0000715072-26-000017 | 10-K | XBRL Viewer

Schedule of Short-term Borrowings

Short-term borrowings as of December 31 are summarized as follows:


	2025		2024
Securities sold under agreements to repurchase	$	5,774	$	8,018

Federal Home Loan Bank short-term advances	550,000		100,000
Total short-term borrowings	$	555,774	$	108,018

Repurchase Agreements

Schedule of Average Balances and Cost of Funds of Short-term Borrowings

The average balances and cost of funds of short-term borrowings for the years ending December 31 are summarized as follows:


	Average Balances						Cost of Funds
	2025		2024		2023		2025		2024		2023
Federal Home Loan Bank short-term advances	$	415,860	$	110,601	$	453,630	3.51	%	1.34	%	4.11	%

Federal funds purchased	5		5		25		4.63		2.05		6.34
Securities sold under agreements to repurchase	7,138		8,658		8,037		1.00		0.96		0.98
Total short-term borrowings	$	423,003	$	119,264	$	461,692	3.46	%	1.32	%	4.05	%

Long-Term Debt - Schedule of Aggregate Stated Maturities of Long-Term Debt Outstanding (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Debt Instrument [Line Items]
2026	$ 0
2027	0
2028	0
2029	0
2030	0
Thereafter	499,756
Total	499,756	$ 430,614
Federal Home Loan Bank short-term advances
Debt Instrument [Line Items]
2026	0
2027	0
2028	0
2029	0
2030	0
Thereafter	0
Total	0	0
Junior subordinated debentures
Debt Instrument [Line Items]
2026	0
2027	0
2028	0
2029	0
2030	0
Thereafter	140,632
Total	140,632	113,916
Subordinated notes
Debt Instrument [Line Items]
2026	0
2027	0
2028	0
2029	0
2030	0
Thereafter	359,124
Total	$ 359,124	$ 316,698

Deposits - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Mortgage Banking [Abstract]
Time deposits in denominations of $250 or more	$ 1,195,120	$ 827,329
Amount on deposits	$ 29,987	$ 21,883

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating activities
Net income	$ 181,272	$ 195,457	$ 144,678
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	107,457	9,273	15,593
Depreciation, amortization and accretion	16,212	32,284	35,231
Deferred income tax (benefit)	1,687	4,649	(5,005)
Impairment losses on securities	0	0	19,352
Gain on sale of mortgage servicing rights	(1,467)	(3,472)	(547)
Gain on sale of insurance agency	0	(53,349)	0
Funding of mortgage loans held for sale	(1,612,645)	(1,400,467)	(1,330,912)
Proceeds from sales of mortgage loans held for sale	1,616,372	1,347,659	1,277,363
Gains on sales of mortgage loans held for sale	(20,329)	(16,611)	(14,573)
Losses on sales of securities	0	0	22,438
Gain on debt extinguishment	0	(56)	(620)
(Gains) losses on sales of premises and equipment	(2,498)	33	(173)
Stock-based compensation	17,723	13,883	13,716
Income from bank-owned life insurance	(14,244)	(11,567)	(10,463)
Net change in operating leases	9,816	6,337	9,554
Net increase in other assets	(27,061)	(9,784)	(51,077)
Net (decrease) increase in other liabilities	(824)	(7,854)	23,998
Net cash provided by operating activities	271,471	106,415	148,553
Investing activities
Purchases of securities available for sale	(1,201,061)	(174,229)	(11,899)
Proceeds from sales of securities available for sale	686,485	177,185	488,981
Proceeds from call/maturities of securities available for sale	311,310	88,830	149,025
Proceeds from call/maturities of securities held to maturity	102,009	102,178	109,953
Proceeds from sale of mortgage servicing rights	9,353	23,011	0
Net increase in loans	(957,067)	(543,495)	(791,803)
Purchases of premises and equipment	(33,720)	(13,645)	(21,634)
Proceeds from sales of premises and equipment	8,642	344	943
Net cash received from sale of insurance agency	6,412	55,333	0
Purchases of FHLB stock	(26,426)	(3,149)	(28,236)
Proceeds from redemption of FHLB stock	19,781	7,944	44,312
Proceeds from sales of other assets	18,660	3,350	3,115
Proceeds from surrender of bank-owned life insurance	56,255	0	0
Net cash received in acquisition of businesses	261,483	0	0
Other, net	3,859	1,313	1,844
Net cash used in investing activities	(734,025)	(275,030)	(55,399)
Financing activities
Net increase in deposits	443,674	495,827	589,819
Net increase (decrease) in short-term borrowings	149,506	(199,559)	(404,655)
Repayment of long-term debt	(60,000)	(245)	(2,680)
Cash paid for dividends	(78,604)	(53,727)	(50,279)
Repurchase of shares in connection with stock repurchase program	(13,336)	0	0
Proceeds from equity offering	0	217,000	0
Net cash provided by financing activities	441,240	459,296	132,205
Net (decrease) increase in cash and cash equivalents	(21,314)	290,681	225,359
Cash and cash equivalents at beginning of year	1,092,032	801,351	575,992
Cash and cash equivalents at end of year	1,070,718	1,092,032	801,351
Supplemental disclosures
Cash paid for interest	443,282	381,004	239,611
Cash paid for income taxes	18,363	29,065	42,047
Noncash transactions:
Transfers of loans to other real estate	14,737	5,037	10,738
Common stock issued in acquisition of businesses	1,050,821	0	0
Recognition of operating right-of-use assets and liabilities	$ 7,312	$ 4,630	$ 3,126

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Statement of Stockholders' Equity [Abstract]
Cash dividends per share (usd per share)	$ 0.89	$ 0.88	$ 0.88

Other Real Estate Owned - Schedule of Covered and Not Covered Under a Loss-Share Agreement, Net of Valuation Allowances and Direct Write-Downs (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Real Estate Properties [Line Items]
Total	$ 15,191	$ 8,673
Residential real estate
Real Estate Properties [Line Items]
Total	5,001	2,966
Commercial real estate
Real Estate Properties [Line Items]
Total	8,502	5,681
Residential land development
Real Estate Properties [Line Items]
Total	15	19
Commercial land development
Real Estate Properties [Line Items]
Total	$ 1,673	$ 7

Employee Benefit and Deferred Compensation Plans - Schedule of Amounts Recognized in AOCI (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Pension Benefits Renasant
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Prior service cost	$ 0
Actuarial loss (gain)	8,847
Total	8,847
Other Benefits
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Prior service cost	0
Actuarial loss (gain)	(327)
Total	$ (327)

Mergers and Acquisitions - Schedule of Pro Forma Combined Condensed Consolidated Financial Information (Details) - The First - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Business Combination [Line Items]
Net interest income - pro forma	$ 853,353	$ 835,583
Noninterest income - pro forma	190,414	245,836
Net income - pro forma	$ 240,043	$ 249,555
Earnings per share - pro forma:
Basic (usd per share)	$ 2.76	$ 2.75
Diluted (usd per share)	$ 2.74	$ 2.73

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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Securities - Schedule of Gross Unrealized Losses and Fair Value by Investment Category (Details) $ in Thousands	Dec. 31, 2025 USD ($) security	Dec. 31, 2024 USD ($) security
Available for Sale:
Number of positions, Less than 12 Months \| security	54	16
Fair Value, Less than 12 Months	$ 482,669	$ 95,216
Unrealized Losses, Less than 12 Months	$ (3,204)	$ (1,120)
Number of positions, 12 Months or More \| security	115	122
Fair Value, 12 Months or More	$ 568,544	$ 606,628
Unrealized Losses, 12 Months or More	$ (93,355)	$ (137,488)
Number of positions \| security	169	138
Fair Value	$ 1,051,213	$ 701,844
Unrealized Losses	$ (96,559)	$ (138,608)
Held to Maturity:
Number of positions, Less than 12 Months \| security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More \| security	228	235
Fair Value, 12 Months or More	$ 959,977	$ 1,000,874
Unrealized Losses, 12 Months or More	$ (68,264)	$ (123,603)
Number of positions \| security	228	235
Fair Value	$ 959,977	$ 1,000,874
Unrealized Losses	$ (68,264)	$ (123,603)
Obligations of states and political subdivisions
Available for Sale:
Number of positions, Less than 12 Months \| security	13	0
Fair Value, Less than 12 Months	$ 19,454	$ 0
Unrealized Losses, Less than 12 Months	$ (445)	$ 0
Number of positions, 12 Months or More \| security	7	7
Fair Value, 12 Months or More	$ 13,591	$ 12,841
Unrealized Losses, 12 Months or More	$ (1,335)	$ (2,269)
Number of positions \| security	20	7
Fair Value	$ 33,045	$ 12,841
Unrealized Losses	$ (1,780)	$ (2,269)
Held to Maturity:
Number of positions, Less than 12 Months \| security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More \| security	124	128
Fair Value, 12 Months or More	$ 248,044	$ 240,394
Unrealized Losses, 12 Months or More	$ (29,516)	$ (42,491)
Number of positions \| security	124	128
Fair Value	$ 248,044	$ 240,394
Unrealized Losses	$ (29,516)	$ (42,491)
Other debt securities
Available for Sale:
Number of positions, Less than 12 Months \| security	10	2
Fair Value, Less than 12 Months	$ 191,504	$ 22,357
Unrealized Losses, Less than 12 Months	$ (1,347)	$ (218)
Number of positions, 12 Months or More \| security	8	17
Fair Value, 12 Months or More	$ 14,571	$ 30,801
Unrealized Losses, 12 Months or More	$ (967)	$ (2,437)
Number of positions \| security	18	19
Fair Value	$ 206,075	$ 53,158
Unrealized Losses	$ (2,314)	$ (2,655)
Held to Maturity:
Number of positions, Less than 12 Months \| security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More \| security	10	10
Fair Value, 12 Months or More	$ 45,351	$ 49,603
Unrealized Losses, 12 Months or More	$ (2,062)	$ (4,080)
Number of positions \| security	10	10
Fair Value	$ 45,351	$ 49,603
Unrealized Losses	$ (2,062)	$ (4,080)
Agency mortgage backed securities \| Residential mortgage-backed securities:
Available for Sale:
Number of positions, Less than 12 Months \| security	8	7
Fair Value, Less than 12 Months	$ 135,320	$ 11,051
Unrealized Losses, Less than 12 Months	$ (903)	$ (259)
Number of positions, 12 Months or More \| security	36	34
Fair Value, 12 Months or More	$ 132,975	$ 141,321
Unrealized Losses, 12 Months or More	$ (14,772)	$ (24,209)
Number of positions \| security	44	41
Fair Value	$ 268,295	$ 152,372
Unrealized Losses	$ (15,675)	$ (24,468)
Held to Maturity:
Number of positions, Less than 12 Months \| security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More \| security	66	69
Fair Value, 12 Months or More	$ 313,963	$ 347,154
Unrealized Losses, 12 Months or More	$ (10,030)	$ (25,251)
Number of positions \| security	66	69
Fair Value	$ 313,963	$ 347,154
Unrealized Losses	$ (10,030)	$ (25,251)
Agency mortgage backed securities \| Commercial mortgage-backed securities:
Available for Sale:
Number of positions, Less than 12 Months \| security	9	2
Fair Value, Less than 12 Months	$ 71,188	$ 5,248
Unrealized Losses, Less than 12 Months	$ (395)	$ (122)
Number of positions, 12 Months or More \| security	2	2
Fair Value, 12 Months or More	$ 5,595	$ 5,375
Unrealized Losses, 12 Months or More	$ (367)	$ (629)
Number of positions \| security	11	4
Fair Value	$ 76,783	$ 10,623
Unrealized Losses	$ (762)	$ (751)
Held to Maturity:
Number of positions, Less than 12 Months \| security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More \| security	1	1
Fair Value, 12 Months or More	$ 14,879	$ 14,002
Unrealized Losses, 12 Months or More	$ (2,059)	$ (2,958)
Number of positions \| security	1	1
Fair Value	$ 14,879	$ 14,002
Unrealized Losses	$ (2,059)	$ (2,958)
Collateralized mortgage obligations \| Residential mortgage-backed securities:
Available for Sale:
Number of positions, Less than 12 Months \| security	2	3
Fair Value, Less than 12 Months	$ 24,816	$ 48,879
Unrealized Losses, Less than 12 Months	$ (58)	$ (482)
Number of positions, 12 Months or More \| security	37	37
Fair Value, 12 Months or More	$ 299,606	$ 311,964
Unrealized Losses, 12 Months or More	$ (57,850)	$ (86,388)
Number of positions \| security	39	40
Fair Value	$ 324,422	$ 360,843
Unrealized Losses	$ (57,908)	$ (86,870)
Held to Maturity:
Number of positions, Less than 12 Months \| security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More \| security	18	18
Fair Value, 12 Months or More	$ 301,657	$ 313,376
Unrealized Losses, 12 Months or More	$ (18,600)	$ (41,506)
Number of positions \| security	18	18
Fair Value	$ 301,657	$ 313,376
Unrealized Losses	$ (18,600)	$ (41,506)
Collateralized mortgage obligations \| Commercial mortgage-backed securities:
Available for Sale:
Number of positions, Less than 12 Months \| security	12	2
Fair Value, Less than 12 Months	$ 40,387	$ 7,681
Unrealized Losses, Less than 12 Months	$ (56)	$ (39)
Number of positions, 12 Months or More \| security	25	25
Fair Value, 12 Months or More	$ 102,206	$ 104,326
Unrealized Losses, 12 Months or More	$ (18,064)	$ (21,556)
Number of positions \| security	37	27
Fair Value	$ 142,593	$ 112,007
Unrealized Losses	$ (18,120)	$ (21,595)
Held to Maturity:
Number of positions, Less than 12 Months \| security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More \| security	9	9
Fair Value, 12 Months or More	$ 36,083	$ 36,345
Unrealized Losses, 12 Months or More	$ (5,997)	$ (7,317)
Number of positions \| security	9	9
Fair Value	$ 36,083	$ 36,345
Unrealized Losses	$ (5,997)	$ (7,317)

Goodwill and Other Intangible Assets - Schedule of Carrying Amount of Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Goodwill [Roll Forward]
Beginning balance	$ 988,898	$ 991,665
Sale of the insurance agency		(2,767)
Additions to goodwill from The First merger	418,196
Divestiture of SGIS	(1,254)
Ending balance	1,405,840	988,898
Community Banks
Goodwill [Roll Forward]
Beginning balance	988,898	988,898
Sale of the insurance agency		0
Additions to goodwill from The First merger	418,196
Divestiture of SGIS	(1,254)
Ending balance	1,405,840	988,898
Insurance
Goodwill [Roll Forward]
Beginning balance	0	2,767
Sale of the insurance agency		(2,767)
Additions to goodwill from The First merger	0
Divestiture of SGIS	0
Ending balance	$ 0	$ 0

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

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Loans - Schedule of Related Parties (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2025 USD ($)
Related Party Loans
Loans at December 31, 2024	$ 4,250
New loans and advances	5,262
Loans to directors assumed in acquisition	8,362
Payments received	(278)
Loans at December 31, 2025	$ 17,596

Long-Term Debt - Schedule of Debentures (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2025 USD ($)
Debentures details
Carrying Value	$ 140,632
Amount Included in Tier 1 Capital	136,235
PHC Statutory Trust I
Debentures details
Principal Amount	20,619
Carrying Value	$ 20,619
Spread (in bps)	3.11%
Amount Included in Tier 1 Capital	$ 20,000
PHC Statutory Trust II
Debentures details
Principal Amount	31,959
Carrying Value	$ 31,959
Spread (in bps)	2.13%
Amount Included in Tier 1 Capital	$ 31,000
Capital Bancorp Capital Trust I
Debentures details
Principal Amount	12,372
Carrying Value	$ 12,372
Spread (in bps)	1.76%
Amount Included in Tier 1 Capital	$ 12,000
First M&F Statutory Trust I
Debentures details
Principal Amount	30,928
Carrying Value	$ 26,360
Spread (in bps)	1.59%
Amount Included in Tier 1 Capital	$ 25,433
Brand Group Holdings Statutory Trust I
Debentures details
Principal Amount	10,310
Carrying Value	$ 9,878
Spread (in bps)	2.31%
Amount Included in Tier 1 Capital	$ 9,568
Brand Group Holdings Statutory Trust II
Debentures details
Principal Amount	5,155
Carrying Value	$ 5,190
Spread (in bps)	3.26%
Amount Included in Tier 1 Capital	$ 5,035
Brand Group Holdings Statutory Trust III
Debentures details
Principal Amount	5,155
Carrying Value	$ 5,191
Spread (in bps)	3.26%
Amount Included in Tier 1 Capital	$ 5,036
Brand Group Holdings Statutory Trust IV
Debentures details
Principal Amount	3,093
Carrying Value	$ 3,284
Spread (in bps)	4.01%
Amount Included in Tier 1 Capital	$ 3,191
FMB Trust I
Debentures details
Principal Amount	6,186
Carrying Value	$ 6,228
Spread (in bps)	3.11%
Amount Included in Tier 1 Capital	$ 6,041
Liberty Trust II
Debentures details
Principal Amount	10,310
Carrying Value	$ 9,818
Spread (in bps)	1.74%
Amount Included in Tier 1 Capital	$ 9,508
The First Trust II
Debentures details
Principal Amount	4,124
Carrying Value	$ 3,925
Spread (in bps)	1.91%
Amount Included in Tier 1 Capital	$ 3,801
The First Trust III
Debentures details
Principal Amount	6,186
Carrying Value	$ 5,808
Spread (in bps)	1.66%
Amount Included in Tier 1 Capital	$ 5,622

Income Taxes - Schedule of Income Taxes Paid (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating Loss Carryforwards [Line Items]
U.S. Federal	$ 16,407
U.S. State
Total income taxes paid	18,363	$ 29,065	$ 42,047
Mississippi
U.S. State
U.S. State	1,000
Other states
U.S. State
U.S. State	$ 956

Long-Term Debt (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Long-term Debt

Long-term debt as of December 31, 2025 and 2024 is summarized as follows:


	2025		2024
Federal Home Loan Bank advances	$	—	$	—

Junior subordinated debentures	140,632		113,916
Subordinated notes	359,124		316,698
Total long-term debt	$	499,756	$	430,614

Schedule of Debentures

The following table provides the details of the debentures as of December 31, 2025:


	Principal Amount		Carrying Value		Spread (in bps)	Year of Maturity	Amount Included in Tier 2 Capital
PHC Statutory Trust I	$	20,619	$	20,619	311	2033	$	20,000
PHC Statutory Trust II	31,959		31,959		213	2035	31,000
Capital Bancorp Capital Trust I	12,372		12,372		176	2035	12,000
First M&F Statutory Trust I	30,928		26,360		159	2036	25,433
Brand Trust I	10,310		9,878		231	2035	9,568
Brand Trust II	5,155		5,190		326	2037	5,035
Brand Trust III	5,155		5,191		326	2038	5,036
Brand Trust IV	3,093		3,284		401	2038	3,191
FMB Trust I	6,186		6,228		311	2033	6,041
Liberty Trust II	10,310		9,818		174	2036	9,508
The First Trust II	4,124		3,925		191	2037	3,801
The First Trust III	6,186		5,808		166	2037	5,622
Total			$	140,632			$	136,235

A summary of the Notes is as follows:


Issue Date	Initial principal		Fixed rate	Fixed to floating transition date	Benchmark rate	Spread (in bps)	Debt outstanding		Maturity
August 22, 2016	$	40,000	5.50%	September 1, 2026	3-month CME Term SOFR	407.1	$	40,000	September 1, 2031
September 3, 2020	$	100,000	4.50%	September 15, 2030	3-month CME Term SOFR	402.5	$	100,000	September 15, 2035
November 23, 2021	$	200,000	3.00%	December 1, 2026	3-month CME Term SOFR	191	$	196,400	December 1, 2031
April 30, 2018	$	37,000	6.40%	May 1 ,2028	3-month CME Term SOFR	339	$	37,000	May 1, 2033
Debt issuance costs							(12,280)
Fair value adjustment							(1,996)
Total subordinated debt							$	359,124

Schedule of Aggregate Stated Maturities of Long-term Debt Outstanding

The aggregate stated maturities of long-term debt outstanding at December 31, 2025, are summarized as follows:


	Federal Home Loan Bank advances		Junior subordinated debentures		Subordinated notes		Total
2026	$	—	$	—	$	—	$	—
2027	—		—		—		—
2028	—		—		—		—
2029	—		—		—		—
2030	—		—		—		—
Thereafter	—		140,632		359,124		499,756
Total	$	—	$	140,632	$	359,124	$	499,756

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

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Allowance for Credit Losses

12 Months Ended

Dec. 31, 2025

Allowance for Credit Losses

(In Thousands)

Allowance for Credit Losses on Loans

The following table provides a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology for the periods presented:


	Commercial and industrial		Construction and land development		Real Estate - 1-4 Family Mortgage		Commercial real estate - owner occupied		Commercial real estate - non-owner occupied		Consumer		Total
Year Ended December 31, 2025
Allowance for credit losses on loans:
Beginning balance	$	41,864	$	19,200	$	45,498	$	16,993	$	71,664	$	6,537	$	201,756
Impact of PCD loans acquired during the period	8,997		2,185		708		4,290		8,823		—		25,003
Charge-offs	(19,527)		(374)		(1,457)		(5,717)		(160)		(1,524)		(28,759)
Recoveries	2,047		10		221		448		204		452		3,382
Net charge-offs	(17,480)		(364)		(1,236)		(5,269)		44		(1,072)		(25,377)
Provision for (reversal of) credit losses on loans	24,450		10,338		16,279		22,947		19,074		(515)		92,573
Ending balance	$	57,831	$	31,359	$	61,249	$	38,961	$	99,605	$	4,950	$	293,955

Nonaccruing loans with no allowance for credit losses	$	22,985	$	6,718	$	2,386	$	8,097	$	10,646	$	—	$	50,832


	Commercial and industrial		Construction and land development		Real Estate - 1-4 Family Mortgage		Commercial real estate - owner occupied		Commercial real estate - non-owner occupied		Consumer		Total
Year Ended December 31, 2024
Allowance for credit losses on loans:
Beginning balance	$	46,418	$	23,328	$	45,046	$	15,192	$	59,474	$	9,120	$	198,578
Impact of PCD loans acquired during the period	—		—		—		—		—		—		—
Charge-offs	(5,105)		(152)		(966)		(37)		(5,693)		(1,856)		(13,809)
Recoveries	1,745		—		165		112		2,166		1,551		5,739
Net charge-offs	(3,360)		(152)		(801)		75		(3,527)		(305)		(8,070)
(Reversal of) provision for credit losses on loans	(1,194)		(3,976)		1,253		1,726		15,717		(2,278)		11,248
Ending balance	$	41,864	$	19,200	$	45,498	$	16,993	$	71,664	$	6,537	$	201,756

Nonaccruing loans with no allowance for credit losses	$	735	$	3,257	$	6,298	$	3,194	$	8,555	$	—	$	22,039

The increase in the allowance for credit losses was primarily driven by loan balance increase from a combination of organic loan growth and from the acquisition of The First, and changes in the macroeconomic environment and qualitative factors. The

Company’s allowance for credit loss considers current conditions, economic projections, primarily the national unemployment rate and GDP over a reasonable and supportable period of two years, historical loss data, and environmental factors.

The Company’s allowance for credit loss considers current conditions, economic projections, primarily the national unemployment rate and GDP over a reasonable and supportable period of two years, historical loss data, and environmental factors. The allowance for credit losses under CECL is calculated utilizing the probability of default (“PD”)/ loss given default (“LGD”) approach for most commercial mortgage related pools, while the average historical life-of-loan loss rate cohort approach is used for the remaining pools.

Collateral Dependent Loans

The following tables present collateral dependent loans by loan portfolio segment and by type of collateral along with the related allowance for credit losses:


	Collateral Type
	Real Estate		Other		Total		Allowance
December 31, 2025
Commercial and industrial	$	—	$	46,860	$	46,860	$	4,502
Construction and land development
Residential	2,033		—		2,033		—
Other	10,575		—		10,575		1,887
Total construction and land development	12,608		—		12,608		1,887
Real estate - 1-4 family mortgage
First lien	3,263		—		3,263		116
Junior lien	—		—		—		—
Home equity	500		—		500		—
Total real estate – 1-4 family mortgage	3,763		—		3,763		116
Commercial real estate - owner occupied	21,165		—		21,165		3,661
Commercial real estate - non-owner occupied
Multi family	—		—		—		—
Other	48,049		—		48,049		10,999
Total commercial real estate - non-owner occupied	48,049		—		48,049		10,999
Consumer	—		270		270		270
Loans, net of unearned income	$	85,585	$	47,130	$	132,715	$	21,435


	Collateral Type
	Real Estate		Other		Total		Allowance
December 31, 2024
Commercial and industrial	$	—	$	13,794	$	13,794	$	5,160
Construction and land development
Residential	241		—		241		—
Other	3,016		—		3,016		—
Total construction and land development	3,257		—		3,257		—
Real estate - 1-4 family mortgage
First lien	6,298		—		6,298		—
Junior lien	—		—		—		—
Home equity	278		—		278		—
Total real estate – 1-4 family mortgage	6,576		—		6,576		—
Commercial real estate - owner occupied	13,891		—		13,891		4,063
Commercial real estate - non-owner occupied
Multi family	—		—		—		—
Other	28,275		—		28,275		5,559
Total commercial real estate - non-owner occupied	28,275		—		28,275		5,559
Consumer	—		270		270		270
Loans, net of unearned income	$	51,999	$	14,064	$	66,063	$	15,052

The increase in collateral dependent loans from December 31, 2024 is primarily due to acquired collateral dependent loans from The First and the migration of a large relationship resulting from a bankruptcy.

Allowance for Credit Losses on Unfunded Loan Commitments

The following table provides a roll-forward of the allowance for credit losses on unfunded loan commitments included in “Other liabilities” in the Consolidated Balance Sheets for the periods presented.


	Year Ended
	2025		2024
Allowance for credit losses on unfunded loan commitments:
Beginning balance	$	14,943	$	16,918
Provision for (reversal of) credit losses on unfunded loan commitments	14,884		(1,975)
Ending balance	$	29,827	$	14,943

Fair Value Measurements

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Abstract]

Fair Value Measurements

(In Thousands)

Recurring Fair Value Measurements

The Company carries certain assets and liabilities at fair value on a recurring basis. The Company’s recurring fair value measurements are based on the requirement to carry such assets and liabilities at fair value or the Company’s election to carry certain eligible assets and liabilities at fair value. Assets and liabilities that are required to be carried at fair value include securities available for sale and derivative instruments. The Company has elected to carry mortgage loans held for sale at fair value on a recurring basis as permitted under the guidance in ASC 825.

The following methods and assumptions are used by the Company to estimate the fair values of the Company’s financial assets and liabilities that are measured on a recurring basis:

Securities available for sale: Securities available for sale consist of debt securities, such as obligations of U.S. Government agencies and corporations and mortgage-backed securities. Where quoted market prices in active markets are available, securities are classified within Level 1 of the fair value hierarchy. If quoted prices from active markets are not available, fair values are based on quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active, or model-based valuation techniques where all significant assumptions are observable in the market. Such instruments are classified within Level 2 of the fair value hierarchy. All Level 2 securities, including state and political subdivisions, mortgage-backed securities and other debt securities are valued using model-based valuation techniques where all significant assumptions are observable. When assumptions used in model-based valuation techniques are not observable in the market, the assumptions used by management reflect estimates of assumptions used by

other market participants in determining fair value. When there is limited transparency around the inputs to the valuation, the instruments are classified within Level 3 of the fair value hierarchy.

Derivative instruments: Most of the Company’s derivative contracts are actively traded in over-the-counter markets and are valued using discounted cash flow models which incorporate observable market based inputs including current market interest rates, credit spreads, and other factors. Such instruments are categorized within Level 2 of the fair value hierarchy and include interest rate swaps and other interest rate contracts including interest rate caps and/or floors. The Company’s interest rate lock commitments are valued using current market prices for mortgage-backed securities with similar characteristics, adjusted for certain factors including servicing and risk. The value of the Company’s forward commitments is based on current prices for securities backed by similar types of loans. Because these assumptions are observable in active markets, the Company’s interest rate lock commitments and forward commitments are categorized within Level 2 of the fair value hierarchy.

Mortgage loans held for sale in loans held for sale: The Company has elected to carry mortgage loans held for sale at fair value on a recurring basis under the fair value option. Mortgage loans held for sale are primarily agency loans which trade in active secondary markets. The fair value of these instruments is derived from current market pricing for similar loans, adjusted for differences in loan characteristics, including servicing and risk. Because the valuation is based on external pricing of similar instruments, mortgage loans held for sale are classified within Level 2 of the fair value hierarchy.

The following tables present assets and liabilities that are measured at fair value on a recurring basis as of the dates presented:


	Level 1		Level 2		Level 3		Totals
December 31, 2025
Financial assets:


Securities available for sale	$	—	$	2,560,818	$	—	$	2,560,818

Derivative instruments	—		47,098		—		47,098
Mortgage loans held for sale in loans held for sale	—		265,959		—		265,959
Total financial assets	$	—	$	2,873,875	$	—	$	2,873,875
Financial liabilities:
Derivative instruments	$	—	$	41,484	$	—	$	41,484


	Level 1		Level 2		Level 3		Totals
December 31, 2024
Financial assets:


Securities available for sale	$	—	$	831,013	$	—	$	831,013

Derivative instruments	—		38,954		—		38,954
Mortgage loans held for sale in loans held for sale	—		246,171		—		246,171
Total financial assets	$	—	$	1,116,138	$	—	$	1,116,138
Financial liabilities:
Derivative instruments	$	—	$	32,268	$	—	$	32,268

The Company reviews fair value hierarchy classifications on a quarterly basis. Changes in the Company’s ability to observe inputs to the valuation may cause reclassification of certain assets or liabilities within the fair value hierarchy. There were no such transfers between levels of the fair value hierarchy during the year ended December 31, 2025.

For 2025 and 2024, there were no gains or losses included in earnings that were attributable to the change in unrealized gains or losses related to assets or liabilities held at the end of each respective period that were measured on a recurring basis using significant unobservable inputs.

Nonrecurring Fair Value Measurements

Certain assets may be recorded at fair value on a nonrecurring basis. These nonrecurring fair value adjustments typically are a result of the application of the lower of cost or market accounting or a write-down occurring during the period. The following tables provide as of the dates presented the fair value measurement for assets measured at fair value on a nonrecurring basis that

were still held on the Consolidated Balance Sheets at period end and the level within the fair value hierarchy each is classified:


	Level 1		Level 2		Level 3		Totals
December 31, 2025
Collateral dependent loans	$	—	$	—	$	87,680	$	87,680
OREO	—		—		3,538		3,538

Total	$	—	$	—	$	91,218	$	91,218


	Level 1		Level 2		Level 3		Totals
December 31, 2024
Collateral dependent loans	$	—	$	—	$	38,374	$	38,374
OREO	—		—		3,666		3,666

Total	$	—	$	—	$	42,040	$	42,040

The following methods and assumptions are used by the Company to estimate the fair values of the Company’s assets measured on a nonrecurring basis:

Collateral dependent loans: Loans that do not share similar risk characteristics such that they can be evaluated on a collective (pool) basis are individually evaluated for credit losses each quarter taking into account the fair value of the collateral less estimated selling costs. Collateral may be real estate and/or business assets such as equipment, inventory and accounts receivable. The fair value of real estate is determined based on appraisals by qualified licensed appraisers. The fair value of the business assets is generally based on amounts reported on the business’s financial statements. Appraised and reported values may be adjusted based on changes in market conditions from the time of valuation and management’s knowledge of the client and the client’s business. Since not all valuation inputs are observable, these nonrecurring fair value determinations are classified as Level 3.

Other real estate owned: OREO is comprised of commercial and residential real estate obtained in partial or total satisfaction of loan obligations. OREO acquired in settlement of indebtedness is recorded at the fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Fair value, when recorded, is determined based on appraisals by qualified licensed appraisers and adjusted for management’s estimates of costs to sell. Accordingly, values for OREO are classified as Level 3.

The following table presents, as of December 31, 2025, OREO measured at fair value on a nonrecurring basis that was still held in the Consolidated Balance Sheets at period-end. There was no impairment recognized during 2024 of OREO assets still held in the Consolidated Balance Sheets at period end.


	December 31, 2025







Carrying amount prior to remeasurement	$	4,182
Impairment recognized in results of operations	(644)
Fair value	$	3,538

Mortgage servicing rights: The fair value of mortgage servicing rights is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds and servicing costs. Because these factors are not all observable and include management’s assumptions, mortgage servicing rights are classified within Level 3 of the fair value hierarchy. Mortgage servicing rights were carried at amortized cost at December 31, 2025 and December 31, 2024. See Note 8, “Mortgage Servicing Rights,” for information about the valuation adjustments to the Company’s mortgage servicing rights.

The following table presents information as of December 31, 2025 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis:

Financial instrument

Fair
Value

Valuation Technique

Significant
Unobservable Inputs

Inputs

Collateral dependent loans, net of allowance for credit losses

87,680

Appraised value of collateral less estimated costs to sell

Estimated costs to sell

10%

OREO

3,538

Appraised value of property less estimated costs to sell

Estimated costs to sell

10%

The input of 10% on impairments and OREO is based primarily on historical experience with respect to carrying and marketing costs.

Fair Value Option

The Company elected to measure all mortgage loans originated for sale at fair value under the fair value option. Electing to measure these assets at fair value reduces certain timing differences and better matches the changes in fair value of the loans with changes in the fair value of derivative instruments used to economically hedge them.

Net gains of $3,166 resulting from fair value changes of these mortgage loans were recorded in income during 2025, as compared to net losses of $3,309 in 2024 and net gains of $3,300 in 2023.

The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these loans, valuation adjustments attributable to instrument-specific credit risk is nominal. Interest income on mortgage loans held for sale measured at fair value is accrued as it is earned based on contractual rates and is reflected in loan interest income on the Consolidated Statements of Income.

The following table summarizes the differences between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of December 31, 2025 and December 31, 2024:


	Aggregate Fair Value		Aggregate Unpaid Principal Balance		Difference
December 31, 2025
Mortgage loans held for sale measured at fair value	$	265,959	$	260,841	$	5,118

December 31, 2024
Mortgage loans held for sale measured at fair value	$	246,171	$	244,218	$	1,953

Fair Value of Financial Instruments

The carrying amounts and estimated fair values of the Company’s financial instruments, including those assets and liabilities that are not measured and reported at fair value on a recurring basis or nonrecurring basis, were as follows as of the dates presented:


			Fair Value
	Carrying Value		Level 1		Level 2		Level 3		Total
December 31, 2025
Financial assets
Cash and cash equivalents	$	1,070,718	$	1,070,718	$	—	$	—	$	1,070,718
Securities held to maturity	1,030,073		—		961,870		—		961,870
Securities available for sale	2,560,818		—		2,560,818		—		2,560,818
Loans held for sale	265,959		—		265,959		—		265,959

Loans, net	18,753,084		—		—		18,689,957		18,689,957

Mortgage servicing rights	65,271		—		—		80,537		80,537
Derivative instruments	47,098		—		47,098		—		47,098
Financial liabilities
Deposits	$	21,473,070	$	—	$	21,465,168	$	—	$	21,465,168
Short-term borrowings	555,774				555,774		—		555,774


Junior subordinated debentures	140,632		—		126,976		—		126,976
Subordinated notes	359,124		—		352,616		—		352,616
Derivative instruments	41,484		—		41,484		—		41,484


			Fair Value
	Carrying Value		Level 1		Level 2		Level 3		Total
December 31, 2024
Financial assets
Cash and cash equivalents	$	1,092,032	$	1,092,032	$	—	$	—	$	1,092,032
Securities held to maturity	1,126,112		—		1,002,544		—		1,002,544
Securities available for sale	831,013		—		831,013		—		831,013
Loans held for sale	246,171		—		246,171		—		246,171
Loans, net	12,683,264		—		—		12,340,638		12,340,638
Mortgage servicing rights	72,991		—		—		96,290		96,290

Derivative instruments	38,954		—		38,954		—		38,954
Financial liabilities
Deposits	$	14,572,612			$	14,570,304	$	—	$	14,570,304
Short-term borrowings	108,018				108,018		—		108,018


Junior subordinated debentures	113,916		—		100,668		—		100,668
Subordinated notes	316,698		—		295,868		—		295,868
Derivative instruments	32,268		—		32,268		—		32,268

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

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Banking and Thrift, Interest [Abstract]

Regulatory Matters

12 Months Ended

Dec. 31, 2025

Regulatory Matters

(In Thousands)

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that bank holding companies and banks must maintain. Those guidelines specify capital tiers, which include the following classifications (which include the “capital conservation buffer” discussed below):

Capital Tiers

Tier 1 Capital to
Average Assets
(Leverage)

Common Equity Tier 1 to
Risk - Weighted Assets

Tier 1 Capital to
Risk – Weighted
Assets

Total Capital to
Risk – Weighted
Assets

Well capitalized

5% or above

6.5% or above

8% or above

10% or above

Adequately capitalized

4% or above

4.5% or above

6% or above

8% or above

Undercapitalized

Less than 4%

Less than 4.5%

Less than 6%

Less than 8%

Significantly undercapitalized

Less than 3%

Less than 4%

Less than 6%

Critically undercapitalized

Tangible Equity / Total Assets less than 2%

The following table provides the capital and risk-based capital and leverage ratios for the Company and for Renasant Bank as of December 31:


	2025				2024
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	2,424,528	9.61	%	$	1,935,522	11.34	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	2,424,528		11.24	%	1,825,197		12.73	%
Tier 1 Capital to Risk-Weighted Assets	2,424,528		11.24	%	1,935,522		13.50	%
Total Capital to Risk-Weighted Assets	3,190,074		14.78	%	2,449,129		17.08	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	2,590,284	10.28	%	$	1,843,123	10.80	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	2,590,284		12.00	%	1,843,123		12.85	%
Tier 1 Capital to Risk-Weighted Assets	2,590,284		12.00	%	1,843,123		12.85	%
Total Capital to Risk-Weighted Assets	2,860,621		13.25	%	2,022,737		14.10	%

Common equity Tier 1 capital (“CET1”) generally consists of common stock, retained earnings, accumulated other comprehensive income and certain minority interests, less certain adjustments and deductions. In addition, the Company and the Bank must maintain a “capital conservation buffer,” which is a 2.5% of CET1 to risk-weighted assets in addition to the amount necessary to meet minimum risk-based capital requirements. The capital conservation buffer is designed to absorb losses during periods of economic stress. If the Company’s ratio of CET1 to risk-weighted capital is below the capital conservation buffer, the Company will face restrictions on its ability to pay dividends, repurchase outstanding stock and make certain discretionary bonus payments. If the Bank’s ratio of CET1 to risk-weighted capital is below the capital conservation buffer, the Bank will face limitations on capital distributions, including the payment of dividends to the Company.

