Company: RNST
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0000715072-25-000180
Chunk: 165

Company: RENASANT CORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Item 8
Chunk 165
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 sale, by loan type and the percentage of each loan type to total loans as of the dates presented:

 March 31, 2025December 31, 2024 TotalLoansPercentage of Total LoansTotalLoansPercentage of Total LoansCommercial, financial, agricultural$1,888,580 14.47 %$1,885,817 14.64 %Lease financing, net of unearned income85,412 0.65 90,591 0.70 Real estate – construction:Residential273,583 2.10 256,655 1.99 Commercial817,279 6.26 836,998 6.50 Total real estate – construction1,090,862 8.36 1,093,653 8.49 Real estate – 1-4 family mortgage:Primary2,471,818 18.94 2,428,076 18.84 Home equity551,305 4.22 544,158 4.22 Rental/investment434,069 3.32 402,938 3.13 Land development125,888 0.96 113,705 0.88 Total real estate – 1-4 family mortgage3,583,080 27.44 3,488,877 27.07 Real estate – commercial mortgage:Owner-occupied1,949,177 14.93 1,894,679 14.70 Non-owner occupied4,262,145 32.65 4,226,937 32.81 Land development108,798 0.83 114,452 0.89 Total real estate – commercial mortgage6,320,120 48.41 6,236,068 48.40 Installment loans to individuals87,539 0.67 90,014 0.70 Total loans, net of unearned income$13,055,593 100.00 %$12,885,020 100.00 %

43

Loan concentrations are considered to exist when there are amounts loaned to a number of borrowers engaged in similar activities that would cause them to be similarly impacted by economic or other conditions. At March 31, 2025, there were no concentrations of loans exceeding 10% of total loans other than loans disclosed in the table above. Non-owner occupied commercial mortgage term loans was