Company: RNST
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000715072-25-000234
Chunk: 254

Company: RENASANT CORP
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 2
Chunk 254
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ansPercentage of Total LoansTotalLoansPercentage of Total LoansCommercial, financial, agricultural$2,760,490 14.51 %$1,885,817 14.64 %Lease financing, net of unearned income74,179 0.39 90,591 0.70 Real estate – construction:Residential404,651 2.13 256,655 1.99 Commercial1,122,839 5.90 836,998 6.50 Total real estate – construction1,527,490 8.03 1,093,653 8.49 Real estate – 1-4 family mortgage:Primary3,061,356 16.09 2,428,076 18.84 Home equity739,786 3.89 544,158 4.22 Rental/investment841,515 4.42 402,938 3.13 Land development239,955 1.26 113,705 0.88 Total real estate – 1-4 family mortgage4,882,612 25.66 3,488,877 27.07 Real estate – commercial mortgage:Owner-occupied3,321,186 17.46 1,894,679 14.70 Non-owner occupied6,120,677 32.17 4,226,937 32.81 Land development223,212 1.17 114,452 0.89 Total real estate – commercial mortgage9,665,075 50.80 6,236,068 48.40 Installment loans to individuals115,675 0.61 90,014 0.70 Total loans, net of unearned income$19,025,521 100.00 %$12,885,020 100.00 %

Loan concentrations are considered to exist when there are loans to a number of borrowers engaged in similar activities that would cause them to be similarly impacted by economic or other conditions. At September 30, 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 the largest concentration and comprised 32.17% of total loans at September 30, 2025. The following table provides additional detail, broken down by collateral type, about loan segments within the non