Slide 1: Second Quarter 2026 Investor Presentation
Second Quarter 2026 Investor Presentation
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation may contain various statements about Renasant Corporation (“Renasant,” the “Company,” “we,” “our,” or “us”) that constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Se
Slide 3: Overview
Overview Note: As of June 30, 2026 (1) As determined by the office or branch of origination Snapshot Footprint Loans and Deposits by State(1) * Republic Business Credit operates on a nationwide basis. Locations in California, Illinois and Texas are not shown. Assets: $27.0 billion Loans: 19.2 Deposi
Slide 4: Second Quarter Highlights
Second Quarter Highlights • Net income was $87.1 million with both diluted EPS and adjusted diluted EPS (non-GAAP)(1) of $0.94 • Net interest margin was 3.83%, down 4 basis points linked quarter; adjusted net interest margin (non-GAAP)(1) was flat at 3.61% • Loans increased $220.9 million, or 4.7% a
Slide 5: Balance Sheet
$26,625 $26,726 $26,751 $27,107 $27,005 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $18,563 $19,026 $19,047 $18,975 $19,196 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $21,583 $21,425 $21,473 $22,099 $21,701 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $3,779 $3,826 $3,885 $3,867 $3,871 2Q 2025 3Q 2025 4Q 2025 1
Slide 6: Deposit Funding
(1) Includes money market deposits (2) Excludes time deposits and public fund deposits Composition ($000s) Quarter Highlights $21,701,052 $22,099,484 $21,473,070 $21,424,555 $21,582,637 Noninterest-bearing Interest-bearing Savings Time 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 Deposit Funding • Deposi
Slide 7: Liquidity Position
Cash and Securities to Total Assets Loans to Deposits Average Interest Earning Asset Mix (2Q 2026) 18.5% 17.4% 17.4% 18.6% 17.4% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 86% 89% 89% 86% 88% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 80% 1% 16% 3% Loans Held for Investment Loans Held for Sale Securities
Slide 8: Capital and Quarter Highlights
14.19% 14.31% 14.52% 14.27% 14.34% 8.77% 8.98% 9.26% 9.08% 9.10% Shareholders' equity to assets Tangible common equity ratio (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 11.08% 11.04% 11.24% 11.22% 11.06% 14.97% 14.88% 14.78% 14.77% 15.94% Common equity tier 1 capital ratio Total risk-based ca
Slide 9: Loan Composition and Loans HFI Bridge
QoQ Loans HFI Bridge ($mm)Quarter Highlights • Loans increased $220.9 million linked quarter. Included in this increase is a $58.3 million loan portfolio that Renasant Bank’s subsidiary, Republic Business Credit, acquired during the quarter • Average loan balance: $326,094 Loan Composition 24% 10% 3
Slide 10: Loan Activity
$657 $587 $876 $813 $895 $567 $657 $706 $695 $742 Payoffs Paydowns 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $18,975 $957 $901 $(895) $(742) $19,196 1Q 2026 Production* Advances Payoffs Paydowns 2Q 2026 Loan Activity 10 QoQ Loan Bridge ($mm) Production & Advance Trends ($mm) Payoff & Paydown Trends ($
Slide 11: Asset Quality
11 $290,770 $297,591 $293,955 $295,862 $296,008 1.57% 1.56% 1.54% 1.56% 1.54% 0.26% 0.09% 0.19% 0.05% 0.06% ACL ACL/Loans Net Charge-offs / Average Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Asset Quality Criticized Loans ($000s)Allowance for Credit Losses & Net Charge-offs ($000s) Quarter Highli
Slide 12: Asset Quality (cont.)
12 NPLs by Loan Category Asset Quality (cont.) Nonperforming Loans & Nonperforming Assets Nonperforming Loans ($000s) 0.58% 0.68% 0.71% 0.79% 0.75% 0.76% 0.90% 0.92% 1.06% 0.97% NPAs / Total Assets NPLs / Total Loans 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 $66,429 $5,935 $45,749 $21,962 $46,224 $184
Slide 13: Profitability
13 Profitability Diluted EPS / Adjusted Diluted EPS (non-GAAP)(1) Net Income / Adjusted Net Income (non-GAAP)(1) PPNR (non-GAAP)(1) / Adjusted PPNR (Non-GAAP)(1)Net Interest Income (FTE) / Adjusted Net Interest Income (FTE) (Non-GAAP)(1) $0.01 $0.63 $0.83 $0.94 $0.94 $0.69 $0.77 $0.91 $0.93 $0.94 Di
Slide 14: Profitability Ratios
Profitability Ratios ROAA / Adjusted ROAA (non-GAAP)(1) ROAE / Adjusted ROTCE (non-GAAP)(1) PPNR (non-GAAP)(1) / Adjusted PPNR Ratios (non-GAAP)(1) 0.02% 0.90% 1.17% 1.33% 1.30% 1.01% 1.09% 1.29% 1.33% 1.30% ROAA (GAAP) ROAA (Adjusted) (non-GAAP) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 (1) 0.11% 6.2
Slide 15: Net Interest Margin (FTE) and Loan Yield
15 Net Interest Margin (FTE) and Loan Yield Net Interest Margin (FTE) / Adjusted Net Interest Margin (FTE) (non-GAAP)(1) Loan Yield / Adjusted Loan Yield (non-GAAP)(1) AccretionAdjusted Net Interest Margin (FTE) (non-GAAP)(1) Bridge 3.85% 3.85% 3.89% 3.87% 3.83% 3.58% 3.62% 3.62% 3.61% 3.61% Net Int
Slide 16: Noninterest Income
Noninterest Income Composition ($000s) Quarter Highlights $51,190 $50,272 $51,125 $46,026 $48,334 Service charges Fees and commissions Wealth management Mortgage banking BOLI Other 2Q 2026 1Q 2026 4Q 2025 3Q 2025 2Q 2025 • Noninterest income increased $0.9 million linked quarter • New loan fees asso
Slide 17: Noninterest Expense and Efficiency Ratio
17 Quarter Highlights Noninterest Expense Efficiency Ratio Composition ($000) $161,501 $155,328 $170,750 $183,830 $183,204 Salaries and employee benefits Data processing Net occupancy and equipment Advertising and public relations Merger and conversion expenses Intangible amortization Other 2Q 2026
Slide 18: Appendix
Appendix
Slide 19: Loan Repricing and Rate Structure
(Dollars in millions) Repricing Term(1) Rate Structure Total Loans 3 mos or less 3-12 mos 1-3 years 3-5 years 5-15 years Over 15 years Total Variable Fixed Commercial and Industrial $ 2,024 $ 193 $ 286 $ 389 $ 169 $ 2 $ 3,063 $ 2,045 $ 1,018 Commercial Real Estate - Owner-Occupied 1,299 225 564 767
Slide 20: Securities Portfolio
Note: As of June 30, 2026 • Amortized cost of $3.9 billion; GAAP value of $3.8 billion, which represents 14.2% of total assets • Duration of 3.5 years • 26% of portfolio HTM based on par value ◦ 10.3% of HTM are CRA investments ◦ 26.4% of HTM are Municipals • Unrealized losses in AOCI on securities
Slide 21: Commercial Real Estate - Non-owner Occupied
Quarter Highlights (Dollars in millions) Retail Multi-Family Warehouse/ Industrial Amount $1,370.8 $1,161.1 $952.5 Avg Loan Size(1) $1.5 $2.3 $2.5 Percent of Loans 7.1% 6.0% 5.0% Past Due or Nonaccrual 0.09% 0.10% 0.81% ACL Reserve(2) 0.84% 0.76% 0.85% WA LTV 54.5% 54.3% 52.3% Loans<75% LTV 88.0% 94
Slide 22: Construction and Land Development
22 Amount ($mm) $2,009.7 Avg Loan Size ($mm)(1) $1.2 Percent of Loans 10.5% Past Due or Nonaccrual 0.41% ACL Reserve(2) 2.00% WA LTV 63.4% Loans <75% LTV 80.6% Percent in Footprint 98.8% Q2 Loan Growth 5.8% Construction and Land Development Composition Quarter Highlights 21% 25% 10% 16% 4% 7% 7% 6%
Slide 23: Quarterly ACL Changes