As previously disclosed, the Company adopted CECL as of January 1, 2020. The Company has elected to take advantage of transitional relief offered by the Federal Reserve and the FDIC to delay for two years the estimated impact of CECL on regulatory capital, followed by a three-year transitional period to phase out the capital benefit provided by the two-year delay.

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

Schedule of Other Real Estate Owned (OREO) Covered and Not Covered Under a Loss-Share Agreement, Net of Valuation Allowances and Direct Write-Downs

Other Real Estate Owned (Tables)

12 Months Ended

Dec. 31, 2025

Real Estate [Abstract]

The following table provides details of the Company’s other real estate owned (“OREO”), net of valuation allowances and direct write-downs, as of the dates presented:


	December 31, 2025		December 31, 2024
Residential real estate	$	5,001	$	2,966
Commercial real estate	8,502		5,681
Residential land development	15		19
Commercial land development	1,673		7

Total	$	15,191	$	8,673

Schedule of Changes in Company’s OREO

Changes in the Company’s OREO were as follows for the periods presented:


	Total OREO
Balance at December 31, 2023	$	9,622

Transfers of loans	2,612

Impairments	(438)
Dispositions	(3,123)

Balance at December 31, 2024	$	8,673
Acquired OREO	11,032
Transfers of loans	12,341

Impairments	(665)
Dispositions	(16,190)

Balance at December 31, 2025	$	15,191

Schedule of Components of OREO in the Consolidated Statements of Income

Components of the line item “Other real estate owned” in the Consolidated Statements of Income were as follows, as of the dates presented:


	Year Ended December 31,
	2025		2024		2023
Repairs and maintenance	$	635	$	372	$	103
Property taxes and insurance	433		280		427
Impairments	665		438		18
Net gains on OREO sales	(74)		(227)		(275)
Rental income	(8)		(5)		(6)
Total	$	1,651	$	858	$	267

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Loans (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Loans and Leases

The following is a summary of loans and leases, excluding loans held for sale, at December 31:


	2025		2024
Commercial and industrial	$	2,818,326	$	1,976,286
Construction and land development
Residential	382,773		256,661
Other	1,522,863		1,065,148
Total construction and land development	1,905,636		1,321,809
Real estate - 1-4 family mortgage
First lien	3,844,097		2,805,693
Junior lien	52,943		25,441
Home equity	737,993		544,160
Total real estate – 1-4 family mortgage	4,635,033		3,375,294
Commercial real estate - owner occupied	3,334,664		1,894,679
Commercial real estate - non-owner occupied
Multi family	1,392,779		985,037
Other	4,852,701		3,241,901
Total commercial real estate - non-owner occupied	6,245,480		4,226,938
Consumer	107,900		90,014
Loans, net of unearned income	19,047,039		12,885,020

Schedule of Aging of Past Due and Nonaccrual Loans

The following table provides nonaccrual loans and an aging of accruing past due loans, segregated by class, as of the dates presented:


	Accruing Loans
	30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Accruing Loans		Nonaccruing Loans		Total Loans
December 31, 2025
Commercial and industrial	$	6,580	$	109	$	2,783,744	$	2,790,433	$	27,893	$	2,818,326
Construction and land development
Residential	59		—		380,681		380,740		2,033		382,773
Other	676		158		1,516,490		1,517,324		5,539		1,522,863
Total construction and land development	735		158		1,897,171		1,898,064		7,572		1,905,636
Real estate - 1-4 family mortgage
First lien	55,636		—		3,727,587		3,783,223		60,874		3,844,097
Junior lien	743		7		50,717		51,467		1,476		52,943
Home equity	3,885		—		731,034		734,919		3,074		737,993
Total real estate – 1-4 family mortgage	60,264		7		4,509,338		4,569,609		65,424		4,635,033
Commercial real estate - owner occupied	9,109		—		3,294,252		3,303,361		31,303		3,334,664
Commercial real estate - non-owner occupied
Multi family	—		—		1,391,994		1,391,994		785		1,392,779
Other	11,595		—		4,798,496		4,810,091		42,610		4,852,701
Total commercial real estate - non-owner occupied	11,595		—		6,190,490		6,202,085		43,395		6,245,480
Consumer	879		14		106,864		107,757		143		107,900
Loans, net of unearned income	$	89,162	$	288	$	18,781,859	$	18,871,309	$	175,730	$	19,047,039


	Accruing Loans
	30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Accruing Loans		Nonaccruing Loans		Total Loans
December 31, 2024
Commercial and industrial	$	836	$	125	$	1,969,367	$	1,970,328	$	5,958	$	1,976,286
Construction and land development
Residential	2,194		—		253,244		255,438		1,223		256,661
Other	167		1,913		1,059,917		1,061,997		3,151		1,065,148
Total construction and land development	2,361		1,913		1,313,161		1,317,435		4,374		1,321,809
Real estate - 1-4 family mortgage
First lien	29,755		12		2,721,625		2,751,392		54,301		2,805,693
Junior lien	46		—		24,283		24,329		1,112		25,441
Home equity	3,186		35		537,570		540,791		3,369		544,160
Total real estate – 1-4 family mortgage	32,987		47		3,283,478		3,316,512		58,782		3,375,294
Commercial real estate - owner occupied	2,650		365		1,879,350		1,882,365		12,314		1,894,679
Commercial real estate - non-owner occupied
Multi family	—		—		985,037		985,037		—		985,037
Other	326		—		3,212,295		3,212,621		29,280		3,241,901
Total commercial real estate - non-owner occupied	326		—		4,197,332		4,197,658		29,280		4,226,938
Consumer	682		14		89,215		89,911		103		90,014
Loans, net of unearned income	$	39,842	$	2,464	$	12,731,903	$	12,774,209	$	110,811	$	12,885,020

Schedule of Impact of Modifications Classified as Restructured Loans

The following tables present the amortized cost basis of loans that were experiencing financial difficulty and modified during the years ended December 31, 2025 and 2024, respectively, by class of financing receivable and by type of modification.


	Twelve months ended December 31, 2025
	Interest Rate Reduction		Term Extension		Payment Delay		Term Extension and Payment Delay		Interest Rate Reduction and Term Extension		Interest Rate Reduction and Payment Delay		Total		% of Loans
Commercial and industrial	$	—	$	27,470	$	364	$	165	$	—	$	457	$	28,456	1.01	%
Construction and land development
Residential	—		—		—		—		—		—		—		—
Other	—		31		—		—		—		—		31		—
Total construction and land development	—		31		—		—		—		—		31		—
Real estate - 1-4 family mortgage
First lien	—		45		161		161		—		—		367		0.01	%
Junior lien	—		—		—		—		—		—		—		—
Home equity	—		39		152		148		—		—		339		0.05
Total real estate – 1-4 family mortgage	—		84		313		309		—		—		706		0.02
Commercial real estate - owner occupied	997		1,665		—		—		139		—		2,801		0.08
Commercial real estate - non-owner occupied
Multi family	—		—		—		—		—		—		—		—
Other	—		2,037		294		481		351		—		3,163		0.07
Total commercial real estate - non-owner occupied	—		2,037		294		481		351		—		3,163		0.05
Consumer	—		81		7		12		—		—		100		0.09
Loans, net of unearned income	$	997	$	31,368	$	978	$	967	$	490	$	457	$	35,257	0.19	%


	Twelve months ended December 31, 2024
	Interest Rate Reduction		Term Extension		Payment Delay		Term Extension and Payment Delay		Interest Rate Reduction and Term Extension		Interest Rate Reduction, Term Extension and Payment Delay		Interest Rate Reduction and Payment Delay		Total		% Total Loans
Commercial and industrial	$	3,215	$	67	$	47	$	405	$	—	$	113	$	—	$	3,847	0.19	%
Construction and land development
Residential	—		—		—		—		—		—		—		—		—
Other	—		—		—		—		—		—		—		—		—
Total construction and land development	—		—		—		—		—		—		—		—		—
Real estate - 1-4 family mortgage
First lien	—		58		2,046		—		—		—		204		2,308		0.08
Junior lien	—		33		—		—		—		—		—		33		0.13
Home equity	—		103		—		—		—		—		—		103		0.02
Total real estate – 1-4 family mortgage	—		194		2,046		—		—		—		204		2,444		0.07
Commercial real estate - owner occupied	6,948		1,249		204		232		252		—		—		8,885		0.47
Commercial real estate - non-owner occupied
Multi family	—		—		—		—		—		—		—		—		—
Other	—		19,288		79		—		—		—		—		19,367		0.60
Total commercial real estate - non-owner occupied	—		19,288		79		—		—		—		—		19,367		0.46
Consumer	—		—		13		—		—		3		—		16		0.02
Loans, net of unearned income	$	10,163	$	20,798	$	2,389	$	637	$	252	$	116	$	204	$	34,559	0.27	%

The following tables present the weighted average financial effect of loan modifications by class of financing receivable for the periods presented.

Twelve months ended December 31, 2025

Loan Type

Financial Effect

Interest Rate Reduction

Commercial real estate - owner occupied

Reduced the interest rate 485 basis points

Term Extension

Commercial and industrial

Extended the term 12 months

Construction and land development - Other

Extended the term 60 months

Real estate - 1-4 family mortgage - First lien

Extended the term 12 months

Real estate - 1-4 family mortgage - Home equity

Extended the term 56 months

Commercial real estate - owner occupied

Extended the term 7 months

Commercial real estate - non-owner occupied - Other

Extended the term 12 months

Consumer

Extended the term 124 months

Payment Delay

Commercial and industrial

Delayed the payment 14 months

Real estate - 1-4 family mortgage - First lien

Delayed the payment 16 months

Real estate - 1-4 family mortgage - Home equity

Delayed the payment 52 months

Commercial real estate - non-owner occupied - Other

Delayed the payment 6 months

Consumer

Delayed the payment 23 months

Combination - Term Extension and Payment Delay

Commercial and industrial

Extended the term and delayed the payment 29 months

Real estate - 1-4 family mortgage - First lien

Extended the term and delayed the payment 11 months

Real estate - 1-4 family mortgage - Home equity

Extended the term and delayed the payment 69 months

Commercial real estate - non-owner occupied - Other

Extended the term and delayed the payment 15 months

Consumer

Extended the term and delayed the payment 45 months

Combination - Interest Rate Reduction and Term Extension

Commercial real estate - owner occupied

Reduced the interest rate 45 basis points and extended the term 80 months

Commercial real estate - non-owner occupied - Other

Reduced the interest rate 45 basis points and extended the term 81 months

Combination - Interest Rate Reduction and Payment Delay

Commercial and industrial

Reduced the interest rate 150 basis points and delayed the payment 60 months

Twelve months ended December 31, 2024

Loan Type

Financial Effect

Interest Rate Reduction

Commercial and industrial

Reduced the interest rate 46 basis points

Commercial real estate - owner occupied

Reduced the interest rate 47 basis points

Term Extension

Commercial and industrial

Extended the term 8 months

Real estate - 1-4 family mortgage - First lien

Extended the term 39 months

Real estate - 1-4 family mortgage - Junior lien

Extended the term 24 months

Real estate - 1-4 family mortgage - Home equity

Extended the term 16 months

Commercial real estate - owner occupied

Extended the term 8 months

Commercial real estate - non-owner occupied - Other

Extended the term 18 months

Payment Delay

Commercial and industrial

Delayed the payment 8 months

Real estate - 1-4 family mortgage - First lien

Delayed the payment 42 months

Commercial real estate - owner occupied

Delayed the payment 40 months

Commercial real estate - non-owner occupied - Other

Delayed the payment 9 months

Consumer

Delayed the payment 17 months

Combination - Term Extension and Payment Delay

Commercial and industrial

Extended the term and delayed the payment 42 months

Commercial real estate - owner occupied

Extended the term and delayed the payment 9 months

Combination - Interest Rate Reduction and Term Extension

Commercial real estate - owner occupied

Reduced the interest rate 275 basis points and extended the term 21 months

Combination - Interest Rate Reduction and Payment Delay

Real estate - 1-4 family mortgage - First lien

Reduced the interest rate 25 basis points and delayed the payment 51 months

Combination - Interest Rate Reduction, Term Extension and
Payment Delay

Commercial and industrial

Reduced the interest rate 181 basis points and extended the term and delayed the payment 59 months

Consumer

Reduced the interest rate 460 basis points and extended the term and delayed the payment 54 months

Schedule of Loan Portfolio by Risk-rating Grades

The following tables present the Company’s loan portfolio by year of origination or renewal and internal risk-rating grades as of the dates presented:


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2025
Commercial and industrial	$	664,836	$	267,767	$	189,777	$	250,976	$	129,199	$	102,743	$	1,188,474	$	24,554	$	2,818,326
Pass	648,151		262,528		185,033		244,440		127,075		99,108		1,122,605		21,189		2,710,129
Special mention	15,095		2,348		802		608		424		1,869		28,499		—		49,645
Classified	1,590		2,891		3,942		5,928		1,700		1,766		37,370		3,365		58,552

Current period gross charge-offs	5		1,519		3,681		4,268		5,223		3,676		1,155		—		19,527

Construction and land development	$	891,047	$	450,335	$	235,317	$	92,070	$	22,381	$	9,220	$	61,638	$	1,505	$	1,763,513
Residential	235,859		34,917		—		—		—		—		8,288		—		279,064
Pass	233,826		34,917		—		—		—		—		8,288		—		277,031
Special mention	—		—		—		—		—		—		—		—		—
Classified	2,033		—		—		—		—		—		—		—		2,033

Current period gross charge-offs	—		—		106		242		—		—		—		—		348

Other	$	655,188	$	415,418	$	235,317	$	92,070	$	22,381	$	9,220	$	53,350	$	1,505	$	1,484,449
Pass	644,909		410,878		226,065		88,922		22,381		9,094		53,106		1,505		1,456,860
Special mention	457		3,948		727		—		—		107		244		—		5,483
Classified	9,822		592		8,525		3,148		—		19		—		—		22,106

Current period gross charge-offs	—		—		—		—		—		26		—		—		26

Real Estate - 1-4 Family Mortgage	$	269,213	$	150,538	$	137,194	$	191,230	$	116,779	$	71,816	$	107,516	$	462	$	1,044,748
First lien	251,292		142,403		129,819		186,606		114,068		69,209		3,230		—		896,627
Pass	249,929		139,985		128,534		183,517		112,078		66,988		3,230		—		884,261
Special mention	263		226		525		216		530		76		—		—		1,836
Classified	1,100		2,192		760		2,873		1,460		2,145		—		—		10,530

Current period gross charge-offs	—		—		34		149		64		78		—		—		325

Junior lien	$	15,567	$	7,330	$	6,502	$	3,854	$	1,966	$	2,348	$	405	$	—	$	37,972
Pass	14,819		6,978		5,915		3,734		1,909		1,740		405		—		35,500
Special mention	514		132		—		—		—		—		—		—		646
Classified	234		220		587		120		57		608		—		—		1,826

Current period gross charge-offs	—		—		11		142		—		278		—		—		431

Home equity	$	2,354	$	805	$	873	$	770	$	745	$	259	$	103,881	$	462	$	110,149
Pass	2,354		805		873		267		745		259		103,497		411		109,211
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		503		—		—		384		51		938

Current period gross charge-offs	—		—		—		—		92		93		—		—		185


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Commercial real estate - owner occupied	$	501,919	$	602,513	$	453,290	$	541,607	$	465,069	$	558,280	$	211,986	$	—	$	3,334,664
Pass	497,708		586,917		438,247		520,128		447,885		527,129		210,685		—		3,228,699
Special mention	3,807		6,263		3,993		15,360		2,971		13,295		—		—		45,689
Classified	404		9,333		11,050		6,119		14,213		17,856		1,301		—		60,276

Current period gross charge-offs	—		—		177		—		—		1,339		4,201		—		5,717

Commercial real estate - non owner occupied	$	1,696,446	$	753,232	$	597,999	$	1,748,638	$	676,417	$	657,353	$	113,358	$	2,037	$	6,245,480
Multi family	394,699		71,999		123,963		548,165		135,587		115,521		2,845		—		1,392,779
Pass	360,750		69,068		123,477		548,165		135,587		114,726		2,845		—		1,354,618
Special mention	33,062		2,918		—		—		—		—		—		—		35,980
Classified	887		13		486		—		—		795		—		—		2,181

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	1,301,747	$	681,233	$	474,036	$	1,200,473	$	540,830	$	541,832	$	110,513	$	2,037	$	4,852,701
Pass	1,286,217		657,184		470,862		1,118,903		525,177		482,460		108,900		—		4,649,703
Special mention	—		4,741		2,249		37,841		9,328		7,852		138		—		62,149
Classified	15,530		19,308		925		43,729		6,325		51,520		1,475		2,037		140,849

Current period gross charge-offs	—		—		—		—		—		160		—		—		160

Consumer	$	—	$	—	$	2	$	—	$	—	$	—	$	—	$	—	$	2
Pass	—		—		2		—		—		—		—		—		2
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Total loans subject to risk rating	$	4,023,461	$	2,224,385	$	1,613,579	$	2,824,521	$	1,409,845	$	1,399,412	$	1,682,972	$	28,558	$	15,206,733
Pass	3,938,663		2,169,260		1,579,008		2,708,076		1,372,837		1,301,504		1,613,561		23,105		14,706,014
Special mention	53,198		20,576		8,296		54,025		13,253		23,199		28,881		—		201,428
Classified	31,600		34,549		26,275		62,420		23,755		74,709		40,530		5,453		299,291

Current period gross charge-offs	5		1,519		4,009		4,801		5,379		5,650		5,356		—		26,719


	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2024
Commercial and industrial	$	305,032	$	231,239	$	268,425	$	122,318	$	69,846	$	57,591	$	898,773	$	2,889	$	1,956,113
Pass	299,747		223,312		247,845		121,305		67,368		56,003		874,105		2,767		1,892,452
Special mention	591		2,874		3,438		415		1,244		558		7,006		—		16,126
Classified	4,694		5,053		17,142		598		1,234		1,030		17,662		122		47,535

Current period gross charge-offs	—		382		459		879		4		2,974		407		—		5,105


	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Construction and land development	$	480,017	$	274,038	$	406,832	$	29,396	$	3,341	$	5,563	$	29,561	$	175	$	1,228,923
Residential	162,972		15,455		1,708		—		—		625		1,246		—		182,006
Pass	160,778		14,673		1,467		—		—		625		1,246		—		178,789
Special mention	2,194		—		—		—		—		—		—		—		2,194
Classified	—		782		241		—		—		—		—		—		1,023

Current period gross charge-offs	—		—		145		—		—		—		—		—		145

Other	$	317,045	$	258,583	$	405,124	$	29,396	$	3,341	$	4,938	$	28,315	$	175	$	1,046,917
Pass	316,880		246,219		399,895		29,192		3,091		4,902		28,315		175		1,028,669
Special mention	165		12,345		1,882		31		59		—		—		—		14,482
Classified	—		19		3,347		173		191		36		—		—		3,766

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Real Estate - 1-4 Family Mortgage	$	108,462	$	90,023	$	116,310	$	65,019	$	33,491	$	24,714	$	35,425	$	1,150	$	474,594
First lien	103,597		83,005		113,132		63,150		32,059		23,574		4,873		984		424,374
Pass	103,192		82,201		112,684		62,703		31,966		22,794		4,873		913		421,326
Special mention	41		564		187		52		24		—		—		—		868
Classified	364		240		261		395		69		780		—		71		2,180

Current period gross charge-offs	—		—		—		—		—		66		—		—		66

Junior lien	$	3,897	$	6,013	$	3,171	$	932	$	1,432	$	1,105	$	1,576	$	115	$	18,241
Pass	3,758		5,803		3,171		829		1,432		469		1,576		96		17,134
Special mention	139		—		—		—		—		—		—		—		139
Classified	—		210		—		103		—		636		—		19		968

Current period gross charge-offs	—		12		—		—		—		—		—		—		12

Home equity	$	968	$	1,005	$	7	$	937	$	—	$	35	$	28,976	$	51	$	31,979
Pass	968		1,005		7		937		—		—		28,976		—		31,893
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		—		—		35		—		51		86

Current period gross charge-offs	—		—		—		—		—		33		—		—		33

Commercial real estate - owner occupied	$	373,353	$	271,445	$	339,116	$	275,077	$	190,911	$	304,663	$	137,023	$	2,969	$	1,894,557
Pass	372,183		261,624		330,018		271,228		188,860		299,578		130,847		2,717		1,857,055
Special mention	948		348		388		850		131		1,538		—		—		4,203
Classified	222		9,473		8,710		2,999		1,920		3,547		6,176		252		33,299

Current period gross charge-offs	—		—		37		—		—		—		—		—		37

Commercial real estate - non owner occupied	$	576,021	$	427,715	$	1,447,378	$	724,161	$	428,874	$	484,792	$	105,645	$	32,331	$	4,226,917
Multi family	66,026		37,149		413,008		316,773		118,185		28,105		4,164		1,627		985,037
Pass	65,912		37,149		387,936		316,773		118,185		28,056		4,164		1,627		959,802
Special mention	—		—		25,072		—		—		—		—		—		25,072
Classified	114		—		—		—		—		49		—		—		163


	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	509,995	$	390,566	$	1,034,370	$	407,388	$	310,689	$	456,687	$	101,481	$	30,704	$	3,241,880
Pass	488,183		390,190		966,482		401,270		307,106		402,164		101,481		22,733		3,079,609
Special mention	4,900		21		52,670		814		1,138		8,254		—		—		67,797
Classified	16,912		355		15,218		5,304		2,445		46,269		—		7,971		94,474

Current period gross charge-offs	—		—		—		—		—		5,693		—		—		5,693

Consumer	$	5	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	5
Pass	5		—		—		—		—		—		—		—		5
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Total loans subject to risk rating	$	1,842,890	$	1,294,460	$	2,578,061	$	1,215,971	$	726,463	$	877,323	$	1,206,427	$	39,514	$	9,781,109
Pass	1,811,606		1,262,176		2,449,505		1,204,237		718,008		814,591		1,175,583		31,028		9,466,734
Special mention	8,978		16,152		83,637		2,162		2,596		10,350		7,006		—		130,881
Classified	22,306		16,132		44,919		9,572		5,859		52,382		23,838		8,486		183,494

Current period gross charge-offs	—		394		641		879		4		8,766		407		—		11,091

The following tables present the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented:


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2025
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Construction and land development	$	66,151	$	33,823	$	20,283	$	6,156	$	10,321	$	3,943	$	507	$	939	$	142,123
Residential	54,380		30,881		13,955		1,265		1,914		—		375		939		103,709
Performing Loans	54,380		30,881		13,955		1,265		1,914		—		375		939		103,709
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	11,771	$	2,942	$	6,328	$	4,891	$	8,407	$	3,943	$	132	$	—	$	38,414
Performing Loans	11,771		2,921		6,247		4,744		8,403		3,932		132		—		38,150
Non-Performing Loans	—		21		81		147		4		11		—		—		264

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Real Estate - 1-4 Family Mortgage	$	333,353	$	213,474	$	345,975	$	805,063	$	534,744	$	733,503	$	609,124	$	15,049	$	3,590,285


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
First lien	331,496		209,270		343,867		801,481		533,558		727,798		—		—		2,947,470
Performing Loans	329,942		207,890		335,040		783,952		528,690		705,399		—		—		2,890,913
Non-Performing Loans	1,554		1,380		8,827		17,529		4,868		22,399		—		—		56,557

Current period gross charge-offs	—		74		28		58		—		69		—		—		229

Junior lien	$	1,857	$	4,088	$	1,745	$	2,868	$	968	$	3,445	$	—	$	—	$	14,971
Performing Loans	1,857		4,081		1,689		2,868		968		3,050		—		—		14,513
Non-Performing Loans	—		7		56		—		—		395		—		—		458

Current period gross charge-offs	—		53		—		—		—		7		—		—		60

Home equity	$	—	$	116	$	363	$	714	$	218	$	2,260	$	609,124	$	15,049	$	627,844
Performing Loans	—		116		184		714		218		1,960		608,808		13,334		625,334
Non-Performing Loans	—		—		179		—		—		300		316		1,715		2,510

Current period gross charge-offs	—		—		—		—		148		79		—		—		227

Commercial real estate - owner occupied	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Commercial real estate - non owner occupied	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multi family	—		—		—		—		—		—		—		—		—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Consumer	$	40,081	$	15,374	$	9,009	$	6,276	$	3,636	$	11,482	$	21,877	$	163	$	107,898
Performing Loans	40,079		15,371		9,006		6,238		3,636		11,376		21,874		163		107,743
Non-Performing Loans	2		3		3		38		—		106		3		—		155

Current period gross charge-offs	53		214		159		74		50		955		19		—		1,524

Total loans not subject to risk rating	439,585		262,671		375,267		817,495		548,701		748,928		631,508		16,151		3,840,306
Performing Loans	438,029		261,260		366,121		799,781		543,829		725,717		631,189		14,436		3,780,362
Non-Performing Loans	1,556		1,411		9,146		17,714		4,872		23,211		319		1,715		59,944

Current period gross charge-offs	53		341		187		132		198		1,110		19		—		2,040

Term Loans Amortized Cost Basis by Origination Year


	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2024
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	$	20,173	$	—	$	—	$	20,173
Performing Loans	—		—		—		—		—		20,173		—		—		20,173
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Construction and land development	$	42,092	$	27,581	$	14,467	$	5,872	$	2,018	$	482	$	108	$	266	$	92,886
Residential	37,714		23,301		11,210		2,056		—		—		108		266		74,655
Performing Loans	37,514		23,301		11,210		2,056		—		—		108		266		74,455
Non-Performing Loans	200		—		—		—		—		—		—		—		200

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	4,378	$	4,280	$	3,257	$	3,816	$	2,018	$	482	$	—	$	—	$	18,231
Performing Loans	4,378		4,269		3,144		3,807		2,017		482		—		—		18,097
Non-Performing Loans	—		11		113		9		1		—		—		—		134

Current period gross charge-offs	—		—		—		—		—		7		—		—		7

Real Estate - 1-4 Family Mortgage	$	152,541	$	340,032	$	706,868	$	491,159	$	279,682	$	417,569	$	499,157	$	13,692	$	2,900,700
First lien	151,968		339,214		705,064		490,266		278,986		414,928		—		893		2,381,319
Performing Loans	151,675		335,268		690,666		484,688		268,806		395,387		—		893		2,327,383
Non-Performing Loans	293		3,946		14,398		5,578		10,180		19,541		—		—		53,936

Current period gross charge-offs	—		17		195		35		110		81		—		—		438

Junior lien	$	543	$	818	$	1,804	$	893	$	696	$	2,446	$	—	$	—	$	7,200
Performing Loans	532		751		1,804		893		696		2,065		—		—		6,741
Non-Performing Loans	11		67		—		—		—		381		—		—		459

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Home equity	$	30	$	—	$	—	$	—	$	—	$	195	$	499,157	$	12,799	$	512,181
Performing Loans	30		—		—		—		—		177		499,052		9,553		508,812


Non-Performing Loans	—		—		—		—		—		18		105		3,246		3,369

Current period gross charge-offs	—		—		330		—		—		87		—		—		417

Commercial real estate - owner occupied	$	—	$	—	$	—	$	—	$	121	$	1	$	—	$	—	$	122
Performing Loans	—		—		—		—		121		1		—		—		122
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Commercial real estate - non owner occupied	$	—	$	—	$	—	$	—	$	21	$	—	$	—	$	—	$	21
Multi family	—		—		—		—		—		—		—		—		—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	—	$	—	$	—	$	—	$	21	$	—	$	—	$	—	$	21
Performing Loans	—		—		—		—		21		—		—		—		21
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Consumer	$	32,598	$	11,488	$	7,971	$	3,815	$	1,317	$	17,261	$	15,530	$	29	$	90,009
Performing Loans	32,561		11,472		7,971		3,802		1,317		17,212		15,529		29		89,893
Non-Performing Loans	37		16		—		13		—		49		1		—		116

Current period gross charge-offs	36		110		69		15		3		1,623		—		—		1,856

Total loans not subject to risk rating	$	227,231	$	379,101	$	729,306	$	500,846	$	283,159	$	455,486	$	514,795	$	13,987	$	3,103,911
Performing Loans	226,690		375,061		714,795		495,246		272,978		435,497		514,689		10,741		3,045,697
Non-Performing Loans	541		4,040		14,511		5,600		10,181		19,989		106		3,246		58,214

Current period gross charge-offs	36		127		594		50		113		1,798		—		—		2,718

Schedule of Related Party Loans

A summary of the changes in related party loans follows:


Loans at December 31, 2024	$	4,250
New loans and advances	5,262
Loans to directors assumed in acquisition	8,362
Payments received	(278)

