Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2023

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%

The following table provides the capital and risk-based capital and leverage ratios for the Company and for the Bank as of the dates presented:


	September 30, 2023				December 31, 2022
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	1,558,521	9.48	%	$	1,481,197	9.36	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,449,367		10.46	%	1,372,747		10.21	%
Tier 1 Capital to Risk-Weighted Assets	1,558,521		11.25	%	1,481,197		11.01	%
Total Capital to Risk-Weighted Assets	2,065,992		14.91	%	1,968,001		14.63	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	1,698,680	10.33	%	$	1,630,389	10.30	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,698,680		12.23	%	1,630,389		12.10	%
Tier 1 Capital to Risk-Weighted Assets	1,698,680		12.23	%	1,630,389		12.10	%
Total Capital to Risk-Weighted Assets	1,869,600		13.46	%	1,781,312		13.22	%