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Renasant
Renasant (RNST) investor relations material
Renasant Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
2025 was a transformative year, marked by improved profitability, strong balance sheet growth, and the successful integration and systems conversion of The First Bancshares.
Q4 2025 net income was $78.9 million, up from $44.7 million in Q4 2024, with diluted EPS of $0.83 and adjusted EPS of $0.91, reflecting strong profitability.
Strategic priorities included organic loan and deposit growth, operational efficiency, and leveraging opportunities in strong regional economies.
Financial highlights
Adjusted earnings per share for 2025 were $3.06, up 11% year-over-year.
Net interest margin for Q4 2025 was 3.89%, up 4 basis points sequentially; adjusted net interest margin was 3.62%.
Loans grew $21.5 million sequentially; deposits increased $48.5 million, with noninterest-bearing deposits at 23.5% of total.
Noninterest income increased $5.1 million sequentially, including $2 million from exiting certain tax credit partnerships.
Noninterest expense (excluding merger/conversion) was $160.2 million, down $6.2 million sequentially; total noninterest expense decreased $13.1 million.
Outlook and guidance
Targeting mid-single-digit loan growth for 2026, with some quarter-to-quarter variability due to payoffs.
Margin expected to remain stable in 2026, even with anticipated Fed rate cuts.
Continued focus on core expense reduction, with $2–3 million in further reductions expected in Q1 2026.
Buybacks anticipated to continue, with capital ratios expected to remain stable year-over-year.
Management expects continued growth and success in 2026, citing strong fundamentals and momentum.
Drivers of adjusted efficiency ratio improvement
Impact of noninterest-bearing deposit decline
Rationale for non-core loan portfolio sale
How will Renasant close the peer performance gap?
Prioritize capital deployment beyond organic growth
What drives confidence in mid-single-digit loan growth?
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Next Renasant earnings date
Q1 202622 Apr, 2026
Renasant
Next Renasant earnings date
Q1 202622 Apr, 2026
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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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