Loans at December 31, 2025	$	17,596

Significant Accounting Policies (Policies)	12 Months Ended
Significant Accounting Policies (Policies)	Dec. 31, 2025
Accounting Policies [Abstract]
Use of Estimates	Use of Estimates: The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”) requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Material estimates that are particularly susceptible to change include the allowance for credit losses and the fair value of assets acquired and liabilities assumed as part of a business acquisition.
Consolidation	Consolidation: The accompanying Consolidated Financial Statements and these Notes to Consolidated Financial Statements include the accounts of the Company and its consolidated subsidiaries, all of which are wholly-owned, except for certain non-voting preferred equity issued by the Company’s real estate investment trust subsidiaries. All intercompany balances and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to the current year presentation. Reclassifications had no effect on prior years’ net income or shareholders’ equity.
Cash and Cash Equivalents	Cash and Cash Equivalents: The Company considers all highly liquid investments with a maturity of three months or less when purchased to be cash equivalents.
Securities	Securities: Debt securities are classified as held to maturity when purchased if management has the positive intent and ability to hold the securities to maturity. Held to maturity securities are stated at amortized cost. Presently, the Company has no intention of establishing a trading classification. Securities not classified as held to maturity or trading are classified as available for sale. Available for sale securities are stated at fair value, with the unrealized gains and losses, net of tax, reported in accumulated other comprehensive income within shareholders’ equity. The amortized cost of securities, regardless of classification, is adjusted for amortization of premiums and accretion of discounts using the effective interest method. Such amortization and accretion is included in interest income from securities, as is dividend income. Realized gains and losses on sales of securities and impairments are recorded in the line items “Net losses on sales of securities” and “Impairment losses on securities”, respectively, on the Consolidated Statements of Income. The cost of securities sold is based on the specific identification method. The Company evaluates its allowance for credit losses on the held to maturity investment portfolio on a quarterly basis. Expected credit losses on debt securities classified as held to maturity are measured on a collective basis by major security type. The estimates of expected credit losses are based on historical default rates, investment grades, current conditions, and reasonable and supportable forecasts about the future. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. All of the residential and commercial mortgage-backed securities recorded as held to maturity are guaranteed by U.S. Government agencies and government-sponsored entities. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The state and political subdivision securities are highly rated by major rating agencies. The Company also evaluates available for sale investment securities in an unrealized loss position on a quarterly basis. If the Company intends to sell the security or it is more likely than not that it will be required to sell before recovery, the entire unrealized loss is recorded as a loss within noninterest income in the Consolidated Statements of Income with a corresponding adjustment to the amortized cost basis of the security. If the Company does not intend to sell the security and it is not more likely than not that it will be required to sell the security before recovery of its amortized cost basis, the Company evaluates if any of the unrealized loss is related to a potential credit loss. The amount, if any, related to credit loss is recognized in earnings as a provision for credit loss and a corresponding allowance for credit losses is established; each is calculated as the difference between the estimate of discounted future cash flows and the amortized cost basis of the security. A number of qualitative and quantitative factors, including the financial condition of the underlying issuer, current and projected deferrals or defaults and credit ratings by nationally recognized statistical rating agencies are considered by management in the estimate of the discounted future cash flows. The remaining difference between the fair value and the amortized cost basis of the security is considered the amount related to other market factors and is recognized in other comprehensive income, net of applicable taxes. Recognition of interest is discontinued on debt securities that are transferred to nonaccrual status. A number of qualitative factors, including the financial condition of the underlying issuer and current and projected deferrals or defaults, are considered by management in the determination of whether the debt security should be transferred to nonaccrual status. The interest on nonaccrual investment securities is accounted for on the cash-basis method until the debt security qualifies for return to accrual status.
Securities Sold Under Agreements to Repurchase	Securities Sold Under Agreements to Repurchase: Securities sold under agreements to repurchase are accounted for as collateralized financing transactions and are recorded at the amounts at which the securities were sold plus accrued interest. Securities, generally U.S. government and agency securities, pledged as collateral under these financing arrangements cannot be sold or repledged by the secured party.
Loans Held for Sale	Loans Held for Sale: The “Loans held for sale” line item on the Company’s Consolidated Balance Sheets consists of residential mortgage loans held for sale. The Company has elected to carry these loans at fair value. Gains and losses are realized at the time consideration is received and all other criteria for sales treatment have been met. These realized and unrealized gains and losses are classified under the line item “Mortgage banking income” on the Consolidated Statements of Income. Factoring: The Company provides short-term financing to certain clients by operating as a factor. The Company purchases accounts receivable from its client and then generally collects the receivables directly from the client’s account customers. Cash is advanced to the Company’s client to the extent of the advance rate, less any applicable fees, set forth in the individual factoring agreement. The unadvanced portion of the purchased receivables are considered client reserves and may be used to settle payment disputes or collection shortfalls. Upon collection of the receivable and settlement of any client obligation, the client reserves are returned to the client. Factoring receivables, net of client reserves, are reported as “Loans” on the Consolidated Balance Sheets (this includes arrangements where the Company does not directly collect the receivables of the client’s account customers). Factoring fees are reported as interest income on loans while other fees generated from factoring relationships are reported as noninterest income on the Consolidated Statements of Income.
Loans and the Allowance for Credit Losses	Loans and the Allowance for Credit Losses: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their amortized cost or outstanding unpaid principal balances, in either case adjusted for charge-offs, the allowance for credit losses, any deferred fees or costs on originated loans and any purchase discounts or premiums on purchased loans. Renasant Bank defers certain nonrefundable loan origination fees as well as the direct costs of originating or acquiring loans. The deferred fees and costs are then amortized over the term of the note for all loans with payment schedules. Loans with no payment schedule are amortized using the straight-line method. The amortization of these deferred fees is presented as an adjustment to the yield on loans. Interest income is accrued on the unpaid principal balance. Certain modifications of loans made to borrowers experiencing financial difficulty in the form of principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay (including extension of the amortization period), or a term extension, excluding covenant waivers and modification of contingent acceleration clauses, are required to be disclosed in accordance with ASU 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” (“ASU 2022-02”). Upon the Company’s determination that a modification has been subsequently deemed uncollectible, the loan, or portion of the loan, is charged off, the amortized cost basis of the loan is reduced by the uncollectible amount, and the allowance for credit losses is adjusted accordingly. See Note 5, “Allowance for Credit Losses,” for more information on the allowance for credit losses. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Generally, the recognition of interest on mortgage and commercial and industrial loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Consumer and other retail loans are typically charged-off no later than the time the loan is 120 days past due. In all cases, loans are placed on nonaccrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful. Loans may be placed on nonaccrual regardless of whether or not such loans are considered past due. All interest accrued, but not collected, for loans that are placed on nonaccrual or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Because accrued interest receivable not expected to be collected is written off in a timely manner, the Company has made an accounting policy election to exclude accrued interest from the measurement of the allowance for credit losses. The allowance for credit losses is an estimate of expected losses inherent within the Company’s loans held for investment portfolio and is maintained at a level believed adequate by management to absorb credit losses inherent in such loan portfolio. Management evaluates the adequacy of the allowance for credit losses on a quarterly basis. Loan losses are charged against the allowance for credit losses when management confirms the uncollectability of a loan balance. Subsequent recoveries, if any, are credited to the allowance. The allowance for credit losses on loans held for investment, as reported in the Company’s Consolidated Balance Sheets, is then adjusted by a provision for credit losses, which is recorded in earnings. Expected credit loss inherent in non-cancellable off-balance-sheet credit exposures is accounted for as a separate liability in the Consolidated Balance Sheets. The credit loss estimation process involves procedures to appropriately consider the unique characteristics of the Company’s loan portfolio segments. Credit quality is assessed and monitored by evaluating various attributes, and the results of those evaluations are utilized in underwriting new loans and in the Company’s process for the estimation of expected credit losses. Credit quality monitoring procedures and indicators can include an assessment of critizied loans, the types of loans, historical loss experience, new lending products, emerging credit trends, changes in the size and character of loan categories and other factors, including the Company’s risk rating system, regulatory guidance and economic conditions, such as the unemployment rate and GDP growth in the markets in which the Company operates, as well as trends in the market values of underlying collateral securing loans, all as determined based on input from management, loan review staff and other sources. This evaluation is complex and inherently subjective, as it requires estimates by management that are inherently uncertain and therefore susceptible to significant revision as more information becomes available. Similarly, there may be significant changes in the allowance and provision for credit losses in future periods as the estimates and assumptions underlying such estimates are adjusted in light of then-prevailing factors and forecasts. Changes in any of the assumptions involved in the estimation process may result in significant changes in the allowance and provision for credit losses in those future periods. The methodology for estimating the amount of expected credit losses reported in the allowance for credit losses has two basic components: first, a collective (or pool) component for estimating expected credit losses for pools of loans that share similar risk characteristics; and second, an asset-specific component involving individual loans that do not share risk characteristics with other loans and the measurement of expected credit losses for such individual loans. The Company’s loans are segregated into loan portfolio segments based upon similarity of credit risk. The Company’s loan portfolio segments are as follows: Commercial and Industrial (“Commercial”) - Commercial loans are customarily granted to established local business customers in the Company’s market area on a collateralized basis to meet their credit needs. Maturities are typically short term in nature and are commensurate with the secondary source of repayment that serves as the Company’s collateral. Although commercial loans may be collateralized by equipment or other business assets, the repayment of this type of loan depends primarily on the creditworthiness and projected cash flow of the borrower (and any guarantors). Thus, the chief considerations when assessing the risk of a commercial loan are the local business borrower’s ability to sell its products/services, thereby generating sufficient operating revenue to repay the Company under the agreed upon terms and conditions, and the general business conditions of the local economy or other markets that the business serves. The Company’s factoring receivables are categorized as commercial loans; for these, the risk assessment considers the ability of the client’s account customer, rather than the client itself, to repay the Company. The Company’s lease financing receivables, which are granted to provide capital to businesses for commercial equipment needs, are also categorized as commercial loans; such loans are generally granted for periods ranging between two and five years at fixed rates of interest. Loss or decline of income by the borrower due to unplanned occurrences represents the primary risk of default to the Company from lease financing. In the event of default, a shortfall in the value of the collateral may pose a loss in this loan category. The Company obtains a lien against the collateral securing the loan and holds title (if applicable) until the loan is repaid in full. Transportation, manufacturing, healthcare, material handling, printing and construction are the industries that typically obtain lease financing. Construction and Land Development (“Construction”) - The Company’s construction loan portfolio consists of loans for the construction of single-family residential properties, multi-family properties and commercial projects. The Company also offers commercial real estate loans to developers of commercial properties for purposes of site acquisition and preparation and other development prior to actual construction (referred to as “commercial land development loans”); loans for the preparation of residential real property prior to construction are also included in this segment (referred to as “residential land development loans”). Maturities for construction loans generally range from six to 12 months for residential properties and from 24 to 36 months for non-residential and multi-family properties. The source of repayment of a construction loan comes from the sale or lease of newly-constructed property, although often construction loans are repaid with the proceeds of a commercial real estate loan that the Company makes to the owner or lessor of the newly-constructed property. Land development loans are dependent on the successful completion of the project and may be affected by adverse conditions in the real estate market or the economy as a whole. Real Estate - 1-4 Family Mortgage (“1-4 Family Mortgage”) - This segment of the Company’s loan portfolio includes loans secured by first or second liens on residential real estate in which the property is the principal residence of the borrower, as well as loans secured by residential real estate in which the property is rented to tenants or is otherwise not the principal residence of the borrower. In addition, this segment includes home equity loans or lines of credit and term loans secured by first and second mortgages on the residences of borrowers who elect to use the accumulated equity in their homes for purchases, refinances, home improvements, education and other personal expenditures. The Company attempts to minimize the risk associated with residential real estate loans by scrutinizing the financial condition of the borrower; typically, the maximum loan-to-value ratio is also limited. Commercial Real Estate - Owner Occupied (“Owner Occupied CRE”) - Included in this portfolio segment are loans in which the owner develops a property with the intention of locating its business there. Payments on these loans are dependent on the successful development and management of the business as well as the borrower’s ability to generate sufficient operating revenue to repay the loan. In some instances, in addition to the mortgage on the underlying real estate of the business, owner-occupied commercial real estate loans are secured by other non-real estate collateral, such as equipment or other assets used in the business. Commercial Real Estate - Non-Owner Occupied (“Non-Owner Occupied CRE”) - Included in this portfolio segment are loans in which the owner develops a property where the source of repayment of the loan will come from the sale or lease of the developed property, for example, retail shopping centers, hotels and storage facilities. Non-owner occupied commercial real estate loans are dependent on the successful completion of the project and may be affected by adverse conditions in the real estate market or the economy as a whole. Consumer - Consumer loans are granted to individuals for the purchase of personal goods. Loss or decline of income by the borrower due to unplanned occurrences represents the primary risk of default to the Company. In the event of default, a shortfall in the value of the collateral may pose a loss in this loan category. Before granting a consumer loan, the Company assesses the applicant’s credit history and ability to meet existing and proposed debt obligations. Although the applicant’s creditworthiness is the primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, to the proposed loan amount. The Company obtains a lien against the collateral securing the loan and holds title (if applicable) until the loan is repaid in full. Loans Evaluated on a Collective (Pool) Basis The allowance for credit losses for loans that share similar risk characteristics with other loans is calculated on a collective or pool basis. In determining the allowance for credit losses on loans evaluated on a collective basis, the Company categorizes loan pools based on loan type and/or risk rating. The Company uses two CECL models: (1) a loss rate model, based on average historical life-of-loan loss rates, which is used for the Construction, 1-4 Family Mortgage and Consumer loans portfolio segments, and (2) a probability of default/loss given default model, which calculates an expected loss percentage for each loan pool by considering (a) the probability of default, based on the migration of loans from performing (using risk ratings) to default using life-of-loan analysis periods, and (b) the historical severity of loss, based on the aggregate net lifetime losses incurred per loan pool, which is used for Commercial, Non-Owner Occupied CRE and Owner Occupied CRE portfolio segments. The historical loss rates calculated as described above are adjusted, as necessary, for both internal and external qualitative factors where there are differences in the historical loss data of the Company and current or projected future conditions. Internal factors include loss history, changes in credit quality (including movement between risk ratings) and/or credit concentration and changes in the nature and volume of the respective loan portfolio segments. External factors include current and reasonable and supportable forecasted economic conditions and changes in collateral values. These factors are used to adjust the historical loss rates (as described above) to ensure that they reflect management’s expectation of future conditions based on a reasonable and supportable forecast period of two years. To the extent the lives of the loans in the portfolio extend beyond the period for which a reasonable and supportable forecast can be made, when necessary, the models immediately revert to the historical loss rates adjusted for qualitative factors related to current conditions. Loans Evaluated on an Individual Basis For loans that do not share similar risk characteristics with other loans, an analysis of the loan is performed to determine the expected credit loss. If a respective loan is collateral dependent (that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral), the expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of collateral is initially based on external appraisals. Such values are updated every twelve months, either from external third parties or in-house certified appraisers. Third-party appraisals, when utilized, are obtained from a pre-approved list of independent, local appraisal firms. The fair value of the collateral derived from the external appraisal is then adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral. Other acceptable methods for determining the expected credit losses for individually evaluated loans (typically used when the loan is not collateral dependent) is a discounted cash flow approach or, if applicable, an observable market price. Once the expected credit loss amount is determined, an allowance equal to such expected credit loss is included in the allowance for credit losses. The Company maintains a separate allowance for credit losses on unfunded loan commitments, which is included in the “Other liabilities” line item on the Consolidated Balance Sheets. Changes in such allowance are recorded in the “Provision for (reversal of) credit losses on unfunded commitments” line item on the Consolidated Statements of Income. Management estimates the amount of expected losses on unfunded loan commitments by calculating a likelihood of funding over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the allowance for credit losses on loans methodology described above to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company.
Business Combinations, Accounting for Purchased Credit Deteriorated Loans and Related Assets	Business Combinations, Accounting for Purchased Credit Deteriorated Loans and Related Assets: Business combinations are accounted for by applying the acquisition method, where identifiable assets acquired and liabilities assumed and any non-controlling interest in the acquired company at the acquisition date are measured at their fair values as of that date and are recognized separately from goodwill. Results of operations of the acquired entities are included in the Consolidated Statements of Income from the date of acquisition. Acquisition costs incurred by the Company are expensed as incurred. For a purchased asset that the Company has the intent of holding for investment, the Company determines whether the asset has experienced more-than-insignificant deterioration in credit quality since origination. Factors used in the determination will vary but may include delinquency history, historical accrual status, and downgrades in the risk rating by the seller, among others. The Company’s review of an asset during its due diligence evaluation of the purchase may identify other unique attributes that would indicate that more-than-insignificant deterioration has occurred such as the borrower’s financial condition, credit rating or credit score as well as the value of underlying collateral. The Company analyzes these factors collectively and may also consider market conditions or economic factors that would indicate a purchased asset has experienced more-than-insignificant deterioration in credit quality since origination. Such assets that have experienced more-than-insignificant deterioration are referred to as purchased credit deteriorated (“PCD”) assets. For PCD loans, the initial estimate of expected credit losses is recognized in the allowance for credit losses on the date of acquisition. The initial amortized cost of PCD loans is determined by reducing the loans’ par value by the acquisition date estimate of expected credit losses with any difference between the resulting amount and the loans’ purchase price recorded as a non-credit-related discount. After initial recognition, the accounting for PCD assets will generally follow the credit loss model that applies to that type of asset. Non-PCD assets record the Day 1 allowance for credit losses through earnings on the date of purchase. The Company accretes or amortizes as interest income the fair value discounts on both PCD and non-PCD assets over the life of the asset.
Premises and Equipment	Premises and Equipment: Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily by use of the straight-line method, with annual provisions for depreciation computed primarily using estimated lives of 40 years for premises, three to seven years for furniture and equipment and three to five years for computer equipment and transportation equipment. Leasehold improvements are depreciated over the period of the leases or the estimated useful life of the improvements, whichever is shorter. Leases: The Company enters into both lessor and lessee arrangements and determines if an arrangement is a lease at inception. The Company elected the practical expedient to account for lease and non-lease components as a single lease component for all asset classes. All of the Company’s lessee arrangements are operating leases, being real estate leases for Company facilities. Under these arrangements, the Company records a lease liability for the present value of the future lease payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, lease incentives and any impairment of the right-of-use asset. The discount rate used in determining the lease liability is based upon the Company’s incremental borrowing rate, which is the rate of interest the Company would have to pay to borrow on a collateralized basis over a similar term in a similar environment. The Company recognizes a right-of-use asset and a lease liability for all leases with a term greater than 12 months on its balance sheet regardless of whether the lease is classified as financing or operating. The Company recognizes lease expense as incurred for leases with an initial term of less than 12 months. Right-of-use assets are reported in premises and equipment on the Consolidated Balance Sheets and the related lease liabilities are reported in other liabilities. Lease terms may contain renewal and extension options and early termination features. Many leases include one or more options to renew, with renewal terms that can extend the lease term from one to 20 years or more. The exercise of lease renewal options is at the Company’s sole discretion. Renewal options which are reasonably certain to be exercised in the future were included in the measurement of right-of-use assets and lease liabilities. Lease expense is recognized on a straight-line basis over the lease term and is recorded in the “Net occupancy and equipment expense” line item in the Consolidated Statements of Income. Variable lease payments consist primarily of common area maintenance, insurance and taxes. The Company does not have any material sublease agreements currently in place. The Company finances various types of equipment arrangements for customers through operating, direct financing and sales-type leases. Lease payment terms are fixed and are typically payable in monthly installments. The lease arrangements may contain renewal options and purchase options that allow the lessee to purchase the leased equipment at the end of the lease term. The leases generally do not contain non-lease components. Prior to lease inception, the Company estimates the expected residual value of the leased property at the end of the lease term by considering both internal and third-party appraisals. In order to mitigate potential exposure to residual asset risk, the Company utilizes first amendment or terminal rental adjustment clause leases. The net investment in these leases consists of the carrying amount of the lease receivables plus residual balances and deferred income. The Company’s net investment is included in “Loans held for investment, net of unearned income” on the Consolidated Balance Sheets. Lease income is included in interest income on loans on the Consolidated Statements of Income.
Other Real Estate Owned	Other Real Estate Owned: Other real estate owned (“OREO”) consists of properties acquired through foreclosure or acceptance of a deed in lieu of foreclosure. These properties are initially recorded into other real estate owned at fair value less cost to sell and are subsequently carried at the lower of cost or fair value based on updated appraised values less estimated selling costs. Losses arising at the time of foreclosure of properties are charged against the allowance for credit losses. Reductions in the carrying value subsequent to acquisition are charged to earnings and are included under the line item “Other real estate owned” on the Consolidated Statements of Income.
Mortgage Servicing Rights	Mortgage Servicing Rights: The Company retains the right to service certain mortgage loans that it sells to secondary market investors. These mortgage servicing rights are recognized as a separate asset on the date the corresponding mortgage loan is sold. Mortgage servicing rights are amortized in proportion to and over the period of estimated net servicing income. These servicing rights are carried at the lower of amortized cost or fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, prepayment speeds, market discount rates, servicing costs, mortgage interest rates and other factors. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized through a valuation allowance, to the extent that unamortized cost exceeds fair value. If the Company later determines that all or a portion of the impairment no longer exists, a reduction of the valuation allowance may be recorded as an increase to income. Changes in valuation allowances related to servicing rights are reported in the line item “Mortgage banking income” on the Consolidated Statements of Income. The fair value of servicing rights is subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets: Goodwill represents the excess of the cost of an acquisition over the fair value of the net assets acquired. Other intangible assets, consisting of core deposit intangibles and customer relationship intangibles, represent purchased assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights. Intangibles with finite lives are amortized over their estimated useful lives. Goodwill and other intangible assets are subject to impairment testing annually or more frequently if events or circumstances indicate possible impairment; if impaired, such assets are recorded at fair value. Goodwill is assigned to the Company’s reporting segments. In determining the fair value of the Company’s reporting units, management uses the market approach. Other intangible assets are reviewed for events or circumstances that could impact the recoverability of the intangible asset, such as a loss of core deposits, increased competition or adverse changes in the economy.
Bank-Owned Life Insurance	Bank-Owned Life Insurance: Bank-owned life insurance (“BOLI”) is an institutionally-priced insurance product that is specifically designed for purchase by insured depository institutions. The Company has purchased such insurance policies on certain employees, with Renasant Bank being listed as the primary beneficiary. The carrying value of BOLI is recorded at the cash surrender value of the policies, net of any applicable surrender charges. Changes in the value of the cash surrender value of the policies are reflected under the line item “BOLI income” on the Consolidated Statements of Income.
Revenue from Contracts with Customers	Revenue from Contracts with Customers: For revenue streams with customers recorded in non-interest income, costs that are incremental to obtaining a contract are capitalized. In the case of the Company, these costs include sales commissions for insurance, wealth management fees, and revenue from certain sales of OREO. Costs with an amortization period of one year or less are expensed as incurred. Service Charges on Deposit Accounts - Service charges on deposit accounts include maintenance fees on accounts, per item charges, account enhancement charges for additional packaged benefits and overdraft fees. The contracts with deposit account customers are day-to-day contracts and are considered to be terminable at will by either party. Therefore, the fees are all considered to be earned when charged and simultaneously collected. Fees and Commissions - Fees and commissions include fees related to deposit services, such as ATM fees and interchange fees on debit card transactions. These fees are earned at the point in time when the services are rendered, and therefore the related revenue is recognized as the Company’s performance obligation is satisfied. Insurance Commissions - Insurance commissions are earned when policies are placed by customers with the insurance carriers and are collected and recognized using two different methods: the agency bill method and the direct bill method. Prior to the sale of the Company’s insurance agency businesses in July 2024 (as to Renasant Insurance, Inc.) and December 2025 (as to Southwest Georgia Insurance Services, Inc.) each insurance agency, under the agency bill method, was responsible for billing the customers directly and then collecting and remitting the premiums to the insurance carriers. Agency bill revenue was recognized at the later of the invoice date or effective date of the policy. Under the direct bill method, premium billing and collections were handled by the insurance carriers, and a commission was then paid to the insurance agency. Direct bill revenue was recognized when the commission payment was received from the insurance carriers. The Company also earned contingency income that it recognized on a cash basis. Contingency income is a bonus received from the insurance underwriters based on commission income and claims experience on policies during the previous year. Increases and decreases in contingency income are reflective of corresponding increases and decreases in the amount of claims paid by insurance carriers. Wealth Management Revenue - Fees for managing trust accounts (inclusive of personal and corporate benefit accounts, IRAs, and custodial accounts) are based on the value of assets under management in the account, with the amount of the fee depending on the type of account. Revenue is recognized on a monthly basis, and there is little to no risk of a material reversal of revenue. Fees for other wealth management services, such as investment guidance relating to fixed and variable annuities, mutual funds, stocks and other investments, are recognized based on either trade activity, where fees are recognized at the time of the trade, or assets under management, where fees are recognized monthly, and there is little to no risk of material reversal of revenue. Sales of OREO - The Company continually markets the properties included in the OREO portfolio. The Company will at times, in the ordinary course of business, provide seller-financing on sales of OREO. In cases where a sale is seller-financed, the Company must ensure the commitment of both parties to perform their respective obligations and the collectability of the transaction price in order to properly recognize the revenue on the sale of OREO. This is accomplished through the Company’s loan underwriting process. In this process the Company considers factors such as the buyer’s initial equity in the property, the credit quality of the buyer, the financing terms of the loan and the cash flow from the property, if applicable. The revenue on the sale of OREO will be recognized on the closing date of the sale when the Company has transferred title to the buyer and obtained the right to receive payment for the property. In instances where sales are not seller-financed, the Company recognizes revenue on the closing date of the sale when the Company has obtained payment for the property and transferred title to the buyer.
Income Taxes	Income Taxes: Income taxes are accounted for under the asset and liability method. Under this method, deferred tax assets and liabilities are determined based on differences between financial reporting and tax bases of assets and liabilities and are measured using the enacted tax rates and laws that will be in effect when the differences are expected to reverse. It is the Company’s policy to recognize interest and penalties, if incurred, related to unrecognized tax benefits in income tax expense. The Company and its subsidiaries file a consolidated federal income tax return. Renasant Bank provides for income taxes on a separate-return basis and remits to the Company amounts determined to be currently payable. Deferred income taxes, included in “Other assets” on the Consolidated Balance Sheets, reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Realization of deferred tax assets is dependent upon the generation of a sufficient level of future taxable income and recoverable taxes paid in prior years. Although realization is not assured, management believes that the Company and its subsidiaries will realize a substantial majority of the deferred tax assets. When it is more likely than not that deferred tax assets will not be realized, a valuation allowance is established through a charge to income tax expense. The Company releases income tax effects from accumulated other comprehensive income when the related pre-tax amounts are reclassified to earnings.
Fair Value Measurements	Fair Value Measurements: Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants on the measurement date. The accounting guidance for fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels, including: - Level 1: Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access at the measurement date. - Level 2: Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. - Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the asset or liability. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models such as discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Classification in the hierarchy is based upon the lowest level of input that is significant to the fair value measurement of the asset or liability.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities: The Company utilizes derivative financial instruments as part of its ongoing efforts to manage its interest rate risk exposure as well as to meet the needs of its customers. Derivative financial instruments are included in the Consolidated Balance Sheets line item “Other assets” or “Other liabilities” at fair value. Cash flows related to derivative assets and liabilities are reported in the net change in other assets or liabilities as operating activities in the Consolidated Statements of Cash Flows. Cash flow hedges are utilized to mitigate the exposure to variability in expected future cash flows or other types of forecasted transactions. For the Company’s derivatives designated as cash flow hedges, changes in the fair value of cash flow hedges are, to the extent that the hedging relationship is effective, recorded as other comprehensive income and are subsequently recognized in earnings at the same time that the hedged item is recognized in earnings. Fair value hedges are utilized to mitigate the exposure to future interest rate risk. For the Company’s derivatives designated as fair value hedges, the gain or loss on the derivative instrument as well as the offsetting loss or gain on the hedged liability attributable to the hedged risk are recognized in current earnings. The gain or loss on the derivative instrument is presented on the same line item as the earnings effect of the hedged item. The Company also utilizes derivative instruments that are not designated as hedging instruments. The Company enters into interest rate cap and/or floor agreements with its customers and then enters into an offsetting derivative contract position with other financial institutions to mitigate the interest rate risk associated with these customer contracts. Because these derivative instruments are not designated as hedging instruments, changes in the fair value of the derivative instruments are recognized currently in earnings and are reflected under the line item “Interest income on loans” on the Consolidated Statements of Income. The Company enters into interest rate lock commitments on certain residential mortgage loans with its customers to mitigate the interest rate risk associated with the commitments to fund fixed-rate mortgage loans. Under such commitments, interest rates for a mortgage loan are typically locked in for up to 45 days with the customer. These interest rate lock commitments are recorded at fair value in the Company’s Consolidated Balance Sheets. Gains and losses arising from changes in the valuation of the commitments are recognized currently in earnings and are reflected under the line item “Mortgage banking income” on the Consolidated Statements of Income. The Company utilizes two methods to deliver mortgage loans to be sold to an investor. Under a “best efforts” sales agreement, the Company enters into a sales agreement with an investor in the secondary market to sell the loan when an interest rate lock commitment is entered into with a customer, as described above. Under a “best efforts” sales agreement, the Company is obligated to sell the mortgage loan to the investor only if the loan is closed and funded. Thus, the Company will not incur any liability to an investor if the mortgage loan commitment in the pipeline fails to close. Under a “mandatory delivery” sales agreement, the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price and delivery date. Penalties are paid to the investor should the Company fail to satisfy the contract. These types of mortgage loan commitments are recorded at fair value on the Company’s Consolidated Balance Sheets. Gains and losses arising from changes in the valuation of these commitments are recognized currently in earnings and are reflected under the line item “Mortgage banking income” on the Consolidated Statements of Income.
Treasury Stock	Treasury Stock: Treasury stock is recorded at cost. Shares held in treasury are authorized but unissued shares.
Retirement Plans	Retirement Plans: The Company sponsors a noncontributory pension plan and provides retiree medical benefits for certain employees. The Company’s independent actuary firm prepares actuarial valuations of pension cost and obligation, using assumptions and estimates. Expense related to the plans is included under the line item “Salaries and employee benefits” on the Consolidated Statements of Income. Actuarial gains and losses are recognized in accumulated other comprehensive income, net of tax, until they are amortized as a component of plan expense.
Stock-Based Compensation	Stock-Based Compensation: Compensation expense for option grants and restricted stock awards is determined based on the estimated fair value of the stock options and restricted stock on the applicable grant or award date and is recognized over the respective awards’ vesting period. The Company has elected to account for forfeitures in compensation cost when they occur. The Company utilizes the Black-Scholes model for determining fair value of stock options granted. Expense associated with the Company’s stock-based compensation is included under the line item “Salaries and employee benefits” on the Consolidated Statements of Income.
Earnings Per Common Share	Earnings Per Common Share: Basic net income per common share is calculated by dividing net income by the weighted-average number of common shares outstanding for the period. Diluted net income per common share reflects the pro forma dilution of shares outstanding, assuming nonvested restricted stock awards, whose vesting is subject to future service requirements, were outstanding common shares as of the awards’ respective grant dates, calculated in accordance with the treasury method (the Company had no stock options outstanding in 2025, 2024 or 2023). See Note 18, “Net Income Per Common Share,” for the reconciliation of the numerators and denominators of the basic and diluted earnings per share computations.
Impact of Recently-Issued Accounting Standards and Pronouncements	Impact of Recently-Issued Accounting Standards and Pronouncements: In December 2023, FASB issued Accounting Standards Update (“ASU”) 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” (“ASU 2023-09”), which requires disaggregated information about a reporting entity’s effective tax rate reconciliation as well as information on income taxes paid. Entities are also required to disclose income/(loss) from continuing operations before income tax expense/(benefit) disaggregated between domestic and foreign, as well as income tax expense/(benefit) from continuing operations disaggregated by federal, state and foreign. ASU 2023-09 was adopted on January 1, 2025 and such required disclosures have been incorporated herein on a prospective basis. The adoption of this ASU did not have a material impact on the Company’s financial statements beyond the additional required disclosures. In November 2024, FASB issued ASU 2024-03, “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses” (“ASU 2024-03”), which requires public business entities to provide additional disaggregated information about certain income statement expense captions in the notes to the financial statements. The standard requires disclosure of specified natural expense categories, such as employee compensation, depreciation, and intangible asset amortization, within relevant expense captions, as well as qualitative descriptions of other amounts not separately disaggregated. The guidance is intended to provide investors with more detailed information about the components of an entity’s expenses. ASU 2024-03 will be effective January 1, 2027, and is not expected to have an impact on the Company’s consolidated financial position or results of operations but will result in expanded disclosures. In November 2025, FASB issued ASU 2025-08, “Financial Instruments - Credit Losses (Topic 326): Purchased Loans” (“ASU 2025-08”), which amends the guidance on accounting for purchased loans under the current expected credit losses model. The amendments clarify and refine the measurement and recognition requirements for purchased financial assets with credit deterioration and other purchased loans, including guidance on determining the initial allowance for credit losses, the treatment of noncredit discounts and premiums, and subsequent measurement considerations. The standard is intended to improve consistency in practice and reduce complexity in applying the CECL model to purchased loan portfolios. ASU 2025-08 will be effective January 1, 2027, and shall be applied prospectively. The Company is currently evaluating the impact of this guidance on its consolidated financial statements and related disclosures, including the potential effects on the allowance for credit losses and net interest income. The actual impact will depend on the volume and characteristics of loan portfolios purchased after the effective date. In November 2025, FASB issued ASU 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements” (“ASU 2025-09”), which enables entities to apply hedge accounting to a greater number of highly effective economic hedges in the following areas: (1) similar risk assessment for cash flow hedges, (2) hedging forecasted interest payments on choose-your-rate debt instruments, (3) cash flow hedges of nonfinancial forecasted transactions, (4) net written options as hedging instruments, and (5) foreign-currency-denominated debt instrument as hedging instrument and hedged item (dual hedge). ASU 2025-09 will be effective January 1, 2028, and is not expected to have a material impact on the Company's consolidated financial position or results of operations, but it may affect the timing and presentation of gains and losses related to hedging activities and result in expanded disclosures. In December 2025, FASB issued ASU 2025-10, “Interim Reporting (Topic 270): Narrow-Scope Improvements” (“ASU 2025-10”), which clarifies current interim reporting requirements and the applicability of Topic 270 by providing a comprehensive list of interim disclosures required by GAAP. ASU 2025-10 will be effective January 1, 2028 and is not expected to have a significant impact on the Company’s consolidated financial position or results of operations, but it may result in expanded or condensed interim disclosures.

Employee Benefit and Deferred Compensation Plans - Narrative (Details)	12 Months Ended
	Dec. 31, 2025 USD ($) point plan shares	Dec. 31, 2024 USD ($) shares	Dec. 31, 2023 USD ($) shares	Dec. 31, 2007 officer	Dec. 31, 2021 shares
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Accumulated benefit obligation	$ 18,590,000	$ 18,685,000
Retiring age limit, minimum	55 years
Retiring age limit, maximum	65 years
Eligible employee from service (in years)	15 years
Number of points for eligibility (points) \| point	70
Minimum eligible age for medicare coverage	65 years
Health care cost trend rate	8.55%
Pension plan assets managed by park place capital (in percent)	15.00%
Redemption notice	60 days
Employee deferrals (in percent)	4.00%
Hours of service credited to the employees during the year	1000 hours
Profit-sharing contribution	$ 0
Employee deferrals amounts	$ 9,491,000	7,290,000	$ 6,757,000
Number of conventional deferred compensation plans \| plan	2
Company's deferred compensation plan expense	$ 2,189,000	2,270,000	2,210,000
Number of officers provided for \| officer				4
Expiration period subsequent to retirement				15 years
Supplemental executive retirement liabilities totaled	13,518,000	3,143,000
Incentive compensation plan expense	$ 11,655,000	$ 8,659,000	$ 10,303,000
Option expiration period	10 years
Granted (in shares) \| shares	0	0	0
Options outstanding (in shares) \| shares					0
Income tax benefit	$ 4,375,000	$ 3,138,000	$ 3,292,000
Common shares reserved for authorized under employee benefit plans (in shares) \| shares	5,382,500
Common shares reserved for issuance under employee benefit plans (in shares) \| shares	2,132,070
401(k) Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Common shares reserved for authorized under employee benefit plans (in shares) \| shares	2,200,000
Common shares reserved for issuance under employee benefit plans (in shares) \| shares	977,133
Deferred Stock Unit Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Common shares reserved for authorized under employee benefit plans (in shares) \| shares	467,500
Common shares reserved for issuance under employee benefit plans (in shares) \| shares	114,755
2020 Long-Term Incentive Compensation Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Common shares reserved for authorized under employee benefit plans (in shares) \| shares	2,715,000
Common shares reserved for issuance under employee benefit plans (in shares) \| shares	1,040,182
Performance- Based Restricted Stock
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Compensation expense	$ 17,723,000	13,562,000	13,458,000
Value of shares vested	15,454,000	11,715,000	9,716,000
Restricted Stock
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Unrecognized stock-based compensation expense	$ 19,345,000
Weighted average period over which unrecognized expense is expected to be recognized (in years)	2 years 21 days
Growth Investment
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Equity income strategy (in percent)	70.00%
Growth Investment \| Common Collective Trust
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Pension plan assets, investment in collective trust, percentage	85.00%
Growth Investment \| Real Estate
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Equity income strategy (in percent)	9.00%
Growth Investment \| Interest rate contracts
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Equity income strategy (in percent)	30.00%
Pension Benefits Renasant
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Company contribution to pension benefit plan	$ 0	0
Accumulated benefit obligation	18,590,000	18,685,000	20,195,000
Other Benefits
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Company contribution to pension benefit plan	0
Accumulated benefit obligation	279,000	$ 448,000	$ 512,000
Expected company contributions	$ 50,000

Leases - Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
Leases - Lease Cost (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Leases [Abstract]
Operating lease cost (cost resulting from lease payments)	$ 8,003	$ 6,705
Short-term lease cost	102	51
Variable lease cost (cost excluded from lease payments)	919	960
Sublease income	(1,652)	(639)
Net lease cost	7,372	7,077
Operating lease - operating cash flows (fixed payments)	7,643	6,714
Operating lease - operating cash flows (liability reduction)	$ 5,587	$ 4,943
Weighted average lease term - operating leases (in years) (at period end)	16 years 3 months 21 days	18 years 1 month 9 days
Weighted average discount rate - operating leases (at period end)	3.86%	3.55%
Right-of-use assets obtained in exchange for new lease liabilities - operating leases	$ 18,925	$ 4,630

