Renasant : First Quarter 2025 Investor Presentation (17faf6)

Published: 2025-05-15 16:59:22 ET RNST

Published on 05/15/2025 at 16:59

Overview

Snapshot Footprint

Assets:

$18.3 billion

Loans:

13.1

Deposits:

14.8

Equity:

2.7

Loans and Deposits by State

TN 15%

MS 20%

GA 29%

AL 28%

TN 10%

Other FL 1% 7%

GA 30%

FL 3%

AL 15%

42%

*Republic Business Credit operates on a nationwide basis. Locations in California, Illinois and Texas are not shown.

Note: As of March 31, 2025

First Quarter Highlights

Net income of $41.5 million with diluted EPS of $0.65 and adjusted diluted EPS (non-GAAP)(1) of $0.66

Net interest margin increased 9 basis points linked quarter to 3.45%

Loans increased $170.6 million, or 5.4% annualized

Deposits increased $199.5 million, with noninterest bearing deposits increasing $137.4 million, linked quarter

Cost of total deposits decreased 13 basis points to 2.22%; noninterest-bearing deposits represented 24.0% of total deposits

The ratio of the allowance for credit losses on loans to total loans decreased 1 basis point to 1.56% linked quarter

Nonperforming loans represented 0.76% of total loans, a decrease of 12 basis points linked quarter

(1) Adjusted diluted EPS is a non-GAAP financial measure. See slide 26 in the appendix for a description of exclusions and a reconciliation of this non-GAAP financial measure to GAAP. 4

Balance Sheet

$17,959

$18,035

$17,346

$17,510

$18,271

$12,885

$12,501

$12,605

$12,628

$13,056

1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025

$2,322

$2,355

$2,658 $2,678 $2,727

$14,772

$14,510

$14,573

$14,237

$14,255

,200

1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025

Note: Dollars in millions 5

Disclaimer

Renasant Corporation published this content on May 15, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 15, 2025 at 20:58 UTC.