Company: RNST
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0000715072-25-000211
Chunk: 29

Company: RENASANT CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 29
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 in the near term that, if left uncorrected, could result in deterioration of the credit quality of the loan. Loans that migrate toward the “Substandard” grade (those with a risk rating between 80 and 95) generally have a higher risk of loss and therefore a higher risk factor applied to those related loan balances.The following tables present the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented:

21

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

 Term Loans Amortized Cost Basis by Origination Year 20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotalLoansJune 30, 2025Commercial, Financial, Agricultural$363,452 $368,496 $261,941 $280,698 $175,840 $178,431 $1,007,753 $3,781 $2,640,392 Pass362,626 356,330 238,997 274,078 174,343 173,593 989,924 8 2,569,899 Special Mention152 3,574 20,104 46 534 2,532 8,309 — 35,251 Classified674 8,592 2,840 6,574 963 2,306 9,520 3,773 35,242 Lease Financing Receivables$6,396 $12,117 $16,805 $38,917 $9,246 $6,087 $— $— $89,568 Pass6,372 12,117 15,283 37,146 9,231 6,087 — — 86,236 Special Mention— — — 41 — — — — 41 Classified24 — 1,522 1,730 15 — — — 3,291 Real Estate - Construction$227,648 $413,999 $309,818 $259,094 $17,637 $— $25,466 $463 $1,254,125 Residential148,212 126,531 13,185 1,160 — — 5,110 —