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
Cybersecurity Risk Management and Strategy Disclosure	Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Risk Management and Strategy General. The Company’s information security program, including its processes with respect to cybersecurity, is focused on protecting our systems, networks and data from unauthorized access by a third party. Concerns about cybersecurity risks impact, at some level, every facet of the Company’s operations, from the way we structure the services we offer, to how we communicate with our customers, to our interactions with and training of employees, and to the expenditures we make when expanding and enhancing our technological infrastructure. We expect this continue to be the case as cybersecurity threats, and the means to respond to those threats, continue to evolve. The Company has adopted a defense-in-depth philosophy that relies on multiple systems and processes to reasonably provide for the confidentiality, integrity and availability of our systems, networks and data. Features of our information security include: •Documentation: We have written policies and procedures that delineate the roles and responsibilities of the Company’s Board of Directors, executive management and other employees, as well as outside parties, with respect to the various aspects of the information security program. This documentation helps to align the entire information security program with our efforts to maintain the integrity of the Company’s cybersecurity. These policies and procedures are reviewed and updated at least annually. •Separation of duties: Separation of duties means that, where appropriate, a task is designed to ensure that more than one person or group is responsible for its completion. We believe that separation of duties helps to prevent fraud, misuse or other security compromise, and we apply this concept when we delegate administrative and oversight responsibilities to multiple groups for certain aspects of the information security program, including identity and access management, network management, system administration, policy oversight, monitoring and alerting. •The principle of least privilege: Access approval for the Company’s employees is coordinated between an employee’s manager, the Company’s human resources department and the information systems administrator. The goal is to give an employee access rights to our data, applications and other information resources only to the extent necessary for the employee to perform the functions of the particular job. Any change in employment responsibilities that requires access changes is implemented using the same access approval procedures. Finally, all remote access into the Company’s networks must be approved by the Chief Information Security Officer (whom we refer to as the “CISO”). •Vulnerability and patch management: The Company’s vulnerability management program includes internal and external scanning using third-party tools and services. Software patches are deployed based on criticality of vulnerability. Further, we track our performance in implementing patches, and if implementation timing falls below performance expectations, management takes steps to identify and remediate the root causes of implementation delays. •Risk assessments: At least annually, management conducts risk assessments to assess the existence, severity and trends of cybersecurity risks and other risks that the Company’s information security program faces. The scope of an individual risk assessment can be the whole organization, parts of the organization, an individual information system, specific system components, or services. •Log management: System security logs are consolidated by the Company’s Security Incident and Event Management system and are reviewed via both automatic and manual processes for anomalous behavior. •Incident response: The incident response process is designed to, among other things, promptly elevate a cybersecurity threat or incident to the parties responsible for leading our efforts to identify, contain and mitigate the threat or incident, notify impacted customers or other third parties and comply with applicable law, regulations and regulatory expectations. •Employee training: Information security is an integral component of our employee training program. Training includes efforts to maintain security awareness among employees at all times by means of required company-wide communications of cybersecurity risks or incidents affecting third parties, internal testing and similar efforts. The information security program applies to all of the Company’s business lines and employees as well as to vendors and other third parties with access to the Company’s information systems or its confidential and proprietary information. Whenever we consider a new product or service to offer to our clients, a new means of offering or providing an existing product or service, or a new back-office process or procedure (each of which may involve the incorporation of AI technologies), the implications to the Company’s information security are required to be considered. The discussion below under the “Governance and Oversight” heading provides more details about how our efforts to address cybersecurity risks are incorporated into the Company’s overall enterprise risk management program. Our CISO, a Certified Information Systems Security Professional, leads the Company’s information security team, which has over 50 years’ combined experience in providing solutions to manage information security, compliance, privacy and technology management. The Board of Directors’ Technology Committee and its Enterprise Risk Management Committee (the “ERM Committee”) oversee our information security team, receiving regular updates related to the material features of the information security program, our success and failures in maintaining information security and emerging threats and management’s proposed response thereto. Strategy and Testing. As mentioned above, the Company employs a layered, defense-in-depth approach that leverages people, processes and technology to manage and maintain cybersecurity controls. We also employ a variety of preventative and detective tools to monitor, block and provide alerts regarding suspicious activity and to report on any suspected threats. These controls include appropriate access controls based on least privilege, multifactor authentication for remote and privilege access, and encryption to protect data. The information security program is designed to comply with applicable laws and regulations and is driven by industry standards for financial institutions, including guidance promulgated by the National Institute of Standards and Technology (“NIST”). We work closely with government and industry associations to stay abreast of developments and share best practices with respect to cybersecurity. The following paragraphs describe how we test, or otherwise obtain feedback about, the Company’s cybersecurity and other information security. The feedback we develop through testing and assessment, in addition to information about cybersecurity threats or incidents impacting other entities, is incorporated into the Company’s information security program to enhance our cybersecurity; in certain circumstances a new or emerging cybersecurity threat may require modifications to how we conduct business. The Company’s information security team utilizes the NIST Cybersecurity Framework to perform an annual maturity assessment of our information security program. The assessment provides a repeatable and measurable process for institutions to measure their cybersecurity preparedness over time. The assessment incorporates cybersecurity-related principles , including the Federal Financial Institutions Examination Council’s Information Technology Examination Handbook and regulatory guidance, and concepts from other industry standards. We also retain third parties to test the effectiveness of our cybersecurity efforts. Annually, we obtain independent third party assessments of the information security program, including program maturity and overall control effectiveness. In addition, multiple times over the course of each year we engage third party security firms to conduct both external and internal penetration tests. The goal of these assessments is to discover vulnerabilities in the Company’s in-scope corporate networks. When testing reveals potential vulnerabilities in the Company’s security, management works to develop appropriate mitigation plans to resolve any outstanding issues; we also consider other recommendations to enhance our cybersecurity that these security firms may offer, implementing those that management concludes are appropriate within the context of the Company’s information security program and processes. In addition to assessments and testing by third party security firms, our information security program and infrastructure is subject to continuous supervision by the Federal Reserve and the DBCF, including an annual in-depth examination by subject-matter experts from the Federal Reserve and DBCF. The laws and regulations that these regulators administer impose very high expectations on the Company with respect to its information security policies, procedures, processes and controls. In particular, the Interagency Guidelines Establishing Information Security Standards (the “Guidelines”) require us to implement a comprehensive written information security program that includes administrative, technical and physical safeguards designed to (1) ensure the security and confidentiality of customer information; (2) protect against any anticipated threats or hazards to the security or integrity of such information; (3) protect against unauthorized access to or use of such information that could result in substantial harm or inconvenience to any customer; and (4) ensure the proper disposal of customer information and consumer information. We also must comply with the information sharing requirements and restrictions enacted pursuant to the GLBA. The regulators’ continuous supervision of the Company is designed to ensure, among other things, that our information security program meets all the standards set forth in the Guidelines and that we operate in compliance with the GLBA and all other applicable information security laws and regulations. Finally, in addition to external scrutiny, our internal audit department reviews our compliance with the Guidelines, the GLBA and other laws and regulations, including those related to information security. If any of these examinations identify deficiencies or areas for improvement, the Company’s information security team works with management to act as promptly as reasonably possible to address the action item resulting from any such examination or review. Diligence of Vendors and Other Third Parties. As noted above, the Company’s information security program applies to our vendors and other third parties (referred to collectively as “vendors”) with access to our information systems and networks and/ or confidential and proprietary information. Before we grant access to the Company’s systems or a vendor otherwise obtains access to the Company’s confidential and proprietary information, our information security team assesses the vendor’s information security program (including its diligence with respect to the information security of vendors to such vendor). We review the vendor’s information security policy (to the extent the third party is willing to provide a copy of such policy), information security audits, service organization reports and similar information as well as examination reports of the vendor if available from the banking regulators or other governmental entities; the team also investigates the background, reputation and history of prior cybersecurity incidents of such vendor or other third party. If the information security team is not satisfied that the vendor’s information security infrastructure is adequate to reasonably protect the Company’s systems and confidential and proprietary information from unauthorized access, and there are no suitable solutions to address the information security team’s concerns, then we will not engage such vendor. The vendors we retain are also categorized by the level of risk that the vendor presents to us, of which information security risk is a component. The information security team works with our risk management services team to complete annual reviews of those vendors in the “Critical” or “Significant” categories and periodically reviews other vendors. This review includes obtaining updated information security audits and service organization reports, where available, mapping end user controls considerations to the Company’s existing internal control framework, and otherwise analyzing whether the vendor’s cybersecurity risk profile has materially changed. The information security team’s review process does not, and cannot, guarantee that a Company vendor will not suffer a cybersecurity incident that impacts us. Due to the possibility that a vendor’s information security may be breached, we also negotiate provisions in vendor contracts that address cybersecurity incidents. In addition to including provisions that address the parties’ relative responsibility for damages resulting from a cybersecurity incident at a vendor, these contracts also typically include provisions to ensure that the Company receives timely and complete notification of a cybersecurity incident and cooperation in responding thereto so that we can assess the extent of the incident’s impact on the Company’s systems or information, mitigate any adverse effects arising therefrom and comply with any customer or regulation notification requirements and other legal, regulator or contractual obligations. Incident Response. For those situations where a cybersecurity threat or incident arises, whether internal to the Company or relating to one of its vendors, we have also organized an incident response team. The incident response team includes representatives from the information technology, operations, risk management, legal (including securities law counsel), privacy and finance departments, among others. In addition to meeting quarterly, the incident response team (or a subset of the team) gathers whenever there is a potential or actual breach of the Company’s information security (whether involving an external actor or an internal party) to determine the nature and extent of the situation and, if appropriate, the steps to take in response thereto to protect the Company’s information security and mitigate any harm that has already occurred. The team is also responsible for ensuring the Company complies with legal and regulatory requirements (including notifying affected customers and regulators and making any filings required by the securities laws). The activities of our incident response team are reported to the Board’s Enterprise Risk Management Committee. The Company also maintains a cyber insurance policy that provides cyber liability coverage. Employee Training and Security Awareness. All employees are required to complete an annual security awareness training program. Courses within the training program include general cybersecurity best practices as well as a course specifically related to social engineering, email and social media security. The Company also conducts routine internally-focused exercises to help raise employee awareness of the risks associated with cybersecurity. For example, over the course of 2025, employees received at least one email per quarter designed to test employees’ ability to identify and avoid potential “phishing” emails, and those employees that fail this phishing test are assigned additional training. In addition, annually the Company’s incident response team engages in a cyber attack tabletop exercise designed by the Financial Services Information Sharing and Analysis Center that helps to train the incident response team in overcoming a simulated attack against Renasant’s payment systems and processes.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	The Company has adopted a defense-in-depth philosophy that relies on multiple systems and processes to reasonably provide for the confidentiality, integrity and availability of our systems, networks and data. Features of our information security include: •Documentation: We have written policies and procedures that delineate the roles and responsibilities of the Company’s Board of Directors, executive management and other employees, as well as outside parties, with respect to the various aspects of the information security program. This documentation helps to align the entire information security program with our efforts to maintain the integrity of the Company’s cybersecurity. These policies and procedures are reviewed and updated at least annually. •Separation of duties: Separation of duties means that, where appropriate, a task is designed to ensure that more than one person or group is responsible for its completion. We believe that separation of duties helps to prevent fraud, misuse or other security compromise, and we apply this concept when we delegate administrative and oversight responsibilities to multiple groups for certain aspects of the information security program, including identity and access management, network management, system administration, policy oversight, monitoring and alerting. •The principle of least privilege: Access approval for the Company’s employees is coordinated between an employee’s manager, the Company’s human resources department and the information systems administrator. The goal is to give an employee access rights to our data, applications and other information resources only to the extent necessary for the employee to perform the functions of the particular job. Any change in employment responsibilities that requires access changes is implemented using the same access approval procedures. Finally, all remote access into the Company’s networks must be approved by the Chief Information Security Officer (whom we refer to as the “CISO”). •Vulnerability and patch management: The Company’s vulnerability management program includes internal and external scanning using third-party tools and services. Software patches are deployed based on criticality of vulnerability. Further, we track our performance in implementing patches, and if implementation timing falls below performance expectations, management takes steps to identify and remediate the root causes of implementation delays. •Risk assessments: At least annually, management conducts risk assessments to assess the existence, severity and trends of cybersecurity risks and other risks that the Company’s information security program faces. The scope of an individual risk assessment can be the whole organization, parts of the organization, an individual information system, specific system components, or services. •Log management: System security logs are consolidated by the Company’s Security Incident and Event Management system and are reviewed via both automatic and manual processes for anomalous behavior. •Incident response: The incident response process is designed to, among other things, promptly elevate a cybersecurity threat or incident to the parties responsible for leading our efforts to identify, contain and mitigate the threat or incident, notify impacted customers or other third parties and comply with applicable law, regulations and regulatory expectations. •Employee training: Information security is an integral component of our employee training program. Training includes efforts to maintain security awareness among employees at all times by means of required company-wide communications of cybersecurity risks or incidents affecting third parties, internal testing and similar efforts. The information security program applies to all of the Company’s business lines and employees as well as to vendors and other third parties with access to the Company’s information systems or its confidential and proprietary information. Whenever we consider a new product or service to offer to our clients, a new means of offering or providing an existing product or service, or a new back-office process or procedure (each of which may involve the incorporation of AI technologies), the implications to the Company’s information security are required to be considered. The discussion below under the “Governance and Oversight” heading provides more details about how our efforts to address cybersecurity risks are incorporated into the Company’s overall enterprise risk management program.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	The Company’s Board of Directors primarily oversees the risks related to our technological infrastructure, information security, cybersecurity, business continuity and disaster recovery programs through its Technology Committee and the ERM Committee. These committees meet quarterly, and their activities are reported to the full Board of Directors.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Technology Committee is responsible for the oversight of Renasant’s strategies and operations with respect to information technology. Although this committee’s focus is broader than just information security and cybersecurity risk, at each meeting the CISO reports to the committee on, among other topics, the status of any cybersecurity and network security initiatives designed to enhance the Company’s cybersecurity, emerging cybersecurity risks that may not yet be addressed by the existing risk metrics and management’s plans to mitigate such risks, and employee training on cybersecurity and related issues.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	Board Oversight. The Company’s Board of Directors primarily oversees the risks related to our technological infrastructure, information security, cybersecurity, business continuity and disaster recovery programs through its Technology Committee and the ERM Committee. These committees meet quarterly, and their activities are reported to the full Board of Directors. The Technology Committee is responsible for the oversight of Renasant’s strategies and operations with respect to information technology. Although this committee’s focus is broader than just information security and cybersecurity risk, at each meeting the CISO reports to the committee on, among other topics, the status of any cybersecurity and network security initiatives designed to enhance the Company’s cybersecurity, emerging cybersecurity risks that may not yet be addressed by the existing risk metrics and management’s plans to mitigate such risks, and employee training on cybersecurity and related issues. The ERM Committee incorporates the assessment, monitoring and mitigation of cybersecurity risk into its monitoring of the Company’s broader enterprise risk management function. The Company tracks numerous risk metrics relating to cybersecurity, and at each meeting of the ERM Committee, the Chief Risk Officer reports on the status within established tolerances of each risk metric as well as the assessment of the metric’s trend of increasing or decreasing risk. These metric reports give the ERM Committee a broad view of the aggregate cybersecurity risk that the Company faces at any particular time, insight into any particular areas of risk as well as an opportunity for the ERM Committee to discuss with management the steps taken or to be taken to address risks that are out of tolerance or trending in that direction. In addition to this report, the CISO’s report to the Technology Committee described above is included in the materials for ERM Committee meetings. The chair of the Technology Committee is a member of the ERM Committee, enabling the chair to convey to the ERM Committee details of the discussions with respect to the CISO’s report as well as other matters related to our technological infrastructure and the impact thereof on matters within the ERM Committee’s focus. Finally, the CISO attends ERM Committee meetings, providing additional detail, and answering committee members’ questions, about the CISO’s report.
Cybersecurity Risk Role of Management [Text Block]	The Company takes a layered approach to the governance of its cybersecurity risk management. The first line of defense against cybersecurity risk is the company’s information security team, led by the CISO. This team is primarily responsible for promptly identifying cybersecurity risks associated with our existing and anticipated operations and, once identified, assessing the level that each cybersecurity risk poses to us, and then controlling or mitigating to the extent reasonably possible (in the context of the Company’s operations and resources, and competitive factors affecting how banks and other financial services companies conduct operations, among other things). The efforts of our information security team to address cybersecurity risk are reviewed by the Company’s Risk Department, which oversees our enterprise risk management program. The department focuses on the quality of the Company’s risk management process in order to manage risks within acceptable tolerance levels. As it pertains to cybersecurity risk, the Risk Department challenges the processes that the information security team has implemented to identify, assess, control and mitigate cybersecurity risk. The department collaborates with the CISO and other business unit owners impacted by our cybersecurity risk management practices to develop and monitor controls and other processes that mitigate identified risks. In addition, the Risk Department conducts independent risk evaluations related to cybersecurity risk. The primary means by which the Risk Department evaluates cybersecurity risk is the development, in conjunction with the information security team, of risk metrics related to cybersecurity as well as risk tolerances with respect to each such metric. Risk tolerances are set such that the overall cybersecurity risk presented to us is consistent with the risk appetite statement adopted by our Board annually. Management believes these metrics provide a holistic picture of the Company’s cybersecurity risk profile, but at the same time, we recognize that, given the continual evolution of cybersecurity risks, including the tools and vectors that bad actors take to compromise a company’s information security, our risk metrics cannot remain static. At least annually, the Risk Department meets with the CISO to assess whether the risk metrics, and the tolerances for each metric, remain appropriate in light of the Company’s operations and the cybersecurity threat environment. As the third line of defense against cybersecurity risk, our Internal Audit Department, with the assistance of outside experts, annually reviews and tests the Company’s processes, including its policies, procedures and controls, with respect to cybersecurity risk. The Internal Audit Department reports the results of its review, including the steps management intends to take to address any findings, to the Audit Committee of the Board of Directors. Finally, as a means to ensure that our senior executive management has an integrated understanding of the cybersecurity and other risks facing the Company at any particular time, we have organized a management Enterprise Risk and Compliance Committee (the “ERCC”). Our Chief Risk Officer leads this committee, whose membership includes our Chief Executive Officer and the leaders of our major business lines and back-office functions. Among other things, the ERCC reviews the Company’s cybersecurity and other risk metrics and the direction in which each risk is trending (increasing risk or decreasing risk), both in isolation and in the context of other existing and emerging risks facing the company, and the status of related risk mitigation. We believe that this committee helps management better focus its efforts on minimizing cybersecurity risk and that it assists in more focused reporting of cybersecurity risks to the Board of Directors.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	. The Company’s Board of Directors primarily oversees the risks related to our technological infrastructure, information security, cybersecurity, business continuity and disaster recovery programs through its Technology Committee and the ERM Committee. These committees meet quarterly, and their activities are reported to the full Board of Directors.The Technology Committee is responsible for the oversight of Renasant’s strategies and operations with respect to information technology. Although this committee’s focus is broader than just information security and cybersecurity risk, at each meeting the CISO reports to the committee on, among other topics, the status of any cybersecurity and network security initiatives designed to enhance the Company’s cybersecurity, emerging cybersecurity risks that may not yet be addressed by the existing risk metrics and management’s plans to mitigate such risks, and employee training on cybersecurity and related issues.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Our CISO, a Certified Information Systems Security Professional, leads the Company’s information security team, which has over 50 years’ combined experience in providing solutions to manage information security, compliance, privacy and technology management.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The Company’s Board of Directors primarily oversees the risks related to our technological infrastructure, information security, cybersecurity, business continuity and disaster recovery programs through its Technology Committee and the ERM Committee. These committees meet quarterly, and their activities are reported to the full Board of Directors. The Technology Committee is responsible for the oversight of Renasant’s strategies and operations with respect to information technology. Although this committee’s focus is broader than just information security and cybersecurity risk, at each meeting the CISO reports to the committee on, among other topics, the status of any cybersecurity and network security initiatives designed to enhance the Company’s cybersecurity, emerging cybersecurity risks that may not yet be addressed by the existing risk metrics and management’s plans to mitigate such risks, and employee training on cybersecurity and related issues. The ERM Committee incorporates the assessment, monitoring and mitigation of cybersecurity risk into its monitoring of the Company’s broader enterprise risk management function. The Company tracks numerous risk metrics relating to cybersecurity, and at each meeting of the ERM Committee, the Chief Risk Officer reports on the status within established tolerances of each risk metric as well as the assessment of the metric’s trend of increasing or decreasing risk. These metric reports give the ERM Committee a broad view of the aggregate cybersecurity risk that the Company faces at any particular time, insight into any particular areas of risk as well as an opportunity for the ERM Committee to discuss with management the steps taken or to be taken to address risks that are out of tolerance or trending in that direction. In addition to this report, the CISO’s report to the Technology Committee described above is included in the materials for ERM Committee meetings. The chair of the Technology Committee is a member of the ERM Committee, enabling the chair to convey to the ERM Committee details of the discussions with respect to the CISO’s report as well as other matters related to our technological infrastructure and the impact thereof on matters within the ERM Committee’s focus. Finally, the CISO attends ERM Committee meetings, providing additional detail, and answering committee members’ questions, about the CISO’s report.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Allowance for Credit Losses - Narrative (Details)	12 Months Ended
Allowance for Credit Losses - Narrative (Details)	Dec. 31, 2025
Receivables [Abstract]
Supportable period	2 years

Restrictions on Cash, Securities, Bank Dividends, Loans or Advances (Details)	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)	Mar. 26, 2020 USD ($)
Regulated Operations [Abstract]
Reserve requirements with federal reserve			$ 0
FHLB stock	$ 38,297,000	$ 15,209,000
FHLB required investment amount	$ 29,550,000	$ 11,044,000
Regulatory restrictions on payments of dividends, excess surplus ratio	10
Amount transferable loans maximum	$ 286,062,000
Line of credit collateralized by cash	3,000,000
Company borrowings	$ 0

Significant Accounting Policies	12 Months Ended
Significant Accounting Policies	Dec. 31, 2025
Accounting Policies [Abstract]
Significant Accounting Policies	Significant Accounting Policies (Dollar amounts in thousands) Nature of Operations: Renasant Corporation (referred to herein as the “Company”) owns and operates Renasant Bank (“Renasant Bank” or the “Bank”), Renasant Insurance, Inc., Park Place Capital Corporation, Continental Republic Capital, LLC (doing business as “Republic Business Credit”) and Southwest Georgia Insurance Services, Inc. On July 1, 2024, the Bank sold substantially all of the assets of Renasant Insurance, Inc., and on December 31, 2025, the Bank sold substantially all of the assets of Southwest Georgia Insurance Services, Inc. Following theses sales, the relevant entity discontinued its insurance agency operations. Through its subsidiaries, the Company offers a diversified range of financial, wealth management and fiduciary services to its retail and commercial customers from offices located throughout the Southeast, and the Company offers factoring and asset-based lending on a nationwide basis. Use of Estimates: The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”) requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Material estimates that are particularly susceptible to change include the allowance for credit losses and the fair value of assets acquired and liabilities assumed as part of a business acquisition. Consolidation: The accompanying Consolidated Financial Statements and these Notes to Consolidated Financial Statements include the accounts of the Company and its consolidated subsidiaries, all of which are wholly-owned, except for certain non-voting preferred equity issued by the Company’s real estate investment trust subsidiaries. All intercompany balances and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to the current year presentation. Reclassifications had no effect on prior years’ net income or shareholders’ equity. Cash and Cash Equivalents: The Company considers all highly liquid investments with a maturity of three months or less when purchased to be cash equivalents. Securities: Debt securities are classified as held to maturity when purchased if management has the positive intent and ability to hold the securities to maturity. Held to maturity securities are stated at amortized cost. Presently, the Company has no intention of establishing a trading classification. Securities not classified as held to maturity or trading are classified as available for sale. Available for sale securities are stated at fair value, with the unrealized gains and losses, net of tax, reported in accumulated other comprehensive income within shareholders’ equity. The amortized cost of securities, regardless of classification, is adjusted for amortization of premiums and accretion of discounts using the effective interest method. Such amortization and accretion is included in interest income from securities, as is dividend income. Realized gains and losses on sales of securities and impairments are recorded in the line items “Net losses on sales of securities” and “Impairment losses on securities”, respectively, on the Consolidated Statements of Income. The cost of securities sold is based on the specific identification method. The Company evaluates its allowance for credit losses on the held to maturity investment portfolio on a quarterly basis. Expected credit losses on debt securities classified as held to maturity are measured on a collective basis by major security type. The estimates of expected credit losses are based on historical default rates, investment grades, current conditions, and reasonable and supportable forecasts about the future. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. All of the residential and commercial mortgage-backed securities recorded as held to maturity are guaranteed by U.S. Government agencies and government-sponsored entities. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The state and political subdivision securities are highly rated by major rating agencies. The Company also evaluates available for sale investment securities in an unrealized loss position on a quarterly basis. If the Company intends to sell the security or it is more likely than not that it will be required to sell before recovery, the entire unrealized loss is recorded as a loss within noninterest income in the Consolidated Statements of Income with a corresponding adjustment to the amortized cost basis of the security. If the Company does not intend to sell the security and it is not more likely than not that it will be required to sell the security before recovery of its amortized cost basis, the Company evaluates if any of the unrealized loss is related to a potential credit loss. The amount, if any, related to credit loss is recognized in earnings as a provision for credit loss and a corresponding allowance for credit losses is established; each is calculated as the difference between the estimate of discounted future cash flows and the amortized cost basis of the security. A number of qualitative and quantitative factors, including the financial condition of the underlying issuer, current and projected deferrals or defaults and credit ratings by nationally recognized statistical rating agencies are considered by management in the estimate of the discounted future cash flows. The remaining difference between the fair value and the amortized cost basis of the security is considered the amount related to other market factors and is recognized in other comprehensive income, net of applicable taxes. Recognition of interest is discontinued on debt securities that are transferred to nonaccrual status. A number of qualitative factors, including the financial condition of the underlying issuer and current and projected deferrals or defaults, are considered by management in the determination of whether the debt security should be transferred to nonaccrual status. The interest on nonaccrual investment securities is accounted for on the cash-basis method until the debt security qualifies for return to accrual status. See Note 3, “Securities,” for further details regarding the Company’s securities portfolio. Securities Sold Under Agreements to Repurchase: Securities sold under agreements to repurchase are accounted for as collateralized financing transactions and are recorded at the amounts at which the securities were sold plus accrued interest. Securities, generally U.S. government and agency securities, pledged as collateral under these financing arrangements cannot be sold or repledged by the secured party. Loans Held for Sale: The “Loans held for sale” line item on the Company’s Consolidated Balance Sheets consists of residential mortgage loans held for sale. The Company has elected to carry these loans at fair value. Gains and losses are realized at the time consideration is received and all other criteria for sales treatment have been met. These realized and unrealized gains and losses are classified under the line item “Mortgage banking income” on the Consolidated Statements of Income. Factoring: The Company provides short-term financing to certain clients by operating as a factor. The Company purchases accounts receivable from its client and then generally collects the receivables directly from the client’s account customers. Cash is advanced to the Company’s client to the extent of the advance rate, less any applicable fees, set forth in the individual factoring agreement. The unadvanced portion of the purchased receivables are considered client reserves and may be used to settle payment disputes or collection shortfalls. Upon collection of the receivable and settlement of any client obligation, the client reserves are returned to the client. Factoring receivables, net of client reserves, are reported as “Loans” on the Consolidated Balance Sheets (this includes arrangements where the Company does not directly collect the receivables of the client’s account customers). Factoring fees are reported as interest income on loans while other fees generated from factoring relationships are reported as noninterest income on the Consolidated Statements of Income. Loans and the Allowance for Credit Losses: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their amortized cost or outstanding unpaid principal balances, in either case adjusted for charge-offs, the allowance for credit losses, any deferred fees or costs on originated loans and any purchase discounts or premiums on purchased loans. Renasant Bank defers certain nonrefundable loan origination fees as well as the direct costs of originating or acquiring loans. The deferred fees and costs are then amortized over the term of the note for all loans with payment schedules. Loans with no payment schedule are amortized using the straight-line method. The amortization of these deferred fees is presented as an adjustment to the yield on loans. Interest income is accrued on the unpaid principal balance. Certain modifications of loans made to borrowers experiencing financial difficulty in the form of principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay (including extension of the amortization period), or a term extension, excluding covenant waivers and modification of contingent acceleration clauses, are required to be disclosed in accordance with ASU 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” (“ASU 2022-02”). Upon the Company’s determination that a modification has been subsequently deemed uncollectible, the loan, or portion of the loan, is charged off, the amortized cost basis of the loan is reduced by the uncollectible amount, and the allowance for credit losses is adjusted accordingly. See Note 5, “Allowance for Credit Losses,” for more information on the allowance for credit losses. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Generally, the recognition of interest on mortgage and commercial and industrial loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Consumer and other retail loans are typically charged-off no later than the time the loan is 120 days past due. In all cases, loans are placed on nonaccrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful. Loans may be placed on nonaccrual regardless of whether or not such loans are considered past due. All interest accrued, but not collected, for loans that are placed on nonaccrual or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Because accrued interest receivable not expected to be collected is written off in a timely manner, the Company has made an accounting policy election to exclude accrued interest from the measurement of the allowance for credit losses. The allowance for credit losses is an estimate of expected losses inherent within the Company’s loans held for investment portfolio and is maintained at a level believed adequate by management to absorb credit losses inherent in such loan portfolio. Management evaluates the adequacy of the allowance for credit losses on a quarterly basis. Loan losses are charged against the allowance for credit losses when management confirms the uncollectability of a loan balance. Subsequent recoveries, if any, are credited to the allowance. The allowance for credit losses on loans held for investment, as reported in the Company’s Consolidated Balance Sheets, is then adjusted by a provision for credit losses, which is recorded in earnings. Expected credit loss inherent in non-cancellable off-balance-sheet credit exposures is accounted for as a separate liability in the Consolidated Balance Sheets. The credit loss estimation process involves procedures to appropriately consider the unique characteristics of the Company’s loan portfolio segments. Credit quality is assessed and monitored by evaluating various attributes, and the results of those evaluations are utilized in underwriting new loans and in the Company’s process for the estimation of expected credit losses. Credit quality monitoring procedures and indicators can include an assessment of critizied loans, the types of loans, historical loss experience, new lending products, emerging credit trends, changes in the size and character of loan categories and other factors, including the Company’s risk rating system, regulatory guidance and economic conditions, such as the unemployment rate and GDP growth in the markets in which the Company operates, as well as trends in the market values of underlying collateral securing loans, all as determined based on input from management, loan review staff and other sources. This evaluation is complex and inherently subjective, as it requires estimates by management that are inherently uncertain and therefore susceptible to significant revision as more information becomes available. Similarly, there may be significant changes in the allowance and provision for credit losses in future periods as the estimates and assumptions underlying such estimates are adjusted in light of then-prevailing factors and forecasts. Changes in any of the assumptions involved in the estimation process may result in significant changes in the allowance and provision for credit losses in those future periods. The methodology for estimating the amount of expected credit losses reported in the allowance for credit losses has two basic components: first, a collective (or pool) component for estimating expected credit losses for pools of loans that share similar risk characteristics; and second, an asset-specific component involving individual loans that do not share risk characteristics with other loans and the measurement of expected credit losses for such individual loans. The Company’s loans are segregated into loan portfolio segments based upon similarity of credit risk. The Company’s loan portfolio segments are as follows: Commercial and Industrial (“Commercial”) - Commercial loans are customarily granted to established local business customers in the Company’s market area on a collateralized basis to meet their credit needs. Maturities are typically short term in nature and are commensurate with the secondary source of repayment that serves as the Company’s collateral. Although commercial loans may be collateralized by equipment or other business assets, the repayment of this type of loan depends primarily on the creditworthiness and projected cash flow of the borrower (and any guarantors). Thus, the chief considerations when assessing the risk of a commercial loan are the local business borrower’s ability to sell its products/services, thereby generating sufficient operating revenue to repay the Company under the agreed upon terms and conditions, and the general business conditions of the local economy or other markets that the business serves. The Company’s factoring receivables are categorized as commercial loans; for these, the risk assessment considers the ability of the client’s account customer, rather than the client itself, to repay the Company. The Company’s lease financing receivables, which are granted to provide capital to businesses for commercial equipment needs, are also categorized as commercial loans; such loans are generally granted for periods ranging between two and five years at fixed rates of interest. Loss or decline of income by the borrower due to unplanned occurrences represents the primary risk of default to the Company from lease financing. In the event of default, a shortfall in the value of the collateral may pose a loss in this loan category. The Company obtains a lien against the collateral securing the loan and holds title (if applicable) until the loan is repaid in full. Transportation, manufacturing, healthcare, material handling, printing and construction are the industries that typically obtain lease financing. Construction and Land Development (“Construction”) - The Company’s construction loan portfolio consists of loans for the construction of single-family residential properties, multi-family properties and commercial projects. The Company also offers commercial real estate loans to developers of commercial properties for purposes of site acquisition and preparation and other development prior to actual construction (referred to as “commercial land development loans”); loans for the preparation of residential real property prior to construction are also included in this segment (referred to as “residential land development loans”). Maturities for construction loans generally range from six to 12 months for residential properties and from 24 to 36 months for non-residential and multi-family properties. The source of repayment of a construction loan comes from the sale or lease of newly-constructed property, although often construction loans are repaid with the proceeds of a commercial real estate loan that the Company makes to the owner or lessor of the newly-constructed property. Land development loans are dependent on the successful completion of the project and may be affected by adverse conditions in the real estate market or the economy as a whole. Real Estate - 1-4 Family Mortgage (“1-4 Family Mortgage”) - This segment of the Company’s loan portfolio includes loans secured by first or second liens on residential real estate in which the property is the principal residence of the borrower, as well as loans secured by residential real estate in which the property is rented to tenants or is otherwise not the principal residence of the borrower. In addition, this segment includes home equity loans or lines of credit and term loans secured by first and second mortgages on the residences of borrowers who elect to use the accumulated equity in their homes for purchases, refinances, home improvements, education and other personal expenditures. The Company attempts to minimize the risk associated with residential real estate loans by scrutinizing the financial condition of the borrower; typically, the maximum loan-to-value ratio is also limited. Commercial Real Estate - Owner Occupied (“Owner Occupied CRE”) - Included in this portfolio segment are loans in which the owner develops a property with the intention of locating its business there. Payments on these loans are dependent on the successful development and management of the business as well as the borrower’s ability to generate sufficient operating revenue to repay the loan. In some instances, in addition to the mortgage on the underlying real estate of the business, owner-occupied commercial real estate loans are secured by other non-real estate collateral, such as equipment or other assets used in the business. Commercial Real Estate - Non-Owner Occupied (“Non-Owner Occupied CRE”) - Included in this portfolio segment are loans in which the owner develops a property where the source of repayment of the loan will come from the sale or lease of the developed property, for example, retail shopping centers, hotels and storage facilities. Non-owner occupied commercial real estate loans are dependent on the successful completion of the project and may be affected by adverse conditions in the real estate market or the economy as a whole. Consumer - Consumer loans are granted to individuals for the purchase of personal goods. Loss or decline of income by the borrower due to unplanned occurrences represents the primary risk of default to the Company. In the event of default, a shortfall in the value of the collateral may pose a loss in this loan category. Before granting a consumer loan, the Company assesses the applicant’s credit history and ability to meet existing and proposed debt obligations. Although the applicant’s creditworthiness is the primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, to the proposed loan amount. The Company obtains a lien against the collateral securing the loan and holds title (if applicable) until the loan is repaid in full. Loans Evaluated on a Collective (Pool) Basis The allowance for credit losses for loans that share similar risk characteristics with other loans is calculated on a collective or pool basis. In determining the allowance for credit losses on loans evaluated on a collective basis, the Company categorizes loan pools based on loan type and/or risk rating. The Company uses two CECL models: (1) a loss rate model, based on average historical life-of-loan loss rates, which is used for the Construction, 1-4 Family Mortgage and Consumer loans portfolio segments, and (2) a probability of default/loss given default model, which calculates an expected loss percentage for each loan pool by considering (a) the probability of default, based on the migration of loans from performing (using risk ratings) to default using life-of-loan analysis periods, and (b) the historical severity of loss, based on the aggregate net lifetime losses incurred per loan pool, which is used for Commercial, Non-Owner Occupied CRE and Owner Occupied CRE portfolio segments. The historical loss rates calculated as described above are adjusted, as necessary, for both internal and external qualitative factors where there are differences in the historical loss data of the Company and current or projected future conditions. Internal factors include loss history, changes in credit quality (including movement between risk ratings) and/or credit concentration and changes in the nature and volume of the respective loan portfolio segments. External factors include current and reasonable and supportable forecasted economic conditions and changes in collateral values. These factors are used to adjust the historical loss rates (as described above) to ensure that they reflect management’s expectation of future conditions based on a reasonable and supportable forecast period of two years. To the extent the lives of the loans in the portfolio extend beyond the period for which a reasonable and supportable forecast can be made, when necessary, the models immediately revert to the historical loss rates adjusted for qualitative factors related to current conditions. Loans Evaluated on an Individual Basis For loans that do not share similar risk characteristics with other loans, an analysis of the loan is performed to determine the expected credit loss. If a respective loan is collateral dependent (that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral), the expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of collateral is initially based on external appraisals. Such values are updated every twelve months, either from external third parties or in-house certified appraisers. Third-party appraisals, when utilized, are obtained from a pre-approved list of independent, local appraisal firms. The fair value of the collateral derived from the external appraisal is then adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral. Other acceptable methods for determining the expected credit losses for individually evaluated loans (typically used when the loan is not collateral dependent) is a discounted cash flow approach or, if applicable, an observable market price. Once the expected credit loss amount is determined, an allowance equal to such expected credit loss is included in the allowance for credit losses. The Company maintains a separate allowance for credit losses on unfunded loan commitments, which is included in the “Other liabilities” line item on the Consolidated Balance Sheets. Changes in such allowance are recorded in the “Provision for (reversal of) credit losses on unfunded commitments” line item on the Consolidated Statements of Income. Management estimates the amount of expected losses on unfunded loan commitments by calculating a likelihood of funding over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the allowance for credit losses on loans methodology described above to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company. See Note 4, “Loans,” and Note 5, “Allowance for Credit Losses” for disclosures regarding the Company’s held for investment loan portfolio and the related allowance for credit losses. Business Combinations, Accounting for Purchased Credit Deteriorated Loans and Related Assets: Business combinations are accounted for by applying the acquisition method, where identifiable assets acquired and liabilities assumed and any non-controlling interest in the acquired company at the acquisition date are measured at their fair values as of that date and are recognized separately from goodwill. Results of operations of the acquired entities are included in the Consolidated Statements of Income from the date of acquisition. Acquisition costs incurred by the Company are expensed as incurred. For a purchased asset that the Company has the intent of holding for investment, the Company determines whether the asset has experienced more-than-insignificant deterioration in credit quality since origination. Factors used in the determination will vary but may include delinquency history, historical accrual status, and downgrades in the risk rating by the seller, among others. The Company’s review of an asset during its due diligence evaluation of the purchase may identify other unique attributes that would indicate that more-than-insignificant deterioration has occurred such as the borrower’s financial condition, credit rating or credit score as well as the value of underlying collateral. The Company analyzes these factors collectively and may also consider market conditions or economic factors that would indicate a purchased asset has experienced more-than-insignificant deterioration in credit quality since origination. Such assets that have experienced more-than-insignificant deterioration are referred to as purchased credit deteriorated (“PCD”) assets. For PCD loans, the initial estimate of expected credit losses is recognized in the allowance for credit losses on the date of acquisition. The initial amortized cost of PCD loans is determined by reducing the loans’ par value by the acquisition date estimate of expected credit losses with any difference between the resulting amount and the loans’ purchase price recorded as a non-credit-related discount. After initial recognition, the accounting for PCD assets will generally follow the credit loss model that applies to that type of asset. Non-PCD assets record the Day 1 allowance for credit losses through earnings on the date of purchase. The Company accretes or amortizes as interest income the fair value discounts on both PCD and non-PCD assets over the life of the asset. Premises and Equipment: Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily by use of the straight-line method, with annual provisions for depreciation computed primarily using estimated lives of 40 years for premises, three to seven years for furniture and equipment and three to five years for computer equipment and transportation equipment. Leasehold improvements are depreciated over the period of the leases or the estimated useful life of the improvements, whichever is shorter. Leases: The Company enters into both lessor and lessee arrangements and determines if an arrangement is a lease at inception. The Company elected the practical expedient to account for lease and non-lease components as a single lease component for all asset classes. All of the Company’s lessee arrangements are operating leases, being real estate leases for Company facilities. Under these arrangements, the Company records a lease liability for the present value of the future lease payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, lease incentives and any impairment of the right-of-use asset. The discount rate used in determining the lease liability is based upon the Company’s incremental borrowing rate, which is the rate of interest the Company would have to pay to borrow on a collateralized basis over a similar term in a similar environment. The Company recognizes a right-of-use asset and a lease liability for all leases with a term greater than 12 months on its balance sheet regardless of whether the lease is classified as financing or operating. The Company recognizes lease expense as incurred for leases with an initial term of less than 12 months. Right-of-use assets are reported in premises and equipment on the Consolidated Balance Sheets and the related lease liabilities are reported in other liabilities. Lease terms may contain renewal and extension options and early termination features. Many leases include one or more options to renew, with renewal terms that can extend the lease term from one to 20 years or more. The exercise of lease renewal options is at the Company’s sole discretion. Renewal options which are reasonably certain to be exercised in the future were included in the measurement of right-of-use assets and lease liabilities. Lease expense is recognized on a straight-line basis over the lease term and is recorded in the “Net occupancy and equipment expense” line item in the Consolidated Statements of Income. Variable lease payments consist primarily of common area maintenance, insurance and taxes. The Company does not have any material sublease agreements currently in place. The Company finances various types of equipment arrangements for customers through operating, direct financing and sales-type leases. Lease payment terms are fixed and are typically payable in monthly installments. The lease arrangements may contain renewal options and purchase options that allow the lessee to purchase the leased equipment at the end of the lease term. The leases generally do not contain non-lease components. Prior to lease inception, the Company estimates the expected residual value of the leased property at the end of the lease term by considering both internal and third-party appraisals. In order to mitigate potential exposure to residual asset risk, the Company utilizes first amendment or terminal rental adjustment clause leases. The net investment in these leases consists of the carrying amount of the lease receivables plus residual balances and deferred income. The Company’s net investment is included in “Loans held for investment, net of unearned income” on the Consolidated Balance Sheets. Lease income is included in interest income on loans on the Consolidated Statements of Income. Other Real Estate Owned: Other real estate owned (“OREO”) consists of properties acquired through foreclosure or acceptance of a deed in lieu of foreclosure. These properties are initially recorded into other real estate owned at fair value less cost to sell and are subsequently carried at the lower of cost or fair value based on updated appraised values less estimated selling costs. Losses arising at the time of foreclosure of properties are charged against the allowance for credit losses. Reductions in the carrying value subsequent to acquisition are charged to earnings and are included under the line item “Other real estate owned” on the Consolidated Statements of Income. Mortgage Servicing Rights: The Company retains the right to service certain mortgage loans that it sells to secondary market investors. These mortgage servicing rights are recognized as a separate asset on the date the corresponding mortgage loan is sold. Mortgage servicing rights are amortized in proportion to and over the period of estimated net servicing income. These servicing rights are carried at the lower of amortized cost or fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, prepayment speeds, market discount rates, servicing costs, mortgage interest rates and other factors. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized through a valuation allowance, to the extent that unamortized cost exceeds fair value. If the Company later determines that all or a portion of the impairment no longer exists, a reduction of the valuation allowance may be recorded as an increase to income. Changes in valuation allowances related to servicing rights are reported in the line item “Mortgage banking income” on the Consolidated Statements of Income. The fair value of servicing rights is subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. See Note 9, “Mortgage Servicing Rights,” for further details. From time to time, the Company may sell a portion or all of its mortgage servicing rights. Any gains or losses on such sales are reported in the line item “Mortgage banking income” on the Consolidated Statements of Income. Goodwill and Other Intangible Assets: Goodwill represents the excess of the cost of an acquisition over the fair value of the net assets acquired. Other intangible assets, consisting of core deposit intangibles and customer relationship intangibles, represent purchased assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights. Intangibles with finite lives are amortized over their estimated useful lives. Goodwill and other intangible assets are subject to impairment testing annually or more frequently if events or circumstances indicate possible impairment; if impaired, such assets are recorded at fair value. Goodwill is assigned to the Company’s reporting segments. In determining the fair value of the Company’s reporting units, management uses the market approach. Other intangible assets are reviewed for events or circumstances that could impact the recoverability of the intangible asset, such as a loss of core deposits, increased competition or adverse changes in the economy. Bank-Owned Life Insurance: Bank-owned life insurance (“BOLI”) is an institutionally-priced insurance product that is specifically designed for purchase by insured depository institutions. The Company has purchased such insurance policies on certain employees, with Renasant Bank being listed as the primary beneficiary. The carrying value of BOLI is recorded at the cash surrender value of the policies, net of any applicable surrender charges. Changes in the value of the cash surrender value of the policies are reflected under the line item “BOLI income” on the Consolidated Statements of Income. Revenue from Contracts with Customers: For revenue streams with customers recorded in non-interest income, costs that are incremental to obtaining a contract are capitalized. In the case of the Company, these costs include sales commissions for insurance, wealth management fees, and revenue from certain sales of OREO. Costs with an amortization period of one year or less are expensed as incurred. Service Charges on Deposit Accounts - Service charges on deposit accounts include maintenance fees on accounts, per item charges, account enhancement charges for additional packaged benefits and overdraft fees. The contracts with deposit account customers are day-to-day contracts and are considered to be terminable at will by either party. Therefore, the fees are all considered to be earned when charged and simultaneously collected. Fees and Commissions - Fees and commissions include fees related to deposit services, such as ATM fees and interchange fees on debit card transactions. These fees are earned at the point in time when the services are rendered, and therefore the related revenue is recognized as the Company’s performance obligation is satisfied. Insurance Commissions - Insurance commissions are earned when policies are placed by customers with the insurance carriers and are collected and recognized using two different methods: the agency bill method and the direct bill method. Prior to the sale of the Company’s insurance agency businesses in July 2024 (as to Renasant Insurance, Inc.) and December 2025 (as to Southwest Georgia Insurance Services, Inc.) each insurance agency, under the agency bill method, was responsible for billing the customers directly and then collecting and remitting the premiums to the insurance carriers. Agency bill revenue was recognized at the later of the invoice date or effective date of the policy. Under the direct bill method, premium billing and collections were handled by the insurance carriers, and a commission was then paid to the insurance agency. Direct bill revenue was recognized when the commission payment was received from the insurance carriers. The Company also earned contingency income that it recognized on a cash basis. Contingency income is a bonus received from the insurance underwriters based on commission income and claims experience on policies during the previous year. Increases and decreases in contingency income are reflective of corresponding increases and decreases in the amount of claims paid by insurance carriers. Wealth Management Revenue - Fees for managing trust accounts (inclusive of personal and corporate benefit accounts, IRAs, and custodial accounts) are based on the value of assets under management in the account, with the amount of the fee depending on the type of account. Revenue is recognized on a monthly basis, and there is little to no risk of a material reversal of revenue. Fees for other wealth management services, such as investment guidance relating to fixed and variable annuities, mutual funds, stocks and other investments, are recognized based on either trade activity, where fees are recognized at the time of the trade, or assets under management, where fees are recognized monthly, and there is little to no risk of material reversal of revenue. Sales of OREO - The Company continually markets the properties included in the OREO portfolio. The Company will at times, in the ordinary course of business, provide seller-financing on sales of OREO. In cases where a sale is seller-financed, the Company must ensure the commitment of both parties to perform their respective obligations and the collectability of the transaction price in order to properly recognize the revenue on the sale of OREO. This is accomplished through the Company’s loan underwriting process. In this process the Company considers factors such as the buyer’s initial equity in the property, the credit quality of the buyer, the financing terms of the loan and the cash flow from the property, if applicable. The revenue on the sale of OREO will be recognized on the closing date of the sale when the Company has transferred title to the buyer and obtained the right to receive payment for the property. In instances where sales are not seller-financed, the Company recognizes revenue on the closing date of the sale when the Company has obtained payment for the property and transferred title to the buyer. For additional information on OREO, please see Note 7, “Other Real Estate Owned.” Income Taxes: Income taxes are accounted for under the asset and liability method. Under this method, deferred tax assets and liabilities are determined based on differences between financial reporting and tax bases of assets and liabilities and are measured using the enacted tax rates and laws that will be in effect when the differences are expected to reverse. It is the Company’s policy to recognize interest and penalties, if incurred, related to unrecognized tax benefits in income tax expense. The Company and its subsidiaries file a consolidated federal income tax return. Renasant Bank provides for income taxes on a separate-return basis and remits to the Company amounts determined to be currently payable. Deferred income taxes, included in “Other assets” on the Consolidated Balance Sheets, reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Realization of deferred tax assets is dependent upon the generation of a sufficient level of future taxable income and recoverable taxes paid in prior years. Although realization is not assured, management believes that the Company and its subsidiaries will realize a substantial majority of the deferred tax assets. When it is more likely than not that deferred tax assets will not be realized, a valuation allowance is established through a charge to income tax expense. The Company releases income tax effects from accumulated other comprehensive income when the related pre-tax amounts are reclassified to earnings. Fair Value Measurements: Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants on the measurement date. The accounting guidance for fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels, including: - Level 1: Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access at the measurement date. - Level 2: Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. - Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the asset or liability. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models such as discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Classification in the hierarchy is based upon the lowest level of input that is significant to the fair value measurement of the asset or liability. See Note 16, “Fair Value Measurements,” for further details regarding the Company’s methods and assumptions used to estimate the fair values of the Company’s financial assets and liabilities. Derivative Instruments and Hedging Activities: The Company utilizes derivative financial instruments as part of its ongoing efforts to manage its interest rate risk exposure as well as to meet the needs of its customers. Derivative financial instruments are included in the Consolidated Balance Sheets line item “Other assets” or “Other liabilities” at fair value. Cash flows related to derivative assets and liabilities are reported in the net change in other assets or liabilities as operating activities in the Consolidated Statements of Cash Flows. Cash flow hedges are utilized to mitigate the exposure to variability in expected future cash flows or other types of forecasted transactions. For the Company’s derivatives designated as cash flow hedges, changes in the fair value of cash flow hedges are, to the extent that the hedging relationship is effective, recorded as other comprehensive income and are subsequently recognized in earnings at the same time that the hedged item is recognized in earnings. Fair value hedges are utilized to mitigate the exposure to future interest rate risk. For the Company’s derivatives designated as fair value hedges, the gain or loss on the derivative instrument as well as the offsetting loss or gain on the hedged liability attributable to the hedged risk are recognized in current earnings. The gain or loss on the derivative instrument is presented on the same line item as the earnings effect of the hedged item. The Company also utilizes derivative instruments that are not designated as hedging instruments. The Company enters into interest rate cap and/or floor agreements with its customers and then enters into an offsetting derivative contract position with other financial institutions to mitigate the interest rate risk associated with these customer contracts. Because these derivative instruments are not designated as hedging instruments, changes in the fair value of the derivative instruments are recognized currently in earnings and are reflected under the line item “Interest income on loans” on the Consolidated Statements of Income. The Company enters into interest rate lock commitments on certain residential mortgage loans with its customers to mitigate the interest rate risk associated with the commitments to fund fixed-rate mortgage loans. Under such commitments, interest rates for a mortgage loan are typically locked in for up to 45 days with the customer. These interest rate lock commitments are recorded at fair value in the Company’s Consolidated Balance Sheets. Gains and losses arising from changes in the valuation of the commitments are recognized currently in earnings and are reflected under the line item “Mortgage banking income” on the Consolidated Statements of Income. The Company utilizes two methods to deliver mortgage loans to be sold to an investor. Under a “best efforts” sales agreement, the Company enters into a sales agreement with an investor in the secondary market to sell the loan when an interest rate lock commitment is entered into with a customer, as described above. Under a “best efforts” sales agreement, the Company is obligated to sell the mortgage loan to the investor only if the loan is closed and funded. Thus, the Company will not incur any liability to an investor if the mortgage loan commitment in the pipeline fails to close. Under a “mandatory delivery” sales agreement, the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price and delivery date. Penalties are paid to the investor should the Company fail to satisfy the contract. These types of mortgage loan commitments are recorded at fair value on the Company’s Consolidated Balance Sheets. Gains and losses arising from changes in the valuation of these commitments are recognized currently in earnings and are reflected under the line item “Mortgage banking income” on the Consolidated Statements of Income. Treasury Stock: Treasury stock is recorded at cost. Shares held in treasury are authorized but unissued shares. Retirement Plans: The Company sponsors a noncontributory pension plan and provides retiree medical benefits for certain employees. The Company’s independent actuary firm prepares actuarial valuations of pension cost and obligation, using assumptions and estimates. Expense related to the plans is included under the line item “Salaries and employee benefits” on the Consolidated Statements of Income. Actuarial gains and losses are recognized in accumulated other comprehensive income, net of tax, until they are amortized as a component of plan expense. See Note 13, “Employee Benefit and Deferred Compensation Plans,” for further details regarding the Company’s retirement plans. Stock-Based Compensation: Compensation expense for option grants and restricted stock awards is determined based on the estimated fair value of the stock options and restricted stock on the applicable grant or award date and is recognized over the respective awards’ vesting period. The Company has elected to account for forfeitures in compensation cost when they occur. The Company utilizes the Black-Scholes model for determining fair value of stock options granted. Expense associated with the Company’s stock-based compensation is included under the line item “Salaries and employee benefits” on the Consolidated Statements of Income. See Note 13, “Employee Benefit and Deferred Compensation Plans,” for further details regarding the Company’s stock-based compensation. Earnings Per Common Share: Basic net income per common share is calculated by dividing net income by the weighted-average number of common shares outstanding for the period. Diluted net income per common share reflects the pro forma dilution of shares outstanding, assuming nonvested restricted stock awards, whose vesting is subject to future service requirements, were outstanding common shares as of the awards’ respective grant dates, calculated in accordance with the treasury method (the Company had no stock options outstanding in 2025, 2024 or 2023). See Note 18, “Net Income Per Common Share,” for the reconciliation of the numerators and denominators of the basic and diluted earnings per share computations. Impact of Recently-Issued Accounting Standards and Pronouncements: In December 2023, FASB issued Accounting Standards Update (“ASU”) 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” (“ASU 2023-09”), which requires disaggregated information about a reporting entity’s effective tax rate reconciliation as well as information on income taxes paid. Entities are also required to disclose income/(loss) from continuing operations before income tax expense/(benefit) disaggregated between domestic and foreign, as well as income tax expense/(benefit) from continuing operations disaggregated by federal, state and foreign. ASU 2023-09 was adopted on January 1, 2025 and such required disclosures have been incorporated herein on a prospective basis. The adoption of this ASU did not have a material impact on the Company’s financial statements beyond the additional required disclosures. In November 2024, FASB issued ASU 2024-03, “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses” (“ASU 2024-03”), which requires public business entities to provide additional disaggregated information about certain income statement expense captions in the notes to the financial statements. The standard requires disclosure of specified natural expense categories, such as employee compensation, depreciation, and intangible asset amortization, within relevant expense captions, as well as qualitative descriptions of other amounts not separately disaggregated. The guidance is intended to provide investors with more detailed information about the components of an entity’s expenses. ASU 2024-03 will be effective January 1, 2027, and is not expected to have an impact on the Company’s consolidated financial position or results of operations but will result in expanded disclosures. In November 2025, FASB issued ASU 2025-08, “Financial Instruments - Credit Losses (Topic 326): Purchased Loans” (“ASU 2025-08”), which amends the guidance on accounting for purchased loans under the current expected credit losses model. The amendments clarify and refine the measurement and recognition requirements for purchased financial assets with credit deterioration and other purchased loans, including guidance on determining the initial allowance for credit losses, the treatment of noncredit discounts and premiums, and subsequent measurement considerations. The standard is intended to improve consistency in practice and reduce complexity in applying the CECL model to purchased loan portfolios. ASU 2025-08 will be effective January 1, 2027, and shall be applied prospectively. The Company is currently evaluating the impact of this guidance on its consolidated financial statements and related disclosures, including the potential effects on the allowance for credit losses and net interest income. The actual impact will depend on the volume and characteristics of loan portfolios purchased after the effective date. In November 2025, FASB issued ASU 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements” (“ASU 2025-09”), which enables entities to apply hedge accounting to a greater number of highly effective economic hedges in the following areas: (1) similar risk assessment for cash flow hedges, (2) hedging forecasted interest payments on choose-your-rate debt instruments, (3) cash flow hedges of nonfinancial forecasted transactions, (4) net written options as hedging instruments, and (5) foreign-currency-denominated debt instrument as hedging instrument and hedged item (dual hedge). ASU 2025-09 will be effective January 1, 2028, and is not expected to have a material impact on the Company's consolidated financial position or results of operations, but it may affect the timing and presentation of gains and losses related to hedging activities and result in expanded disclosures. In December 2025, FASB issued ASU 2025-10, “Interim Reporting (Topic 270): Narrow-Scope Improvements” (“ASU 2025-10”), which clarifies current interim reporting requirements and the applicability of Topic 270 by providing a comprehensive list of interim disclosures required by GAAP. ASU 2025-10 will be effective January 1, 2028 and is not expected to have a significant impact on the Company’s consolidated financial position or results of operations, but it may result in expanded or condensed interim disclosures.

