RNST RENASANT CORP

company

SEC Filings & Insider Trading Activity 2026

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

What are the latest RNST SEC filings in 2026?

RENASANT CORP (RNST) has filed a 10-K annual report on March 2, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on July 28, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did RNST file its most recent 10-K annual report?

RENASANT CORP (RNST) filed its most recent 10-K annual report on March 2, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view RNST 10-Q quarterly reports?

RENASANT CORP (RNST)'s most recent 10-Q quarterly report was filed on May 7, 2026. SignalX displays every RNST 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has RNST filed recently?

RENASANT CORP (RNST)'s most recent 8-K was filed on July 28, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find RNST insider trading activity (Form 4)?

SignalX aggregates every RNST Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does RNST file with the SEC?

RENASANT CORP (RNST) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new RNST filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for RENASANT CORP (RNST).

What is RNST's SEC CIK number?

RENASANT CORP (RNST)'s SEC CIK (Central Index Key) number is 715072. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 715072 to look up all RNST filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find RNST return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from RENASANT CORP (RNST) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.