BlastPoint

BlastPoint's Banking Scorecard

Renasant Bank

$10B-$250B Specialty: Commercial MS FDIC cert 12437

Tupelo, MS

266 branches across MS · GA · AL · FL · TN · LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in MS.
  • Deposits +1.0% year over year ($22.2B on the books).
  • Delinquency rate 0.97%.
  • Return on assets 1.40%.
  • Efficiency ratio 52.70% vs a 53.67% peer average.
  • Loan-to-deposit ratio 86.36% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in MS
View $10B-$250B leaderboard (MS) →

Renasant Bank has 1 strength but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.97% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 15.2% in tier
Get updates when Renasant Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $27.0B
+1.4% YoY -0.4% QoQ
-$16.6B $43.6B
-13.8% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $19.1B
+2.7% YoY +1.2% QoQ
-$8.8B $28.0B
-8.6% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $22.2B
+1.0% YoY -0.7% QoQ
-$13.3B $35.4B
-14.0% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? 1.40%
+166.9% YoY +0.1% QoQ
+0.01% 1.39%
+25.9% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 3.97%
-1.2% YoY +0.4% QoQ
+0.05% 3.92%
+8.9% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 52.70%
-16.5% YoY +1.8% QoQ
-0.97% 53.67%
-1.9% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.97%
+27.9% YoY -8.0% QoQ
-0.04% 1.01%
-2.8% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 86.36%
+1.7% YoY +1.9% QoQ
+3.75% 82.61%
+3.1% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 24.81%
-4.7% YoY +2.5% QoQ
+4.23% 20.58%
+4.9% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.75%
+29.6% YoY -4.9% QoQ
+0.02% 0.73%
+5.8% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 12.41%
+4.4% YoY +0.8% QoQ
-2.94% 15.35%
-0.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.35%
+8.0% YoY +101.5% QoQ
-0.15% 0.50%
+10.5% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
50%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 24.8%
-1.2pp YoY
+0.6pp QoQ
 +3.8pp 21.0% 23.1% 22.2% 60%
Brokered Deposits n/a n/a 9.2% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 13.8%
+1.4pp YoY
+0.7pp QoQ
 -3.4pp 17.2% 12.4% 12.5% 43%
CRE 59.3%
+0.7pp YoY
-0.4pp QoQ
 +17.3pp 42.0% 42.3% 41.4% 84%
1-4 Family 25.1%
-1.7pp YoY
-0.3pp QoQ
 +2.0pp 23.1% 33.1% 31.3% 62%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -12.4pp 12.9% 5.6% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio 12.4%
+0.5pp YoY
+0.1pp QoQ
 -2.9pp 15.3% 16.5% 19.7% 37%
Leverage Ratio 10.7%
+0.7pp YoY
+0.2pp QoQ
 +0.3pp 10.4% 11.9% 12.6% 66%
Total Capital Ratio 13.7%
+0.5pp YoY
+0.1pp QoQ
 -2.8pp 16.5% 17.7% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 2,952
-307 (-9.4%) YoY
-2 (-0.1%) QoQ
 -306 3,258 297 482 67%
Assets per Employee ($) $9.1M
+12.0% YoY
-0.3% QoQ
 -$17.9M $27.0M $6.2M $8.8M 22%
Branch Count 266
-9 (-3.3%) YoY
0 QoQ
 +128 137 22 18 87%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.3% 0.4% 2%
Nonaccrual 1.0%
+0.2pp YoY
-0.1pp QoQ
 +0.2pp 0.7% 0.9% 1.0% 82%
Allowance Coverage 1.59x
-22.5% YoY
+7.5% QoQ
 -1.22x 2.81x 4.87x 20.23x 41%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 9.2%
+5.7pp YoY
-0.1pp QoQ
 -3.5pp 12.6% 11.7% 11.6% 30%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 2.0% 1.8% 1.7% 48%
Net Income ($, YTD) $188.2M
+242.9% YoY
— QoQ
 -$108.6M $296.8M $13.8M $40.4M 59%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#10 of 59 • Bottom 15.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026