Renasant Corporation (Parent Company Only) Condensed Financial Information

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

Renasant Corporation (Parent Company Only) Condensed Financial Information

(In Thousands)

Balance Sheets


	December 31,
	2025		2024
Assets
Cash and cash equivalents	$	303,387	$	405,782


Investment in subsidiaries	4,050,288		2,694,503
Accrued interest receivable on bank balances	2		27

Other assets	49,344		30,726
Total assets	$	4,403,021	$	3,131,038
Liabilities and shareholders’ equity
Junior subordinated debentures	$	140,632	$	113,916
Subordinated notes	359,123		316,698


Other liabilities	18,361		22,106
Shareholders’ equity	3,884,905		2,678,318
Total liabilities and shareholders’ equity	$	4,403,021	$	3,131,038

Statements of Income


	Year Ended December 31,
	2025		2024		2023
Income
Dividends from subsidiaries	$	101,764	$	75,907	$	72,042
Interest income from subsidiaries	14		39		28
Other dividends	278		270		260
Other income	236		354		919
Total income	102,292		76,570		73,249
Expenses	34,729		30,768		30,544
Income before income tax benefit and equity in undistributed net income of bank subsidiary	67,563		45,802		42,705
Income tax benefit	(8,701)		(7,842)		(7,577)
Equity in undistributed net income of subsidiaries	105,008		141,813		94,396
Net income	$	181,272	$	195,457	$	144,678

Statements of Cash Flows


	Year Ended December 31,
	2025		2024		2023
Operating activities
Net income	$	181,272	$	195,457	$	144,678
Adjustments to reconcile net income to net cash provided by operating activities:

Equity in undistributed net income of subsidiaries	(105,008)		(141,813)		(94,396)
Amortization/depreciation	1,693		1,425		1,770
(Decrease) increase in other assets	(17,786)		6,540		(8,824)
(Decrease) increase in other liabilities	(46,511)		11,303		8,921
Net cash provided by operating activities	13,660		72,912		52,149
Investing activities



Net cash paid in acquisition	(24,115)		—		—

Net cash provided by investing activities	(24,115)		—		—
Financing activities
Cash paid for dividends	(78,604)		(53,727)		(50,279)


Repurchase of shares in connection with stock repurchase program	(13,336)		—		—



Proceeds from equity offering	—		217,000		—

Net cash (used in) provided by financing activities	(91,940)		163,273		(50,279)
(Decrease) increase in cash and cash equivalents	(102,395)		236,185		1,870
Cash and cash equivalents at beginning of year	405,782		169,597		167,727
Cash and cash equivalents at end of year	$	303,387	$	405,782	$	169,597

Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Roll Forward of the Allowance for Loan Losses


	Commercial and industrial		Construction and land development		Real Estate - 1-4 Family Mortgage		Commercial real estate - owner occupied		Commercial real estate - non-owner occupied		Consumer		Total
Year Ended December 31, 2025
Allowance for credit losses on loans:
Beginning balance	$	41,864	$	19,200	$	45,498	$	16,993	$	71,664	$	6,537	$	201,756
Impact of PCD loans acquired during the period	8,997		2,185		708		4,290		8,823		—		25,003
Charge-offs	(19,527)		(374)		(1,457)		(5,717)		(160)		(1,524)		(28,759)
Recoveries	2,047		10		221		448		204		452		3,382
Net charge-offs	(17,480)		(364)		(1,236)		(5,269)		44		(1,072)		(25,377)
Provision for (reversal of) credit losses on loans	24,450		10,338		16,279		22,947		19,074		(515)		92,573
Ending balance	$	57,831	$	31,359	$	61,249	$	38,961	$	99,605	$	4,950	$	293,955

Nonaccruing loans with no allowance for credit losses	$	22,985	$	6,718	$	2,386	$	8,097	$	10,646	$	—	$	50,832


	Commercial and industrial		Construction and land development		Real Estate - 1-4 Family Mortgage		Commercial real estate - owner occupied		Commercial real estate - non-owner occupied		Consumer		Total
Year Ended December 31, 2024
Allowance for credit losses on loans:
Beginning balance	$	46,418	$	23,328	$	45,046	$	15,192	$	59,474	$	9,120	$	198,578
Impact of PCD loans acquired during the period	—		—		—		—		—		—		—
Charge-offs	(5,105)		(152)		(966)		(37)		(5,693)		(1,856)		(13,809)
Recoveries	1,745		—		165		112		2,166		1,551		5,739
Net charge-offs	(3,360)		(152)		(801)		75		(3,527)		(305)		(8,070)
(Reversal of) provision for credit losses on loans	(1,194)		(3,976)		1,253		1,726		15,717		(2,278)		11,248
Ending balance	$	41,864	$	19,200	$	45,498	$	16,993	$	71,664	$	6,537	$	201,756

Nonaccruing loans with no allowance for credit losses	$	735	$	3,257	$	6,298	$	3,194	$	8,555	$	—	$	22,039

Scheduled Of Collateral Dependent Loans Type of Collateral and Allowance For Credit Losses

The following tables present collateral dependent loans by loan portfolio segment and by type of collateral along with the related allowance for credit losses:


	Collateral Type
	Real Estate		Other		Total		Allowance
December 31, 2025
Commercial and industrial	$	—	$	46,860	$	46,860	$	4,502
Construction and land development
Residential	2,033		—		2,033		—
Other	10,575		—		10,575		1,887
Total construction and land development	12,608		—		12,608		1,887
Real estate - 1-4 family mortgage
First lien	3,263		—		3,263		116
Junior lien	—		—		—		—
Home equity	500		—		500		—
Total real estate – 1-4 family mortgage	3,763		—		3,763		116
Commercial real estate - owner occupied	21,165		—		21,165		3,661
Commercial real estate - non-owner occupied
Multi family	—		—		—		—
Other	48,049		—		48,049		10,999
Total commercial real estate - non-owner occupied	48,049		—		48,049		10,999
Consumer	—		270		270		270
Loans, net of unearned income	$	85,585	$	47,130	$	132,715	$	21,435


	Collateral Type
	Real Estate		Other		Total		Allowance
December 31, 2024
Commercial and industrial	$	—	$	13,794	$	13,794	$	5,160
Construction and land development
Residential	241		—		241		—
Other	3,016		—		3,016		—
Total construction and land development	3,257		—		3,257		—
Real estate - 1-4 family mortgage
First lien	6,298		—		6,298		—
Junior lien	—		—		—		—
Home equity	278		—		278		—
Total real estate – 1-4 family mortgage	6,576		—		6,576		—
Commercial real estate - owner occupied	13,891		—		13,891		4,063
Commercial real estate - non-owner occupied
Multi family	—		—		—		—
Other	28,275		—		28,275		5,559
Total commercial real estate - non-owner occupied	28,275		—		28,275		5,559
Consumer	—		270		270		270
Loans, net of unearned income	$	51,999	$	14,064	$	66,063	$	15,052

Schedule of Unfunded Loan Commitments, Allowance for Credit Losses


	Year Ended
	2025		2024
Allowance for credit losses on unfunded loan commitments:
Beginning balance	$	14,943	$	16,918
Provision for (reversal of) credit losses on unfunded loan commitments	14,884		(1,975)
Ending balance	$	29,827	$	14,943

Fair Value Measurements - Schedule of Measurement Inputs (Details) - Level 3 $ in Thousands	Dec. 31, 2025 USD ($)
Collateral dependent loans, net of allowance for credit losses
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair Value	$ 87,680
OREO
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair Value	$ 3,538
Measurement input, price volatility \| Maximum \| Collateral dependent loans, net of allowance for credit losses
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Debt instrument, measurement input range	0.10
Measurement input, price volatility \| Maximum \| OREO
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
OREO, measurement input range	0.10

Deposit (Tables)

12 Months Ended

Dec. 31, 2025

Mortgage Banking [Abstract]

Schedule of Deposits

The following is a summary of deposits as of December 31:


	2025		2024
Noninterest-bearing deposits	$	5,043,960	$	3,403,981
Interest-bearing demand deposits(1)	11,665,185		7,879,917
Savings deposits	1,280,031		809,430
Time deposits	3,483,894		2,479,284
Total deposits	$	21,473,070	$	14,572,612

(1)Interest-bearing demand deposits include interest-bearing transactional accounts and money market deposits.

Schedule of Maturities Time Deposits, Including Brokered Deposits

The approximate scheduled maturities of time deposits at December 31, 2025 are as follows:


2026	$	3,317,995
2027	94,851
2028	34,418
2029	12,433
2030	10,983
Thereafter	13,214
Total	$	3,483,894

Restrictions on Cash, Securities, Bank Dividends, Loans or Advances	12 Months Ended
	Dec. 31, 2025
Regulated Operations [Abstract]
Restrictions on Cash, Securities, Bank Dividends, Loans or Advances	Restrictions on Cash, Securities, Bank Dividends, Loans or Advances (In Thousands) In March 2020, the Federal Reserve announced that effective March 26, 2020 the reserve requirement would be reduced to zero to support the flow of credit to households and businesses in response to the economic environment caused by the COVID-19 pandemic. The reserve requirement has remained at zero since that time. The Company’s balance of FHLB stock, which is carried at amortized cost, at December 31, 2025 and 2024, was $38,297 and $15,209, respectively. The required investment for the same time period was $29,550 and $11,044, respectively. The Company’s ability to pay dividends to its shareholders is substantially dependent on the ability of Renasant Bank to transfer funds to the Company in the form of dividends, loans and advances. The approval of the Mississippi Department of Banking and Consumer Finance (the “DBCF”) is required prior to the Bank paying dividends to the Company, and under certain circumstances the Federal Reserve approval may also be required. Under Mississippi law, a Mississippi bank may not pay dividends unless its earned surplus is in excess of three times capital stock. A Mississippi bank with earned surplus in excess of three times capital stock may pay a dividend, subject to the approval of the DBCF. In addition, Federal Reserve regulations prohibit a member bank from paying a dividend without prior approval from the Federal Reserve if either (1) the total of all dividends declared during the calendar year, including the proposed dividend, exceeds the sum of the bank’s net income for the current year plus its retained net income of the prior two calendar years or (2) the dividend would exceed the bank’s undivided profits as reportable on its Reports of Condition and Income. In this latter scenario, Federal Reserve regulations also require that at least two-thirds of the bank’s shareholders approve the proposed dividend. Accordingly, the approval of the DBCF is required prior to the Bank paying dividends to the Company, and under certain circumstances Federal Reserve approval may also be required. At December 31, 2025, the Bank’s earned surplus exceeded the Bank’s capital stock by more than ten times. In addition to the Federal Reserve and DBCF restrictions on dividends payable by the Bank to the Company, the Federal Reserve has provided guidance on the criteria that it will use to evaluate the request by a bank holding company to pay dividends in an aggregate amount that will exceed the company’s earnings for the period in which the dividends will be paid. For purposes of this analysis, “dividend” includes not only dividends on preferred and common equity but also dividends on debt underlying trust preferred securities and Tier 1 capital instruments. The Federal Reserve’s criteria evaluates whether the holding company (1) has net income over the past four quarters sufficient to fully fund the proposed dividend (taking into account prior dividends paid during this period), (2) is considering stock repurchases or redemptions in the quarter, (3) does not have a concentration in commercial real estate and (4) is in good supervisory condition, based on its overall condition and its asset quality risk. A holding company not meeting these criteria will require more in-depth consultations with the Federal Reserve. With respect to the second quarter of 2025, due to the impact of the Day 1 acquisition provision and the merger and conversion related expenses we incurred in such quarter, the Company's net income for the immediately-preceding four quarters was not sufficient to cover the second quarter dividend, and accordingly Federal Reserve consultation was necessary prior to the payment of our June 30, 2025 dividend. The Company did not otherwise require regulatory approval for dividends paid in 2024 or 2025. Federal Reserve regulations also limit the amount Renasant Bank may loan to the Company unless such loans are collateralized by specific obligations. At December 31, 2025, the maximum amount available for transfer from Renasant Bank to the Company in the form of loans was $286,062. The Company also maintains a $3,000 line of credit collateralized by cash with the Bank. As of December 31, 2025, no loans from the Bank to the Company were outstanding.

Goodwill and Other Intangible Assets - Schedule of Summary of Finite-lived Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	$ 249,772	$ 90,162
Accumulated Amortization	(103,160)	(76,057)
Net Carrying Amount	146,612	14,105
Core deposit intangible
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	242,102	82,492
Accumulated Amortization	(97,936)	(71,881)
Net Carrying Amount	144,166	10,611
Customer relationship intangible
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	7,670	7,670
Accumulated Amortization	(5,224)	(4,176)
Net Carrying Amount	$ 2,446	$ 3,494

Other Comprehensive Income (Loss) - Schedule of Accumulated Balances for Each Component of Other Comprehensive Income (Loss), Net of Tax (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Shareholders’ equity	$ 3,884,905	$ 2,678,318	$ 2,297,383	$ 2,136,016
Total accumulated other comprehensive loss
Accumulated Other Comprehensive Income (Loss) [Line Items]
Shareholders’ equity	(89,732)	(142,608)	(154,256)	$ (209,037)
Unrealized losses on securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Shareholders’ equity	(96,977)	(152,934)	(163,484)
Unrealized gains on derivative instruments
Accumulated Other Comprehensive Income (Loss) [Line Items]
Shareholders’ equity	13,598	17,429	17,051
Unrecognized losses on defined benefit pension and post-retirement benefit plans obligations
Accumulated Other Comprehensive Income (Loss) [Line Items]
Shareholders’ equity	$ (6,353)	$ (7,103)	$ (7,823)

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.

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Mergers and Acquisitions - Schedule of Acquired Loan Portfolio (Details) - The First $ in Thousands	Apr. 01, 2025 USD ($)
Purchased Credit-Deteriorated (“PCD”) loans:
Par value	$ 168,511
Allowance for credit losses at acquisition	(25,003)
Non-credit discount	(4,021)
Fair value on the date of acquisition	139,487
Non-PCD loans:
Fair value	5,032,996
Gross contractual amounts receivable	5,233,447
Estimate of contractual cash flows not expected to be collected	$ 62,190

Securities - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
Securities - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Apr. 01, 2025
Debt Securities, Available-for-sale [Line Items]
Impairment losses on securities	$ 0	$ 0	$ 19,352
Available for sale securities, explicit or implicit performance indicating factors percentage	90.00%
Allowance for credit losses - held to maturity securities	$ 32	32
Fair Value of Net Assets Acquired at Date of Acquisition
Debt Securities, Available-for-sale [Line Items]
Securities				$ 1,457,377
Secure government, public and trust deposits
Debt Securities, Available-for-sale [Line Items]
Available for sale securities pledged as collateral	1,732,787	818,344
Short-term borrowings
Debt Securities, Available-for-sale [Line Items]
Available for sale securities pledged as collateral	9,023	13,083
Derivative Instruments
Debt Securities, Available-for-sale [Line Items]
Available for sale securities pledged as collateral	$ 18,732	$ 12,443

Income Taxes

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Income Taxes

(In Thousands)

Significant components of the provision for income taxes from continuing operations are as follows for the periods presented:


	Year Ended December 31,
	2025		2024		2023
Current
Federal	$	42,732	$	42,179	$	36,138
State	1,041		2,680		1,376
	43,773		44,859		37,514
Deferred
Federal	2,448		7,028		(1,187)
State	(761)		(2,379)		(3,818)

	1,687		4,649		(5,005)
	$	45,460	$	49,508	$	32,509

Total income tax expense does not reflect the tax effects of items that are included in other comprehensive income each period. The tax effects included each period resulted in net expense in other comprehensive income of $17,634, $4,012 and $19,716 in 2025, 2024 and 2023, respectively. We do not have any foreign operations, and accordingly all net income before income tax relates exclusively to operations within the United States.

The reconciliation of income taxes computed at the United States federal statutory tax rates to the provision for income taxes is as follows for the period presented in accordance with ASU 2023-09:


	Year Ended December 31,
	2025
	Amount		Rate
US federal statutory income tax rate	$	47,614	21.00	%
State and local income taxes, net of federal income tax effects(1)	236		0.10	%
Tax credits and related income tax effects
Low income housing tax credits and other tax benefits, net of proportional amortization(2)	(1,026)		(0.45)	%
Transferrable energy tax credits, net of cost(3)	(529)		(0.23)	%
Nontaxable or nondeductible items
Tax-exempt interest income	(3,226)		(1.42)	%
Bank-owned life insurance	(2,991)		(1.32)	%
Other	4,619		2.04	%
Changes in unrecognized tax benefits	(54)		(0.02)	%
Other adjustments	817		0.35	%
Effective income tax rate	$	45,460	20.05	%

(1) State taxes in Alabama and Tennessee make up the majority of this category

(2) Includes tax credits and related benefits of $5,371 and proportional amortization of $4,345

(3) Includes transferrable tax credits of $5,315 and related cost of $4,786

The table below reconciles the Company’s tax expense at the U.S. federal statutory income tax rate to tax expense at the effective tax rate, as previously disclosed prior to the adoption of ASU 2023-09, for the years ended December 31, 2024 and 2023.


	Year Ended December 31,
	2024		2023
Tax at U.S. statutory rate	$	51,443	$	37,209
Increase (decrease) in taxes resulting from:
Tax-exempt interest income	(1,750)		(1,505)
BOLI income	(1,178)		(2,197)
Investment tax credits	(3,950)		(1,901)
Amortization of investment in low-income housing tax credits	2,851		1,741
State income tax expense, net of federal benefit	(262)		(1,929)
Nondeductible transaction costs	1,060		—

Other items, net	1,294		1,091
	$	49,508	$	32,509

The effective tax rate was 20.21% and 18.35% for the years ended December 31, 2024 and 2023, respectively.


Income Tax Payments	2025
U.S. Federal	$	16,407
U.S. State
Mississippi	1,000
Other states	956
Total income taxes paid	$	18,363

Income taxes paid were $29,065 and $42,047 for the years ended December 31, 2024 and 2023, respectively.

Significant components of the Company’s deferred tax assets and liabilities are as follows for the periods presented:


	December 31,
	2025		2024
Deferred tax assets
Allowance for credit losses	$	78,819	$	53,349
Loans	36,497		—
Deferred compensation	22,792		15,695
Net unrealized losses on securities	47,059		47,199
Impairment of assets	1,466		874
Tax credits	12,304		8,781
Net operating loss carryforwards	21,725		2
Investments in partnerships	—		77
Lease liabilities under operating leases	14,228		12,423

Other	3,870		3,073


Total deferred tax assets	238,760		141,473
Deferred tax liabilities




Fixed assets	23,516		9,927
Mortgage servicing rights	13,447		15,841
Junior subordinated debt	1,607		1,452
Intangibles	37,159		3,652
Lease right-of-use asset	13,903		11,775
Loans	—		7,638
Other	3,580		4,153
Total deferred tax liabilities	93,212		54,438
Net deferred tax assets	$	145,548	$	87,035

The Company and its corporate, non-real estate investment trust subsidiaries file a consolidated U.S. federal income tax return. The Company is currently open to audit under the statute of limitations by the Internal Revenue Service for the years ending December 31, 2022 through 2024. The Company and its subsidiaries’ state income tax returns are open to audit under the statute of limitations for the years ended December 31, 2021 through 2024.

The Company had unused Federal net operating losses of $80,173 at December 31, 2025; there were no unused Federal net operating losses at December 31, 2024. The Company had unused State net operating losses of $114,780 and $140 at December 31, 2025 and December 31, 2024, respectively. No allowance existed against these net operating losses, as the Company determined it was more likely than not they would be fully realized. Substantially all of the net operating losses were acquired as part of the acquisition of The First in April 2025. Due to pre-existing ownership changes, the ability to utilize these net operating losses is limited under Code Section 382. The amount of net operating losses disclosed above reflects the maximum amount that can be utilized pursuant to Code Section 382.

The Company has unused state tax credits in various jurisdictions for the year ended December 31, 2025 and 2024 of $15,575 and $11,115, respectively, which can be carried forward for periods ranging from five to 25 years. The Company determined, based on all available evidence, that it is more likely than not that the Company will realize the full amount of these credits, and no valuation allowance has been recorded.

A reconciliation of the beginning and ending amount of unrecognized tax benefits, excluding interest, related to federal and state income tax matters as of December 31 follows below:


	2025		2024		2023
Balance at January 1	$	501	$	399	$	407
Additions based on positions related to current period	170		190		78



Reductions due to lapse of statute of limitations	(296)		(88)		(86)
Balance at December 31	$	375	$	501	$	399

If ultimately recognized, the Company does not anticipate any material increase in the effective tax rate for 2025 relative to any tax positions taken prior to January 1, 2025. The Company has accrued $56, $41 and $26 for interest and penalties related to unrecognized tax benefits as of December 31, 2025, 2024 and 2023, respectively. The Company recognized accrued interest and penalties on unrecognized tax benefits as a component of income tax expense.

The Company holds investments in limited partnerships and similar entities (“LPs”) that are not consolidated in the financial statements. These LPs construct, own, and operate affordable housing, solar energy farms, and similar projects. Typically, an unrelated third party is the general partner or managing member and is primarily responsible for overseeing and controlling these projects. As an investor in these LPs, certain tax credits (“ITC”), primarily Low-Income Housing Tax Credits under Code Section 42 (“LIHTC”) and Energy Credits under Code Section 48, are allocated to the Company. These ITC are recognized as income tax benefits in the Company’s Consolidated Statements of Income over the period in which they are earned, which is typically ten years and one year for LIHTC and Energy Credits, respectively, beginning when the related projects are placed in service, as determined under the Code and related regulations. These investments are recorded to “Other assets” in the Consolidated Balance Sheets, and are amortized ratably based on the realization of ITC using the practical expedient method described in ASU 2014-01. The balance of these investments recorded to Other assets was $44,157 and $13,366 at December 31, 2025 and 2024, respectively. For the year ended December 31, 2025 and 2024, the Company recognized $4,599 and $2,977, respectively, of benefits from ITC and recorded $4,371 and $2,851, respectively, of amortization on the LP investments, all of which were recorded to the “Income taxes” line item in the Consolidated Statements of Income. The non-income-tax-related income or expenses related to the Company’s LP investments were not significant in 2025 and 2024. The Company is continuing to pursue opportunities to invest in similar LPs and as of December 31, 2025, had unfunded commitments related to similar ITC investments of $96,833. The Company’s risk of loss on these projects is generally mitigated by policies requiring that the project qualify for the expected ITC prior to making its investment.

The entire disclosure for income tax.

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Mortgage Servicing Rights - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Disaggregation of Revenue [Line Items]
Proceeds from sale of mortgage servicing rights	$ 9,353	$ 23,011	$ 0
Pretax gain	1,467	3,472
Bank Servicing
Disaggregation of Revenue [Line Items]
Revenue	$ 12,456	$ 15,177	$ 18,081

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.

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Investments, Debt and Equity Securities [Abstract]

Securities (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Amortized Cost and Fair Value of Securities Available for Sale

The amortized cost and fair value of securities available for sale were as follows as of the dates presented:


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2025


Obligations of states and political subdivisions	$	266,553	$	8,012	$	(1,780)	$	272,785
Residential mortgage-backed securities:
Agency mortgage backed securities	793,154		5,670		(15,675)		783,149
Collateralized mortgage obligations	706,986		2,826		(57,908)		651,904
Commercial mortgage-backed securities:
Agency mortgage backed securities	100,314		285		(762)		99,837
Collateralized mortgage obligations	419,356		3,552		(18,120)		404,788

Other debt securities	349,132		1,537		(2,314)		348,355
	$	2,635,495	$	21,882	$	(96,559)	$	2,560,818


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2024


Obligations of states and political subdivisions	$	20,266	$	57	$	(2,269)	$	18,054
Residential mortgage-backed securities:
Agency mortgage backed securities	185,292		81		(24,468)		160,905
Collateralized mortgage obligations	475,311		75		(86,870)		388,516
Commercial mortgage-backed securities:
Agency mortgage backed securities	11,373		—		(751)		10,622
Collateralized mortgage obligations	146,510		41		(21,595)		124,956

Other debt securities	130,175		440		(2,655)		127,960

	$	968,927	$	694	$	(138,608)	$	831,013

The amortized cost and fair value of securities held to maturity were as follows as of the dates presented:


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2025
Obligations of states and political subdivisions	$	279,424	$	29	$	(29,516)	$	249,937
Residential mortgage-backed securities:
Agency mortgage backed securities	323,993		—		(10,030)		313,963
Collateralized mortgage obligations	320,258		—		(18,600)		301,658
Commercial mortgage-backed securities:
Agency mortgage backed securities	16,938		—		(2,059)		14,879
Collateralized mortgage obligations	42,079		—		(5,997)		36,082
Other debt securities	47,413		—		(2,062)		45,351
	$	1,030,105	$	29	$	(68,264)	$	961,870
Allowance for credit losses - held to maturity securities	(32)
Held-to-maturity securities, net of allowance for credit losses	$	1,030,073


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2024
Obligations of states and political subdivisions	$	284,542	$	3	$	(42,491)	$	242,054
Residential mortgage-backed securities:
Agency mortgage backed securities	372,414		—		(25,251)		347,163
Collateralized mortgage obligations	354,882		—		(41,506)		313,376
Commercial mortgage-backed securities:
Agency mortgage backed securities	16,961		—		(2,958)		14,003
Collateralized mortgage obligations	43,662		—		(7,317)		36,345
Other debt securities	53,683		—		(4,080)		49,603
	$	1,126,144	$	3	$	(123,603)	$	1,002,544
Allowance for credit losses - held to maturity securities	(32)
Held-to-maturity securities, net of allowance for credit losses	$	1,126,112

Schedule of Realized Gain (Loss)


	Carrying Value		Net Proceeds		Gain/(Loss)
Twelve months ended December 31, 2025
Obligations of other U.S. Government agencies and corporations	$	34,394	$	34,394	$	—
Obligations of states and political subdivisions	327,509		327,509		—
Residential mortgage-backed securities:
Agency mortgage backed securities	275,910		275,910		—
Collateralized mortgage obligations	2,437		2,437		—
Commercial mortgage-backed securities:
Agency mortgage backed securities	6,541		6,541		—
Collateralized mortgage obligations	6,480		6,480		—

Other debt securities	33,214		33,214		—

	$	686,485	$	686,485	$	—

For the securities sold for the year ended December 31, 2024, the Company intended to sell these as of December 31, 2023, and thereafter completed the sale in January 2024. Therefore, the Company recorded impairment of $19,352 on the securities identified to be sold as of December 31, 2023 and did not recognize a gain or loss during 2024.


