Company: RNST
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000715072-25-000234
Chunk: 193

Company: RENASANT CORP
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 193
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, could have a material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that bank holding companies and banks must maintain. Those guidelines specify capital tiers, which include the following classifications:Capital TiersTier 1 Capital toAverage Assets(Leverage)Common Equity Tier 1 toRisk - Weighted AssetsTier 1 Capital toRisk - WeightedAssets Total Capital toRisk - WeightedAssetsWell capitalized5% or above6.5% or above 8% or above 10% or aboveAdequately capitalized4% or above4.5% or above 6% or above 8% or aboveUndercapitalizedLess than 4%Less than 4.5% Less than 6% Less than 8%Significantly undercapitalizedLess than 3%Less than 3% Less than 4% Less than 6%Critically undercapitalized Tangible Equity / Total Assets less than 2%The following table provides the capital, risk-based capital and leverage ratios for the Company and for the Bank as of the dates presented: September 30, 2025December 31, 2024 AmountRatioAmountRatioRenasant CorporationTier 1 Capital to Average Assets (Leverage)$2,364,465 9.46 %$1,935,522 11.34 %Common Equity Tier 1 Capital to Risk-Weighted Assets2,364,465 11.04 %1,825,197 12.73 %Tier 1 Capital to Risk-Weighted Assets2,364,465 11.04 %1,935,522 13.50 %Total Capital to Risk-Weighted Assets3,187,027 14.88 %2,449,129 17.08 %Renasant BankTier 1