Quarterly ACL Changes 23 $295,862 $5,573 $3,923 $(707) $(415) $(2,363) $(5,865) $296,008 1Q 2026 Balance Changes Q-Factor Changes Loss Rates Loan Credit Migration Net C/Os Other Individually Evaluated 2Q 2026 Note: Dollars in thousands (1) Includes Day One reserve for loans acquired through Republic
Slide 24: Mortgage Banking
2Q 2025 1Q 2026 2Q 2026 Gain on sales of loans, net $ 5,316 $ 5,305 $ 4,760 Fees, net 3,740 2,842 3,470 Mortgage servicing income, net 2,207 1,288 948 Mortgage banking income, net $ 11,263 $ 9,435 $ 9,178 2Q 2025 1Q 2026 2Q 2026 Wholesale 33 42 32 Retail 67 58 68 Purchase 84 67 79 Refinance 16 33 21
Slide 25: Reconciliation of Non-GAAP Disclosures
Reconciliation of Non-GAAP Disclosures
Slide 26: Pre-Provision Net Revenue and Adjusted PPNR
Reconciliation of Non-GAAP disclosures Pre-Provision Net Revenue and Adjusted Pre-Provision Net Revenue ($ in 000s) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Net income (GAAP) $ 1,018 $ 59,788 $ 78,948 $ 88,228 $ 87,091 Income taxes 1,649 15,478 17,885 22,195 21,553 Provision for credit losses (includ
Slide 27: PPNR/Average Assets and Adjusted Net Income
Reconciliation of Non-GAAP disclosures Pre-Provision Net Revenue/Average Assets and Adjusted Pre-Provision Net Revenue/Average Assets (1) Tax effect is calculated based on the respective legal entity’s appropriate federal and state tax rates (as appliable) for the period, and includes the estimated
Slide 28: Adjusted Diluted Earnings Per Share
Reconciliation of Non-GAAP disclosures Adjusted Diluted Earnings Per Share ($ in 000s), except per share data 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Net income (GAAP) $ 1,018 $ 59,788 $ 78,948 $ 88,228 $ 87,091 Merger and conversion expense 20,479 17,494 10,567 — — Day 1 acquisition provision for l
Slide 29: Return on Average Tangible Common Equity (Adjusted)
Reconciliation of Non-GAAP disclosures Return on Average Tangible Common Equity (Adjusted) ($ in 000s) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Net income (GAAP) $ 1,018 $ 59,788 $ 78,948 $ 88,228 $ 87,091 Merger and conversion expense 20,479 17,494 10,567 — — Day 1 acquisition provision for loan los
Slide 30: Adjusted Net Interest Income and Adjusted Net Interest Margin
Adjusted Net Interest Income (FTE) and Adjusted Net Interest Margin Reconciliation of Non-GAAP disclosures ($ in 000s) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Net interest income (FTE) (GAAP) $ 222,717 $ 228,131 $ 232,361 $ 228,424 $ 227,657 Less: Net interest income collected on problem loans 2,779
Slide 31: Adjusted Loan Yield
Adjusted Loan Yield Reconciliation of Non-GAAP disclosures ($ in 000s) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Loan interest income (FTE) (GAAP) $ 304,834 $ 311,903 $ 309,667 $ 299,125 $ 300,112 Less: Net interest income collected on problem loans 2,779 664 2,767 210 1,166 Accretable yield recognize
Slide 32: Adjusted Efficiency Ratio
Reconciliation of Non-GAAP disclosures Adjusted Efficiency Ratio ($ in 000s) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Net interest income (FTE) (GAAP) $ 222,717 $ 228,131 $ 232,361 $ 228,424 $ 227,657 Total noninterest income (GAAP) 48,334 46,026 51,125 50,272 51,190 Gain on sale of MSR 1,467 — — 209
Slide 33: Tangible Common Equity and Tangible Book Value
Reconciliation of Non-GAAP disclosures Tangible Common Equity and Tangible Book Value ($ in 000s) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Shareholders' equity (GAAP) $ 3,778,854 $ 3,825,778 $ 3,884,905 $ 3,866,918 $ 3,871,378 Intangibles (1,583,533) (1,566,788) (1,552,452) (1,545,059) (1,555,560) Ta
Slide 34: Renasant Corporation
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