	Carrying Value		Net Proceeds		Gain/(Loss)
Twelve months ended December 31, 2024

Obligations of states and political subdivisions	$	11,360	$	11,360	$	—
Residential mortgage-backed securities:
Agency mortgage backed securities	95,922		95,922		—
Collateralized mortgage obligations	43,990		43,990		—
Commercial mortgage-backed securities:

Collateralized mortgage obligations	25,913		25,913		—



	$	177,185	$	177,185	$	—


	Carrying Value		Net Proceeds		Gain/(Loss)
Twelve months ended December 31, 2023
Obligations of other U.S. Government agencies and corporations	$	170,000	$	164,915	$	(5,085)
Obligations of states and political subdivisions	104,950		99,439		(5,511)
Residential mortgage-backed securities:
Agency mortgage backed securities	137,196		130,602		(6,594)
Collateralized mortgage obligations	54,028		51,101		(2,927)
Commercial mortgage-backed securities:
Agency mortgage backed securities	5,048		4,825		(223)
Collateralized mortgage obligations	40,197		38,099		(2,098)



	$	511,419	$	488,981	$	(22,438)

Gross realized gains and gross realized losses on sales of securities available for sale were as follows for the periods presented:


	Year Ended December 31,
	2025		2024(1)		2023
Gross gains on sales of securities available for sale	$	—	$	—	$	126
Gross losses on sales of securities available for sale	—		—		(22,564)
Losses on sales of securities available for sale, net	$	—	$	—	$	(22,438)

(1) Impairment of available for sale securities sold in January 2024 and recognized in December 2023 consisted of $5 of gross gains and $19,357 of gross losses.

Schedule of Amortized Cost and Fair Value of Securities by Contractual Maturity

The amortized cost and fair value of securities at December 31, 2025 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may call or prepay obligations with or without call or prepayment penalties.


	Held to Maturity				Available for Sale
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Due within one year	$	215	$	214	$	10,323	$	10,351
Due after one year through five years	9,734		9,272		72,225		72,645
Due after five years through ten years	179,864		162,361		128,007		129,427
Due after ten years	89,611		78,090		105,792		110,173
Residential mortgage-backed securities:
Agency mortgage backed securities	323,993		313,963		793,154		783,149
Collateralized mortgage obligations	320,258		301,658		706,986		651,904
Commercial mortgage-backed securities:
Agency mortgage backed securities	16,938		14,879		100,314		99,837
Collateralized mortgage obligations	42,079		36,082		419,356		404,788
Other debt securities	47,413		45,351		299,338		298,544

	$	1,030,105	$	961,870	$	2,635,495	$	2,560,818

Schedule of Gross Unrealized Losses and Fair Value of Available-for-Sale Securities

The following tables present the gross unrealized losses and fair value of investment securities, aggregated by investment category and the length of time the investments have been in a continuous unrealized loss position, as of the dates presented:


	Less than 12 Months					12 Months or More					Total
	#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses
Available for Sale:
December 31, 2025

Obligations of states and political subdivisions	13	$	19,454	$	(445)	7	$	13,591	$	(1,335)	20	$	33,045	$	(1,780)
Residential mortgage-backed securities:
Agency mortgage backed securities	8	135,320		(903)		36	132,975		(14,772)		44	268,295		(15,675)
Collateralized mortgage obligations	2	24,816		(58)		37	299,606		(57,850)		39	324,422		(57,908)
Commercial mortgage-backed securities:
Agency mortgage backed securities	9	71,188		(395)		2	5,595		(367)		11	76,783		(762)
Collateralized mortgage obligations	12	40,387		(56)		25	102,206		(18,064)		37	142,593		(18,120)

Other debt securities	10	191,504		(1,347)		8	14,571		(967)		18	206,075		(2,314)

Total	54	$	482,669	$	(3,204)	115	$	568,544	$	(93,355)	169	$	1,051,213	$	(96,559)
December 31, 2024

Obligations of states and political subdivisions	—	$	—	$	—	7	$	12,841	$	(2,269)	7	$	12,841	$	(2,269)
Residential mortgage-backed securities:
Agency mortgage backed securities	7	11,051		(259)		34	141,321		(24,209)		41	152,372		(24,468)
Collateralized mortgage obligations	3	48,879		(482)		37	311,964		(86,388)		40	360,843		(86,870)
Commercial mortgage-backed securities:
Agency mortgage backed securities	2	5,248		(122)		2	5,375		(629)		4	10,623		(751)
Collateralized mortgage obligations	2	7,681		(39)		25	104,326		(21,556)		27	112,007		(21,595)

Other debt securities	2	22,357		(218)		17	30,801		(2,437)		19	53,158		(2,655)

Total	16	$	95,216	$	(1,120)	122	$	606,628	$	(137,488)	138	$	701,844	$	(138,608)

Schedule of Gross Unrealized Losses and Fair Value of Held-to-Maturity Securities


	Less than 12 months					12 months or more					Total
Held to Maturity:	#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses
December 31, 2025
Obligations of states and political subdivisions	—	$	—	$	—	124	$	248,044	$	(29,516)	124	$	248,044	$	(29,516)
Residential mortgage-backed securities:
Agency mortgage backed securities	—	—		—		66	313,963		(10,030)		66	313,963		(10,030)
Collateralized mortgage obligations	—	—		—		18	301,657		(18,600)		18	301,657		(18,600)
Commercial mortgage-backed securities:
Agency mortgage backed securities	—	—		—		1	14,879		(2,059)		1	14,879		(2,059)
Collateralized mortgage obligations	—	—		—		9	36,083		(5,997)		9	36,083		(5,997)
Other debt securities	—	—		—		10	45,351		(2,062)		10	45,351		(2,062)
Total	—	$	—	$	—	228	$	959,977	$	(68,264)	228	$	959,977	$	(68,264)
December 31, 2024
Obligations of states and political subdivisions	—	$	—	$	—	128	$	240,394	$	(42,491)	128	$	240,394	$	(42,491)
Residential mortgage-backed securities:
Agency mortgage backed securities	—	—		—		69	347,154		(25,251)		69	347,154		(25,251)
Collateralized mortgage obligations	—	—		—		18	313,376		(41,506)		18	313,376		(41,506)
Commercial mortgage-backed securities:
Agency mortgage backed securities	—	—		—		1	14,002		(2,958)		1	14,002		(2,958)
Collateralized mortgage obligations	—	—		—		9	36,345		(7,317)		9	36,345		(7,317)
Other debt securities	—	—		—		10	49,603		(4,080)		10	49,603		(4,080)
Total	—	$	—	$	—	235	$	1,000,874	$	(123,603)	235	$	1,000,874	$	(123,603)

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
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Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
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Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
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-Paragraph 3
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity).

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
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Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
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Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
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Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
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Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
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Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
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-Name Accounting Standards Codification
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Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
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-Paragraph 5A
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-Publisher FASB
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Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 17: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Securities - Schedule of Amortized Cost and Fair Value, Available for Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Cash and Cash Equivalents [Line Items]
Amortized Cost	$ 2,635,495	$ 968,927
Gross Unrealized Gains	21,882	694
Gross Unrealized Losses	(96,559)	(138,608)
Fair Value	2,560,818	831,013
Obligations of states and political subdivisions
Cash and Cash Equivalents [Line Items]
Amortized Cost	266,553	20,266
Gross Unrealized Gains	8,012	57
Gross Unrealized Losses	(1,780)	(2,269)
Fair Value	272,785	18,054
Other debt securities
Cash and Cash Equivalents [Line Items]
Amortized Cost	349,132	130,175
Gross Unrealized Gains	1,537	440
Gross Unrealized Losses	(2,314)	(2,655)
Fair Value	348,355	127,960
Agency mortgage backed securities \| Residential mortgage-backed securities:
Cash and Cash Equivalents [Line Items]
Amortized Cost	793,154	185,292
Gross Unrealized Gains	5,670	81
Gross Unrealized Losses	(15,675)	(24,468)
Fair Value	783,149	160,905
Agency mortgage backed securities \| Commercial mortgage-backed securities:
Cash and Cash Equivalents [Line Items]
Amortized Cost	100,314	11,373
Gross Unrealized Gains	285	0
Gross Unrealized Losses	(762)	(751)
Fair Value	99,837	10,622
Collateralized mortgage obligations \| Residential mortgage-backed securities:
Cash and Cash Equivalents [Line Items]
Amortized Cost	706,986	475,311
Gross Unrealized Gains	2,826	75
Gross Unrealized Losses	(57,908)	(86,870)
Fair Value	651,904	388,516
Collateralized mortgage obligations \| Commercial mortgage-backed securities:
Cash and Cash Equivalents [Line Items]
Amortized Cost	419,356	146,510
Gross Unrealized Gains	3,552	41
Gross Unrealized Losses	(18,120)	(21,595)
Fair Value	$ 404,788	$ 124,956

Income Taxes - Schedule of Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets
Allowance for credit losses	$ 78,819	$ 53,349
Loans	36,497	0
Deferred compensation	22,792	15,695
Net unrealized losses on securities	47,059	47,199
Impairment of assets	1,466	874
Tax credits	12,304	8,781
Net operating loss carryforwards	21,725	2
Investments in partnerships	0	77
Lease liabilities under operating leases	14,228	12,423
Other	3,870	3,073
Total deferred tax assets	238,760	141,473
Deferred tax liabilities
Fixed assets	23,516	9,927
Mortgage servicing rights	13,447	15,841
Junior subordinated debt	1,607	1,452
Intangibles	37,159	3,652
Lease right-of-use asset	13,903	11,775
Loans	0	7,638
Other	3,580	4,153
Total deferred tax liabilities	93,212	54,438
Net deferred tax assets	$ 145,548	$ 87,035

Derivative Instruments (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Derivative Financial Instruments

The following table provides a summary of the Company’s derivatives not designated as hedging instruments as of the dates presented:


	Balance Sheet	December 31, 2025				December 31, 2024
	Location	Notional Amount		Fair Value		Notional Amount		Fair Value
Derivative assets:
Interest rate contracts	Other Assets	$	1,784,028	$	28,590	$	877,051	$	14,071
Interest rate lock commitments	Other Assets	92,881		1,419		64,365		861
Forward commitments	Other Assets	33,000		53		174,000		1,242
Totals		$	1,909,909	$	30,062	$	1,115,416	$	16,174
Derivative liabilities:
Interest rate contracts	Other Liabilities	$	1,784,028	$	28,595	$	880,371	$	14,094
Interest rate lock commitments	Other Liabilities	5,904		14		1,829		122
Forward commitments	Other Liabilities	196,000		593		52,000		86
Totals		$	1,985,932	$	29,202	$	934,200	$	14,302

The following table provides a summary of the Company’s derivatives designated as cash flow hedges as of the dates presented:


	Balance Sheet	December 31, 2025				December 31, 2024
	Location	Notional Amount		Fair Value		Notional Amount		Fair Value
Derivative assets:
Interest rate swaps	Other Assets	$	130,000	$	16,907	$	130,000	$	22,780
Interest rate collars	Other Assets	450,000		129		—		—
Totals		$	580,000	$	17,036	$	130,000	$	22,780
Derivative liabilities:
Interest rate swaps	Other Liabilities	$	—	$	—	$	—	$	—
Interest rate collars	Other Liabilities	—		—		450,000		598
Totals		$	—	$	—	$	450,000	$	598

The following table provides a summary of the Company’s derivatives designated as fair value hedges as of the dates presented:


	Balance Sheet	December 31, 2025				December 31, 2024
	Location	Notional Amount		Fair Value		Notional Amount		Fair Value



Derivative liabilities:
Interest rate swaps - subordinated notes	Other Liabilities	$	100,000	$	12,280	$	100,000	$	17,368
Interest rate swaps - securities	Other Liabilities	3,430		2		—		—
Totals		$	103,430	$	12,282	$	100,000	$	17,368

Schedule of Gains (Losses) on Derivative Financial Instruments Included in the Consolidated Statements of Income

Gains (losses) included in the Consolidated Statements of Income related to the Company’s derivative financial instruments that are not designated as hedging instruments were as follows, as of the dates presented:


	Year Ended December 31,
	2025		2024		2023
Interest rate contracts:
Included in interest income on loans	$	28,328	$	14,128	$	8,156

Interest rate lock commitments:
Included in mortgage banking income	667		(713)		319
Forward commitments
Included in mortgage banking income	(1,695)		3,718		(1,848)
Total	$	27,300	$	17,133	$	6,627

The following table presents the effects of the Company’s fair value hedge relationships on the Consolidated Statements of Income for the periods presented:


		Amount of Gain (Loss) Recognized in Income
	Income Statement	Year ended December 31,
	Location	2025		2024		2023
Derivative liabilities:
Interest rate swaps - subordinated notes	Interest Expense	$	5,089	$	(317)	$	2,737
Interest rate swaps - securities	Interest Income	6		—		—

Derivative liabilities - hedged items:
Interest rate swaps - subordinated notes	Interest Expense	$	(5,089)	$	317	$	(2,737)
Interest rate swaps - securities	Interest Income	(6)		—		—

Schedule of Derivatives Instruments Statements of Financial Performance and Financial Position, Location

The following table presents the amounts that were recorded in the Consolidated Balance Sheets related to cumulative basis adjustments for fair value hedges as of the dates presented:


	Carrying Amount of the Hedged Item				Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Item
Balance Sheet Location	December 31, 2025		December 31, 2024		December 31, 2025		December 31, 2024
Long-term debt	$	86,911	$	81,648	$	12,280	$	17,369
Securities available for sale	17,780		—		(6)		—

Schedule of Offsetting Assets

The following table presents the Company’s gross derivative positions as recognized in the Consolidated Balance Sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement as of the dates presented:


	Offsetting Derivative Assets				Offsetting Derivative Liabilities
	December 31, 2025		December 31, 2024		December 31, 2025		December 31, 2024
Gross amounts recognized	$	21,867	$	34,505	$	17,650	$	28,550
Gross amounts offset in the consolidated balance sheets	—		—		—		—
Net amounts presented in the consolidated balance sheets	21,867		34,505		17,650		28,550
Gross amounts not offset in the consolidated balance sheets
Financial instruments - derivative assets available for offset	17,110		27,939		17,110		27,939
Financial collateral (cash) pledged	—		—		20		611
Net amounts	$	4,757	$	6,566	$	520	$	—

Schedule of Offsetting Liabilities


	Offsetting Derivative Assets				Offsetting Derivative Liabilities
	December 31, 2025		December 31, 2024		December 31, 2025		December 31, 2024
Gross amounts recognized	$	21,867	$	34,505	$	17,650	$	28,550
Gross amounts offset in the consolidated balance sheets	—		—		—		—
Net amounts presented in the consolidated balance sheets	21,867		34,505		17,650		28,550
Gross amounts not offset in the consolidated balance sheets
Financial instruments - derivative assets available for offset	17,110		27,939		17,110		27,939
Financial collateral (cash) pledged	—		—		20		611
Net amounts	$	4,757	$	6,566	$	520	$	—

Goodwill and Other Intangible Assets

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangible Assets

(In Thousands)

Changes in the carrying amount of goodwill during the years ended December 31, 2025 were as follows:


	Community Banks		Insurance		Total
Balance at December 31, 2023	$	988,898	$	2,767	$	991,665

Sale of the insurance agency	—		(2,767)		(2,767)
Balance at December 31, 2024	988,898		—		988,898

Additions to goodwill from The First merger	418,196		—		418,196
Divestiture of SGIS	(1,254)		—		(1,254)
Balance at December 31, 2025	$	1,405,840	$	—	$	1,405,840

The following table provides a summary of finite-lived intangible assets as of the dates presented:


	Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount
December 31, 2025
Core deposit intangible	$	242,102	$	(97,936)	$	144,166
Customer relationship intangible	7,670		(5,224)		2,446
Total finite-lived intangible assets	$	249,772	$	(103,160)	$	146,612
December 31, 2024
Core deposit intangible	$	82,492	$	(71,881)	$	10,611
Customer relationship intangible	7,670		(4,176)		3,494
Total finite-lived intangible assets	$	90,162	$	(76,057)	$	14,105

Total intangible amortization expense, which includes amortization expense for both core deposit intangibles and customer relationship intangibles, for the years ended December 31, 2025, 2024 and 2023 was $27,103, $4,691 and $5,380, respectively.

The remaining weighted average life of finite-lived intangible assets is 8.84 years at December 31, 2025. The remaining weighted average life of finite-lived intangible assets acquired during 2025 is 9.25 years at December 31, 2025. The estimated amortization expense of finite-lived intangible assets for the five succeeding fiscal years is summarized as follows:


	Core Deposit Intangible		Customer Relationship Intangible		Total
2026	$	30,732	$	860	$	31,592
2027	27,441		628		28,069
2028	23,337		483		23,820
2029	18,335		331		18,666
2030	15,169		144		15,313
Thereafter	29,152		—		29,152
Total	$	144,166	$	2,446	$	146,612

No impairment was identified for the Company’s goodwill or its other intangible assets as a result of the testing performed during 2025, 2024 or 2023.

Goodwill and Other Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Changes in the Carrying Amount of Goodwill

Changes in the carrying amount of goodwill during the years ended December 31, 2025 were as follows:


	Community Banks		Insurance		Total
Balance at December 31, 2023	$	988,898	$	2,767	$	991,665

Sale of the insurance agency	—		(2,767)		(2,767)
Balance at December 31, 2024	988,898		—		988,898

Additions to goodwill from The First merger	418,196		—		418,196
Divestiture of SGIS	(1,254)		—		(1,254)
Balance at December 31, 2025	$	1,405,840	$	—	$	1,405,840

Schedule of Finite-lived Intangible Assets

The following table provides a summary of finite-lived intangible assets as of the dates presented:


	Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount
December 31, 2025
Core deposit intangible	$	242,102	$	(97,936)	$	144,166
Customer relationship intangible	7,670		(5,224)		2,446
Total finite-lived intangible assets	$	249,772	$	(103,160)	$	146,612
December 31, 2024
Core deposit intangible	$	82,492	$	(71,881)	$	10,611
Customer relationship intangible	7,670		(4,176)		3,494
Total finite-lived intangible assets	$	90,162	$	(76,057)	$	14,105

Schedule of Estimated Amortization Expense of Finite-lived Intangible Assets

The estimated amortization expense of finite-lived intangible assets for the five succeeding fiscal years is summarized as follows:


	Core Deposit Intangible		Customer Relationship Intangible		Total
2026	$	30,732	$	860	$	31,592
2027	27,441		628		28,069
2028	23,337		483		23,820
2029	18,335		331		18,666
2030	15,169		144		15,313
Thereafter	29,152		—		29,152
Total	$	144,166	$	2,446	$	146,612

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
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Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
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Schedule of Basic and Diluted Net Income Per Common share

Fair Value Measurements - Schedule of Fair Value of Assets Measured on Nonrecurring Basis (Details) - Nonrecurring - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	$ 87,680	$ 38,374
OREO	3,538	3,666
Total financial assets	91,218	42,040
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	0	0
OREO	0	0
Total financial assets	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	0	0
OREO	0	0
Total financial assets	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	87,680	38,374
OREO	3,538	3,666
Total financial assets	$ 91,218	$ 42,040

Mergers and Acquisitions - Narrative (Details) $ in Thousands		3 Months Ended		12 Months Ended
	Apr. 01, 2025 USD ($) branch shares	Jun. 30, 2025 USD ($)	Mar. 31, 2024 USD ($)	Dec. 31, 2025 USD ($) shares	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Apr. 01, 2018 USD ($)
Business Combination [Line Items]
Merger and conversion related expenses		$ 20,479	$ 20,479	$ 49,331	$ 13,349	$ 0
Goodwill resulting from merger				$ 1,405,840	988,898	$ 991,665
Sale of the insurance agency					$ (2,767)
Weighted average useful life (in years)				9 years 3 months
Credit provision expense		$ 66,612
The First
Business Combination [Line Items]
Business Combination, Consideration Transferred	$ 1,052,690
Shares issued to common shareholders, excluding unvested restricted stock awards \| shares	30,811,851
Cash settlement for stock options	$ 1,869
Voting interest acquired (percent)							100.00%
Number of locations acquired \| branch	116
Merger and conversion related expenses				$ 49,331
Intangible assets, including goodwill	$ 583,672
Goodwill resulting from merger	430,884
Core deposit intangible	165,476
Customer relationship intangible	5,866
Goodwill, Prior to measurement period adjustment	430,884
Borrowings	419,165
The First \| Subordinated notes
Business Combination [Line Items]
Borrowings							$ 95,262
The First \| Junior subordinated debentures
Business Combination [Line Items]
Borrowings				$ 25,653			25,653
The First \| Federal Home Loan Bank short-term advances
Business Combination [Line Items]
Short-term borrowings							$ 298,250
The First \| Measurement Period Adjustments
Business Combination [Line Items]
Sale of the insurance agency	(12,688)
Fair Value of Net Assets Acquired at Date of Acquisition
Business Combination [Line Items]
Goodwill resulting from merger	418,196
Borrowings	$ 419,165
Brand Group Holdings, Inc.
Business Combination [Line Items]
Weighted average useful life (in years)	10 years
Time- Based Restricted Stock
Business Combination [Line Items]
Awarded (shares) \| shares				344,521
Time- Based Restricted Stock \| The First
Business Combination [Line Items]
Awarded (shares) \| shares	426,321

Net Income Per Common Share (Tables)

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

Basic and diluted net income per common share calculations are as follows for the periods presented:


	Year Ended December 31,
	2025		2024		2023
Basic
Net income applicable to common stock	$	181,272	$	195,457	$	144,678
Average common shares outstanding	86,940,841		59,350,157		56,099,689
Net income per common share—basic	$	2.09	$	3.29	$	2.58
Diluted
Net income applicable to common stock	$	181,272	$	195,457	$	144,678
Average common shares outstanding	86,940,841		59,350,157		56,099,689
Effect of dilutive stock-based compensation	573,942		398,633		348,474
Average common shares outstanding—diluted	87,514,783		59,748,790		56,448,163
Net income per common share—diluted	$	2.07	$	3.27	$	2.56

Schedule of Antidilutive Securities

Outstanding stock-based compensation awards that could potentially dilute basic net income per common share in the future that were not included in the computation of diluted net income per common share due to their anti-dilutive effect were as follows for the periods presented:


	Year Ended
	December 31,
	2025	2024	2023
Number of shares	1,000	—	6,600

Income Taxes - Schedule of Income Tax Benefit Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Reconciliation of unrecognized tax benefits
Balance at January 1	$ 501	$ 399	$ 407
Additions based on positions related to current period	170	190	78
Reductions due to lapse of statute of limitations	(296)	(88)	(86)
Balance at December 31	$ 375	$ 501	$ 399

Long-Term Debt - Schedule of Long-term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Long-term debt
Total	$ 499,756	$ 430,614
Federal Home Loan Bank advances
Long-term debt
Total	0	0
Junior subordinated debentures
Long-term debt
Total	140,632	113,916
Subordinated notes
Long-term debt
Total	$ 359,124	$ 316,698

Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
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Schedule of Lessor, Operating Lease, Payments to be Received, Maturity

Leases (Tables)

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

The maturities of the lessor arrangements outstanding at December 31, 2025 is presented in the table below.


2026	$	409
2027	123
2028	380
2029	6,983
2030	2,640
Thereafter	18,996
Total lease receivables	$	29,531

Schedule of Lease Cost

The table below provides the components of lease cost and supplemental information for the periods presented.


	Year ended December 31,
	2025			2024
Operating lease cost (cost resulting from lease payments)	$	8,003		$	6,705
Short-term lease cost	102			51
Variable lease cost (cost excluded from lease payments)	919			960
Sublease income	(1,652)			(639)
Net lease cost	$	7,372		$	7,077
Operating lease - operating cash flows (fixed payments)	7,643			6,714
Operating lease - operating cash flows (liability reduction)	5,587			4,943
Weighted average lease term - operating leases (in years) (at period end)	16.31			18.11
Weighted average discount rate - operating leases (at period end)	3.86		%	3.55		%

Right-of-use assets obtained in exchange for new lease liabilities - operating leases	$	18,925		$	4,630

Schedule of Lessee, Operating Lease, Liability, Maturity

The maturities of the lessee arrangements outstanding at December 31, 2025 are presented in the table below.


2026	$	6,939
2027	6,531
2028	6,296
2029	6,117
2030	5,844
Thereafter	45,424
Total undiscounted cash flows	77,151
Discount on cash flows	(19,924)
Total operating lease liabilities	$	57,227

Fair Value Measurements (Tables)

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Abstract]

Schedule of Fair Values of Financial Assets and Liabilities Measured on a Recurring Basis

The following tables present assets and liabilities that are measured at fair value on a recurring basis as of the dates presented:


	Level 1		Level 2		Level 3		Totals
December 31, 2025
Financial assets:


Securities available for sale	$	—	$	2,560,818	$	—	$	2,560,818

Derivative instruments	—		47,098		—		47,098
Mortgage loans held for sale in loans held for sale	—		265,959		—		265,959
Total financial assets	$	—	$	2,873,875	$	—	$	2,873,875
Financial liabilities:
Derivative instruments	$	—	$	41,484	$	—	$	41,484


	Level 1		Level 2		Level 3		Totals
December 31, 2024
Financial assets:


Securities available for sale	$	—	$	831,013	$	—	$	831,013

Derivative instruments	—		38,954		—		38,954
Mortgage loans held for sale in loans held for sale	—		246,171		—		246,171
Total financial assets	$	—	$	1,116,138	$	—	$	1,116,138
Financial liabilities:
Derivative instruments	$	—	$	32,268	$	—	$	32,268

Schedule of Impaired Loans Measured at Fair Value on a Nonrecurring Basis

The following tables provide as of the dates presented the fair value measurement for assets measured at fair value on a nonrecurring basis that

were still held on the Consolidated Balance Sheets at period end and the level within the fair value hierarchy each is classified:


	Level 1		Level 2		Level 3		Totals
December 31, 2025
Collateral dependent loans	$	—	$	—	$	87,680	$	87,680
OREO	—		—		3,538		3,538

Total	$	—	$	—	$	91,218	$	91,218


	Level 1		Level 2		Level 3		Totals
December 31, 2024
Collateral dependent loans	$	—	$	—	$	38,374	$	38,374
OREO	—		—		3,666		3,666

Total	$	—	$	—	$	42,040	$	42,040

Schedule of OREO Measured at Fair Value on a Nonrecurring Basis


	December 31, 2025







Carrying amount prior to remeasurement	$	4,182
Impairment recognized in results of operations	(644)
Fair value	$	3,538

Schedule of Significant Unobservable Inputs (Level 3) Used in Valuation of Assets and Liabilities Measured at Fair Value on Non Recurring Basis

The following table presents information as of December 31, 2025 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis:

Financial instrument

Fair
Value

Valuation Technique

Significant
Unobservable Inputs

Inputs

Collateral dependent loans, net of allowance for credit losses

87,680

Appraised value of collateral less estimated costs to sell

Estimated costs to sell

10%

OREO

3,538

Appraised value of property less estimated costs to sell

Estimated costs to sell

10%

Schedule of Differences Between Fair Value and Principal Balance for Mortgage Loans Held for Sale Measure at Fair Value

The following table summarizes the differences between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of December 31, 2025 and December 31, 2024:


	Aggregate Fair Value		Aggregate Unpaid Principal Balance		Difference
December 31, 2025
Mortgage loans held for sale measured at fair value	$	265,959	$	260,841	$	5,118

December 31, 2024
Mortgage loans held for sale measured at fair value	$	246,171	$	244,218	$	1,953

Schedule of Assets and Liabilities Not Measured and Reported at Fair Value on a Recurring Basis or Nonrecurring Basis


			Fair Value
	Carrying Value		Level 1		Level 2		Level 3		Total
December 31, 2025
Financial assets
Cash and cash equivalents	$	1,070,718	$	1,070,718	$	—	$	—	$	1,070,718
Securities held to maturity	1,030,073		—		961,870		—		961,870
Securities available for sale	2,560,818		—		2,560,818		—		2,560,818
Loans held for sale	265,959		—		265,959		—		265,959

Loans, net	18,753,084		—		—		18,689,957		18,689,957

Mortgage servicing rights	65,271		—		—		80,537		80,537
Derivative instruments	47,098		—		47,098		—		47,098
Financial liabilities
Deposits	$	21,473,070	$	—	$	21,465,168	$	—	$	21,465,168
Short-term borrowings	555,774				555,774		—		555,774


Junior subordinated debentures	140,632		—		126,976		—		126,976
Subordinated notes	359,124		—		352,616		—		352,616
Derivative instruments	41,484		—		41,484		—		41,484


			Fair Value
	Carrying Value		Level 1		Level 2		Level 3		Total
December 31, 2024
Financial assets
Cash and cash equivalents	$	1,092,032	$	1,092,032	$	—	$	—	$	1,092,032
Securities held to maturity	1,126,112		—		1,002,544		—		1,002,544
Securities available for sale	831,013		—		831,013		—		831,013
Loans held for sale	246,171		—		246,171		—		246,171
Loans, net	12,683,264		—		—		12,340,638		12,340,638
Mortgage servicing rights	72,991		—		—		96,290		96,290

Derivative instruments	38,954		—		38,954		—		38,954
Financial liabilities
Deposits	$	14,572,612			$	14,570,304	$	—	$	14,570,304
Short-term borrowings	108,018				108,018		—		108,018


Junior subordinated debentures	113,916		—		100,668		—		100,668
Subordinated notes	316,698		—		295,868		—		295,868
Derivative instruments	32,268		—		32,268		—		32,268

Other Real Estate Owned

12 Months Ended

Dec. 31, 2025

Real Estate [Abstract]

Other Real Estate Owned

(In Thousands)

The following table provides details of the Company’s other real estate owned (“OREO”), net of valuation allowances and direct write-downs, as of the dates presented:


	December 31, 2025		December 31, 2024
Residential real estate	$	5,001	$	2,966
Commercial real estate	8,502		5,681
Residential land development	15		19
Commercial land development	1,673		7

Total	$	15,191	$	8,673

Changes in the Company’s OREO were as follows for the periods presented:


	Total OREO
Balance at December 31, 2023	$	9,622

Transfers of loans	2,612

Impairments	(438)
Dispositions	(3,123)

Balance at December 31, 2024	$	8,673
Acquired OREO	11,032
Transfers of loans	12,341

Impairments	(665)
Dispositions	(16,190)

Balance at December 31, 2025	$	15,191

At December 31, 2025 and 2024, the amortized cost of loans secured by Real Estate - 1-4 Family Mortgage in the process of foreclosure was $10,552 and $505, respectively.

Components of the line item “Other real estate owned” in the Consolidated Statements of Income were as follows, as of the dates presented:


	Year Ended December 31,
	2025		2024		2023
Repairs and maintenance	$	635	$	372	$	103
Property taxes and insurance	433		280		427
Impairments	665		438		18
Net gains on OREO sales	(74)		(227)		(275)
Rental income	(8)		(5)		(6)
Total	$	1,651	$	858	$	267

Goodwill and Other Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets [Line Items]
Intangible amortization	$ 27,103	$ 4,691	$ 5,380
Weighted average useful life (in years)	8 years 10 months 2 days
Weighted average useful life of intangible assets acquired (in years)	9 years 3 months
Impairment	$ 0	$ 0	$ 0

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

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Fair Value Measurements - Narrative (Details) - USD ($)	12 Months Ended
Fair Value Measurements - Narrative (Details) - USD ($)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Realized (gains) losses included in net income, net of premium amortization	$ 0	$ 0
Changes in fair value, gain (loss)	3,166,000	(3,309,000)	$ 3,300,000
Significant Unobservable Inputs (Level 3) \| Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impairment recognized	$ 644,000	$ 0

Cover - USD ($)	12 Months Ended
Cover - USD ($)	Dec. 31, 2025	Feb. 20, 2026	Jun. 30, 2025
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2025
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-13253
Entity Registrant Name	RENASANT CORP
Entity Incorporation, State or Country Code	MS
Entity Tax Identification Number	64-0676974
Entity Address, Address Line One	209 Troy Street,
Entity Address, City or Town	Tupelo,
Entity Address, State or Province	MS
Entity Address, Postal Zip Code	38804-4827
City Area Code	662
Local Phone Number	680-1001
Title of 12(b) Security	Common stock, $5.00 par value per share
Trading Symbol	RNST
Security Exchange Name	NYSE
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction Flag	false
Entity Shell Company	false
Entity Public Float			$ 3,347,830,064
Entity Common Stock, Shares Outstanding		94,142,307
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE Portions of the Proxy Statement for the 2026 Annual Meeting of Shareholders of Renasant Corporation are incorporated by reference into Part III of this Form 10-K.
Entity Central Index Key	0000715072
Amendment Flag	false
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	FY

Short-Term Borrowings - Narrative (Details) - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Short-term Debt [Line Items]
Lines of credit with correspondent banks	$ 140,000,000
Amounts outstanding under lines of credit	0	$ 0
FHLB Advances
Short-term Debt [Line Items]
Unused lines of credit	5,574,759,000
Available credit	$ 681,719,000

The carrying value as of the balance sheet date of the current and noncurrent portions of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement.

Schedule of Information Relating to the Defined Benefit Pension Plan and Post-Retirement Health and Life Plans

Employee Benefit and Deferred Compensation Plans (Tables)

12 Months Ended

Dec. 31, 2025

Retirement Benefits [Abstract]

The following table presents information relating to the defined benefit pension plan maintained by Renasant Bank (“Pension Benefits - Renasant”) and the post-retirement health plan (“Other Benefits”) as of December 31, 2025 and 2024:


	Pension Benefits Renasant						Other Benefits
	2025			2024			2025			2024
Change in benefit obligation
Benefit obligation at beginning of year	$	18,685		$	20,195		$	448		$	512
Service cost	—			—			—			—
Interest cost	948			908			20			21
Plan participants’ contributions	—			—			17			21

Actuarial loss (gain)	701			(620)			(190)			(89)
Benefits paid	(1,744)			(1,798)			(16)			(17)



Benefit obligation at end of year	$	18,590		$	18,685		$	279		$	448
Change in fair value of plan assets
Fair value of plan assets at beginning of year	$	19,148		$	20,119
Actual return on plan assets	2,189			827
Contribution by employer	—			—
Benefits paid	(1,744)			(1,798)




Fair value of plan assets at end of year	$	19,593		$	19,148
Funded status at end of year	$	1,003		$	463		$	(279)		$	(448)
Weighted-average assumptions as of December 31
Discount rate used to determine the benefit obligation	4.99		%	5.37		%	4.26		%	4.99		%

Schedule of Plan Expense for Noncontributory Benefit Pension Plan and Post-retirement Health and Life Plans

The components of net periodic benefit cost and other amounts recognized in other comprehensive income for the defined benefit pension and post-retirement health plans for the years ended December 31, 2025, 2024 and 2023 are as follows:


	Pension Benefits Renasant									Other Benefits
	2025			2024			2023			2025			2024			2023
Service cost	$	—		$	—		$	—		$	—		$	—		$	1
Interest cost	948			908			995			20			21			22
Expected return on plan assets	(1,068)			(993)			(1,236)			—			—			—

Recognized actuarial loss (gain)	485			517			523			(88)			(93)			(61)

Net periodic benefit cost	365			432			282			(68)			(72)			(38)
Net actuarial gain arising during the period	(419)			(455)			(60)			(190)			(89)			(20)


Amortization of net actuarial (loss) gain recognized in net periodic pension cost	(485)			(516)			(523)			88			94			61

Total recognized in other comprehensive income	(904)			(971)			(583)			(102)			5			41
Total recognized in net periodic benefit cost and other comprehensive income	$	(539)		$	(539)		$	(301)		$	(170)		$	(67)		$	3
Weighted-average assumptions as of December 31
Discount rate used to determine net periodic pension cost	5.37		%	4.74		%	4.94		%	4.99		%	4.53		%	4.74		%
Expected return on plan assets	5.90		%	5.20		%	6.25		%	N/A			N/A			N/A

Schedule of Future Estimated Benefit Payments Under the Defined Benefit Pension Plan and Post-retirement Health and Life Plan

Future estimated benefit payments under the Renasant defined benefit pension plan and other benefits are as follows:


	Pension Benefits Renasant		Other Benefits
2026	$	2,118	$	50
2027	1,957		52
2028	1,926		38
2029	1,857		50
2030	1,801		42
2031 - 2035	7,300		82

Schedule of Amounts Recognized in Accumulated Other Comprehensive Income, Net of Tax

Amounts recognized in accumulated other comprehensive income, before tax, for the year ended December 31, 2025 are as follows:


	Pension Benefits Renasant		Other Benefits
Prior service cost	$	—	$	—
Actuarial loss (gain)	8,847		(327)
Total	$	8,847	$	(327)

Schedule of Estimated Costs that will be Amortized from Accumulated Other Comprehensive Income into Net Periodic Cost

The estimated costs that will be amortized from accumulated other comprehensive income into net periodic benefit cost during 2026 are as follows:


	Pension Benefits Renasant		Other Benefits
Prior service cost	$	—	$	—
Actuarial loss (gain)	436		(140)
Total	$	436	$	(140)

Schedule of Fair Values of Defined Benefit Pension Plan Assets by Category of the Firm


	Quoted Prices In Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Measured at net asset value per share (“NAV”)		Totals
December 31, 2025
Cash and cash equivalents	$	406	$	—	$	—	$	—	$	406
Investments in collective trusts	—		—		—		16,656		16,656
U.S. government securities	—		50		—		—		50

Corporate stocks	2,481		—		—		—		2,481



	$	2,887	$	50	$	—	$	16,656	$	19,593


	Quoted Prices In Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Measured at NAV		Totals
December 31, 2024
Cash and cash equivalents	$	281	$	—	$	—	$	—	$	281
Investments in collective trusts	—		—		—		16,590		16,590
U.S. government securities	—		156		—		—		156

Corporate stocks	2,121		—		—		—		2,121



	$	2,402	$	156	$	—	$	16,590	$	19,148

Schedule of the Changes in Stock Options and Restricted Stock

The following table summarizes the changes in restricted stock as of and for the year ended December 31, 2025:


	Performance- Based Restricted Stock	Weighted Average Grant-Date Fair Value		Time- Based Restricted Stock	Weighted Average Grant-Date Fair Value
Nonvested at beginning of year	203,115	$	34.32	801,181	$	35.08
Awarded	75,644	36.17		344,521	35.26
Converted	—	—		426,321	33.93
Vested	(83,412)	35.49		(351,913)	35.94
Forfeited and cancelled	—	—		(11,917)	35.23
Nonvested at end of year	195,347	$	34.54	1,208,193	$	34.48

Deposits

12 Months Ended

Dec. 31, 2025

Mortgage Banking [Abstract]

Deposits

(In Thousands)

The following is a summary of deposits as of December 31:


	2025		2024
Noninterest-bearing deposits	$	5,043,960	$	3,403,981
Interest-bearing demand deposits(1)	11,665,185		7,879,917
Savings deposits	1,280,031		809,430
Time deposits	3,483,894		2,479,284
Total deposits	$	21,473,070	$	14,572,612

(1)Interest-bearing demand deposits include interest-bearing transactional accounts and money market deposits.

