Renasant Corporation reported earnings of $0.91 per share for the fourth quarter of 2025, comfortably surpassing the consensus estimate of $0.80 per share and marking a 24.7% increase from the $0.73 delivered in the year-ago period. The bank’s net interest margin expanded by 15 basis points quarter-over-quarter, driven by higher yielding commercial and industrial loans, while non-interest income held steady despite seasonal fee pressures. Credit metrics remained sound, with the allowance for loan losses representing 1.25% of total loans, down from 1.30% in Q3, reflecting continued portfolio performance. Management reiterated full-year guidance for mid-single-digit loan growth and a net interest margin above 3.50%, signaling confidence in sustaining profitability in a variable rate environment.