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Renasant Bank
Tupelo, MS·FDIC Cert #12437·Charter: STATE·Est. 19040227.0·HC: RENASANT CORP
Total Assets
$26.7B
Q4 2025
Return on Assets
0.89%
+0.16%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.24%
Peer avg: 52.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.89%+0.16
ROE
5.94%+1.08
Efficiency
61.24%-1.74
Equity/Assets
0.00%+0.00
NPL Ratio
0.93%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.35%+0.09
Charge-offs
0.15%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.3 | 1.2 | 1.0 | 0.5 | 0.7 | 0.9 |
| ROE | 7.1 | 7.0 | 8.6 | 8.3 | 6.9 | 3.5 | 4.9 | 5.9 |
| Efficiency | 64.6 | 64.5 | 59.9 | 61.1 | 63.2 | 63.1 | 63.0 | 61.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.8 | 0.9 | 0.9 | 0.8 | 0.8 | 0.9 | 0.9 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | -0.0 | 0.2 | 0.1 | 0.2 |
| Loan/Deposit | 86.7 | 87.9 | 85.4 | 86.3 | 86.2 | 84.9 | 87.3 | 87.3 |
Balance Sheet
Total Assets$26.7B
Total Deposits$21.8B
Total Loans$19.0B
Total Equity$4.0B
Profitability
ROA0.89%
ROE5.94%
Efficiency Ratio61.24%
Net Income$206.9M
Risk & Asset Quality
NPL Ratio0.93%
Charge-off Rate0.15%
Loan/Deposit87.35%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans