Financial Data and Key Metrics Changes - Third-quarter earnings were $46.6 million or $0.83 per diluted share, compared to $39.7 million or $0.71 per diluted share for the second quarter of 2022 [12] - Year-to-date diluted earnings per share were $2.13 compared to $2.47 in 2021 [12] - Net interest income increased by $12.8 million quarter-over-quarter, with a core margin of 3.5%, up 50 basis points from Q2 [22] Business Line Data and Key Metrics Changes - Strong loan growth continued with total loans increasing over $500 million from the second quarter [17] - The mortgage division experienced volatility, but the company is investing in strong production talent [14] - Non-interest income increased due to positive results in capital markets, treasury solutions, and insurance lines of business [24] Market Data and Key Metrics Changes - Non-interest-bearing deposits grew by $86 million, now representing 36% of total deposits [19] - The loan-to-deposit ratio stands at 79%, providing flexibility [19] - The company transferred $883 million in securities to the held-to-maturity category to preserve book value [20] Company Strategy and Development Direction - The company remains focused on providing exceptional customer service and growing relationships as one bank [27] - There is an emphasis on maintaining a strong capital position and managing deposit costs amid competitive pressures [13] - The company aims to achieve an efficiency ratio below 60%, with a current adjusted efficiency ratio of 58.8% [15][75] Management's Comments on Operating Environment and Future Outlook - Management noted that while loan production activity has slowed, solid loan growth continues due to reduced payoffs [9] - The company anticipates funding pressures to escalate in future quarters but remains optimistic about loan growth driven by strong markets and business lines [62] - Management expressed a commitment to maintaining stable credit quality metrics despite economic uncertainties [21] Other Important Information - The company recorded a credit provision of $9.8 million and net charge-offs of $1.6 million, with the allowance for credit losses (ACL) ratio stable at 1.57% [21] - The company is open to alternative funding sources, including the Federal Home Loan Bank, to support loan growth [62] Q&A Session Summary Question: Margin trajectory and funding costs - Management expects margin expansion in Q4 but not to the same extent as Q3, with a deposit beta around 7% [36][38] Question: Future loan growth expectations - Loan production was $753 million, down from $877 million, but still strong historically, with a current pipeline of $270 million [52][54] Question: Fee income guidance - Non-interest income outlook is mixed, with headwinds in mortgage and consumer fees but stability in wealth management and insurance [85] Question: Share repurchase activity - No repurchase activity occurred in Q3, but the buyback program was renewed and increased from $50 million to $100 million [87]

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 June 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 number: ...

Second Quarter 2022 Earnings Call Forward-Looking Statements 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," "pla ...

Renasant Corp. (NYSE:RNST) Q2 2022 Earnings Conference Call July 27, 2022 10:00 AM ET Company Participants Kelly Hutcheson - EVP & CAO Mitchell Waycaster - President, CEO & Director Kevin Chapman - Senior EVP & COO James Mabry - Senior EVP & CFO David Meredith - Senior EVP & Chief Credit Officer Conference Call Participants William Jones - KBW Michael Rose - Raymond James & Associates Kevin Fitzsimmons - D.A. Davidson & Co. Jordan Ghent - Stephens Inc. David Bishop - Hovde Group Operator Good morning, after ...

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, 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: ...

Financial Data and Key Metrics Changes - The company's first quarter earnings were $34 million or $0.60 per diluted share, compared to $37 million or $0.66 per diluted share in the fourth quarter of 2021 [12] - Total loans increased by $293 million from Q4 of 2021, with strong production of $863 million in new loans [19][60] - Net interest income declined by $1.8 million quarter-over-quarter primarily due to two fewer days of interest income recognition [22] Business Line Data and Key Metrics Changes - The banking division experienced solid loan growth, with 11% annualized loan growth excluding acquired loans from Southeastern Commercial Finance [13] - The insurance and wealth management divisions produced strong results, contributing to overall performance [14][25] - Non-interest expenses decreased by approximately $700,000 for the quarter, reflecting ongoing expense discipline [26] Market Data and Key Metrics Changes - The company operates in growth markets with strong migration and business development activities, contributing to optimism about future growth [9] - The pipeline for loans increased to $290 million, up from $284 million in the prior quarter, indicating healthy deal flow [59] Company Strategy and Development Direction - The company plans to eliminate consumer non-sufficient fund fees and certain other consumer deposit-related fees, effective January 1, 2023, which totaled $1.3 million in the first quarter of 2022 [16] - The company remains opportunistic in exploring additional business lines and asset-based lending opportunities [72] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the ability to grow despite economic headwinds, emphasizing the importance of maintaining a strong balance sheet [10] - The company anticipates total non-interest expense for the full year of 2022 to be less than in 2021, despite some linked quarter increases expected in Q2 [15] Other Important Information - The company recorded a credit provision of $1.5 million and net charge-offs of $851,000, with credit quality metrics remaining stable [20][21] - The efficiency ratio for Q1 was impacted by the return to normal in the mortgage division, with mortgage efficiency increasing significantly [38] Q&A Session Summary Question: Inquiry about expenses and future trajectory - Management indicated that total expenses are expected to increase by $2 million to $3 million on a quarterly basis, with a focus on maintaining efficiency [36] Question: Update on efficiency ratio targets - Management reiterated a short-term target of achieving a 60% efficiency ratio, dependent on interest rates and loan growth [37] Question: Outlook on mortgage expenses and revenue - Management believes that current mortgage expenses are reflective of the run rate, but further efficiency improvements may be possible [44] Question: Expectations for loan growth sustainability - Management expressed optimism about loan growth sustainability, with a strong pipeline and moderated payoffs contributing positively [67] Question: Discussion on deposit growth and mix changes - Management is hopeful for continued deposit growth, anticipating shifts in deposit mix as interest rates rise [80] Question: Branch rationalization efforts - Management confirmed ongoing branch rationalization efforts as part of their strategy to lower expenses and improve profitability [84]

First Quarter 2022 Earnings Call Forward-Looking Statements 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," "plan ...

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, 2021 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 ...

Fourth Quarter 2021 Earnings Call Forward-Looking Statements 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," "pla ...

Start Time: 10:00 January 1, 0000 10:45 AM ET Renasant Corporation (NYSE:RNST) Q4 2021 Earnings Conference Call January 26, 2022, 10:00 AM ET Company Participants Mitch Waycaster - President and CEO Kevin Chapman - Senior EVP and COO Jim Mabry - EVP and CFO Kelly Hutcheson - EVP and CAO Conference Call Participants Thomas Wendler - Stephens Joseph Yanchunis - Raymond James Jennifer Demba - Truist Securities Brad Milsaps - Piper Sandler Kevin Fitzsimmons - D.A. Davidson Catherine Mealor - Keefe, Bruyette & W ...