Company: RNST
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000715072-25-000234
Chunk: 203

Company: RENASANT CORP
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 203
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. The acquisition of The First increased total loans $5,171,236, excluding loans held for sale, at April 1, 2025.

The table below sets forth the balance of loans outstanding, net of unearned income and excluding loans held for sale, by loan type and the percentage of each loan type to total loans as of the dates presented:

 September 30, 2025December 31, 2024 TotalLoansPercentage 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