RNST at a glance
RENASANT CORP (RNST, SEC CIK 715072) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on August 25, 2026 and Form 4 insider filings as recently as October 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), RENASANT CORP (RNST) reported revenue of $1.3 billion (up 42.2% from FY2024) and net income of $181.3 million. Diluted EPS was $2.07.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding RENASANT CORP (RNST) shares worth $2.0 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by MCGRAW EDWARD ROBINSON on August 3, 2026 of 35,000 shares at $43.88 per share.
- In the last 90 days, RNST insiders reported 0 open-market purchases ($0) and 1 open-market sale ($1.5M) on Form 4, a net sale of $1.5M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.3B
- +42.2% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$1.5M
- 13F holders
- 32 funds
- $2.0B · +0 vs prior quarter
- Latest 8-K
- Aug 25, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional community banking with integrated wealth management and asset-based lending services across Southeastern U.S. markets
- Strategic shift: Completed merger with The First Bancshares, Inc. in April 2025, expanding footprint and consolidating subsidiary insurance operations which were fully divested by December 2025
- Segment change: Exited insurance segment after selling Renasant Insurance, Inc. assets in July 2024 and Southwest Georgia Insurance Services assets by end of 2025
- Quantitative metric: Total 277 community bank offices as of Dec 31, 2025; mortgage originations of approximately $2.4 billion in 2025 for secondary market sales
- Noteworthy fact: Bank became a state member of the Federal Reserve System effective Jan 31, 2026, resulting in new regulatory oversight and compliance requirements
Risk Factors
- Regulatory risk from FDIC deposit insurance hikes under Dodd-Frank Act, with 2 basis point increase effective Q1 2023 and special December 2023 assessments
- Geopolitical/macro exposure to March 2023 US bank failures causing deposit outflows to larger banks and surging funding costs
- Operational vulnerability from 75.10% of loan portfolio in higher-risk C&I, construction, and commercial real estate loans with large individual balances
- Competitive risk from national, regional, and fintech firms with lower cost structures and fewer regulatory constraints
- Financial risk from significant concentration with 84.64% of loans secured by real estate collateral susceptible to market value declines
Management Discussion & Analysis
- Revenue net interest income $820.6M, up 56.97% YoY from $522.5M, total noninterest income $181.9M, down 10.69% YoY from $203.7M
- Net income $181.3M, down from $195.5M; net interest margin 3.79% vs 3.34%; noninterest expense $651.7M up from $461.6M
- Best performing: Commercial real estate non-owner occupied loans $6.25B (32.79% concentration); worst: noninterest income decline mainly due to no insurance agency gain in 2025
- Deposits $21.47B, up from $14.57B, boosted by $6.45B from acquisition; total borrowings $1.06B with long-term debt $499.8M; capex and dividends details not disclosed
- Forward outlook: focus on stable funding growth, managing interest rate risk and liquidity; merger integration costs impacted 2025; no explicit guidance disclosed
AI summary of the RNST 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly net income $87.1M vs $1.0M YoY, up $86.1M or 8,455.1%
- Net interest income $222.8M vs $218.9M, up 1.8%; margin 3.83% vs 3.85%
- Best line securities interest income $35.7M, up 25.5%; loans interest income $299.7M, down 2.2%
- Cash and equivalents $881.2M, down $189.5M or 17.7% from December 31
- $300.0M subordinated notes issued; headwinds included competition, interest rates, credit quality and cybersecurity risks
Risk Factors
- No material changes to risk factors since the December 31, 2025 Form 10-K
- Carried-forward risks remain the principal investment considerations
- New $100.0 million repurchase authorization increases capital-allocation exposure
- 6.25% fixed-to-floating subordinated notes due 2036 introduce long-term interest-rate exposure
AI summary of the RNST 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- CFO transition: Catherine Mealor starts October 5, 2026; James Mabry retires December 31, 2026, with overlap supporting continuity
- Mealor brings 20+ years of financial-services analysis experience, including Southeast bank coverage at KBW
Item 7.01: Regulation FD Disclosure
- Reg FD filing contains a presentation with forward-looking statements, but no operating metrics or new financial guidance in the provided text
- Material risk: remediation of internal-control weakness identified in the December 31, 2025 Form 10-K
Item 2.02: Results of Operations and Financial Condition
- Second-quarter 2026 earnings announced on July 28, 2026
- Earnings details furnished in Exhibit 99.1, requiring review for financial results and outlook
Item 7.01: Regulation FD Disclosure
