Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 RENASANT CORPORATION (Exact name of registrant as specified in its charter) ________________________________________________________ Mississippi 64-0676974 (State or other jurisdiction of (I.R.S. E ...

Forward-Looking Statements 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 Securities and Exchange Commission ("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.g ...

Renasant Corporation (NYSE:RNST) Q2 2023 Earnings Conference Call July 26, 2023 10:00 AM ET Company Participants Kelly Hutcheson - Chief Accounting Officer Mitch Waycaster - Executive Vice Chairman and Chief Executive Officer Kevin Chapman - President and Chief Operating Officer Jim Mabry - Chief Financial Officer Conference Call Participants Thomas Wendler - Stephens Will Jones - KBW Michael Rose - Raymond James Stephen Scouten - Piper Sandler Operator Good morning and welcome to the Renasant Corporation 2 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: ...

$1.2 $0.9 $0.6 $0.5 $0.6 $- $0 $0 $1 $1 $1 $1 $1 1Q 2022 2Q 2022 3Q 2022 4Q 2022 1Q 2023 *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 Salaries and employee benefits 65% Data processing 3% Net occupancy and equipment 11% Intangible amortization 1% Other 20% 29 23% 8% 1% 30% 2% 5% 5% 9% 10% 3%4% Composition Highlights • 0.04% past due or nonaccrual 32 | --- | --- | --- | --- | |-------|------------------ ...

Renasant Corporation (NYSE:RNST) Q1 2023 Earnings Conference Call April 26, 2023 10:00 AM ET Corporate Participants Kelly Hutcheson - Chief Accounting Officer, Executive Vice President Mitch Waycaster - President and Chief Executive Officer Kevin Chapman - Chief Operating Officer, Senior Executive Vice President Jim Mabry - Chief Financial Officer, Senior Executive Vice President David Meredith - Chief Credit Officer, Senior Executive Vice President Conference Call Participants Brad Milsaps - Piper Sandler ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________________to _______________________ Commission file number 001-13253 RENASANT CORPORATION (Exact name of registrant as specified in its charter) Mississippi 64-0 ...

Financial Data and Key Metrics Changes - The company's fourth quarter earnings were $46.3 million, or $0.82 per diluted share, compared to $46.6 million, or $0.83 per diluted share in the third quarter [18] - Adjusted diluted EPS for the fourth quarter was $0.89 [18] - Non-interest income decreased by $7.8 million quarter-over-quarter, largely due to the mortgage division [26] Business Line Data and Key Metrics Changes - The acquisition of Republic Business Credit (RBC) added $77.5 million in loans, while legacy Renasant contributed $396 million in organic loan growth [14][18] - The mortgage division continues to experience volatility, with origination volumes beginning to normalize but margins remaining unpredictable [19] - Capital Markets, Treasury Solutions, Wealth Management, and Insurance lines were solid contributors to earnings this quarter [19] Market Data and Key Metrics Changes - The company experienced a decline in non-interest bearing deposits of $268 million from the third quarter and borrowed $233 million in brokered time deposits in November [14] - The cost of deposits increased by 31 basis points from Q3 to 52 basis points this quarter, with expectations for continued competitive pressures in 2023 [25] Company Strategy and Development Direction - The company aims to build more scale and reach in specialty lines of business through acquisitions like RBC [18] - Focus remains on sound banking principles, retaining attractive core funding, and maintaining a diverse loan portfolio [29] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for 2023 despite economic uncertainties, citing attractive markets with growth and net in-migration [9] - The outlook for net interest margin (NIM) is characterized as flat to slightly down for 2023, with expectations of better performance in the first half [37] Other Important Information - The adjusted efficiency ratio improved to 56.3% for the fourth quarter, reflecting revenue lift from margin expansion and expense discipline [12] - The company expects non-interest expenses to increase modestly in 2023 due to inflationary pressures [27] Q&A Session Summary Question: Outlook on margin and NII growth - Management characterized the margin outlook for 2023 as flat to slightly down, with core NIM for November at 3.78% and December at 3.76% [36][37] Question: Changes in deposit beta - The company is using a deposit beta of about low 40s for the cycle, which is an increase from six months ago [38] Question: Expectations for mortgage business - The mortgage division is still volatile, but there are positive trends with a 30% increase in the mortgage pipeline since the beginning of the year [47] Question: Reserve build and credit metrics - The reserve build was primarily in the commercial space due to the acquisition of RBC, with legacy Renasant's provision remaining flat quarter-over-quarter [49] Question: Loan growth expectations - The company expects moderate loan growth, with production for Q4 at $700 million, down from $753 million in the previous quarter [51]

This presentation may contain various statements about Renasant Corporation ("Renasant," "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 f ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2022 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file num ...