# RENASANT BANK
TUPELO, MS · FDIC certificate 12437 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $26.99B | |
| Deposits | $22.17B | |
| Loans and leases | $19.44B | |
| Total equity | $4.16B | |
| Loans / deposits | 86.36% (p53 of band) | 85.78% |
| Liquid assets / assets | 17.41% (p26 of band) | |
| Uninsured deposits / deposits | 46.27% (p72 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.17% (p12 of band) | |
| FHLB advances / assets | 1.15% | |
| Tier 1 leverage | 10.72% (p65 of band) | 10.17% |
| Unrealized securities loss / equity | -4.32% (p69 of band) | -7.43% |
| AOCI / equity | -0.34% (p50 of band) | |
| ROA (annualized) | 1.40% (p65 of band) | 1.24% |
| Net interest margin | 3.97% (p77 of band) | 3.57% |
| Efficiency ratio | 52.70% (p44 of band) | |
| Noncurrent loans | 0.96% (p75 of band) | 0.66% |
| Net charge-offs (annualized) | 0.04% (p32 of band) | |
| Reserve coverage of noncurrent | 158.73% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 48.35% (p76 of band) | |
| Auto loans | $19.6M (0.10% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $259.3M (6% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 2952 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | uninsured deposits >50% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | capital falling, deposits shrinking, assets shrinking |
| 2012-09 | 2 | uninsured deposits leaving | uninsured deposits >50% |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | liquid assets <10% |  |
| 2018-03 | 0 |  | liquid assets <10% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | expense ratio p90 |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-26 [Renasant names KBW alum as its next CFO - Banking Dive](https://news.google.com/rss/articles/CBMirgFBVV95cUxOTW8xb2thQURTT1g3YjFEU1JaWFllZWlTd0QzMGVJN0tXTDlwTWNQT2FQZklzZjRFdEtFYnpORDRkb2s3VU5kcHJCMzd3ZUVVX29pMlE0NEs1TE1pNEU3TVNvcFg2dGp3VVdNRXdfN0xnOHB4MTRWMWFwaUxhZ05TUXE4eWx2djE2UUEyM0M4UUtxdExoQ0JMZ2pNdE1yX3N2NzhXV0Mwc245Q3c1ZlE?oc=5) · Banking Dive
- 2026-08-20 [Southern Miss strikes 10-year, $13.7M agreement with Renasant Bank to rename football stadium - SuperTalk Mississippi Media](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPcnR4YXJid1FVUGNzdTBUVERmYXFuUlRFNFZfSmZ1dldzQWdJQ1VCQjJDbG1nMURXR1ZTNUp6UVNxU1I3bGFCWnVFaWhXMXgzZzhtM1Y5LXZ0Y3Z3cW85TjNCNkFLU1lqbXdNX0tGOGZKRkF4VThvOUMwQ0dGQ0otM1JKQjI4RVFIX3pMUVp4aUFNVklieDV6S1JRbW1FWmN4eVpPbldybjN1WjliTkhqWldvLXhLSm5X?oc=5) · SuperTalk Mississippi Media
