Renasant Bank
Tupelo, Mississippi, Lee County
$27.0B in total assets, the 83rd largest of 4,309 US banks and 2nd of 57 headquartered in Mississippi.
- FDIC certificate
- 12437
- Established
- 1904
- Owned by
- Renasant Corp
- Primary regulator
- FED
- Website
- www.renasant.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $27.0B | 62% | $22.4B | |
| Loans | $19.4B | 63% | $14.4B | |
| Deposits | $22.2B | 64% | $18.0B | |
| Return on assets | 1.27% | 48% | 1.30% | |
| Net interest margin | 3.97% | 75% | 3.61% | |
| Efficiency ratio | 52.7% | 41% | 55.2% | |
| Equity to assets | 15.43% | 94% | 11.57% | |
| Loans to deposits | 88% | 54% | 87% |
Growth
Total assets grew 11.0% a year over the last 5 years and 12.2% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2025 | The First Bank Hattiesburg, MS | $7.9B |
| Sep 2018 | The Brand Banking Company Lawrenceville, GA | $2.2B |
| Jul 2017 | Metropolitan Bank Crystal Springs, MS | $1.2B |
| Apr 2016 | KeyWorth Bank Johns Creek, GA | $399M |
| Jul 2015 | Heritage Bank of the South Albany, GA | $1.9B |
| Sep 2013 | Merchants and Farmers Bank Kosciusko, MS | $1.5B |
| Feb 2011 | American Trust Bank Roswell, GA | $238M |
| Jul 2010 | Crescent Bank and Trust Company Jasper, GA | $970M |
| Jul 2007 | Capital Bank & Trust Company Nashville, TN | $618M |
| Mar 2005 | Renasant Bank of Tennessee Germantown, TN, an affiliate under the same holding company | $270M |
| Jan 2005 | Heritage Bank Decatur, AL | $541M |
| Mar 1999 | Inter-City Federal Savings Bank Louisville, MS | $44M |
| Dec 1994 | New South Bank Batesville, MS | $23M |
| Apr 1994 | Security Federal Savings and Loan Association Jackson, MS | $163M |
| Jan 1988 | Bank of Water Valley Water Valley, MS | $51M |
| Jul 1985 | Merchants & Farmers Bank of Winona Winona, MS | $22M |
| Sep 1984 | Alcorn Bank and Trust Company Corinth, MS | $16M |
| Jul 1984 | Panola County Bank Sardis, MS | $17M |
| Jun 1980 | Bank of Amory Amory, MS | n/a |
| Dec 1975 | Bank of Pontotoc Pontotoc, MS | n/a |
| Sep 1974 | Clay County Bank and Trust Company West Point, MS | n/a |
Where they operate
259 branches in 121 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lee County, MS | $1.9B | 40.4% | 1 of 14 |
| Gwinnett County, GA | $1.2B | 4.6% | 5 of 39 |
| Madison County, MS | $894M | 13.5% | 4 of 23 |
| Oktibbeha County, MS | $695M | 44.5% | 1 of 13 |
| Morgan County, AL | $679M | 23.5% | 1 of 15 |
| Desoto County, MS | $640M | 14.1% | 2 of 20 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 117 branches since 2016 (142 to 259, +82.4%). 27 opened, 129 acquired, 39 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 142 | |||
| 2016 | Acquired KeyWorth BankOpened Columbus and Marietta | 6 | 0 | +6 | 148 |
| 2017 | Acquired Metropolitan BankOpened 3 in 2 states, closed 7 in 3 states | 10 | 7 | +3 | 151 |
| 2018 | Acquired The Brand Banking CompanyOpened Bartlett and Memphis, closed 3 in 2 states | 11 | 3 | +8 | 159 |
| 2019 | Opened 11 in 4 states | 11 | 0 | +11 | 170 |
| 2020 | Opened MobileClosed Madison and Memphis | 1 | 2 | −1 | 169 |
| 2021 | Opened AlpharettaClosed 8 in 4 states | 1 | 8 | −7 | 162 |
| 2022 | Closed 5 in 3 states | 0 | 5 | −5 | 157 |
| 2023 | Opened Florence and Jacksonville | 2 | 0 | +2 | 159 |
| 2024 | Opened 3 in 2 statesClosed Mobile | 3 | 1 | +2 | 161 |
| 2025 | Acquired The First BankOpened Cordova and Jackson, closed 13 in 4 states | 111 | 13 | +98 | 259 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 25% | |
| 1-4 family residential | 25% | 21% | |
| Business (C&I) | 14% | 17% | |
| Construction and land | 10% | 6% | |
| Multifamily | 6% | 8% | |
| Farmland | 1% | 1% | |
| Consumer | 1% | 10% | |
| Other | 2% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 62% | |
| Noninterest-bearing | 25% | 20% | |
| Time deposits | 17% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.94% | 0.63% |
| Net charge-offs, annualized | 0.05% | 0.14% |
| Reserves to loans | 1.52% | 1.14% |
| Leverage ratio | 10.72% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Mississippi
Largest competitors in Lee County, MS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/renasant