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Dec 31, 2025
Renasant Q4 2025 Earnings Report
Renasant reported strong Q4 2025 earnings with notable increases in net income and adjusted EPS, driven by higher net interest income and cost efficiencies.
Key Takeaways
Renasant delivered improved profitability in Q4 2025, with net income rising to $78.9 million and adjusted EPS reaching $0.91. The bank posted a higher net interest margin of 3.89% and reduced its cost of deposits to 1.97%, despite merger-related expenses. Loan and deposit growth remained steady, supporting solid financial performance.
Net income rose to $78.9 million, reflecting improved profitability despite merger expenses
Adjusted EPS reached $0.91, up from $0.73 in Q4 2024
Net interest margin expanded to 3.89%, with cost of deposits declining to 1.97%
Book value per share increased to $41.05, and tangible book value per share rose to $24.65
Revenue by Segment
Forward Guidance
Renasant expects continued growth and profitability in 2026, supported by strategic integration, stable credit quality, and strong capital positions.
Positive Outlook
- Continued integration of The First expected to improve operational efficiency
- Strong capital ratios and liquidity position support future growth
- Improved net interest margin with stable funding costs
- Lower noninterest expense due to reduction in merger-related costs
- Positive momentum in loan and deposit growth
Challenges Ahead
- Ongoing credit loss provisions may weigh on earnings
- Noninterest bearing deposits decreased in Q4
- Criticized loans still represent a notable portion of total loans
- Loan charge-offs increased, partly due to divestitures
Historical Earnings Impact
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Avg. Return Before/After Earnings
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