Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2020

The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that bank holding companies and banks must maintain. Those guidelines specify capital tiers, which include the following classifications:

Capital Tiers

Tier 1 Capital to
Average Assets
(Leverage)

Common Equity Tier 1 to
Risk - Weighted Assets

Tier 1 Capital to
Risk – Weighted
Assets

Total Capital to
Risk – Weighted
Assets

Well capitalized

5% or above

6.5% or above

8% or above

10% or above

Adequately capitalized

4% or above

4.5% or above

6% or above

8% or above

Undercapitalized

Less than 4%

Less than 4.5%

Less than 6%

Less than 8%

Significantly undercapitalized

Less than 3%

Less than 4%

Less than 6%

Critically undercapitalized

Tangible Equity / Total Assets less than 2%

Capital and risk-based capital and leverage ratios for the Company and for Renasant Bank

The following table provides the capital and risk-based capital and leverage ratios for the Company and for Renasant Bank as of December 31:


	2020				2019
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	1,306,597	9.37	%	$	1,262,588	10.37	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,199,394		10.93	%	1,156,828		11.12	%
Tier 1 Capital to Risk-Weighted Assets	1,306,597		11.91	%	1,262,588		12.14	%
Total Capital to Risk-Weighted Assets	1,653,694		15.07	%	1,432,949		13.78	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	1,369,994	9.83	%	$	1,331,809	10.95	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,369,994		12.49	%	1,331,809		12.81	%
Tier 1 Capital to Risk-Weighted Assets	1,369,994		12.49	%	1,331,809		12.81	%
Total Capital to Risk-Weighted Assets	1,504,985		13.73	%	1,388,553		13.36	%