Regulatory Matters (Tables)

9 Months Ended

Sep. 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:


	September 30, 2024				December 31, 2023
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	1,904,006	11.32	%	$	1,578,918	9.62	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,793,916		12.88	%	1,469,531		10.52	%
Tier 1 Capital to Risk-Weighted Assets	1,904,006		13.67	%	1,578,918		11.30	%
Total Capital to Risk-Weighted Assets	2,412,254		17.32	%	2,085,531		14.93	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	1,814,955	10.80	%	$	1,714,965	10.45	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,814,955		13.03	%	1,714,965		12.25	%
Tier 1 Capital to Risk-Weighted Assets	1,814,955		13.03	%	1,714,965		12.25	%
Total Capital to Risk-Weighted Assets	1,989,433		14.28	%	1,888,104		13.49	%