Company: RNST
Filing Date: 2025-02-11
Form Type: S-3ASR
Source: 0000715072-25-000041
Chunk: 10

Company: RENASANT CORP
Filing Date: 2025-02-11
Form: S-3ASR
Chunk 10
---
.

For any forward-looking statements made in this prospectus or any prospectus supplement, or in any documents incorporated by reference therein, we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.

### RENASANT CORPORATION
We are a bank holding company headquartered in Tupelo, Mississippi. Through our wholly-owned bank subsidiary, Renasant Bank, and its subsidiaries, Park Place Capital Corporation (“Park Place”) and Continental Republic Capital, LLC (doing business as “Republic Business Credit”), we operate 186 banking, lending, mortgage and wealth management offices in Mississippi, Tennessee, Alabama, Florida, Georgia, North Carolina and South Carolina. Our Community Banks, Mortgage and Wealth Management segments operate out of these offices; our subsidiary Republic Business Credit has four stand-alone offices in California, Illinois, Louisiana and Texas. Our Bank was originally founded in 1904 as The Peoples Bank & Trust Company. In 1982, we reorganized as a bank holding company. In 2005, we changed our name from The Peoples Holding Company to Renasant Corporation.

Our primary asset is our investment in our Bank. At December 31, 2024, our consolidated total assets were approximately $18.03 billion, our total loans (net of unearned income) were approximately $12.7 billion, our total deposits were approximately $14.6 billion, and our total shareholders’ equity was approximately $2.7 billion.

Community Banks Segment

Substantially all of our business activities are conducted through, and substantially all of our assets and revenues are derived from, the operations of our community banks, which offer a complete range of banking and financial services to individuals and to businesses of all sizes. These services include business and personal loans, interim construction loans, specialty commercial lending, treasury management services and checking and savings accounts, as well as safe deposit boxes and night depository facilities. Automated teller machines are located throughout our market area, and we have interactive teller machines in many of our urban markets. Our customers may also conduct many banking

<div align='center'>5</div>

transactions, such as opening deposit accounts and applying for certain types of loans, through our Online and Mobile Banking Products, and our call center provides 24-hour banking services.

Through our Mortgage division, we offer both fixed and variable rate residential mortgage loans with competitive terms and fees. In many cases, we originate mortgage loans with the intention of selling them in the secondary market to third party private investors or directly to