Company: RNST
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0000715072-25-000211
Chunk: 252

Company: RENASANT CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 252
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 of Total LoansCommercial, financial, agricultural$2,666,923 14.37 %$1,885,817 14.64 %Lease financing, net of unearned income89,568 0.48 90,591 0.70 Real estate – construction:Residential380,040 2.05 256,655 1.99 Commercial959,927 5.17 836,998 6.50 Total real estate – construction1,339,967 7.22 1,093,653 8.49 Real estate – 1-4 family mortgage:Primary3,082,720 16.61 2,428,076 18.84 Home equity722,389 3.89 544,158 4.22 Rental/investment843,334 4.54 402,938 3.13 Land development226,236 1.22 113,705 0.88 Total real estate – 1-4 family mortgage4,874,679 26.26 3,488,877 27.07 Real estate – commercial mortgage:Owner-occupied3,288,006 17.71 1,894,679 14.70 Non-owner occupied5,953,136 32.07 4,226,937 32.81 Land development228,992 1.23 114,452 0.89 Total real estate – commercial mortgage9,470,134 51.01 6,236,068 48.40 Installment loans to individuals122,176 0.66 90,014 0.70 Total loans, net of unearned income$18,563,447 100.00 %$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 June 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 32.07% of total loans at June 30, 2025. The following table presents the loan segments, determined by collateral type, within the non-owner occupied commercial mortgage loan category as of the date presented.

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