Company: RNST
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0000715072-25-000211
Chunk: 66

Company: RENASANT CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 66
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42,536 $78,255 Average common shares outstanding79,209,073 56,275,628 Effect of dilutive stock-based compensation462,702 332,319 Average common shares outstanding - diluted79,671,775 56,607,947 Net income per common share - diluted$0.53 $1.38 Stock-based compensation awards that could potentially dilute basic net income per common share in the future that were not included in the computation of diluted net income per common share due to their anti-dilutive effect were as follows for the periods presented:Three Months Ended June 30, 20252024Number of shares5001,000Six Months Ended June 30, 20252024Number of shares1,4005,449

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Table of ContentsRenasant Corporation and SubsidiariesNotes to Consolidated Financial Statements (Unaudited)

Note 15 – Regulatory Matters

(In Thousands)The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that bank holding companies and banks must maintain. Those guidelines specify capital tiers, which include the following classifications:Capital TiersTier 1 Capital toAverage Assets(Leverage)Common Equity Tier 1 toRisk - Weighted AssetsTier 1 Capital toRisk - WeightedAssets Total Capital toRisk - WeightedAssetsWell capitalized5% or above6.5% or above 8% or above 10% or aboveAdequately capitalized4% or above4.5% or above 6% or above 8% or aboveUndercapitalizedLess than 4%Less than 4.5% Less than 6%