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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 marked a transformative year with improved profitability and strong balance sheet growth following the largest merger in company history, including successful systems conversion and integration 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 and successful integration.
Focus remained on organic loan and deposit growth, operational efficiency, and leveraging opportunities in strong regional economies.
Strategic priorities and balance sheet growth contributed to strong quarterly results.
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 flat at 3.62%.
Q4 net income was $78.9M ($0.83 per diluted share); adjusted earnings excluding merger charges were $86.9M ($0.91 per share).
Noninterest income increased $5.1M sequentially, including $2.0M from exiting certain tax credit partnerships.
Noninterest expense decreased $13.1M sequentially, driven by lower merger/conversion costs and a $2.1M net gain from branch consolidation.
Loans grew $21.5M (0.4% annualized) and deposits increased $48.5M (0.9% annualized) from Q3.
Outlook and guidance
Targeting mid-single-digit loan growth for 2026, with some quarter-to-quarter lumpiness expected due to unpredictable payoffs.
Margin outlook for 2026 is stable, even with anticipated Fed rate cuts; net interest income expected to grow modestly with balance sheet expansion.
Core non-interest expense expected to decline by $2–$3M in Q1 2026, mainly from salary reductions.
Management expects continued growth and success in 2026, citing strong fundamentals and momentum.
Continued focus on improving profitability and efficiency, with ongoing investments in talent and technology for future growth.
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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