Company: RNST
Filing Date: 2025-06-27
Form Type: 11-K
Source: 0000715072-25-000202
Chunk: 3

Company: RENASANT CORP
Filing Date: 2025-06-27
Form: 11-K
Chunk 3
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604 |
| End of year                                       |     | $                       | 320,210 |     | $ | 295,642 |

See Notes to Financial Statements.

<div align='center'>3

Renasant Bank 401(k) Plan

Notes to Financial Statements</div>

#### Note A – Description of Plan
This description of the Renasant Bank 401(k) Plan (the “Plan”) is provided for general information purposes only. Participants should refer to the Plan document for more complete information.

General : The Plan is a defined contribution plan that includes a “safe harbor” arrangement within the meaning of Section 401(k)(13) of the Internal Revenue Code of 1986, as amended (the “Internal Revenue Code”), and is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). The Plan covers substantially all employees of Renasant Bank (the “Bank”) and its parent company, Renasant Corporation (the “Company”), as well as all employees of the Bank’s wholly-owned subsidiaries, Renasant Insurance, Inc., Park Place Capital Corporation and Continental Republic Capital, LLC.

The Plan was amended in 2021, such that executive officers are no longer eligible to receive an allocation of the Bank’s profit sharing contributions. The Plan was amended in 2022 to add Continental Republic Capital, LLC as a participating employer. Following the Bank’s acquisition of Southeastern Commercial Finance, LLC in 2022, The Southeastern Commercial Finance 401(k) Profit Sharing Plan was merged into the Plan, with the assets transferring into the Plan during 2023. Effective July 1, 2024, the Bank sold substantially all of the assets of Renasant Insurance, Inc., the Bank’s wholly-owned subsidiary. As a result of the sale, terminated employees were presented the option to keep their account balances in the Plan or roll over their balance into another qualified retirement plan.

Eligibility : Common law employees, other than employees subject to a collective bargaining agreement, non-resident aliens and temporary and seasonal workers, are immediately eligible to participate in the Plan.

Contributions : Participants may voluntarily defer compensation up to applicable IRS limits, as defined in the Plan document. Any deferrals in excess of applicable IRS limits are distributed to the participant in accordance with the terms of the Plan and are included in the line item “Corrective distributions” in the Statements of Changes in Net Assets Available for Benefits. Participants may also roll over distributions from other qualified retirement plans, subject to the approval of the Plan