Welcome to our dedicated page for Renasant SEC filings (Ticker: RNST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Renasant Corporation (NYSE: RNST), the parent of Renasant Bank. As a public commercial banking organization, Renasant files detailed reports that describe its financial condition, results of operations, risk factors, governance and significant corporate events.
Investors can review annual reports on Form 10-K and quarterly reports on Form 10-Q for information on net interest income, noninterest income, loan and deposit balances, credit quality metrics and capital ratios. These filings also discuss factors that management believes could affect future performance, including economic conditions, interest rate changes, competition in financial services, regulatory developments and the integration of acquisitions such as the merger with The First Bancshares, Inc.
Current reports on Form 8-K highlight specific events, such as earnings releases, investor presentations, changes in the independent registered public accounting firm, director retirement plans and material credit exposures. For example, an 8-K filed in September 2025 describes the Chapter 7 bankruptcy of a customer, Tricolor Holdings, LLC, and the status of a related loan at Renasant Bank. Other 8-K filings furnish earnings press releases and presentation materials used on quarterly earnings calls.
AI-powered tools on this platform can help summarize lengthy filings, highlight key figures and explain technical disclosures in plain language. Users can quickly identify items related to credit quality, capital, mergers, dividends and other topics that are central to understanding Renasant’s regulatory reporting. Form 4 and other ownership-related filings, when available, can provide additional insight into insider transactions and equity ownership.
Together, these SEC documents offer a structured view of how Renasant manages its commercial banking, wealth management, insurance and specialized lending activities, and how management evaluates risks and opportunities in its operating environment.
Renasant Corp reported that an executive vice president received new equity awards on January 1, 2026. The officer acquired 6,587 shares of service-based restricted stock under the 2020 Long Term Incentive Plan, which will vest on January 1, 2029, at a grant price of $0 per share. After this grant, the officer directly owned 91,266 shares of common stock.
The filing also shows a separate grant of 6,587 shares of performance-based restricted stock as a target award under the 2020 LTIP. The final number of shares will depend on performance criteria measured through December 31, 2028, and cannot exceed 150% of the target. Following this second grant, the executive’s direct beneficial ownership increased to 97,853 shares.
Renasant Corp executive vice president reported receiving new equity awards effective 01/01/2026. The filing shows two grants of common stock at a price of $0 per share. One grant is 5,764 shares of service-based restricted stock under the 2020 Long Term Incentive Plan that will vest on January 1, 2029. The other is a 5,764-share performance-based restricted stock award granted under the 2020 LTIP, which will be earned based on criteria measured through December 31, 2028 and cannot exceed 150% of the target shares. Following these grants, the executive directly beneficially owns 131,305 shares, with additional indirect holdings of 3,462 shares in a 401(k) and 316 shares held for children.
Renasant Corp. reported new equity awards to its President and CEO on 01/01/2026. The officer received 24,018 shares of service-based restricted stock under the 2020 Long Term Incentive Plan that will vest on January 1, 2029. A separate grant set a 24,018-share target of performance-based restricted stock for a cycle ending on December 31, 2028, with the actual payout dependent on meeting specified performance criteria and capped at 150% of the target. Following these grants, the CEO beneficially owns 213,070 shares of common stock directly, plus 6,661 shares held indirectly through a 401(k).
Renasant Corp director reports additional phantom stock units under DSU plan. A company director acquired 245.76 phantom stock units on 12/31/2025, recorded at a derivative security price of $35.6 per unit. Each phantom stock unit is convertible into one share of Renasant’s common stock. After this transaction, the director beneficially owns 11,310.06 phantom stock units, held directly. The units are accrued under the Renasant DSU Plan and will be settled 100% in common stock when the director retires or if an approved hardship occurs. Dividends on these units are paid quarterly and reinvested into additional phantom stock.
Renasant Corporation reported a planned board transition. On November 10, 2025, Director Dr. Richard Heyer informed the company he will not stand for election when his current term ends at the 2026 Annual Meeting of Shareholders, scheduled for April 28, 2026. At that time, he will also retire from the board of Renasant Bank, the company’s wholly owned subsidiary.
The company stated that Dr. Heyer’s decision did not result from any disagreement regarding operations, policies, or practices.
Renasant Corp (RNST): A director and SEVP reported a Form 4 gift. On 11/13/2025, the insider transferred 2,875 shares of common stock as a gift (Code G) at $0, moving shares from direct to indirect ownership under The Cole Family Foundation. After the transaction, direct holdings were 119,111 shares. Indirect holdings included 2,875 (Foundation), plus family-related accounts.
Renasant Corp (RNST) reported an insider transaction on Form 4: a director purchased 2,000 shares of common stock on 11/11/2025 at $34.7888 per share.
Following this trade, the director’s beneficial ownership stood at 10,286 shares held directly, and 12,025 shares held indirectly through a Family Trust.
Renasant Corporation’s third-quarter 2025 results reflect a much larger balance sheet after its acquisition of The First Bancshares, but lower profitability. Total assets rose to $26,726,165 thousand from $18,034,868 thousand at year-end 2024, with loans held for investment up to $19,025,521 thousand and deposits to $21,424,555 thousand.
For the quarter ended September 30, 2025, net income was $59,788 thousand versus $72,455 thousand a year earlier, and diluted EPS declined to $0.63 from $1.18. Net interest income increased to $223,520 thousand, but the provision for credit losses on loans jumped to $9,650 thousand from $1,210 thousand, and noninterest expense rose sharply, including $17,494 thousand of merger and conversion related expenses.
On April 1, 2025, Renasant closed its merger with The First Bancshares, Inc. with a total purchase price of $1,052,690 thousand, issuing 30,811,851 shares of common stock and recording goodwill of $422,813 thousand and a core deposit intangible of $159,610 thousand.
Renasant Corporation furnished investor presentation materials under Regulation FD. Representatives plan to present at various conferences in the fourth quarter of 2025, and the slide deck is provided as Exhibit 99.1.
The materials are being furnished, not filed, and therefore are not subject to Section 18 liability and are not incorporated by reference unless specifically referenced. The presentation includes forward-looking statements, which are subject to risks and uncertainties. Notable factors cited include integration of acquisitions (including the merger with The First Bancshares, Inc.), interest rate and economic conditions, regulatory changes, funding costs, credit quality, cybersecurity, and geopolitical events.
Renasant Corporation announced a change in its independent registered public accounting firm. On November 1, 2025, after HORNE LLP’s partners and professional staff joined BDO USA, P.C., HORNE resigned and Renasant—approved by its Audit Committee—engaged BDO as its new auditor.
HORNE’s reports on Renasant’s consolidated financial statements for the fiscal years ended 2024 and 2023 contained no adverse opinions, disclaimers, or qualifications. The company reported no disagreements with HORNE on accounting principles, disclosures, or audit procedures through November 1, 2025. Renasant also stated it did not consult BDO on accounting matters prior to engagement. HORNE’s concurrence letter, dated November 3, 2025, is filed as Exhibit 16.