RENASANT CORP (RNST) FY2025 10-K Annual Report
RENASANT CORP (RNST) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Mar 2, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
RENASANT CORP FY2025 10-K Analysis
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
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
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
RENASANT CORP FY2025 Key Financial MetricsXBRL
Revenue
$1.3B
▲ +42.2% YoY
Net Income
$181M
▼ -7.3% YoY
Net Margin
14.4%
▼ -766bp YoY
ROE
4.7%
▼ -263bp YoY
Total Assets
$26.8B
▲ +48.3% YoY
EPS (Diluted)
$2.07
▼ -36.7% YoY
Operating Cash Flow
$271M
▲ +109.7% YoY
Source: XBRL data from RENASANT CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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