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Visual21 Nov 2025
Data center suppliers
Renasant (RNST) investor relations material
Renasant Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $59.8 million ($0.63 per diluted share); adjusted diluted EPS was $0.77, reflecting merger and conversion expenses and solid profitability despite deposit outflows and higher nonperforming loans.
Achieved strong loan growth of $462.1 million (9.9% annualized), with broad-based contributions across geographies and lending units following the integration with The First.
Integration and systems conversion with The First completed in early August, positioning the company to meet established profitability and efficiency goals.
Total assets grew to $26.7 billion at September 30, 2025, up from $18.0 billion at year-end 2024, driven by the merger.
A new $150 million stock repurchase program was approved, replacing the previous $100 million plan, and $60 million in subordinated notes were redeemed.
Financial highlights
Net interest margin was 3.85% (flat sequentially); adjusted net interest margin rose four basis points to 3.62%.
Loans increased by $462.1 million; deposits decreased by $158.1 million, mainly due to public fund seasonality.
Noninterest income for Q3 2025 was $46.0 million, with mortgage banking income at $9.0 million; noninterest expense was $183.8 million, up due to merger-related costs.
Adjusted total cost of deposits increased to 2.08%; adjusted loan yields rose to 6.23%.
Book value per share rose to $42.79 and tangible book value per share to $27.07 at September 30, 2025.
Outlook and guidance
Management expects continued progress on merger integration, with further profitability improvements as modeled synergies and efficiency savings are realized.
Core non-interest expense projected to decrease by $2–3 million in Q4 and again in Q1 2026, with 2026 expenses expected to align with or slightly outperform consensus estimates.
Modest contraction in net interest margin anticipated in Q4, with modest expansion expected in 2026, assuming four rate cuts by year-end 2026.
Loan and deposit growth targeted at mid-single digits, with Q4 prepayment activity monitored due to interest rate movements.
Focus remains on growing core deposits, managing funding costs, and maintaining strong credit quality.
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Frequently asked questions
Renasant Corporation is a financial holding company offering a comprehensive range of banking, asset management, mortgage, and insurance services through its subsidiary, Renasant Bank. The company caters to individuals, small businesses, and corporate clients in the Southeastern United States. Its services include deposit accounts, lending solutions, wealth management, and treasury services. The company is headquartered in Tupelo, Mississippi, and its shares are listed on the NASDAQ.
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