BlastPoint's Banking Scorecard

Renasant Bank

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

Tupelo, MS

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

137 banks in the $10B-$250B peer group nationally 3 in MS

Renasant Bank shows strong momentum with 3 strengths and 48.3% YoY asset growth

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

+ ROA 0.12% above tier average
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 2.25% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$27.1B +48.3% YoY +1.3% QoQ	-$19.9B	$47.0B -1.9% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$18.9B +44.6% YoY -0.6% QoQ	-$10.4B	$29.4B -0.4% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$22.3B +47.1% YoY +2.5% QoQ	-$16.1B	$38.4B -1.6% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	1.40% +34.5% YoY +57.0% QoQ	+0.12%	1.28% +18.7% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	69%
Net Interest Margin ?	3.95% +11.7% YoY -3.7% QoQ	+0.17%	3.77% +5.8% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	51.76% -18.1% YoY -15.5% QoQ	-2.25%	54.01% -3.7% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	1.06% +40.3% YoY +14.4% QoQ	+0.04%	1.02% -3.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	84.71% -1.7% YoY -3.0% QoQ	+3.92%	80.79% +1.9% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	24.21% -6.8% YoY -1.3% QoQ	+4.17%	20.04% +0.2% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.79% +33.9% YoY +10.1% QoQ	+0.06%	0.72% +4.2% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	12.32% -3.1% YoY +2.7% QoQ	-3.20%	15.51% -0.4% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.17% -14.0% YoY -75.2% QoQ	-0.05%	0.22% +0.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	53%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 3.95%

Peer Median: 3.77%

#34 of 137 Top 24.1% in $10B-$250B

Top Weaknesses (2 metrics)

104

Nonperforming Asset Ratio

credit_quality

Value: 0.79%

Peer Median: 0.72%

#104 of 137 Bottom 24.8% in $10B-$250B

103

Delinquency Rate

credit_quality

Value: 1.06%

Peer Median: 1.02%

#103 of 136 Bottom 25.0% in $10B-$250B