Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2024

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:


	June 30, 2024				December 31, 2023
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	1,621,168	9.81	%	$	1,578,918	9.62	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,511,312		10.75	%	1,469,531		10.52	%
Tier 1 Capital to Risk-Weighted Assets	1,621,168		11.53	%	1,578,918		11.30	%
Total Capital to Risk-Weighted Assets	2,130,901		15.15	%	2,085,531		14.93	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	1,752,876	10.61	%	$	1,714,965	10.45	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,752,876		12.44	%	1,714,965		12.25	%
Tier 1 Capital to Risk-Weighted Assets	1,752,876		12.44	%	1,714,965		12.25	%
Total Capital to Risk-Weighted Assets	1,929,307		13.69	%	1,888,104		13.49	%