Company: RNST
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0000715072-25-000211
Chunk: 151

Company: RENASANT CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 8
Chunk 151
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 rating between 10 and 60) generally have a lower risk of loss and therefore a lower risk factor applied to the loan balances. The “Special Mention” grade (those with a risk rating of 70) represents a loan where a significant adverse risk-modifying action is anticipated 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:

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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