XML 95 R73.htm IDEA: XBRL DOCUMENT
v3.25.0.1

Allowance for Credit Losses - Changes in the Allowance for Credit Loss (Details) - USD ($) | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Allowance for credit losses on loans: |  |  |
Beginning balance | $ 198,578,000 | $ 192,090,000 |
Charge-offs | (13,809,000) | (19,040,000) |
Recoveries | 5,739,000 | 6,710,000 |
Net charge-offs | (8,070,000) | (12,330,000) |
(Recoveries of) provision for credit losses on loans | 11,248,000 | 18,793,000 | $ 23,788,000
Ending balance | 201,756,000 | 198,578,000 | 192,090,000
Individually evaluated | 15,052,000 | 10,578,000 |
Collectively evaluated | 186,704,000 | 188,000,000 |
Loans: |  |  |
Individually evaluated | 66,063,000 | 45,601,000 |
Collectively evaluated | 12,818,957,000 | 12,305,629,000 |
Loans, net of unearned income | 12,885,020,000 | 12,351,230,000 |
Nonaccruing loans with no allowance for credit losses | $ 22,039,000 | 23,592,000 |
Supportable period | 2 years |  |
Commercial |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | $ 43,980,000 | 44,255,000 |
Charge-offs | (4,463,000) | (8,838,000) |
Recoveries | 1,710,000 | 3,090,000 |
Net charge-offs | (2,753,000) | (5,748,000) |
(Recoveries of) provision for credit losses on loans | (2,700,000) | 5,448,000 |
Ending balance | 38,527,000 | 43,980,000 | 44,255,000
Individually evaluated | 3,823,000 | 9,093,000 |
Collectively evaluated | 34,704,000 | 34,887,000 |
Loans: |  |  |
Individually evaluated | 9,712,000 | 18,026,000 |
Collectively evaluated | 1,876,105,000 | 1,853,795,000 |
Loans, net of unearned income | 1,885,817,000 | 1,871,821,000 |
Nonaccruing loans with no allowance for credit losses | 122,000 | 1,689,000 |
Real Estate - Construction |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 18,612,000 | 19,114,000 |
Charge-offs | (145,000) | (57,000) |
Recoveries | 0 | 48,000 |
Net charge-offs | (145,000) | (9,000) |
(Recoveries of) provision for credit losses on loans | (3,341,000) | (493,000) |
Ending balance | 15,126,000 | 18,612,000 | 19,114,000
Individually evaluated | 0 | 0 |
Collectively evaluated | 15,126,000 | 18,612,000 |
Loans: |  |  |
Individually evaluated | 241,000 | 0 |
Collectively evaluated | 1,093,412,000 | 1,333,397,000 |
Loans, net of unearned income | 1,093,653,000 | 1,333,397,000 |
Nonaccruing loans with no allowance for credit losses | 241,000 | 0 |
Real Estate - 1-4 Family Mortgage |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 47,283,000 | 44,727,000 |
Charge-offs | (966,000) | (417,000) |
Recoveries | 166,000 | 389,000 |
Net charge-offs | (800,000) | (28,000) |
(Recoveries of) provision for credit losses on loans | 1,278,000 | 2,584,000 |
Ending balance | 47,761,000 | 47,283,000 | 44,727,000
Individually evaluated | 0 | 83,000 |
Collectively evaluated | 47,761,000 | 47,200,000 |
Loans: |  |  |
Individually evaluated | 6,576,000 | 11,600,000 |
Collectively evaluated | 3,482,301,000 | 3,428,319,000 |
Loans, net of unearned income | 3,488,877,000 | 3,439,919,000 |
Nonaccruing loans with no allowance for credit losses | 6,298,000 | 10,876,000 |
Real Estate - Commercial Mortgage |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 77,020,000 | 71,798,000 |
Charge-offs | (5,737,000) | (5,568,000) |
Recoveries | 2,278,000 | 712,000 |
Net charge-offs | (3,459,000) | (4,856,000) |
(Recoveries of) provision for credit losses on loans | 16,643,000 | 10,078,000 |
Ending balance | 90,204,000 | 77,020,000 | 71,798,000
Individually evaluated | 9,622,000 | 1,132,000 |
Collectively evaluated | 80,582,000 | 75,888,000 |
Loans: |  |  |
Individually evaluated | 45,182,000 | 15,705,000 |
Collectively evaluated | 6,190,886,000 | 5,470,845,000 |
Loans, net of unearned income | 6,236,068,000 | 5,486,550,000 |
Nonaccruing loans with no allowance for credit losses | 14,764,000 | 11,027,000 |
Lease Financing Receivables |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 2,515,000 | 2,463,000 |
Charge-offs | (642,000) | (1,524,000) |
Recoveries | 34,000 | 18,000 |
Net charge-offs | (608,000) | (1,506,000) |
(Recoveries of) provision for credit losses on loans | 1,461,000 | 1,558,000 |
Ending balance | 3,368,000 | 2,515,000 | 2,463,000
Individually evaluated | 1,337,000 | 0 |
Collectively evaluated | 2,031,000 | 2,515,000 |
Loans: |  |  |
Individually evaluated | 4,082,000 | 0 |
