Every material Form 8-K Renasant has filed with the SEC since October 22, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Renasant agreed to merge with Commercial Holding Company, parent of Commercial Bank & Trust, with Commercial shareholders receiving 0.8798 Renasant shares for each Commercial share, about 2.64 million shares in total. Including a $35.7 million pre-closing special cash dividend, the filing puts the aggregate transaction value at about $142 million, based on a $40.29 10-day average RNST price. The deal is expected to close in the first quarter of 2027, subject to regulatory approvals and Commercial shareholder approval, and would add Commercial Bank's roughly $1.1 billion in assets to Renasant's West Tennessee presence.
Commercial shareholders to receive 0.8798 Renasant shares per share, about 2.64 million shares in aggregate
Aggregate transaction value about $142 million, including a $35.7 million special cash dividend
Commercial to pay a $7,000,000 termination fee under certain circumstances
Expected closing in the first quarter of 2027, subject to regulatory and Commercial shareholder approvals
Renasant reported third-quarter 2026 net income of $78.9 million, or $0.86 per diluted share, down from $87.1 million and $0.94 in the second quarter but up from $59.8 million and $0.63 a year earlier, when merger and conversion expenses weighed on results. Loans rose $555.9 million linked quarter, and the board approved a $175.0 million stock repurchase program effective October 27, 2026.
Net income $78.9 million vs. $87.1 million in Q2 2026 and $59.8 million in Q3 2025
Net interest margin 3.77%, down 6 basis points linked quarter
Provision for credit losses $13.3 million vs. $3.8 million in Q2 2026
Board approved a $175.0 million repurchase program; $42.6 million of stock was bought back in Q3 2026
Renasant Corporation said Catherine Mealor, a Managing Director at Keefe, Bruyette & Woods, will join as Executive Vice President and Chief Financial Officer on October 5, 2026, and become CFO on January 1, 2027. James C. Mabry IV, CFO since August 2020, will retire as CFO on December 31, 2026, and the Board intends to nominate him as a director at the 2027 Annual Meeting of Shareholders.
Mealor joins October 5, 2026 and becomes CFO of Renasant and Renasant Bank on January 1, 2027.
Mealor's employment agreement sets a $600,000 base salary, a $400,000 cash signing award and stock valued at $450,000, and a two-year initial term.
Her target annual bonus is 75% of base salary under the Performance-Based Rewards Plan, starting with periods on or after January 1, 2027.
Mabry will serve as Executive Advisor from January 1, 2027 and is expected to serve in that role until the 2027 Annual Meeting.
Renasant Corporation reported second-quarter 2026 net income of $87.1 million, or $0.94 diluted EPS, compared with $88.2 million and $0.94 in the first quarter and $1.0 million and $0.01 in the second quarter of 2025. Adjusted diluted EPS (non-GAAP) was $0.94, up from $0.69 a year earlier, and the company raised its quarterly dividend to $0.24 per share.
Net income was $87.1 million, down from $88.2 million in the first quarter of 2026; diluted EPS was flat at $0.94.
Net interest margin was 3.83%, down 4 basis points linked quarter; net interest income was $227.7 million on a fully tax equivalent basis.
Company repurchased $60.0 million of common stock in the second quarter, with $101.8 million of authorization remaining as of June 30, 2026.
Total deposits decreased $398.4 million linked quarter, including $367.7 million of seasonal outflows in public fund deposits.
Renasant Corporation sold $300 million of 6.25% fixed-to-floating rate subordinated notes due 2036, priced at 100% of principal, with the offering closing on May 7, 2026. The company expects net proceeds of approximately $295.7 million, which it intends to use for general corporate purposes, including a potential redemption of $40 million of its 5.50% notes due September 1, 2031. The notes are intended to qualify as Tier 2 capital, and shareholders should note that they add $300 million of subordinated debt to the company's obligations.
Notes: $300 million aggregate principal, priced at 100% of principal, maturing June 1, 2036
Fixed 6.25% interest through June 1, 2031; then Three-Month Term SOFR plus 245 basis points
Net proceeds approximately $295.7 million; closed May 7, 2026
Possible use: redeem $40 million of 5.50% notes due September 1, 2031
Renasant reported first-quarter 2026 net income of $88.2 million, or $0.94 per diluted share, up from $78.9 million and $0.83 in the fourth quarter of 2025 and from $41.5 million and $0.65 in the first quarter of 2025. The board raised the quarterly cash dividend by $0.01 to $0.24 per share and increased the stock repurchase authorization by $100.0 million, leaving about $136.8 million available as of April 28, 2026.
