Company: RNST
Filing Date: 2025-02-07
Form Type: S-3
Source: 0000715072-25-000030
Chunk: 9

Company: RENASANT CORP
Filing Date: 2025-02-07
Form: S-3
Chunk 9
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 the consumer finance, commercial finance, financial services, asset management, retail banking, mortgage lending and auto lending industries;

• the financial resources of, and products available to, competitors;

• changes in laws and regulations, as well as changes in accounting standards;

• changes in policy by regulatory agencies or increased scrutiny by, and/or additional regulatory requirements of, regulatory agencies in connection with proposed acquisitions;

• changes in the securities and foreign exchange markets;

• our potential growth, including our entrance or expansion into new markets, and the need for sufficient capital to support that growth;

• changes in the quality or composition of our loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of our investment securities portfolio;

• an insufficient allowance for credit losses as a result of inaccurate assumptions;

• general economic, market or business conditions, including the impact of inflation;

• changes in demand for loan and deposit products and other financial services;

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• concentrations of credit or deposit exposure;

• changes or the lack of changes in interest rates, yield curves and interest rate spread relationships;

• increased cybersecurity risk, including potential network breaches, business disruptions or financial losses;

• civil unrest, natural disasters, epidemics and other catastrophic events in our geographic area;

• geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad;

• the impact, extent and timing of technological changes; and

• other circumstances, many of which are beyond management’s control.

Additional factors that could cause our results to differ materially from those described in the forward-looking statements can be found in our reports (such as Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K) filed with the SEC and available at the SEC’s website (www.sec.gov). All subsequent written and oral forward-looking statements concerning Renasant or other matters and attributable to Renasant or any person acting on our behalf are expressly qualified in their entirety by the cautionary statements above.

Renasant undertakes no obligation, and specifically disclaims any obligation, to update or revise forward-looking statements, whether as a result of new information or to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time, except as required by federal securities laws