Collectively evaluated | 86,509,000 | 116,020,000 |
Loans, net of unearned income | 90,591,000 | 116,020,000 |
Nonaccruing loans with no allowance for credit losses | 614,000 | 0 |
Installment loans to individuals |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 9,168,000 | 9,733,000 |
Charge-offs | (1,856,000) | (2,636,000) |
Recoveries | 1,551,000 | 2,453,000 |
Net charge-offs | (305,000) | (183,000) |
(Recoveries of) provision for credit losses on loans | (2,093,000) | (382,000) |
Ending balance | 6,770,000 | 9,168,000 | 9,733,000
Individually evaluated | 270,000 | 270,000 |
Collectively evaluated | 6,500,000 | 8,898,000 |
Loans: |  |  |
Individually evaluated | 270,000 | 270,000 |
Collectively evaluated | 89,744,000 | 103,253,000 |
Loans, net of unearned income | 90,014,000 | 103,523,000 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 |
Impact of PCD loans acquired during the period |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 | 25,000 |
Ending balance |  | 0 | 25,000
Impact of PCD loans acquired during the period | Commercial |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 | 25,000 |
Ending balance | 34,000 | 0 | 25,000
Impact of PCD loans acquired during the period | Real Estate - Construction |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 | 0 |
Ending balance |  | 0 | 0
Impact of PCD loans acquired during the period | Real Estate - 1-4 Family Mortgage |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 | 0 |
Ending balance |  | 0 | 0
Impact of PCD loans acquired during the period | Real Estate - Commercial Mortgage |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 | 0 |
Ending balance |  | 0 | 0
Impact of PCD loans acquired during the period | Lease Financing Receivables |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 | 0 |
Ending balance |  | 0 | 0
Impact of PCD loans acquired during the period | Installment loans to individuals |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | $ 0 | 0 |
Ending balance |  | $ 0 | $ 0

X
- Definition Financing Receivable, Credit Loss Expense Supportable Period + References No definition available. + Details
Name: | rnst_FinancingReceivableCreditLossExpenseSupportablePeriod
Namespace Prefix: | rnst_
Data Type: | xbrli:durationItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of allowance for credit loss on financing receivable evaluated on collective basis. Excludes financing receivable evaluated on individual basis. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 30 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479391/326-20-30-2 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of allowance for credit loss on financing receivable evaluated on individual basis. Excludes financing receivable evaluated on collective basis. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 30 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479391/326-20-30-2 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of financing receivable collectively evaluated for credit loss. Excludes financing receivable individually evaluated for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11C -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11C + Details
Name: | us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease (increase) in allowance for credit loss on financing receivable from writeoff (recovery). Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amortized cost excluding accrued interest, of financing receivable on nonaccrual status with no allowance for credit loss. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable individually evaluated for credit loss. Excludes financing receivable collectively evaluated for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11C -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11C + Details
Name: | us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- References No definition available. + Details
Name: | us-gaap_NotesReceivableNetAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_RealEstateOneToFourFamilyMortgageMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_CommercialResidentialMortgageMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_LeaseFinancingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_InstallmentLoansToIndividualsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |