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 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.
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) 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 Corp director Sean M. Suggs received 232.38 phantom stock units under the Renasant DSU Plan on 09/30/2025. The report shows these units convert one-for-one into common stock upon the reporting person's retirement or approved hardship and are settled 100% in common stock. Dividends on the phantom units are paid quarterly and reinvested into additional phantom units. The reported per-unit price is $37.65 and the filing lists 11,064.3 shares beneficially owned by Mr. Suggs following the transaction. The Form 4 was signed by an attorney-in-fact on 10/01/2025.
Perry Curtis J, identified as an Executive Vice President and officer of Renasant Corp (RNST), reported a change in beneficial ownership on a Form 4. The filing shows a transaction dated 09/18/2025 with transaction code G reporting a disposal of 2,000 shares of Renasant common stock at a reported price of $0. After the reported transaction the filing lists 84,679 shares beneficially owned, shown as direct ownership. The form is signed by an attorney-in-fact on 09/22/2025.
Perry Curtis J, identified as an Executive Vice President and officer of Renasant Corp (RNST), reported a change in beneficial ownership on a Form 4. The filing shows a transaction dated 09/18/2025 with transaction code G reporting a disposal of 2,000 shares of Renasant common stock at a reported price of $0. After the reported transaction the filing lists 84,679 shares beneficially owned, shown as direct ownership. The form is signed by an attorney-in-fact on 09/22/2025.
Renasant Corporation furnished an Item 7.01 presentation and exhibits that include a standard cautionary note regarding forward-looking statements and disclose that the company is completing a merger with The First Bancshares, Inc. The filing lists a range of specific risks that could cause actual results to differ from expectations, including challenges integrating acquisitions, potential unknown or contingent liabilities from acquired businesses, sensitivity to economic and interest-rate conditions, competitive pressures across its financial services businesses, regulatory and accounting changes, and the need for capital to support growth. An exhibit index is being furnished with the filing.
State Street Corporation reports beneficial ownership of 4,810,201 shares of Renasant Corp, representing 5.1% of the company's common stock. The Schedule 13G filing shows State Street has no sole voting or dispositive power and instead reports 632,436 shares of shared voting power and 4,810,201 shares of shared dispositive power, indicating passive ownership rather than control. The filing identifies several State Street subsidiaries (SSGA Funds Management, State Street Global Advisors entities) classified as investment advisers that hold these positions on behalf of clients.
This disclosure is a routine passive ownership report required when an institutional holder crosses the 5% threshold and clarifies that the position is held in the ordinary course of business and not to influence control of the issuer.
What happened: Victory Capital Management, Inc. filed a Schedule 13G/A reporting it beneficially owns 3,988,282 shares of Renasant Corp common stock, equal to 4.20% of the class.
Why it matters: The filing shows an institutional investor holds a meaningful stake but below the 5% threshold that typically signals a large activist position. Victory Capital also certifies these shares are held in the ordinary course of business and not to change or influence company control.
What this means for investors: This is evidence of institutional interest in RNST but is not, by itself, a control or activist move.