---
schema_version: "secwatch.filing_event.v1"
accession: "0000715072-23-000041"
form_type: "8-K"
ticker: "RNST"
cik: "0000715072"
company_name: "RENASANT CORP"
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T11:13:54.482384+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Renasant Q4 net income $46.3M, diluted EPS $0.82; completes RBC acquisition

## Summary
- Q4 net income $46.3M ($0.82 diluted EPS) vs $37.1M ($0.66) in Q4 2021; adjusted diluted EPS $0.89.
- Acquired Republic Business Credit on Dec 30, adding $77.5M loans; merger expenses $1.1M.
- Net interest margin 3.78%, up 24 bps linked quarter; loan growth $473.3M (14.14% annualized ex-RBC).
- Allowance for credit losses on loans 1.66%, NPL ratio 0.49%; provision $10.5M driven by loan growth.
- Deposits increased $54.8M; noninterest-bearing deposits fell $268.5M to 33.8% of total; cost of deposits 52 bps.

## SEC filing metadata
- accession: 0000715072-23-000041
- form_type: 8-K
- ticker: RNST
- cik: 0000715072
- company_name: RENASANT CORP
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/715072/000071507223000041/0000715072-23-000041-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715072/000071507223000041/rnst-20230124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715072-23-000041
- JSON: https://secwatch.observer/filing/0000715072-23-000041.json
- Plain text: https://secwatch.observer/filing/0000715072-23-000041.txt

## Key facts
- Earnings Releases
  RENASANT CORP reported the fourth quarter of 2022 results: net income $46.3 million, EPS $0.82.
  - Period: the fourth quarter of 2022
  - Net income: $46.3 million
  - EPS: $0.82
  - Result: reported results
  source text: Net income for the fourth quarter of 2022 was $46.3 million with diluted EPS of $0.82
  evidence_url: https://www.sec.gov/Archives/edgar/data/715072/000071507223000041/0000715072-23-000041-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.