- 2026-06-18 [Renasant Bank hosts new event on June 23: “Improving Health/Building Wealth” - WLBT](https://news.google.com/rss/articles/CBMipAFBVV95cUxQMDZXUnpycmtGQlk1Q3VwVjZ3MjZGcG1fY2d4UjY3c2FMWnVqN2xyUGhaZEVFX2l1VU95cU5iQTlDV1lmSWhDX2NNdFZTelFxaXBZVmZmNXNfSWFKN2JTTGhwbXpwMjd4RnVZS2V0VFRNazdVMkZGRG01djExZzJUUWJiMkFmWE1KdXBJYlZ2MGhGb2g1OVo4cWctRzlNTW9mN21sX9IBuAFBVV95cUxNV0dMMUdFRUpBZThvWlE1TnZ5QnJBck9ETHVzWXZPWGZMYVI3Q2V4c1pRSU5zQ3p4b1pMVDkwRFVHLWg3dWlwbEpwenRnQUw2Zlc3ZUo0ZVRPUG1BOTcwbUUtOW9IR2ZTX1Q4SU5mVG43Uy1yUVZzU05MaC1mNHN4LWxBT09sX2FUWldOM09aZkFBX1VldnM0UksteWhaVlJDR0JoU2JENWNzNV9oVERrN21SenBrLThP?oc=5) · WLBT
- 2026-09-02 [USM Football Stadium Renamed Under Renasant Bank Deal - sm2media.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbFQ4anVPSHc1YjY1dnRnODJaY2tlQ3NRYzllR1hwVE1kanF3aUxXYjhTUThkTVhGLUZ6NHc4U0JLWjUtRnBUQlNkb1p5UnNzQ21qOFF0SkFudFMwdU0zYTR3aWF5eUp1aHFkUGcxVVAzWjczenNKS0JNbmh4bTFmZTRqR0Vma0RVZ2hsMmlsRkN1Zw?oc=5) · sm2media.com
- 2026-06-11 [Armed Career Criminal from Memphis Sentenced to More Than 17 Years in Federal Prison for Bank Robbery and Being a Felon in Possession of a Firearm - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMivwFBVV95cUxQamFGVGo5UlljdUtsVWUxUG9FQjlHZHlfcWYxVXV3LXZDT1QzRURtam5DMVdHQWZqdzhDdDZJYkRBVDBnd3dvTGlxSTM1SldFbHVOS09PYTE5NWdQSy1TV0E4YmJuSk9MaHBPcDRkUVJZaWdqbVVIZXhuQmJsYlkyVkVtOFVvWHhiN0FBRk1TdkxRbGxxUjZ2eGdiWDZ5a1ZRRGZQOWJFVzZ0ZXF4ekw2NDQ0TTdEXzlvaHJkNU1mbw?oc=5) · Department of Justice (.gov)
- 2026-08-20 [Why Southern Miss' Lucrative Renasant Stadium Deal Is Bigger Than a Name Change - Sports Illustrated](https://news.google.com/rss/articles/CBMiugFBVV95cUxQVTZlclVTZDNkbjUzQy1KQk5aTjROblRXSHFCQkFjN2lsQnhQdEtIcjVWWTB4S3lKYVhOMll4elFRSTVrUHpqUUFFb0dmMEE1T0t1RV96S19wV0VUcDUxbGlJTHVtdTdjcks4djUtMDYwcmpXM2RYZlVweFJwLV9JWUdfLTVVU0V2ZFkwNUZfblVHTVUxRmd1OEVfQVlmSTRZOG1MMmpPMmxpZmxnTWR3OGp4SzB4ZkdSTWc?oc=5) · Sports Illustrated
- 2026-01-16 [Renasant Bank breaks ground on new Pascagoula location - WLOX](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRkZSd2NNNmUtRFRqbG9UekpScVJiNHNuYnVqVzd2Qk45UHl5azNFdFFBbHRxdjNmUzJyZS1NVm9mN19XTzFDYk5mR003SmJyVzB1TWRtZXJhd2lVOVI4QkVfdDBabkQ5Y1V5Q2ZLOHJISHc5RVI2clVXSGxnSnZfMExKeDRZLWdhY1BELWgyY0lMcngw?oc=5) · WLOX
- 2026-04-13 [Renasant Bank Starts 2026 Financial Education Series - WLBT](https://news.google.com/rss/articles/CBMijgFBVV95cUxQcDk0QklxOE9nTk5JS3FTUlYtdDFBT0RkZ1Z1NHF5NXh4ZlNaQ1Z0Z0VRTFNUUnoxVVcyOG5kT3hIMVdOR0hpdG9fWENueDk3ZGFGZHNzSl9PV3RNQXdiUmtuTG9yYXVmWHVycmtBRU5vZmkwcDdyV3N6TE1BWmVVTE1JTndpRmxVOHFyeVJR0gGiAUFVX3lxTE10V2NLZUhYSEtBQVh4WGN0UjdlODBRYmNzeE56bnBLT1M0b2tYWUtSUEZvdHNSc19rYXZWbGU5eUhLdW5FRi1kdThxRmdDMHh5OG5Ya2otY29mZlZ5U2kwLTBOSWZTNWZQSXpDQThsWWFvU2NwQU5mODBOa3ZwX0NweHltUkdlNDc5cFp2eGZtckVZeHI2TG1VTjdtMDRzVDZSUQ?oc=5) · WLBT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12437 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "12437", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide