secwatch.observer — SEC 8-K summary
======================================

Issuer:     RENASANT CORP (RNST)
CIK:        0000715072
Form:       8-K
Filed at:   2025-07-22T23:59:59+00:00
Accession:  0000715072-25-000208
Event type: earnings
Sentiment:  negative
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Renasant Q2 net income $1.0M; adjusted EPS $0.69; merger closed April 1
-----------------------------------------------------------------------

- Net income $1.0M, diluted EPS $0.01; adjusted diluted EPS $0.69 (non-GAAP) vs $0.66 prior quarter.
- Net interest income $222.7M, up $85.3M linked quarter; net interest margin 3.85%, up 40 bps.
- Merger with The First Bancshares closed April 1, adding $7.9B assets; merger expenses $20.5M and Day 1 provision $66.6M.
- Organic loan growth $311.6M (6.9% annualized); organic deposit growth $361.3M (6.8% annualized).
- Provision for credit losses $81.3M, including $66.6M Day 1 provision; net charge-offs $12.1M.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/715072/000071507225000208/0000715072-25-000208-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/715072/000071507225000208/rnst-20250722.htm
  HTML page:      https://secwatch.observer/filing/0000715072-25-000208

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer