Company: RNST
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000715072-25-000234
Chunk: 212

Company: RENASANT CORP
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 212
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 staying disciplined yet competitive in pricing on interest-bearing deposits in the current rate environment.

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The following tables set forth a summary of the changes in interest earned, on a tax equivalent basis, and interest paid resulting from changes in volume and rates for the Company for the three and nine months ended September 30, 2025, as compared to the same periods in 2024 (the changes attributable to the combined impact of yield/rate and volume have been allocated on a pro-rata basis using the absolute value of amounts calculated):

Three Months Ended September 30, 2025 Compared to the Three Months Ended September 30, 2024VolumeRateNetInterest income:Loans held for investment$102,755 $4,213 $106,968 Loans held for sale296 167 463 Securities:Taxable10,058 7,837 17,895 Tax-exempt1,175 1,363 2,538 Interest-bearing balances with banks(991)(2,785)(3,776)Total interest-earning assets113,293 10,795 124,088 Interest expense:Interest-bearing demand deposits30,586 (8,832)21,754 Savings deposits378 (164)214 Brokered deposits(1,998)— (1,998)Time deposits8,507 (3,691)4,816 Borrowed funds4,996 (249)4,747 Total interest-bearing liabilities42,469 (12,936)29,533 Change in net interest income$70,824 $23,731 $94,555 Nine months ended September 30, 2025 Compared to the Nine Months Ended September 30, 2024VolumeRateNetInterest income:Loans held for investment$203,699 $12,297 $215,996 Loans held for sale2,076 196 2,272 Securities:Taxable17,378 17,642 35,020 Tax-exempt2,411 2,923 5,334 Interest-bearing balances with banks7,810 (9,545)(1,735)Total interest-earning assets233,374 23,513 256,887 Interest expense:Interest-bearing demand deposits75,668 (31,294)44,374 Savings deposits892 (394)498 Brokered deposits(11,929)—