Renasant reported net income of $78.9 million for the quarter ended December 31, 2025, up from $44.7 million a year earlier. Diluted EPS came in at $0.83, compared with $0.70 in Q4 2024, while adjusted diluted EPS (non-GAAP) rose to $0.91 versus $0.73 a year ago. These results topped the Zacks Consensus Estimate of $0.80 per share and reflect merger and conversion expenses of $10.6 million, which reduced GAAP EPS by $0.08 in the period.

Net interest income (fully tax-equivalent) for the quarter was $232.4 million, a sequential increase of $4.2 million. Net interest margin expanded by 4 basis points to 3.89%, while the adjusted net interest margin (non-GAAP) held steady at 3.62%. Cost of total deposits declined by 17 basis points to 1.97%, benefiting from a shift in the deposit mix and continued focus on lower-cost funding sources.

Book value per share grew 2.0% from the prior quarter, and tangible book value per share was up 3.7%. Under its $150 million repurchase authorization, Renasant repurchased $13.2 million of common stock at an average price of $34.29. Credit provisions totaled $5.5 million for loan losses and $5.4 million for unfunded commitments. The allowance for credit losses on loans represented 1.54% of total loans, with nonperforming loans at 0.92% of the portfolio and coverage of nonperforming assets at 167%.