Company: RNST
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0000715072-25-000211
Chunk: 278

Company: RENASANT CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 278
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203.88 %Nonaccrual loans210.70 %204.38 %

67

The table below reflects annualized net charge-offs (recoveries) to daily average loans outstanding, by loan category, for the periods presented:

Six Months EndedJune 30, 2025June 30, 2024Net Charge-offs (Recoveries)Average LoansAnnualized Net Charge-offs (Recoveries) to Average LoansNet Charge-offs (Recoveries)Average LoansAnnualized Net Charge-offs (Recoveries) to Average LoansCommercial, financial, agricultural$4,332$2,171,8920.40%$(336)$1,860,832(0.04)%Lease financing2,38187,1895.51%(18)105,877(0.03)%Real estate – construction1051,240,7070.02%—1,319,572—%Real estate – 1-4 family mortgage5584,193,2290.03%2173,422,4330.01%Real estate – commercial mortgage4,2837,923,6770.11%5,6225,684,8810.20%Installment loans to individuals270105,8820.51%16098,2190.33%Total$11,929$15,722,5760.15%$5,645$12,491,8140.09%

The following table provides further details of the Company’s net charge-offs of loans secured by real estate for the periods presented:

Three Months EndedSix Months Ended June 30,June 30, 2025202420252024Real estate – construction:Residential$105 $— $105 $— Total real estate – construction105 — 105 — Real estate – 1-4 family mortgage:Primary152 169 391 161 Home equity130 18 190 19 Rental/investment— (3)(23)38 Land development— (1)— (1)Total real estate – 1-4 family mortgage282 183 558 217 Real estate – commercial mortgage:Owner-occupied3,884 (56)4,341 (59)Non-owner occupied(55)5,684 (57)5,681 Land development(1)— (1)— Total real estate – commercial mortgage3,828 5,628 4