Company: RNST
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0000715072-25-000211
Chunk: 116

Company: RENASANT CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 116
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 value of $433,400 at June 30, 2025, of which $416,879 is included in the Company’s Tier 2 capital. 

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% 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%

75

The following table provides the capital, risk-based capital and leverage ratios for the Company and for Renasant Bank as of the dates presented:

 ActualMinimum CapitalRequirement to beWell CapitalizedMinimum CapitalRequirement to beAdequatelyCapitalized (including the Capital Conservation Buffer) AmountRatioAmountRatioAmountRatioJune 30, 2025Renasant Corporation:Risk-based capital ratios:Common equity tier 1 capital ratio$2,314,564 11.08 %$1,358,118 6.50 %$1,462,589 7.00 %Tier 1 risk-based capital ratio2,314,564 11.08 1,671,530 8.00 1,776,001 8.50 Total risk-based capital ratio3,128,661 14.97 2,089,413 10.00 2,193,883 10.50 Leverage capital ratios:Tier 1 leverage ratio2,314,564 9.36 1,235,856 5.00 988,685 4.