- Reg FD disclosure provides forward-looking-statement caution, not operating results or new financial guidance
- Material risk: remediation of material weakness in internal control over financial reporting identified for 2025
Item EX-99.1: Item EX-99.1
- Q2 2026 net income $87.1M and diluted EPS $0.94, substantially above Q2 2025 EPS $0.01
- Net interest margin 3.83%, down 4 basis points linked quarter as deposit costs rose to 1.96%
AI summaries of RNST 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for RNST
Don't miss the next RNST filing
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| MEALOR CATHERINE | A | Oct 5, 2026 | 11,273 | - |
| Suggs Sean M. | A | Sep 30, 2026 | 240.33 | $41.61 |
| MCGRAW EDWARD ROBINSON | Sell | Aug 3, 2026 | 35,000 | $43.88 |
| Suggs Sean M. | A | Jun 30, 2026 | 161.69 | $41.23 |
| Engel Connie L | Sell | May 29, 2026 | 1,257 | $40.90 |
| DALE ALBERT J III | Sell | May 19, 2026 | 1,650 | $39.80 |
| WAYCASTER C MITCHELL | Sell | May 14, 2026 | 12,704 | $39.50 |
| Deer Jill V | A | Apr 28, 2026 | 2,060 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $797.3M | $887.8M | $1.3B |
| Net Income | $144.7M | $195.5M | $181.3M |
| Net Margin | 18.1% | 22.0% | 14.4% |
| Balance Sheet | |||
| Total Assets | $17.4B | $18.0B | $26.8B |
| Equity | $2.3B | $2.7B | $3.9B |
| ROE | 6.3% | 7.3% | 4.7% |
| Per Share | |||
| EPS | - | $3.27 | $2.07 |
| Cash Flow | |||
| Operating CF | $148.6M | $129.4M | $271.5M |
| CapEx | $21.6M | $13.6M | $33.7M |
Source: XBRL data in RENASANT CORP (RNST)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate RNST share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $2.04B |
| Q1 2026 | 32 | $1.67B |
| Q4 2025 | 28 | $1.63B |
| Q3 2025 | 30 | $1.72B |
| Q2 2025 | 30 | $1.67B |
| Q1 2025 | 26 | $902.9M |
| Q4 2024 | 22 | $749.4M |
| Q3 2024 | 20 | $426.7M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 220 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
RNST filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 6, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 8-K | Aug 25, 2026 | - | Analysis | - |
| SC 13G | Aug 13, 2026 | - | - | |
| 8-K | Aug 6, 2026 | - | Analysis | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 3, 2026 | - | - | - |
| 8-K | Jul 28, 2026 | - | Analysis | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jun 9, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 8-K | May 15, 2026 | - | Analysis | |
| 4 | May 15, 2026 | - | - | |
| SC 13G | May 12, 2026 | - | - | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 7, 2026 | - | Analysis | |
| 8-K | May 1, 2026 | - | Analysis | - |
| 4 | Apr 30, 2026 | - | - | - |
| 4 | Apr 30, 2026 | - | - | - |
| 4 | Apr 30, 2026 | - | - | - |
| 4 | Apr 30, 2026 | - | - | - |
| 4 | Apr 30, 2026 | - | - | - |
| 8-K | Apr 30, 2026 | - | Analysis | - |
| SC 13G | Apr 30, 2026 | - | - | |
| 4 | Apr 30, 2026 | - | - | - |
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RNST SEC filings: frequently asked questions
Are RNST insiders buying or selling?
In the last 90 days, RENASANT CORP (RNST) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $1.5 million by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold RNST stock?
As of June 30, 2026, the largest RENASANT CORP (RNST) holders among the 13F filers tracked by SignalX were BlackRock ($566.7 million), Vanguard Portfolio Management LLC ($245.8 million), Dimensional Fund Advisors ($230.1 million), State Street Corp ($218.7 million), Vanguard Capital Management LLC ($176.5 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was RNST's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), RENASANT CORP (RNST) reported revenue of $1.3 billion (up 42.2% from FY2024) and net income of $181.3 million. Diluted EPS was $2.07. The figures come from the XBRL data in the 10-K.
What are the main risks in RNST's latest 10-K?
In the 10-K filed March 2, 2026, RENASANT CORP (RNST) flagged: Regulatory risk from FDIC deposit insurance hikes under Dodd-Frank Act, with 2 basis point increase effective Q1 2023 and special December 2023 assessments. Geopolitical/macro exposure to March 2023 US bank failures causing deposit outflows to larger banks and surging funding costs. (AI summary of the Risk Factors section.)
What did RNST report in its latest 8-K?
RENASANT CORP (RNST) filed an 8-K on August 25, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). CFO transition: Catherine Mealor starts October 5, 2026; James Mabry retires December 31, 2026, with overlap supporting continuity.
What are the latest RNST SEC filings?
RENASANT CORP (RNST) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on August 25, 2026 and a Form 4 insider filing on October 6, 2026.
What is RNST's SEC CIK number?
RENASANT CORP (RNST)'s SEC Central Index Key (CIK) is 715072. EDGAR lists every RNST filing under that number.
Ask anything about RNST
The research agent reads RNST's filings, financials, insider trades and 13F holders, then answers with sources.