---
schema_version: "secwatch.filing_event.v1"
accession: "0000715072-26-000004"
form_type: "8-K"
ticker: "RNST"
cik: "0000715072"
company_name: "RENASANT CORP"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:42:10.166647+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Renasant Q4 2025 net income $78.9M, adjusted EPS $0.91, NIM expands 4 bps

## Summary
- Net income $78.9M in Q4 2025, up from $44.7M in Q4 2024; diluted EPS $0.83, adjusted $0.91.
- Net interest margin 3.89% (+4 bps QoQ); cost of total deposits down 17 bps to 1.97%.
- Loans up $21.5M QoQ; deposits up $48.5M; noninterest income +$5.1M incl $2.0M from LIHTC exit.
- Repurchased $13.2M stock at avg $34.29; $150M buyback program authorized through Oct 2026.
- Merger expenses $10.6M in Q4; net branch consolidation gain $2.1M; integration progress.

## SEC filing metadata
- accession: 0000715072-26-000004
- form_type: 8-K
- ticker: RNST
- cik: 0000715072
- company_name: RENASANT CORP
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/715072/000071507226000004/0000715072-26-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715072/000071507226000004/rnst-20260127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715072-26-000004
- JSON: https://secwatch.observer/filing/0000715072-26-000004.json
- Plain text: https://secwatch.observer/filing/0000715072-26-000004.txt

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