The approximate scheduled maturities of time deposits at December 31, 2025 are as follows:


2026	$	3,317,995
2027	94,851
2028	34,418
2029	12,433
2030	10,983
Thereafter	13,214
Total	$	3,483,894

The aggregate amount of time deposits in denominations of $250 or more at December 31, 2025 and 2024 was $1,195,120 and $827,329, respectively. Certain executive officers and directors and their respective affiliates had amounts on deposit with Renasant Bank of approximately $29,987 and $21,883 at December 31, 2025 and 2024, respectively.

Leases - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Net investment in lease	$ 29,531	$ 30,846
Net investment in lease, current	25,124	26,655
Residual value of leased asset	8,035	7,961
Net investment in lease, noncurrent	3,628	3,770
Lease income	960	1,080
Right-of-use lease asset	55,920	46,811
Lease liability	57,227	49,385
Rental expense	$ 7,545	$ 6,136	$ 6,859

Premises and Equipment - Schedule of Bank Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Property, Plant and Equipment [Line Items]
Lease right-of-use assets	$ 55,920	$ 46,811
Total	649,888	445,456
Accumulated depreciation	(184,747)	(165,660)
Net	465,141	279,796
Premises
Property, Plant and Equipment [Line Items]
Gross	426,121	262,536
Leasehold improvements
Property, Plant and Equipment [Line Items]
Gross	43,950	37,155
Furniture and equipment
Property, Plant and Equipment [Line Items]
Gross	84,941	70,197
Computer equipment
Property, Plant and Equipment [Line Items]
Gross	37,465	28,577
Transportation equipment
Property, Plant and Equipment [Line Items]
Gross	$ 1,491	$ 180

Renasant Corporation (Parent Company Only) Condensed Financial Information - Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income
Other dividends	$ 33,272	$ 39,557	$ 30,375
Total noninterest income	181,880	203,660	113,075
Expenses	458,290	375,581	277,992
Income tax benefit	45,460	49,508	32,509
Net income (loss)	181,272	195,457	144,678
Renasant Corporation
Income
Dividends from subsidiaries	101,764	75,907	72,042
Interest income from subsidiaries	14	39	28
Other dividends	278	270	260
Other income	236	354	919
Total noninterest income	102,292	76,570	73,249
Expenses	34,729	30,768	30,544
Income before income taxes	67,563	45,802	42,705
Income tax benefit	(8,701)	(7,842)	(7,577)
Equity in undistributed net income of subsidiaries	105,008	141,813	94,396
Net income (loss)	$ 181,272	$ 195,457	$ 144,678

Fair Value Measurements - Schedule of Carrying Amounts and Estimated Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financial assets
Securities held to maturity	$ 961,870	$ 1,002,544
Securities available for sale	2,560,818	831,013
Loans held for sale	265,959	246,171
Mortgage servicing rights	65,271	72,991	$ 91,688
Derivative instruments	21,867	34,505
Financial liabilities
Derivative instruments	17,650	28,550
Carrying Value
Financial assets
Cash and cash equivalents	1,070,718	1,092,032
Securities held to maturity	1,030,073	1,126,112
Securities available for sale	2,560,818	831,013
Loans held for sale	265,959	246,171
Loans, net	18,753,084	12,683,264
Mortgage servicing rights	65,271	72,991
Derivative instruments	47,098	38,954
Financial liabilities
Deposits	21,473,070	14,572,612
Short-term borrowings	555,774	108,018
Junior subordinated debentures	140,632	113,916
Subordinated notes	359,124	316,698
Derivative instruments	41,484	32,268
Fair Value
Financial assets
Cash and cash equivalents	1,070,718	1,092,032
Securities held to maturity	961,870	1,002,544
Securities available for sale	2,560,818	831,013
Loans held for sale	265,959	246,171
Loans, net	18,689,957	12,340,638
Mortgage servicing rights	80,537	96,290
Derivative instruments	47,098	38,954
Financial liabilities
Deposits	21,465,168	14,570,304
Short-term borrowings	555,774	108,018
Junior subordinated debentures	126,976	100,668
Subordinated notes	352,616	295,868
Derivative instruments	41,484	32,268
Fair Value \| Level 1
Financial assets
Cash and cash equivalents	1,070,718	1,092,032
Securities held to maturity	0	0
Securities available for sale	0	0
Loans held for sale	0	0
Loans, net	0	0
Mortgage servicing rights	0	0
Derivative instruments	0	0
Financial liabilities
Deposits	0
Short-term borrowings
Junior subordinated debentures	0	0
Subordinated notes	0	0
Derivative instruments	0	0
Fair Value \| Level 2
Financial assets
Cash and cash equivalents	0	0
Securities held to maturity	961,870	1,002,544
Securities available for sale	2,560,818	831,013
Loans held for sale	265,959	246,171
Loans, net	0	0
Mortgage servicing rights	0	0
Derivative instruments	47,098	38,954
Financial liabilities
Deposits	21,465,168	14,570,304
Short-term borrowings	555,774	108,018
Junior subordinated debentures	126,976	100,668
Subordinated notes	352,616	295,868
Derivative instruments	41,484	32,268
Fair Value \| Level 3
Financial assets
Cash and cash equivalents	0	0
Securities held to maturity	0	0
Securities available for sale	0	0
Loans held for sale	0	0
Loans, net	18,689,957	12,340,638
Mortgage servicing rights	80,537	96,290
Derivative instruments	0	0
Financial liabilities
Deposits	0	0
Short-term borrowings	0	0
Junior subordinated debentures	0	0
Subordinated notes	0	0
Derivative instruments	$ 0	$ 0

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Schedule of Components of the Provision for Income Taxes

Significant components of the provision for income taxes from continuing operations are as follows for the periods presented:


	Year Ended December 31,
	2025		2024		2023
Current
Federal	$	42,732	$	42,179	$	36,138
State	1,041		2,680		1,376
	43,773		44,859		37,514
Deferred
Federal	2,448		7,028		(1,187)
State	(761)		(2,379)		(3,818)

	1,687		4,649		(5,005)
	$	45,460	$	49,508	$	32,509

Schedule of Reconciliation of Income Taxes Computed at the United States Federal Statutory Tax Rates

The reconciliation of income taxes computed at the United States federal statutory tax rates to the provision for income taxes is as follows for the period presented in accordance with ASU 2023-09:


	Year Ended December 31,
	2025
	Amount		Rate
US federal statutory income tax rate	$	47,614	21.00	%
State and local income taxes, net of federal income tax effects(1)	236		0.10	%
Tax credits and related income tax effects
Low income housing tax credits and other tax benefits, net of proportional amortization(2)	(1,026)		(0.45)	%
Transferrable energy tax credits, net of cost(3)	(529)		(0.23)	%
Nontaxable or nondeductible items
Tax-exempt interest income	(3,226)		(1.42)	%
Bank-owned life insurance	(2,991)		(1.32)	%
Other	4,619		2.04	%
Changes in unrecognized tax benefits	(54)		(0.02)	%
Other adjustments	817		0.35	%
Effective income tax rate	$	45,460	20.05	%

(1) State taxes in Alabama and Tennessee make up the majority of this category

(2) Includes tax credits and related benefits of $5,371 and proportional amortization of $4,345

(3) Includes transferrable tax credits of $5,315 and related cost of $4,786


	Year Ended December 31,
	2024		2023
Tax at U.S. statutory rate	$	51,443	$	37,209
Increase (decrease) in taxes resulting from:
Tax-exempt interest income	(1,750)		(1,505)
BOLI income	(1,178)		(2,197)
Investment tax credits	(3,950)		(1,901)
Amortization of investment in low-income housing tax credits	2,851		1,741
State income tax expense, net of federal benefit	(262)		(1,929)
Nondeductible transaction costs	1,060		—

Other items, net	1,294		1,091
	$	49,508	$	32,509

Schedule of Cash Flow, Supplemental Disclosures


Income Tax Payments	2025
U.S. Federal	$	16,407
U.S. State
Mississippi	1,000
Other states	956
Total income taxes paid	$	18,363

Income taxes paid were $29,065 and $42,047 for the years ended December 31, 2024 and 2023, respectively.

Schedule of Significant Components of the Company's Deferred Tax Assets and Liabilities

Significant components of the Company’s deferred tax assets and liabilities are as follows for the periods presented:


	December 31,
	2025		2024
Deferred tax assets
Allowance for credit losses	$	78,819	$	53,349
Loans	36,497		—
Deferred compensation	22,792		15,695
Net unrealized losses on securities	47,059		47,199
Impairment of assets	1,466		874
Tax credits	12,304		8,781
Net operating loss carryforwards	21,725		2
Investments in partnerships	—		77
Lease liabilities under operating leases	14,228		12,423

Other	3,870		3,073


Total deferred tax assets	238,760		141,473
Deferred tax liabilities




Fixed assets	23,516		9,927
Mortgage servicing rights	13,447		15,841
Junior subordinated debt	1,607		1,452
Intangibles	37,159		3,652
Lease right-of-use asset	13,903		11,775
Loans	—		7,638
Other	3,580		4,153
Total deferred tax liabilities	93,212		54,438
Net deferred tax assets	$	145,548	$	87,035

Schedule of Reconciliation of the Beginning and Ending Amount of Unrecognized Tax Benefits, Excluding Interest

A reconciliation of the beginning and ending amount of unrecognized tax benefits, excluding interest, related to federal and state income tax matters as of December 31 follows below:


	2025		2024		2023
Balance at January 1	$	501	$	399	$	407
Additions based on positions related to current period	170		190		78



Reductions due to lapse of statute of limitations	(296)		(88)		(86)
Balance at December 31	$	375	$	501	$	399

Net Income Per Common Share - Schedule of Basic and Diluted Net Income Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Basic
Net income applicable to common stock	$ 181,272	$ 195,457	$ 144,678
Average common shares outstanding (in shares)	86,940,841	59,350,157	56,099,689
Net income per common share - basic (usd per share)	$ 2.09	$ 3.29	$ 2.58
Diluted
Net income applicable to common stock	$ 181,272	$ 195,457	$ 144,678
Average common shares outstanding (in shares)	86,940,841	59,350,157	56,099,689
Effect of dilutive stock-based compensation (in shares)	573,942	398,633	348,474
Average common shares outstanding - diluted (in shares)	87,514,783	59,748,790	56,448,163
Net income per common share - diluted (usd per share)	$ 2.07	$ 3.27	$ 2.56

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.

Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities, and addition from assumption of issuance of common shares for dilutive potential common shares; of income (loss) available to common shareholders.

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Instruments

12 Months Ended

Dec. 31, 2025

Derivative Instruments

(In Thousands)

The Company uses certain derivative instruments to meet the needs of customers as well as to manage the interest rate risk associated with certain transactions.

Non-hedge derivatives

The Company enters into derivative instruments that are not designated as hedging instruments to help its commercial customers manage their exposure to interest rate fluctuations. To mitigate the interest rate risk associated with these customer contracts, the Company enters into an offsetting derivative contract position. The Company manages its credit risk, or potential risk of default by its commercial customers, through credit limit approval and monitoring procedures.

The Company enters into interest rate lock commitments with its customers to mitigate the interest rate risk associated with the commitments to fund fixed-rate residential mortgage loans. The Company also enters into forward commitments to sell residential mortgage loans to secondary market investors.

The following table provides a summary of the Company’s derivatives not designated as hedging instruments as of the dates presented:


	Balance Sheet	December 31, 2025				December 31, 2024
	Location	Notional Amount		Fair Value		Notional Amount		Fair Value
Derivative assets:
Interest rate contracts	Other Assets	$	1,784,028	$	28,590	$	877,051	$	14,071
Interest rate lock commitments	Other Assets	92,881		1,419		64,365		861
Forward commitments	Other Assets	33,000		53		174,000		1,242
Totals		$	1,909,909	$	30,062	$	1,115,416	$	16,174
Derivative liabilities:
Interest rate contracts	Other Liabilities	$	1,784,028	$	28,595	$	880,371	$	14,094
Interest rate lock commitments	Other Liabilities	5,904		14		1,829		122
Forward commitments	Other Liabilities	196,000		593		52,000		86
Totals		$	1,985,932	$	29,202	$	934,200	$	14,302


	Year Ended December 31,
	2025		2024		2023
Interest rate contracts:
Included in interest income on loans	$	28,328	$	14,128	$	8,156

Interest rate lock commitments:
Included in mortgage banking income	667		(713)		319
Forward commitments
Included in mortgage banking income	(1,695)		3,718		(1,848)
Total	$	27,300	$	17,133	$	6,627

Derivatives designated as cash flow hedges

Cash flow hedge relationships mitigate exposure to the variability of future cash flows or other forecasted transactions. The Company uses both interest rate swap contracts and interest rate collars in an effort to manage future interest rate exposure on borrowings and loans, respectively. The swap hedging strategy manages the variable interest rate on the forecasted borrowings by using pay-fixed, receive-variable interest rate swaps. The collar hedging strategy limits the benefit to interest income when

rates exceed the cap but protects interest income from interest rate fluctuations below the floor strike rate. The Company expects the hedges to remain effective during the remaining terms of the swaps and collars, which run through March 2032.

The following table provides a summary of the Company’s derivatives designated as cash flow hedges as of the dates presented:


	Balance Sheet	December 31, 2025				December 31, 2024
	Location	Notional Amount		Fair Value		Notional Amount		Fair Value
Derivative assets:
Interest rate swaps	Other Assets	$	130,000	$	16,907	$	130,000	$	22,780
Interest rate collars	Other Assets	450,000		129		—		—
Totals		$	580,000	$	17,036	$	130,000	$	22,780
Derivative liabilities:
Interest rate swaps	Other Liabilities	$	—	$	—	$	—	$	—
Interest rate collars	Other Liabilities	—		—		450,000		598
Totals		$	—	$	—	$	450,000	$	598

The impact on other comprehensive income for the years ended December 31, 2025, 2024, and 2023, is described in Note 17, “Other Comprehensive Income (Loss).” The impact on earnings is reflected in interest income on loans and interest expense on borrowings in the Consolidated Statements of Income

Derivatives designated as fair value hedges

The Company enters into interest rate swap agreements to manage the fair value exposure on certain of the Company’s fixed-rate subordinated and fixed-rate available-for-sale securities. The agreements convert a fixed rate of interest to a variable rate of interest based on SOFR by using pay-variable, receive-fixed rate interest rate swaps. The Company expects the hedges to remain effective during the remaining terms of the swaps which run through September 2031.

The following table provides a summary of the Company’s derivatives designated as fair value hedges as of the dates presented:


	Balance Sheet	December 31, 2025				December 31, 2024
	Location	Notional Amount		Fair Value		Notional Amount		Fair Value



Derivative liabilities:
Interest rate swaps - subordinated notes	Other Liabilities	$	100,000	$	12,280	$	100,000	$	17,368
Interest rate swaps - securities	Other Liabilities	3,430		2		—		—
Totals		$	103,430	$	12,282	$	100,000	$	17,368

The following table presents the effects of the Company’s fair value hedge relationships on the Consolidated Statements of Income for the periods presented:


		Amount of Gain (Loss) Recognized in Income
	Income Statement	Year ended December 31,
	Location	2025		2024		2023
Derivative liabilities:
Interest rate swaps - subordinated notes	Interest Expense	$	5,089	$	(317)	$	2,737
Interest rate swaps - securities	Interest Income	6		—		—

Derivative liabilities - hedged items:
Interest rate swaps - subordinated notes	Interest Expense	$	(5,089)	$	317	$	(2,737)
Interest rate swaps - securities	Interest Income	(6)		—		—

The following table presents the amounts that were recorded in the Consolidated Balance Sheets related to cumulative basis adjustments for fair value hedges as of the dates presented:


	Carrying Amount of the Hedged Item				Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Item
Balance Sheet Location	December 31, 2025		December 31, 2024		December 31, 2025		December 31, 2024
Long-term debt	$	86,911	$	81,648	$	12,280	$	17,369
Securities available for sale	17,780		—		(6)		—

Credit Derivatives

The Company has both bought and sold credit protection in the form of risk participation agreements. These risk participations, which meet the definition of credit derivatives, were entered into in the ordinary course of business to help the Company’s commercial customers manage their exposure to interest rate fluctuations. Risk participations in which credit protection has been purchased entitle the Company to receive a payment from the counterparty if the customer fails to make payment on any amounts due to the Company upon early termination of the swap transaction. The Company’s bought risk participation agreements have a notional amount of $259,029 and maturities between 2028 and 2032. For contracts where the Company sold credit protection, it would be required to make payment to the counterparty if the customer fails to make payment on any amounts due to the counterparty upon early termination of the swap transaction. The Company’s sold risk participation agreements have a notional amount of $60,384 and have maturities between 2026 and 2032.

The maximum potential amount of future payments under these risk participation agreements as of December 31, 2025 was approximately $2,601. This scenario occurs if variable interest rates were at zero percent and all counterparties defaulted with zero recovery. The fair value of risk participation agreements at December 31, 2025 and 2024 was immaterial.

Offsetting

Certain financial instruments, including derivatives, may be eligible for offset in the consolidated balance sheet when the “right of setoff” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements; however, the Company has not elected to offset such financial instruments in the Consolidated Balance Sheets. Initial margin and variation margin is accounted for as collateral. When the Company posts cash for margin, it is recognized as a receivable. When margin is posted or received in the form of securities, there is no accounting recognition for the pledge of securities, unless there is an event of default by one of the parties to the agreement. For centrally cleared derivatives, variation margin is accounted for as settlement of the derivative fair value. The following table presents the Company’s gross derivative positions as recognized in the Consolidated Balance Sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement as of the dates presented:


	Offsetting Derivative Assets				Offsetting Derivative Liabilities
	December 31, 2025		December 31, 2024		December 31, 2025		December 31, 2024
Gross amounts recognized	$	21,867	$	34,505	$	17,650	$	28,550
Gross amounts offset in the consolidated balance sheets	—		—		—		—
Net amounts presented in the consolidated balance sheets	21,867		34,505		17,650		28,550
Gross amounts not offset in the consolidated balance sheets
Financial instruments - derivative assets available for offset	17,110		27,939		17,110		27,939
Financial collateral (cash) pledged	—		—		20		611
Net amounts	$	4,757	$	6,566	$	520	$	—

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

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Property, Plant and Equipment [Abstract]

Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of bank premises and equipment

Bank premises and equipment at December 31 are summarized as follows:


	2025		2024
Premises	$	426,121	$	262,536
Leasehold improvements	43,950		37,155
Furniture and equipment	84,941		70,197
Computer equipment	37,465		28,577
Transportation equipment	1,491		180
Lease right-of-use assets	55,920		46,811
Total	649,888		445,456
Accumulated depreciation	(184,747)		(165,660)
Net	$	465,141	$	279,796

Employee Benefit and Deferred Compensation Plans - Schedule of Amounts to be Amortized from AOCI (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Pension Benefits Renasant
Estimated costs that will be amortized from accumulated other comprehensive income into net periodic cost
Prior service cost	$ 0
Actuarial loss (gain)	436
Total	436
Other Benefits
Estimated costs that will be amortized from accumulated other comprehensive income into net periodic cost
Prior service cost	0
Actuarial loss (gain)	(140)
Total	$ (140)

Employee Benefit and Deferred Compensation Plans - Schedule of Future Estimated Benefit Payments (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Pension Benefits Renasant
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2026	$ 2,118
2027	1,957
2028	1,926
2029	1,857
2030	1,801
2031 - 2035	7,300
Other Benefits
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2026	50
2027	52
2028	38
2029	50
2030	42
2031 - 2035	$ 82

Mortgage Servicing Rights (Tables)

12 Months Ended

Dec. 31, 2025

Transfers and Servicing [Abstract]

Schedule of Changes in the Company's Mortgage Servicing Rights

Changes in the Company’s mortgage servicing rights (“MSRs”) were as follows, for the periods presented:


Carrying value at January 1, 2024	$	91,688

Sale of MSRs	(19,539)
Additions	10,195
Amortization	(9,353)

Carrying value at December 31, 2024	72,991

Sale of MSRs	(7,886)
Additions	9,144
Amortization	(8,978)

Carrying value at December 31, 2025	$	65,271

Schedule of Data and key Economic Assumptions Related to the Company's Mortgage Servicing Rights

Data and key economic assumptions related to the Company’s mortgage servicing rights as of December 31 are as follows:


	2025			2024			2023
Unpaid principal balance	$	5,648,033		$	6,008,937		$	7,826,182
Weighted-average prepayment speed (CPR)	10.90		%	9.48		%	8.77		%
Estimated impact of a 10% increase	$	(2,953)		$	(3,134)		$	(2,653)
Estimated impact of a 20% increase	(5,719)			(6,062)			(5,457)

Discount rate	9.85		%	11.05		%	10.85		%
Estimated impact of a 100bp increase	$	(3,199)		$	(3,809)		$	(4,753)
Estimated impact of a 200bp increase	(6,195)			(7,336)			(9,149)

Weighted-average coupon interest rate	4.59		%	4.29		%	3.88		%
Weighted-average servicing fee (basis points)	33.86			35.91			33.24
Weighted-average remaining maturity (in years)	6.80			7.30			7.50

Derivative Instruments - Schedule of Fair Value Hedge Impact on Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-Sale
Derivative [Line Items]
Carrying Amount of the Hedged Item	$ 17,780	$ 0
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Item	(6)	0
Long-term debt
Derivative [Line Items]
Carrying Amount of the Hedged Item	86,911	81,648
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Item	$ 12,280	$ 17,369

Goodwill and Other Intangible Assets - Schedule of Estimated Amortization Expense of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Finite-Lived Intangible Assets [Line Items]
2026	$ 31,592
2027	28,069
2028	23,820
2029	18,666
2030	15,313
Thereafter	29,152
Net Carrying Amount	146,612	$ 14,105
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
2026	30,732
2027	27,441
2028	23,337
2029	18,335
2030	15,169
Thereafter	29,152
Net Carrying Amount	144,166	10,611
Customer relationship intangible
Finite-Lived Intangible Assets [Line Items]
2026	860
2027	628
2028	483
2029	331
2030	144
Thereafter	0
Net Carrying Amount	$ 2,446	$ 3,494

Commitments, Contingent Liabilities and Financial Instruments with Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Unfunded loan commitments	$ 3,662,810	$ 2,856,308
Letters of credit outstanding	$ 122,367	$ 90,267

Short-Term Borrowings

12 Months Ended

Dec. 31, 2025

Short-Term Borrowings

(In Thousands)

Short-term borrowings as of December 31 are summarized as follows:


	2025		2024
Securities sold under agreements to repurchase	$	5,774	$	8,018

Federal Home Loan Bank short-term advances	550,000		100,000
Total short-term borrowings	$	555,774	$	108,018

Repurchase Agreements

Securities sold under agreements to repurchase (“repurchase agreements”) represent funds received from customers, generally on an overnight or continuous basis, which are collateralized by investment securities owned or, at times, borrowed and re-hypothecated by the Company. The securities used as collateral consist primarily of U.S. Government agency mortgage backed securities, U.S. Government agency collateralized mortgage obligations, obligations of U.S. Government agencies, and obligations of states and political subdivisions. All securities are maintained by the Company’s safekeeping agents. These securities are reviewed by the Company on a daily basis, and the Company may be required to provide additional collateral due to changes in the fair market value of these securities. The terms of the Company’s repurchase agreements are continuous but may be canceled at any time by the Company or the customer.

Federal Funds Purchased

Federal funds purchased, of which there were none outstanding at December 31, 2025 and 2024, are short term borrowings, generally overnight borrowings, between financial institutions that are generally used to maintain reserve requirements at the Federal Reserve Bank or elsewhere.

FHLB and Federal Reserve Discount Window

Short-term borrowings from the FHLB (i.e., advances with original maturities of less than one year) are used to meet anticipated short-term liquidity needs. The Company had availability on unused lines of credit with the FHLB of $5,574,759 at December 31, 2025. The Company also had credit available at the Federal Reserve Discount Window in the amount of $681,719.

The average balances and cost of funds of short-term borrowings for the years ending December 31 are summarized as follows:


	Average Balances						Cost of Funds
	2025		2024		2023		2025		2024		2023
Federal Home Loan Bank short-term advances	$	415,860	$	110,601	$	453,630	3.51	%	1.34	%	4.11	%

Federal funds purchased	5		5		25		4.63		2.05		6.34
Securities sold under agreements to repurchase	7,138		8,658		8,037		1.00		0.96		0.98
Total short-term borrowings	$	423,003	$	119,264	$	461,692	3.46	%	1.32	%	4.05	%

The Company maintains lines of credit with correspondent banks totaling $140,000 at December 31, 2025. Interest is charged at the market federal funds rate on all advances. There were no amounts outstanding under these lines of credit at December 31, 2025 or 2024.

Segment Reporting

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Segment Reporting

(In Thousands)

The operations of the Company’s reportable segments are described as follows:

•The Community Banks segment delivers a complete range of banking and financial services to individuals and small to medium-size businesses including checking and savings accounts, business and personal loans, asset-based lending, factoring, equipment leasing and treasury management services, as well as safe deposit and night depository facilities.

•The Wealth Management segment, through the Trust division, offers a broad range of fiduciary services including the administration (as trustee or in other fiduciary or representative capacities) of benefit plans, management of trust accounts, inclusive of personal and corporate benefit accounts and custodial accounts, as well as accounting and money management

for trust accounts. In addition, the Wealth Management segment, through the Financial Services division, provides specialized products and services to customers, which include fixed and variable annuities, mutual funds and other investment services through a third party broker-dealer. The Financial Services division also provides administrative and compliance services for certain mutual funds.

•The Company maintained an insurance segment through Renasant Insurance, Inc., which offered all lines of commercial and personal insurance through major carriers. Effective July 1, 2024, the Bank sold substantially all of the assets of Renasant Insurance, Inc.

The Company’s reportable segments are determined by the Chief Executive Officer, who is the designated chief operating decision maker (“CODM”), based upon information provided about the Company’s products and services. The CODM evaluates the financial performance of the segments by evaluating net income as the primary measure of segment performance, as well as revenue streams, significant expenses and budget to actual results, and the CODM provides guidance in strategy and the allocation of resources.

In order to give the CODM a more precise indication of the income and expenses controlled by each segment, the results of operations for each segment reflect its own direct revenues and expenses. Indirect revenues and expenses, including income from the Company’s investment portfolio, as well as certain costs associated with data processing and back office functions, primarily support the operations of the community banks and, therefore, are included in the results of the Community Banks segment. Included in “Other” are the operations of the holding company and other eliminations that are necessary for purposes of reconciling to the consolidated amounts. Accounting policies for each segment are the same as those described in Note 1, “Significant Accounting Policies.”

The following table provides financial information for the Company’s reportable operating segments as of and for the years ended December 31, 2025, 2024 and 2023. All capital expenditures for assets are attributed to the Community Banks segment.


	Community Banks		Insurance		Wealth Management		Total Segments		Other		Consolidated
2025
Total interest income	$	1,262,107	$	—	$	62	$	1,262,169	$	90	$	1,262,259
Total interest expense	427,215		—		—		427,215		31,075		458,290
Net interest income	834,892		—		62		834,954		(30,985)		803,969
Provision for credit losses	107,457		—		—		107,457		—		107,457
Noninterest income	148,434		—		35,388		183,822		(1,942)		181,880
Salaries and employee benefits	351,922		—		16,641		368,563		—		368,563
Net occupancy and equipment	62,641		—		910		63,551		100		63,651
Other segment expenses(1)	210,967		—		7,162		218,129		1,317		219,446
Income before income taxes	250,339		—		10,737		261,076		(34,344)		226,732
Income taxes	53,578		—		618		54,196		(8,736)		45,460
Net income (loss)	$	196,761	$	—	$	10,119	$	206,880	$	(25,608)	$	181,272
Total assets	$	26,739,293	$	—	$	8,344	$	26,747,637	$	3,789	$	26,751,426
Goodwill	1,405,840		—		—		1,405,840		—		1,405,840


	Community Banks		Insurance		Wealth Management		Total Segments		Other		Consolidated
2024
Total interest income	$	886,666	$	942	$	64	$	887,672	$	105	$	887,777
Total interest expense	348,199		—		—		348,199		27,382		375,581
Net interest income	538,467		942		64		539,473		(27,277)		512,196
Provision for credit losses	9,273		—		—		9,273		—		9,273
Noninterest income	172,877		6,473		25,873		205,223		(1,563)		203,660
Salaries and employee benefits	266,639		3,645		13,484		283,768		—		283,768
Net occupancy and equipment	44,989		163		808		45,960		—		45,960
Other segment expenses(2)	125,678		584		4,362		130,624		1,266		131,890
Income before income taxes	264,765		3,023		7,283		275,071		(30,106)		244,965
Income taxes	56,369		785		196		57,350		(7,842)		49,508
Net income (loss)	$	208,396	$	2,238	$	7,087	$	217,721	$	(22,264)	$	195,457
Total assets	$	18,033,458	$	—	$	3,392	$	18,036,850	$	(1,982)	$	18,034,868
Goodwill	988,898		—		—		988,898		—		988,898
2023
Total interest income	$	795,500	$	1,653	$	68	$	797,221	$	98	$	797,319
Total interest expense	251,026		—		—		251,026		26,966		277,992
Net interest income	544,474		1,653		68		546,195		(26,868)		519,327
Provision for credit losses	15,593		—		—		15,593		—		15,593
Noninterest income	76,130		12,578		25,311		114,019		(944)		113,075
Salaries and employee benefits	262,325		7,038		12,405		281,768		—		281,768
Net occupancy and equipment	45,303		438		730		46,471		—		46,471
Other segment expenses(3)	102,221		1,176		6,461		109,858		1,525		111,383
Income before income taxes	195,162		5,579		5,783		206,524		(29,337)		177,187
Income taxes	38,597		1,452		37		40,086		(7,577)		32,509
Net income (loss)	$	156,565	$	4,127	$	5,746	$	166,438	$	(21,760)	$	144,678
Total assets	$	17,313,704	$	40,405	$	6,590	$	17,360,699	$	(164)	$	17,360,535
Goodwill	988,898		2,767		—		991,665		—		991,665

(1) Other segment expenses for Community Banks include data processing, other real estate owned, legal and professional fees, advertising and public relations, intangible amortization, communications, merger and conversion-related expenses and other miscellaneous expenses. Other segment expenses for Wealth Management include data processing, legal and professional fees, advertising and public relations, intangible amortization, communications and other miscellaneous expenses.

(2) Other segment expenses for Community Banks include data processing, other real estate owned, legal and professional fees, advertising and public relations, intangible amortization, communications, merger and conversion-related expenses and other miscellaneous expenses. Other segment expenses for Insurance include data processing, legal and professional fees, advertising and public relations, communications and other miscellaneous expenses. Other segment expenses for Wealth Management include data processing, legal and professional fees, advertising and public relations, intangible amortization, communications and other miscellaneous expenses.

(3) Other segment expenses for Community Banks include data processing, other real estate owned, legal and professional fees, advertising and public relations, intangible amortization, communications and other miscellaneous expenses. Other segment expenses for Insurance include data processing, legal and professional fees, advertising and public relations, communications and other miscellaneous expenses. Other segment expenses for Wealth Management include data processing, legal and professional fees, advertising and public relations, intangible amortization, communications and other miscellaneous expenses.

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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Investments, Debt and Equity Securities [Abstract]

Deposits - Schedule of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Mortgage Banking [Abstract]
Noninterest-bearing deposits	$ 5,043,960	$ 3,403,981
Interest-bearing demand deposits	11,665,185	7,879,917
Savings deposits	1,280,031	809,430
Time deposits	3,483,894	2,479,284
Total deposits	$ 21,473,070	$ 14,572,612

Securities

12 Months Ended

Dec. 31, 2025

Securities

(In Thousands, Except Number of Securities)

The amortized cost and fair value of securities available for sale were as follows as of the dates presented:


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2025


Obligations of states and political subdivisions	$	266,553	$	8,012	$	(1,780)	$	272,785
Residential mortgage-backed securities:
Agency mortgage backed securities	793,154		5,670		(15,675)		783,149
Collateralized mortgage obligations	706,986		2,826		(57,908)		651,904
Commercial mortgage-backed securities:
Agency mortgage backed securities	100,314		285		(762)		99,837
Collateralized mortgage obligations	419,356		3,552		(18,120)		404,788

Other debt securities	349,132		1,537		(2,314)		348,355
	$	2,635,495	$	21,882	$	(96,559)	$	2,560,818


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2024


Obligations of states and political subdivisions	$	20,266	$	57	$	(2,269)	$	18,054
Residential mortgage-backed securities:
Agency mortgage backed securities	185,292		81		(24,468)		160,905
Collateralized mortgage obligations	475,311		75		(86,870)		388,516
Commercial mortgage-backed securities:
Agency mortgage backed securities	11,373		—		(751)		10,622
Collateralized mortgage obligations	146,510		41		(21,595)		124,956

Other debt securities	130,175		440		(2,655)		127,960

	$	968,927	$	694	$	(138,608)	$	831,013

The amortized cost and fair value of securities held to maturity were as follows as of the dates presented:


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2025
Obligations of states and political subdivisions	$	279,424	$	29	$	(29,516)	$	249,937
Residential mortgage-backed securities:
Agency mortgage backed securities	323,993		—		(10,030)		313,963
Collateralized mortgage obligations	320,258		—		(18,600)		301,658
Commercial mortgage-backed securities:
Agency mortgage backed securities	16,938		—		(2,059)		14,879
Collateralized mortgage obligations	42,079		—		(5,997)		36,082
Other debt securities	47,413		—		(2,062)		45,351
	$	1,030,105	$	29	$	(68,264)	$	961,870
Allowance for credit losses - held to maturity securities	(32)
Held-to-maturity securities, net of allowance for credit losses	$	1,030,073


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2024
Obligations of states and political subdivisions	$	284,542	$	3	$	(42,491)	$	242,054
Residential mortgage-backed securities:
Agency mortgage backed securities	372,414		—		(25,251)		347,163
Collateralized mortgage obligations	354,882		—		(41,506)		313,376
Commercial mortgage-backed securities:
Agency mortgage backed securities	16,961		—		(2,958)		14,003
Collateralized mortgage obligations	43,662		—		(7,317)		36,345
Other debt securities	53,683		—		(4,080)		49,603
	$	1,126,144	$	3	$	(123,603)	$	1,002,544
Allowance for credit losses - held to maturity securities	(32)
Held-to-maturity securities, net of allowance for credit losses	$	1,126,112

Available for sale securities sold were as follows for the years ended December 31, 2025, 2024 and 2023.

On April 1, 2025, the Company acquired available for sale securities with a fair value of $1,457,377 as part of the merger with The First. Shortly after the merger, certain securities from this portfolio were sold at carrying value, resulting in no gain or loss on the sale; no other securities were sold during 2025.


	Carrying Value		Net Proceeds		Gain/(Loss)
Twelve months ended December 31, 2025
Obligations of other U.S. Government agencies and corporations	$	34,394	$	34,394	$	—
Obligations of states and political subdivisions	327,509		327,509		—
Residential mortgage-backed securities:
Agency mortgage backed securities	275,910		275,910		—
Collateralized mortgage obligations	2,437		2,437		—
Commercial mortgage-backed securities:
Agency mortgage backed securities	6,541		6,541		—
Collateralized mortgage obligations	6,480		6,480		—

Other debt securities	33,214		33,214		—

	$	686,485	$	686,485	$	—


	Carrying Value		Net Proceeds		Gain/(Loss)
Twelve months ended December 31, 2024

Obligations of states and political subdivisions	$	11,360	$	11,360	$	—
Residential mortgage-backed securities:
Agency mortgage backed securities	95,922		95,922		—
Collateralized mortgage obligations	43,990		43,990		—
Commercial mortgage-backed securities:

Collateralized mortgage obligations	25,913		25,913		—



	$	177,185	$	177,185	$	—


	Carrying Value		Net Proceeds		Gain/(Loss)
Twelve months ended December 31, 2023
Obligations of other U.S. Government agencies and corporations	$	170,000	$	164,915	$	(5,085)
Obligations of states and political subdivisions	104,950		99,439		(5,511)
Residential mortgage-backed securities:
Agency mortgage backed securities	137,196		130,602		(6,594)
Collateralized mortgage obligations	54,028		51,101		(2,927)
Commercial mortgage-backed securities:
Agency mortgage backed securities	5,048		4,825		(223)
Collateralized mortgage obligations	40,197		38,099		(2,098)



	$	511,419	$	488,981	$	(22,438)

Gross realized gains and gross realized losses on sales of securities available for sale were as follows for the periods presented:


	Year Ended December 31,
	2025		2024(1)		2023
Gross gains on sales of securities available for sale	$	—	$	—	$	126
Gross losses on sales of securities available for sale	—		—		(22,564)
Losses on sales of securities available for sale, net	$	—	$	—	$	(22,438)

(1) Impairment of available for sale securities sold in January 2024 and recognized in December 2023 consisted of $5 of gross gains and $19,357 of gross losses.

At December 31, 2025 and 2024, securities with a carrying value of approximately $1,732,787 and $818,344, respectively, were pledged to secure government, public, trust, and other deposits. Securities with a carrying value of $9,023 and $18,732 were pledged as collateral for short-term borrowings and derivative instruments, respectively, at December 31, 2025. Securities with a carrying value of $13,083 and $12,443 were pledged as collateral for short-term borrowings and derivative instruments, respectively, at December 31, 2024.


