

tax-withholding disposition financial

"transaction_action": "tax-withholding disposition""

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

derivative exercise/conversion financial

"transaction_action": "derivative exercise/conversion""

phantom stock financial

"security_title": "Phantom Stock""

A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

MCGRAW EDWARD ROBINSON

(Last) (First) (Middle)

P.O. BOX 709

(Street)

TUPELO MISSISSIPPI 38802

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
RENASANT CORP [ RNST ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/15/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/15/2026		M		1,040	A	$39.82	246,843	D
Common Stock	05/15/2026		F		385	D	$39.82	246,458	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Phantom Stock	(1)	05/15/2026		M			1,040	(1)	(1)	Common Stock	1,040	$0(1)	9,367.67	D

Explanation of Responses:

1. The phantom stock units were accrued under the Renasant DSU Plan and are the economic equivalent of one share of common stock of the Company. The reporting person retired on May 1, 2025, and his phantom stock units will be paid in 10 annual installments beginning on May 15, 2026. On May 15, 2026, 1,040 phantom stock units were settled for an equal number of shares of Company common stock.

Remarks:

	Colton Wages, Attorney in Fact	05/19/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transactions did Renasant Corp (RNST) report for Edward Robinson McGraw?

Renasant Corp reported that director Edward Robinson McGraw settled 1,040 phantom stock units into common shares and had 385 shares withheld for taxes. These were compensation-related transactions, not open-market purchases or sales of RNST stock.

How many Renasant Corp (RNST) shares does Edward Robinson McGraw hold after this Form 4?

After the reported transactions, Edward Robinson McGraw directly holds 246,843 shares of Renasant common stock. He also holds 9,367.67 phantom stock units, which are economically equivalent to the company’s common shares under the Renasant DSU Plan.

Was the Renasant (RNST) Form 4 a stock sale by the director on the open market?

No, the Form 4 shows 385 shares disposed of to satisfy tax obligations tied to equity compensation. The filing does not report any open-market purchase or sale by Edward Robinson McGraw, only a tax-withholding disposition and a derivative exercise.

What are phantom stock units in the Renasant Corp (RNST) DSU Plan?

The filing states phantom stock units under the Renasant DSU Plan are the economic equivalent of one Renasant common share. For McGraw, 1,040 phantom units were settled one-for-one into common stock as part of his director compensation arrangement.

How will Edward Robinson McGraw’s phantom stock units in Renasant (RNST) be paid out?

According to the footnote, McGraw retired on May 1, 2025, and his phantom stock units will be paid in 10 annual installments starting May 15, 2026. The May 15, 2026 transaction settled 1,040 phantom units into common shares.