Net income $88.2 million; diluted EPS $0.94 vs. $0.83 in Q4 2025 and $0.65 in Q1 2025
Adjusted diluted EPS (non-GAAP) $0.93 vs. $0.91 in Q4 2025 and $0.66 in Q1 2025
Net interest income (fully tax equivalent) $228.4 million, down $3.9 million linked quarter; net interest margin 3.87%, down 2 basis points
Quarterly dividend $0.24 per share, payable June 30, 2026, to holders of record as of June 16, 2026
Effective March 11, 2026, Renasant Bank and M. Ray (Hoppy) Cole, Jr. amended his employment agreement dated April 1, 2025, changing how he participates in the Performance Based Rewards Plan (PBRP) annual cash bonus plan. Under the amendment, he is eligible for calendar-year bonuses starting with 2025, and the 2025 payment is prorated to 75% of the total. The filing does not report any financial impact, and all other material terms of the agreement remain unchanged.
Amendment effective March 11, 2026, to the employment agreement dated April 1, 2025
2025 PBRP payment prorated to 75% of the total, reflecting nine months of service in 2025
If employed through April 1, 2027 and separating on that date, payment equals target award prorated to 25%
All other material terms of the employment agreement remain unchanged
Renasant Corporation reported fourth-quarter 2025 net income of $78.9 million, or $0.83 per diluted share, up from $59.8 million in the third quarter and $44.7 million a year earlier. For the full year, net income fell to $181.3 million from $195.5 million, which the filing ties partly to a $50.0 million after-tax Day 1 acquisition provision.
Q4 2025 net income $78.9 million vs. $59.8 million in Q3 2025 and $44.7 million in Q4 2024
Q4 2025 diluted EPS $0.83; adjusted diluted EPS (non-GAAP) $0.91 vs. $0.73 in Q4 2024
Full-year 2025 diluted EPS $2.07 vs. $3.27 in 2024, including a $50.0 million after-tax Day 1 acquisition provision
Q4 2025 merger and conversion related expenses of $10.6 million; $150.0 million buyback program runs until October 2026
Director Richard Heyer told Renasant on November 10, 2025, that he will not stand for election when his term expires at the 2026 Annual Meeting of Shareholders. He will also retire from the board of subsidiary Renasant Bank at that time. The filing says the decision did not arise from any disagreement with the company on its operations, policies or practices.
Dr. Richard Heyer notified the company on November 10, 2025
His board term ends at the 2026 Annual Meeting, scheduled for April 28, 2026
He will also retire from the board of Renasant Bank, a wholly-owned subsidiary
The filing states no disagreement with the company on operations, policies or practices
Renasant reported third-quarter 2025 net income of $59.8 million, or $0.63 per diluted share, up from $1.0 million, or $0.01, in the second quarter, which included a $50.0 million after-tax Day 1 acquisition provision. Adjusted diluted EPS, a non-GAAP measure, was $0.77, compared with $0.69 in the prior quarter and $0.70 a year earlier. The company also approved a new $150.0 million stock repurchase program effective October 28, 2025, replacing an expired $100.0 million program.
Net income $59.8 million and diluted EPS $0.63 for Q3 2025, versus $1.0 million and $0.01 in Q2 2025; Q3 included $17.5 million of merger and conversion related expenses
Net interest income (fully tax equivalent) $228.1 million, up $5.4 million linked quarter; noninterest income $46.0 million, down from $48.3 million
Loans increased $462.1 million linked quarter; deposits decreased $158.1 million, mainly due to public fund seasonality
Nonperforming loans rose to 0.90% of total loans from 0.76% at June 30, 2025; provision for credit losses was $10.5 million versus $81.3 million in Q2
Renasant reported second-quarter 2025 results after completing its merger with The First Bancshares, Inc. on April 1, 2025. Net income fell to $1.0 million, or $0.01 per diluted share, from $41.5 million in the first quarter and $38.8 million a year earlier, mainly due to a $66.6 million Day 1 acquisition provision for credit losses and $20.5 million in merger and conversion expenses. Adjusted diluted EPS, a non-GAAP measure, was $0.69, compared with $0.66 in the first quarter and $0.69 a year earlier.
