Company: RNST
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0000715072-25-000211
Chunk: 189

Company: RENASANT CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 8
Chunk 189
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quately capitalized4% or above4.5% or above 6% or above 8% or aboveUndercapitalizedLess than 4%Less than 4.5% Less than 6% Less than 8%Significantly undercapitalizedLess than 3%Less than 3% Less than 4% Less than 6%Critically undercapitalized Tangible Equity / Total Assets less than 2%The following table provides the capital, risk-based capital and leverage ratios for the Company and for the Bank as of the dates presented: June 30, 2025December 31, 2024 AmountRatioAmountRatioRenasant CorporationTier 1 Capital to Average Assets (Leverage)$2,314,564 9.36 %$1,935,522 11.34 %Common Equity Tier 1 Capital to Risk-Weighted Assets2,314,564 11.08 %1,825,197 12.73 %Tier 1 Capital to Risk-Weighted Assets2,314,564 11.08 %1,935,522 13.50 %Total Capital to Risk-Weighted Assets3,128,661 14.97 %2,449,129 17.08 %Renasant BankTier 1 Capital to Average Assets (Leverage)$2,480,714 10.05 %$1,843,123 10.80 %Common Equity Tier 1 Capital to Risk-Weighted Assets2,480,714 11.88 %1,843,123 12.85 %Tier 1 Capital to Risk-Weighted Assets2,480,714 11.88 %1,843,123 12.85 %Total Capital to Risk-Weighted Assets2,742,024 13.13 %2,022,737 14.10 %The Company elected to take advantage of transitional relief offered by the Federal Reserve and the FDIC to delay for two years the estimated impact of ASC Topic 326, “Financial Instruments - Credit Losses” (“ASC 326”), often referred to as CECL, on regulatory capital, followed by a three-year transitional period to phase out the capital benefit provided by the two-year delay. The three-year transitional period began on January 1,