Renasant Corp (NASDAQ: RNST) is a Southeast regional bank holding company that owns and operates Renasant Bank, a Mississippi banking corporation incorporated in 1982. It earns money primarily through net interest income on a diversified loan portfolio and through noninterest income from fee-based services. The loan portfolio at December 31, 2025 was weighted toward commercial real estate, non-owner occupied (32.79% of total loans), commercial real estate, owner occupied (17.51%), and other categories including C&I, construction and land development, residential real estate, and consumer loans. Beyond core banking, Renasant operates Park Place Capital Corporation, a registered investment advisor and broker-dealer parent, and Republic Business Credit, a factoring and asset-based lending business operating nationwide. GAAP net income was $181.3 million in FY2025 versus $195.5 million in FY2024. Total shareholders' equity was $3.88 billion at December 31, 2025, up from $2.68 billion at December 31, 2024, driven largely by the merger with The First.

Revenue model

Net interest income on loans and investment securities funded by deposits and borrowings, supplemented by noninterest income from mortgage servicing rights, factoring and asset-based lending fees, and investment advisory and brokerage fees. The insurance agency business was sold on July 1, 2024.

Products and services

Commercial real estate loans (owner-occupied and non-owner occupied including multi-family, retail, hotel, and storage), C&I loans, construction and land development loans, residential real estate loans, consumer loans, factoring and asset-based lending through Republic Business Credit, investment advisory services through Park Place Capital Corporation, brokerage services through Park Place Capital Securities Corporation, and mortgage servicing rights.

Customers and end markets

Business borrowers across commercial real estate, construction, and C&I segments; individual consumers for residential real estate and consumer loans; public fund depositors; and clients of investment advisory and brokerage services across the Southeast footprint.

Value-chain role

Deposit-taking bank that intermediates between depositors and borrowers across commercial, construction, and consumer loan categories; also operates as a factoring and asset-based lender on a nationwide basis through Republic Business Credit and as a registered investment advisor and broker-dealer through Park Place Capital.

Geographic exposure

Primarily the Southeastern United States, with Republic Business Credit operating on a nationwide basis. Renasant Bank is a Mississippi banking corporation with operations throughout the Southeast.

Source: SEC 10-K, filed 2026-03-02

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