Net income was $1.0 million, or $0.01 diluted EPS, versus $41.5 million and $0.65 in Q1 2025
Adjusted diluted EPS (non-GAAP) was $0.69, versus $0.66 in Q1 2025 and $0.69 in Q2 2024
Day 1 acquisition provision for credit losses was $66.6 million; merger and conversion expenses were $20.5 million
Total assets reached $26.6 billion at June 30, 2025, up from $18.3 billion at March 31, 2025; no buybacks occurred in Q2 under the $100.0 million program
Effective May 1, 2025, Kevin D. Chapman became Chief Executive Officer of Renasant Corporation and Renasant Bank, in addition to his role as President, as part of a previously announced succession plan. C. Mitchell Waycaster stepped down as CEO and remains Executive Vice Chairman, and E. Robinson McGraw resigned as an officer but remains Chairman of the Board, so the change is a leadership transition rather than a change in board control.
Kevin D. Chapman assumed the CEO role on May 1, 2025 and remains President of the Company and the Bank.
C. Mitchell Waycaster stepped down as CEO and will continue as Executive Vice Chairman, including work on strategic planning, investor relations, and mergers and acquisitions.
E. Robinson McGraw resigned as an officer and employee of the Company and the Bank and will continue as a director and Chairman of the Board.
Chapman has been President since May 2023 and Chief Operating Officer since May 2018.
Renasant reported first-quarter 2025 net income of $41.5 million, or $0.65 per diluted share, down from $44.7 million in the fourth quarter of 2024 and $39.4 million in the first quarter of 2024. Adjusted diluted EPS, a non-GAAP measure, was $0.66, compared with $0.65 a year earlier. The company completed its merger with The First Bancshares, Inc. on April 1, 2025, which the filing says adds about $8.0 billion in assets before purchase accounting adjustments.
Net interest margin rose to 3.45%, up 9 basis points from the fourth quarter of 2024, and net interest income was $137.4 million on a fully tax-equivalent basis.
Provision for credit losses was $4.8 million, up $2.6 million from the prior quarter.
No shares were repurchased in the first quarter under the $100.0 million buyback program, which runs through October 2025.
The quarterly cash dividend was $0.22 per share, unchanged from prior periods shown.
Renasant Corporation completed its merger with The First Bancshares, Inc. on April 1, 2025, with each First share converted into 1.00 Renasant share. Renasant also assumed $133,786,000 of subordinated debentures and notes, and its board grew to 17 directors, while Executive Chairman E. Robinson McGraw agreed to resign as an officer effective May 1, 2025, when Kevin D. Chapman becomes Chief Executive Officer.
Merger completed April 1, 2025; each First share converted into 1.00 Renasant share, with cash paid in lieu of fractional shares
Renasant assumed subordinated debentures and notes totaling $133,786,000 in aggregate principal amount
Board increased to 17 directors with four new seats filled by M. Ray (Hoppy) Cole, Jr., Jonathan A. Levy, Renee Moore and Ted E. Parker
E. Robinson McGraw will resign as an officer effective May 1, 2025; Kevin D. Chapman becomes CEO on that date, and McGraw has a $672,185.55 severance payment
Renasant amended the employment agreements of CEO C. Mitchell Waycaster and President and COO Kevin D. Chapman on December 17, 2024. Under the amendment, consistent with a previously announced succession plan, Waycaster will step down as CEO on May 1, 2025 while remaining Executive Vice Chairman, and his agreement now runs to April 30, 2027. Shareholders are affected by a leadership transition and by changes to executive pay and change-in-control terms.
Waycaster steps down as CEO on the May 1, 2025 Transition Date and remains Executive Vice Chairman; his time commitment is capped at 60% of his prior time.
On the Transition Date, Waycaster's base salary drops to 60% of its prior level, and his 2026 PBRP participation ends.
Waycaster received a $100,000 retention bonus, plus equity awards of $700,000 for 2025 and $170,000 for 2026.
Chapman's change-in-control severance multiple rises from 2.5 to 2.99 if he is terminated within two years after a change in control.
Renasant reported third-quarter 2024 net income of $72.5 million, or $1.18 diluted EPS, up from $38.8 million and $0.69 in the second quarter, helped by a $38.95 million after-tax gain on the sale of its insurance agency. Adjusted diluted EPS was $0.70, down from $0.74 a year earlier, and the filing also reports that shareholders of Renasant and The First Bancshares approved their merger, with completion expected in the first half of 2025.
Net income $72.5 million in Q3 2024 vs. $38.8 million in Q2 2024 and $41.8 million in Q3 2023
Diluted EPS $1.18 (GAAP) and $0.70 (adjusted, non-GAAP) vs. $0.74 adjusted a year earlier
Shareholders approved the merger with The First Bancshares, Inc.; Renasant expects completion in the first half of 2025
Board approved a new $100.0 million stock repurchase program on October 22, 2024; no buybacks occurred in Q3 2024
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