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AI brief of an SEC Form 8-K · Renasant (RNST)

Renasant Q2 net income falls to $1.0 million after First Bancshares merger charges

Mixed Impact 4 of 5 earnings Written later

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.

Key points

  • 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

The filing

CompanyRenasant (RNST)
Form8-K, current report
Filed with the SECJul 22, 2025, 4:36 PM ET
Accession number0000715072-25-000208

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:38 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 22, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.