	Held to Maturity				Available for Sale
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Due within one year	$	215	$	214	$	10,323	$	10,351
Due after one year through five years	9,734		9,272		72,225		72,645
Due after five years through ten years	179,864		162,361		128,007		129,427
Due after ten years	89,611		78,090		105,792		110,173
Residential mortgage-backed securities:
Agency mortgage backed securities	323,993		313,963		793,154		783,149
Collateralized mortgage obligations	320,258		301,658		706,986		651,904
Commercial mortgage-backed securities:
Agency mortgage backed securities	16,938		14,879		100,314		99,837
Collateralized mortgage obligations	42,079		36,082		419,356		404,788
Other debt securities	47,413		45,351		299,338		298,544

	$	1,030,105	$	961,870	$	2,635,495	$	2,560,818


	Less than 12 Months					12 Months or More					Total
	#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses
Available for Sale:
December 31, 2025

Obligations of states and political subdivisions	13	$	19,454	$	(445)	7	$	13,591	$	(1,335)	20	$	33,045	$	(1,780)
Residential mortgage-backed securities:
Agency mortgage backed securities	8	135,320		(903)		36	132,975		(14,772)		44	268,295		(15,675)
Collateralized mortgage obligations	2	24,816		(58)		37	299,606		(57,850)		39	324,422		(57,908)
Commercial mortgage-backed securities:
Agency mortgage backed securities	9	71,188		(395)		2	5,595		(367)		11	76,783		(762)
Collateralized mortgage obligations	12	40,387		(56)		25	102,206		(18,064)		37	142,593		(18,120)

Other debt securities	10	191,504		(1,347)		8	14,571		(967)		18	206,075		(2,314)

Total	54	$	482,669	$	(3,204)	115	$	568,544	$	(93,355)	169	$	1,051,213	$	(96,559)
December 31, 2024

Obligations of states and political subdivisions	—	$	—	$	—	7	$	12,841	$	(2,269)	7	$	12,841	$	(2,269)
Residential mortgage-backed securities:
Agency mortgage backed securities	7	11,051		(259)		34	141,321		(24,209)		41	152,372		(24,468)
Collateralized mortgage obligations	3	48,879		(482)		37	311,964		(86,388)		40	360,843		(86,870)
Commercial mortgage-backed securities:
Agency mortgage backed securities	2	5,248		(122)		2	5,375		(629)		4	10,623		(751)
Collateralized mortgage obligations	2	7,681		(39)		25	104,326		(21,556)		27	112,007		(21,595)

Other debt securities	2	22,357		(218)		17	30,801		(2,437)		19	53,158		(2,655)

Total	16	$	95,216	$	(1,120)	122	$	606,628	$	(137,488)	138	$	701,844	$	(138,608)


	Less than 12 months					12 months or more					Total
Held to Maturity:	#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses		#	Fair Value		Unrealized Losses
December 31, 2025
Obligations of states and political subdivisions	—	$	—	$	—	124	$	248,044	$	(29,516)	124	$	248,044	$	(29,516)
Residential mortgage-backed securities:
Agency mortgage backed securities	—	—		—		66	313,963		(10,030)		66	313,963		(10,030)
Collateralized mortgage obligations	—	—		—		18	301,657		(18,600)		18	301,657		(18,600)
Commercial mortgage-backed securities:
Agency mortgage backed securities	—	—		—		1	14,879		(2,059)		1	14,879		(2,059)
Collateralized mortgage obligations	—	—		—		9	36,083		(5,997)		9	36,083		(5,997)
Other debt securities	—	—		—		10	45,351		(2,062)		10	45,351		(2,062)
Total	—	$	—	$	—	228	$	959,977	$	(68,264)	228	$	959,977	$	(68,264)
December 31, 2024
Obligations of states and political subdivisions	—	$	—	$	—	128	$	240,394	$	(42,491)	128	$	240,394	$	(42,491)
Residential mortgage-backed securities:
Agency mortgage backed securities	—	—		—		69	347,154		(25,251)		69	347,154		(25,251)
Collateralized mortgage obligations	—	—		—		18	313,376		(41,506)		18	313,376		(41,506)
Commercial mortgage-backed securities:
Agency mortgage backed securities	—	—		—		1	14,002		(2,958)		1	14,002		(2,958)
Collateralized mortgage obligations	—	—		—		9	36,345		(7,317)		9	36,345		(7,317)
Other debt securities	—	—		—		10	49,603		(4,080)		10	49,603		(4,080)
Total	—	$	—	$	—	235	$	1,000,874	$	(123,603)	235	$	1,000,874	$	(123,603)

The Company does not intend to sell any of the securities in an unrealized loss position, and it is not more likely than not that the Company will be required to sell any such security prior to the recovery of its amortized cost basis, which may be maturity. Furthermore, more than 90% of available for sale securities have the explicit backing of the United States government or a guarantee from a government sponsored enterprise that has perceived credit risk the same as the U.S. government. Performance of these securities has been in line with broader market price performance indicating that increases in market-based, risk free rates, and not credit-related factors, are driving losses. For municipal and corporate securities, the Company considers historical experience with credit sensitive securities, current market conditions, the financial health of the issuer, current credit ratings, ratings changes and outlook, explicit and implicit guarantees, or insurance programs when determining the fair value of the contractual cash flows. Based on its review of these factors as of December 31, 2025 and 2024, the Company determined that all such losses resulted from factors not deemed credit related. As a result, no credit-related impairment was recognized in current earnings, and all unrealized losses for available for sale securities were recorded in Accumulated Other Comprehensive Income.

At each of December 31, 2025 and 2024, the allowance for credit losses on held to maturity securities was $32. The Company monitors the credit quality of debt securities held to maturity using bond investment grades assigned by third party ratings agencies. Updated investment grades are obtained as they become available from the agencies. On December 31, 2025, all debt securities held to maturity were rated A or higher by the ratings agencies. Accordingly, no additional credit loss was recorded for held to maturity securities.

Securities - Schedule of Amortized Cost and Fair Value, Held to Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 1,030,105	$ 1,126,144
Gross Unrealized Gains	29	3
Gross Unrealized Losses	(68,264)	(123,603)
Fair Value	961,870	1,002,544
Allowance for credit losses - held to maturity securities	(32)	(32)
Held-to-maturity securities, net of allowance for credit losses	1,030,073	1,126,112
Obligations of states and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	279,424	284,542
Gross Unrealized Gains	29	3
Gross Unrealized Losses	(29,516)	(42,491)
Fair Value	249,937	242,054
Residential mortgage-backed securities:
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	320,258	354,882
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(18,600)	(41,506)
Fair Value	301,658	313,376
Other debt securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	47,413	53,683
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,062)	(4,080)
Fair Value	45,351	49,603
Agency mortgage backed securities \| Residential mortgage-backed securities:
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	323,993	372,414
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(10,030)	(25,251)
Fair Value	313,963	347,163
Agency mortgage backed securities \| Commercial mortgage-backed securities:
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	16,938	16,961
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,059)	(2,958)
Fair Value	14,879	14,003
Collateralized mortgage obligations \| Commercial mortgage-backed securities:
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	42,079	43,662
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(5,997)	(7,317)
Fair Value	$ 36,082	$ 36,345

Premises and Equipment - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 21,087	$ 14,911	$ 14,881

Other Real Estate Owned - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Residential
Real Estate Properties [Line Items]
Amortized cost of loans in foreclosure	$ 10,552	$ 505

Derivative Instruments - Narrative (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Risk Participation Agreement
Derivative [Line Items]
Credit derivative, maximum potential amount of future payments	$ 2,601
Risk Participation Agreement, Purchased
Derivative [Line Items]
Derivative, notional amount	259,029
Risk Participation Agreement, Sold
Derivative [Line Items]
Derivative, notional amount	$ 60,384

Other Comprehensive Income (Loss) - Schedule of Changes in Components of OCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total other comprehensive income (loss), pre-tax	$ 70,669	$ 15,660	$ 73,229
Total other comprehensive income (loss), tax expense (benefit)	17,793	4,012	18,448
Other comprehensive income, net of tax	52,876	11,648	54,781
Securities available for sale:
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income gain (loss), before reclassifications, pre-tax	63,237	1,455	20,194
Other comprehensive income gain (loss) before reclassifications, tax expense (benefit)	15,890	381	5,066
Other comprehensive income gain (loss), before reclassifications, net of tax	47,347	1,074	15,128
Reclassification from AOCI, pre-tax			41,494
Reclassification from AOCI, tax expense (benefit)			10,431
Reclassification from AOCI, net of tax			31,063
Amortization of unrealized holding losses on securities transferred to held to maturity category, pre tax	11,571	12,731
Amortization of unrealized holding losses on securities transferred to held to maturity category, tax expense (benefit)	2,961	3,255
Amortization of unrealized holding losses on securities transferred to held to maturity category, net of tax	8,610	9,476
Total other comprehensive income (loss), pre-tax	74,808	14,186	75,245
Total other comprehensive income (loss), tax expense (benefit)	18,851	3,636	18,963
Other comprehensive income, net of tax	55,957	10,550	56,282
Amortization of unrealized holding losses on securities transferred to the held to maturity category
Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from AOCI, pre-tax			13,557
Reclassification from AOCI, tax expense (benefit)			3,466
Reclassification from AOCI, net of tax			10,091
Derivative instruments:
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income gain (loss), before reclassifications, pre-tax	(9,349)	(2,636)	(6,077)
Other comprehensive income gain (loss) before reclassifications, tax expense (benefit)	(2,389)	(675)	(1,553)
Other comprehensive income gain (loss), before reclassifications, net of tax	(6,960)	(1,961)	(4,524)
Reclassification from AOCI, pre-tax	4,203	3,144	3,519
Reclassification from AOCI, tax expense (benefit)	1,074	805	900
Reclassification from AOCI, net of tax	3,129	2,339	2,619
Total other comprehensive income (loss), pre-tax	(5,146)	508	(2,558)
Total other comprehensive income (loss), tax expense (benefit)	(1,315)	130	(653)
Other comprehensive income, net of tax	(3,831)	378	(1,905)
Net gain (loss) arising during the period
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income gain (loss), before reclassifications, pre-tax	610	543	80
Other comprehensive income gain (loss) before reclassifications, tax expense (benefit)	156	138	20
Other comprehensive income gain (loss), before reclassifications, net of tax	454	405	60
Amortization of net actuarial loss recognized in net periodic pension cost
Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from AOCI, pre-tax	397	423	462
Reclassification from AOCI, tax expense (benefit)	101	108	118
Reclassification from AOCI, net of tax	296	315	344
Total defined benefit pension and post-retirement benefit plans
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total other comprehensive income (loss), pre-tax	1,007	966	542
Total other comprehensive income (loss), tax expense (benefit)	257	246	138
Other comprehensive income, net of tax	$ 750	$ 720	$ 404

Other Comprehensive Income (Loss) (Tables)

12 Months Ended

Dec. 31, 2025

Equity [Abstract]

Schedule of Changes in the Components of Other Comprehensive Income (Loss)

Changes in the components of other comprehensive income (loss), net of tax, were as follows:


	Pre-Tax		Tax Expense (Benefit)		Net of Tax
Year Ended December 31, 2025
Securities available for sale:
Unrealized holding gains on securities	$	63,237	$	15,890	$	47,347



Amortization of unrealized holding losses on securities transferred to the held to maturity category	11,571		2,961		8,610
Total securities available for sale	74,808		18,851		55,957
Derivative instruments:
Unrealized holding losses on derivative instruments	(9,349)		(2,389)		(6,960)
Amounts reclassified into earnings	4,203		1,074		3,129
Total derivative instruments	(5,146)		(1,315)		(3,831)
Defined benefit pension and post-retirement benefit plans:
Net gain arising during the period	610		156		454


Amortization of net actuarial loss recognized in net periodic pension cost(1)	397		101		296

Total defined benefit pension and post-retirement benefit plans	1,007		257		750
Total other comprehensive income	$	70,669	$	17,793	$	52,876
Year Ended December 31, 2024
Securities available for sale:
Unrealized holding gains on securities	$	1,455	$	381	$	1,074


Amortization of unrealized holding losses on securities transferred to the held to maturity category	12,731		3,255		9,476
Total securities available for sale	14,186		3,636		10,550
Derivative instruments:
Unrealized holding losses on derivative instruments	(2,636)		(675)		(1,961)
Amounts reclassified into earnings	3,144		805		2,339
Total derivative instruments	508		130		378
Defined benefit pension and post-retirement benefit plans:
Net gain arising during the period	543		138		405


Amortization of net actuarial loss recognized in net periodic pension cost(1)	423		108		315

Total defined benefit pension and post-retirement benefit plans	966		246		720
Total other comprehensive income	$	15,660	$	4,012	$	11,648


	Pre-Tax		Tax Expense (Benefit)		Net of Tax
Year Ended December 31, 2023
Securities available for sale:
Unrealized holding gains on securities	$	20,194	$	5,066	$	15,128

Reclassification adjustment for gains realized in net income(2)	41,494		10,431		31,063
Amortization of unrealized holding losses on securities transferred to the held to maturity category	13,557		3,466		10,091
Total securities available for sale	75,245		18,963		56,282
Derivative instruments:
Unrealized holding losses on derivative instruments	(6,077)		(1,553)		(4,524)
Amounts reclassified into earnings	3,519		900		2,619
Total derivative instruments	(2,558)		(653)		(1,905)
Defined benefit pension and post-retirement benefit plans:
Net gain arising during the period	80		20		60


Amortization of net actuarial loss recognized in net periodic pension cost(1)	462		118		344


Total defined benefit pension and post-retirement benefit plans	542		138		404
Total other comprehensive income	$	73,229	$	18,448	$	54,781

(1) Included in Salaries and employee benefits in the Consolidated Statements of Income

(2) Included in Net losses on sales of securities and Impairment losses on securities in the Consolidated Statements of Income

Schedule of Accumulated Balances for Each Component of Other Comprehensive Income (Loss), Net of Tax

The accumulated balances for each component of other comprehensive loss, net of tax, at December 31 were as follows:


	2025		2024		2023
Unrealized losses on securities	$	(96,977)	$	(152,934)	$	(163,484)

Unrealized gains on derivative instruments	13,598		17,429		17,051
Unrecognized losses on defined benefit pension and post-retirement benefit plans obligations	(6,353)		(7,103)		(7,823)
Total accumulated other comprehensive loss	$	(89,732)	$	(142,608)	$	(154,256)

Securities - Schedule of Securities Sold (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Carrying Value	$ 686,485	$ 177,185	$ 511,419
Net Proceeds	686,485	177,185	488,981
Gain/(Loss) and Impairment recognized	0	0	(22,438)
Obligations of other U.S. Government agencies and corporations
Debt Securities, Available-for-sale [Line Items]
Carrying Value	34,394		170,000
Net Proceeds	34,394		164,915
Gain/(Loss) and Impairment recognized	0		(5,085)
Obligations of states and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Carrying Value	327,509	11,360	104,950
Net Proceeds	327,509	11,360	99,439
Gain/(Loss) and Impairment recognized	0	0	(5,511)
Residential mortgage-backed securities: \| Agency mortgage backed securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value	275,910	95,922	137,196
Net Proceeds	275,910	95,922	130,602
Gain/(Loss) and Impairment recognized	0	0	(6,594)
Residential mortgage-backed securities: \| Collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Carrying Value	2,437	43,990	54,028
Net Proceeds	2,437	43,990	51,101
Gain/(Loss) and Impairment recognized	0	0	(2,927)
Agency mortgage backed securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value		25,913
Net Proceeds		25,913
Gain/(Loss) and Impairment recognized		$ 0
Agency mortgage backed securities \| Agency mortgage backed securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value	6,541		5,048
Net Proceeds	6,541		4,825
Gain/(Loss) and Impairment recognized	0		(223)
Agency mortgage backed securities \| Collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Carrying Value	6,480		40,197
Net Proceeds	6,480		38,099
Gain/(Loss) and Impairment recognized	0		$ (2,098)
Other debt securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value	33,214
Net Proceeds	33,214
Gain/(Loss) and Impairment recognized	$ 0

Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2025

Banking and Thrift, Interest [Abstract]

Schedule of Guidelines Governing the Classification of Capital Tiers

Those guidelines specify capital tiers, which include the following classifications (which include the “capital conservation buffer” discussed below):

Capital Tiers

Tier 1 Capital to
Average Assets
(Leverage)

Common Equity Tier 1 to
Risk - Weighted Assets

Tier 1 Capital to
Risk – Weighted
Assets

Total Capital to
Risk – Weighted
Assets

Well capitalized

5% or above

6.5% or above

8% or above

10% or above

Adequately capitalized

4% or above

4.5% or above

6% or above

8% or above

Undercapitalized

Less than 4%

Less than 4.5%

Less than 6%

Less than 8%

Significantly undercapitalized

Less than 3%

Less than 4%

Less than 6%

Critically undercapitalized

Tangible Equity / Total Assets less than 2%

Schedule of Capital and Risk-based Capital and Leverage Ratios

The following table provides the capital and risk-based capital and leverage ratios for the Company and for Renasant Bank as of December 31:


	2025				2024
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	2,424,528	9.61	%	$	1,935,522	11.34	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	2,424,528		11.24	%	1,825,197		12.73	%
Tier 1 Capital to Risk-Weighted Assets	2,424,528		11.24	%	1,935,522		13.50	%
Total Capital to Risk-Weighted Assets	3,190,074		14.78	%	2,449,129		17.08	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	2,590,284	10.28	%	$	1,843,123	10.80	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	2,590,284		12.00	%	1,843,123		12.85	%
Tier 1 Capital to Risk-Weighted Assets	2,590,284		12.00	%	1,843,123		12.85	%
Total Capital to Risk-Weighted Assets	2,860,621		13.25	%	2,022,737		14.10	%

Employee Benefit and Deferred Compensation Plans - Schedule of Restricted Stock (Details)	12 Months Ended
	Dec. 31, 2025 $ / shares shares
Performance- Based Restricted Stock
Summary of the changes in performance based stock
Nonvested at beginning of year (shares) \| shares	203,115
Awarded (shares) \| shares	75,644
Converted (shares) \| shares	0
Vested (shares) \| shares	(83,412)
Forfeited and cancelled (shares) \| shares	0
Nonvested at end of year (shares) \| shares	195,347
Weighted Average Grant-Date Fair Value
Nonvested at beginning of year (usd per share) \| $ / shares	$ 34.32
Awarded (usd per share) \| $ / shares	36.17
Vested (usd per share) \| $ / shares	35.49
Converted (usd per share) \| $ / shares	0
Forfeited and cancelled (usd per share) \| $ / shares	0
Nonvested at ending of year (usd per share) \| $ / shares	$ 34.54
Time- Based Restricted Stock
Summary of the changes in performance based stock
Nonvested at beginning of year (shares) \| shares	801,181
Awarded (shares) \| shares	344,521
Converted (shares) \| shares	426,321
Vested (shares) \| shares	(351,913)
Forfeited and cancelled (shares) \| shares	(11,917)
Nonvested at end of year (shares) \| shares	1,208,193
Weighted Average Grant-Date Fair Value
Nonvested at beginning of year (usd per share) \| $ / shares	$ 35.08
Awarded (usd per share) \| $ / shares	35.26
Vested (usd per share) \| $ / shares	35.94
Converted (usd per share) \| $ / shares	33.93
Forfeited and cancelled (usd per share) \| $ / shares	35.23
Nonvested at ending of year (usd per share) \| $ / shares	$ 34.48

Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of Financial Information for the Company's Operating Segments


	Community Banks		Insurance		Wealth Management		Total Segments		Other		Consolidated
2025
Total interest income	$	1,262,107	$	—	$	62	$	1,262,169	$	90	$	1,262,259
Total interest expense	427,215		—		—		427,215		31,075		458,290
Net interest income	834,892		—		62		834,954		(30,985)		803,969
Provision for credit losses	107,457		—		—		107,457		—		107,457
Noninterest income	148,434		—		35,388		183,822		(1,942)		181,880
Salaries and employee benefits	351,922		—		16,641		368,563		—		368,563
Net occupancy and equipment	62,641		—		910		63,551		100		63,651
Other segment expenses(1)	210,967		—		7,162		218,129		1,317		219,446
Income before income taxes	250,339		—		10,737		261,076		(34,344)		226,732
Income taxes	53,578		—		618		54,196		(8,736)		45,460
Net income (loss)	$	196,761	$	—	$	10,119	$	206,880	$	(25,608)	$	181,272
Total assets	$	26,739,293	$	—	$	8,344	$	26,747,637	$	3,789	$	26,751,426
Goodwill	1,405,840		—		—		1,405,840		—		1,405,840


	Community Banks		Insurance		Wealth Management		Total Segments		Other		Consolidated
2024
Total interest income	$	886,666	$	942	$	64	$	887,672	$	105	$	887,777
Total interest expense	348,199		—		—		348,199		27,382		375,581
Net interest income	538,467		942		64		539,473		(27,277)		512,196
Provision for credit losses	9,273		—		—		9,273		—		9,273
Noninterest income	172,877		6,473		25,873		205,223		(1,563)		203,660
Salaries and employee benefits	266,639		3,645		13,484		283,768		—		283,768
Net occupancy and equipment	44,989		163		808		45,960		—		45,960
Other segment expenses(2)	125,678		584		4,362		130,624		1,266		131,890
Income before income taxes	264,765		3,023		7,283		275,071		(30,106)		244,965
Income taxes	56,369		785		196		57,350		(7,842)		49,508
Net income (loss)	$	208,396	$	2,238	$	7,087	$	217,721	$	(22,264)	$	195,457
Total assets	$	18,033,458	$	—	$	3,392	$	18,036,850	$	(1,982)	$	18,034,868
Goodwill	988,898		—		—		988,898		—		988,898
2023
Total interest income	$	795,500	$	1,653	$	68	$	797,221	$	98	$	797,319
Total interest expense	251,026		—		—		251,026		26,966		277,992
Net interest income	544,474		1,653		68		546,195		(26,868)		519,327
Provision for credit losses	15,593		—		—		15,593		—		15,593
Noninterest income	76,130		12,578		25,311		114,019		(944)		113,075
Salaries and employee benefits	262,325		7,038		12,405		281,768		—		281,768
Net occupancy and equipment	45,303		438		730		46,471		—		46,471
Other segment expenses(3)	102,221		1,176		6,461		109,858		1,525		111,383
Income before income taxes	195,162		5,579		5,783		206,524		(29,337)		177,187
Income taxes	38,597		1,452		37		40,086		(7,577)		32,509
Net income (loss)	$	156,565	$	4,127	$	5,746	$	166,438	$	(21,760)	$	144,678
Total assets	$	17,313,704	$	40,405	$	6,590	$	17,360,699	$	(164)	$	17,360,535
Goodwill	988,898		2,767		—		991,665		—		991,665

Audit Information	12 Months Ended
Audit Information	Dec. 31, 2025
Audit Information [Abstract]
Auditor Name	BDO USA, P.C (formerly Horne LLP)
Auditor Location	Memphis, TN
Auditor Firm ID	243

Fair Value Measurements - Schedule of Fair Value of Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financial assets:
Securities available for sale	$ 2,560,818	$ 831,013
Derivative instruments	21,867	34,505
Financial liabilities:
Derivative instruments	17,650	28,550
Recurring
Financial assets:
Derivative instruments	47,098	38,954
Mortgage loans held for sale in loans held for sale	265,959	246,171
Total financial assets	2,873,875	1,116,138
Financial liabilities:
Derivative instruments	41,484	32,268
Recurring \| Securities available for sale
Financial assets:
Securities available for sale	2,560,818	831,013
Recurring \| Level 1
Financial assets:
Derivative instruments	0	0
Mortgage loans held for sale in loans held for sale	0	0
Total financial assets	0	0
Financial liabilities:
Derivative instruments	0	0
Recurring \| Level 1 \| Securities available for sale
Financial assets:
Securities available for sale	0	0
Recurring \| Level 2
Financial assets:
Derivative instruments	47,098	38,954
Mortgage loans held for sale in loans held for sale	265,959	246,171
Total financial assets	2,873,875	1,116,138
Financial liabilities:
Derivative instruments	41,484	32,268
Recurring \| Level 2 \| Securities available for sale
Financial assets:
Securities available for sale	2,560,818	831,013
Recurring \| Level 3
Financial assets:
Derivative instruments	0	0
Mortgage loans held for sale in loans held for sale	0	0
Total financial assets	0	0
Financial liabilities:
Derivative instruments	0	0
Recurring \| Level 3 \| Securities available for sale
Financial assets:
Securities available for sale	$ 0	$ 0

Significant Accounting Policies (Details) - lease_renewal_option	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable, Impaired [Line Items]
Number of days past due for discontinued recognition of interest on mortgage and commercial loans	90 days
Number of days past due when consumer and other retail loans charged off	120 days
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Property, Plant, and Equipment and Operating Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization	Property, Plant, and Equipment and Operating Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Number of renewal options (1 or more)	1
Lock in period for interest rates	45 days
Premises
Financing Receivable, Impaired [Line Items]
Property, plant and equipment, useful life	40 years
Minimum
Financing Receivable, Impaired [Line Items]
Renewal term	1 year
Minimum \| Furniture and equipment
Financing Receivable, Impaired [Line Items]
Property, plant and equipment, useful life	3 years
Minimum \| Computer equipment
Financing Receivable, Impaired [Line Items]
Property, plant and equipment, useful life	3 years
Minimum \| Commercial loans
Financing Receivable, Impaired [Line Items]
Maturity term	2 years
Minimum \| Residential \| Construction and land development
Financing Receivable, Impaired [Line Items]
Maturity term	6 months
Minimum \| Other \| Construction and land development
Financing Receivable, Impaired [Line Items]
Maturity term	24 months
Maximum
Financing Receivable, Impaired [Line Items]
Renewal term	20 years
Maximum \| Furniture and equipment
Financing Receivable, Impaired [Line Items]
Property, plant and equipment, useful life	7 years
Maximum \| Computer equipment
Financing Receivable, Impaired [Line Items]
Property, plant and equipment, useful life	5 years
Maximum \| Commercial loans
Financing Receivable, Impaired [Line Items]
Maturity term	5 years
Maximum \| Residential \| Construction and land development
Financing Receivable, Impaired [Line Items]
Maturity term	12 months
Maximum \| Other \| Construction and land development
Financing Receivable, Impaired [Line Items]
Maturity term	36 months

Securities - Schedule of Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Amortized Cost
Due within one year	$ 215
Due after one year through five years	9,734
Due after five years through ten years	179,864
Due after ten years	89,611
Amortized Cost	1,030,105	$ 1,126,144
Fair Value
Due within one year	214
Due after one year through five years	9,272
Due after five years through ten years	162,361
Due after ten years	78,090
Fair Value	961,870	1,002,544
Amortized Cost
Due within one year	10,323
Due after one year through five years	72,225
Due after five years through ten years	128,007
Due after ten years	105,792
Amortized Cost	2,635,495	968,927
Fair Value
Due within one year	10,351
Due after one year through five years	72,645
Due after five years through ten years	129,427
Due after ten years	110,173
Fair Value	2,560,818	831,013
Residential mortgage-backed securities:
Amortized Cost
Amortized Cost	320,258	354,882
Fair Value
Fair Value	301,658	313,376
Other debt securities
Amortized Cost
Without single maturity date, amortized cost	47,413
Amortized Cost	47,413	53,683
Fair Value
Without single maturity date, fair value	45,351
Fair Value	45,351	49,603
Amortized Cost
Without single maturity date, amortized cost	299,338
Amortized Cost	349,132	130,175
Fair Value
Without single maturity date, fair value	298,544
Fair Value	348,355	127,960
Agency mortgage backed securities \| Residential mortgage-backed securities:
Amortized Cost
Without single maturity date, amortized cost	323,993
Amortized Cost	323,993	372,414
Fair Value
Without single maturity date, fair value	313,963
Fair Value	313,963	347,163
Amortized Cost
Without single maturity date, amortized cost	793,154
Amortized Cost	793,154	185,292
Fair Value
Without single maturity date, fair value	783,149
Fair Value	783,149	160,905
Agency mortgage backed securities \| Commercial mortgage-backed securities:
Amortized Cost
Without single maturity date, amortized cost	16,938
Amortized Cost	16,938	16,961
Fair Value
Without single maturity date, fair value	14,879
Fair Value	14,879	14,003
Amortized Cost
Without single maturity date, amortized cost	100,314
Amortized Cost	100,314	11,373
Fair Value
Without single maturity date, fair value	99,837
Fair Value	99,837	10,622
Collateralized mortgage obligations \| Residential mortgage-backed securities:
Amortized Cost
Without single maturity date, amortized cost	320,258
Fair Value
Without single maturity date, fair value	301,658
Amortized Cost
Without single maturity date, amortized cost	706,986
Amortized Cost	706,986	475,311
Fair Value
Without single maturity date, fair value	651,904
Fair Value	651,904	388,516
Collateralized mortgage obligations \| Commercial mortgage-backed securities:
Amortized Cost
Without single maturity date, amortized cost	42,079
Amortized Cost	42,079	43,662
Fair Value
Without single maturity date, fair value	36,082
Fair Value	36,082	36,345
Amortized Cost
Without single maturity date, amortized cost	419,356
Amortized Cost	419,356	146,510
Fair Value
Without single maturity date, fair value	404,788
Fair Value	$ 404,788	$ 124,956

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Statement of Financial Position [Abstract]
Allowance for credit losses - held to maturity securities	$ 32	$ 32
Securities held to maturity	961,870	1,002,544
Amortized cost	$ 2,635,495	$ 968,927
Preferred stock, par value (usd per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (usd per share)	$ 5.00	$ 5.00
Common stock, shares authorized (in shares)	250,000,000	150,000,000
Common stock, shares issued (in shares)	97,722,397	66,484,225
Common stock, shares outstanding (in shares)	94,636,207	63,565,690
Treasury stock (in shares)	3,086,190	2,918,535

Premises and Equipment

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Premises and Equipment

(In Thousands)

Bank premises and equipment at December 31 are summarized as follows:


	2025		2024
Premises	$	426,121	$	262,536
Leasehold improvements	43,950		37,155
Furniture and equipment	84,941		70,197
Computer equipment	37,465		28,577
Transportation equipment	1,491		180
Lease right-of-use assets	55,920		46,811
Total	649,888		445,456
Accumulated depreciation	(184,747)		(165,660)
Net	$	465,141	$	279,796

Depreciation expense was $21,087, $14,911 and $14,881 for the years ended December 31, 2025, 2024 and 2023, respectively.

See Note 24, “Leases,” for further details regarding the Company’s right-of-use assets.

Long-Term Debt - Schedule of Notes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Nov. 23, 2021	Sep. 03, 2020	Aug. 22, 2016
Debt Instrument [Line Items]
Debt outstanding	$ 140,632
Subordinated notes
Debt Instrument [Line Items]
Debt issuance costs	(12,280)
Fair value adjustment	(1,996)
Total subordinated debt	$ 359,124
Fixed to Floating Transition Date, September 1, 2026 \| Subordinated notes
Debt Instrument [Line Items]
Initial principal				$ 40,000
Fixed rate	5.50%
Spread (in bps)	4.071%
Debt outstanding	$ 40,000
Fixed to Floating Transition Date, September 15, 2030 \| Subordinated notes
Debt Instrument [Line Items]
Initial principal			$ 100,000
Fixed rate	4.50%
Spread (in bps)	4.025%
Debt outstanding	$ 100,000
Fixed to Floating Transition Date, December 1, 2026 \| Subordinated notes
Debt Instrument [Line Items]
Initial principal		$ 200,000
Fixed rate	3.00%
Spread (in bps)	1.91%
Debt outstanding	$ 196,400
Fixed to Floating Transition Date, May 1 ,2028 \| Subordinated notes
Debt Instrument [Line Items]
Initial principal		$ 37,000
Fixed rate	6.40%
Spread (in bps)	3.39%
Debt outstanding	$ 37,000

Fair Value Measurements - Schedule of Measurement of OREO (Details) - Nonrecurring - Level 3 - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
OREO measured at fair value on a nonrecurring basis
Carrying amount prior to remeasurement	$ 4,182
Impairment recognized in results of operations	(644)	$ 0
Fair value	$ 3,538

Loans

12 Months Ended

Dec. 31, 2025

Employee Benefit and Deferred Compensation Plans

Loans

(In Thousands, Except Number of Loans)

The following is a summary of loans and leases, excluding loans held for sale, at December 31:


	2025		2024
Commercial and industrial	$	2,818,326	$	1,976,286
Construction and land development
Residential	382,773		256,661
Other	1,522,863		1,065,148
Total construction and land development	1,905,636		1,321,809
Real estate - 1-4 family mortgage
First lien	3,844,097		2,805,693
Junior lien	52,943		25,441
Home equity	737,993		544,160
Total real estate – 1-4 family mortgage	4,635,033		3,375,294
Commercial real estate - owner occupied	3,334,664		1,894,679
Commercial real estate - non-owner occupied
Multi family	1,392,779		985,037
Other	4,852,701		3,241,901
Total commercial real estate - non-owner occupied	6,245,480		4,226,938
Consumer	107,900		90,014
Loans, net of unearned income	19,047,039		12,885,020

The Company had unearned income of $5,152 and $4,480, unamortized net deferred (fees) costs of $(1,900) and $8,484, and unamortized purchase accounting discounts, net of premiums, of $161,591 and $4,804, at December 31, 2025 and 2024, respectively. As of December 31, 2025 and 2024, the Company has accrued interest receivable for loans of $54,395 and $54,804, respectively, which is recorded in the “Other assets” line item on the Consolidated Balance Sheets. Interest on nonaccrual loans for the years ended December 31, 2025 and 2024 was immaterial.

Past Due and Nonaccrual Loans

The following table provides nonaccrual loans and an aging of accruing past due loans, segregated by class, as of the dates presented:


	Accruing Loans
	30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Accruing Loans		Nonaccruing Loans		Total Loans
December 31, 2025
Commercial and industrial	$	6,580	$	109	$	2,783,744	$	2,790,433	$	27,893	$	2,818,326
Construction and land development
Residential	59		—		380,681		380,740		2,033		382,773
Other	676		158		1,516,490		1,517,324		5,539		1,522,863
Total construction and land development	735		158		1,897,171		1,898,064		7,572		1,905,636
Real estate - 1-4 family mortgage
First lien	55,636		—		3,727,587		3,783,223		60,874		3,844,097
Junior lien	743		7		50,717		51,467		1,476		52,943
Home equity	3,885		—		731,034		734,919		3,074		737,993
Total real estate – 1-4 family mortgage	60,264		7		4,509,338		4,569,609		65,424		4,635,033
Commercial real estate - owner occupied	9,109		—		3,294,252		3,303,361		31,303		3,334,664
Commercial real estate - non-owner occupied
Multi family	—		—		1,391,994		1,391,994		785		1,392,779
Other	11,595		—		4,798,496		4,810,091		42,610		4,852,701
Total commercial real estate - non-owner occupied	11,595		—		6,190,490		6,202,085		43,395		6,245,480
Consumer	879		14		106,864		107,757		143		107,900
Loans, net of unearned income	$	89,162	$	288	$	18,781,859	$	18,871,309	$	175,730	$	19,047,039


	Accruing Loans
	30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Accruing Loans		Nonaccruing Loans		Total Loans
December 31, 2024
Commercial and industrial	$	836	$	125	$	1,969,367	$	1,970,328	$	5,958	$	1,976,286
Construction and land development
Residential	2,194		—		253,244		255,438		1,223		256,661
Other	167		1,913		1,059,917		1,061,997		3,151		1,065,148
Total construction and land development	2,361		1,913		1,313,161		1,317,435		4,374		1,321,809
Real estate - 1-4 family mortgage
First lien	29,755		12		2,721,625		2,751,392		54,301		2,805,693
Junior lien	46		—		24,283		24,329		1,112		25,441
Home equity	3,186		35		537,570		540,791		3,369		544,160
Total real estate – 1-4 family mortgage	32,987		47		3,283,478		3,316,512		58,782		3,375,294
Commercial real estate - owner occupied	2,650		365		1,879,350		1,882,365		12,314		1,894,679
Commercial real estate - non-owner occupied
Multi family	—		—		985,037		985,037		—		985,037
Other	326		—		3,212,295		3,212,621		29,280		3,241,901
Total commercial real estate - non-owner occupied	326		—		4,197,332		4,197,658		29,280		4,226,938
Consumer	682		14		89,215		89,911		103		90,014
Loans, net of unearned income	$	39,842	$	2,464	$	12,731,903	$	12,774,209	$	110,811	$	12,885,020

Certain Modifications to Borrowers Experiencing Financial Difficulty


	Twelve months ended December 31, 2025
	Interest Rate Reduction		Term Extension		Payment Delay		Term Extension and Payment Delay		Interest Rate Reduction and Term Extension		Interest Rate Reduction and Payment Delay		Total		% of Loans
Commercial and industrial	$	—	$	27,470	$	364	$	165	$	—	$	457	$	28,456	1.01	%
Construction and land development
Residential	—		—		—		—		—		—		—		—
Other	—		31		—		—		—		—		31		—
Total construction and land development	—		31		—		—		—		—		31		—
Real estate - 1-4 family mortgage
First lien	—		45		161		161		—		—		367		0.01	%
Junior lien	—		—		—		—		—		—		—		—
Home equity	—		39		152		148		—		—		339		0.05
Total real estate – 1-4 family mortgage	—		84		313		309		—		—		706		0.02
Commercial real estate - owner occupied	997		1,665		—		—		139		—		2,801		0.08
Commercial real estate - non-owner occupied
Multi family	—		—		—		—		—		—		—		—
Other	—		2,037		294		481		351		—		3,163		0.07
Total commercial real estate - non-owner occupied	—		2,037		294		481		351		—		3,163		0.05
Consumer	—		81		7		12		—		—		100		0.09
Loans, net of unearned income	$	997	$	31,368	$	978	$	967	$	490	$	457	$	35,257	0.19	%


	Twelve months ended December 31, 2024
	Interest Rate Reduction		Term Extension		Payment Delay		Term Extension and Payment Delay		Interest Rate Reduction and Term Extension		Interest Rate Reduction, Term Extension and Payment Delay		Interest Rate Reduction and Payment Delay		Total		% Total Loans
Commercial and industrial	$	3,215	$	67	$	47	$	405	$	—	$	113	$	—	$	3,847	0.19	%
Construction and land development
Residential	—		—		—		—		—		—		—		—		—
Other	—		—		—		—		—		—		—		—		—
Total construction and land development	—		—		—		—		—		—		—		—		—
Real estate - 1-4 family mortgage
First lien	—		58		2,046		—		—		—		204		2,308		0.08
Junior lien	—		33		—		—		—		—		—		33		0.13
Home equity	—		103		—		—		—		—		—		103		0.02
Total real estate – 1-4 family mortgage	—		194		2,046		—		—		—		204		2,444		0.07
Commercial real estate - owner occupied	6,948		1,249		204		232		252		—		—		8,885		0.47
Commercial real estate - non-owner occupied
Multi family	—		—		—		—		—		—		—		—		—
Other	—		19,288		79		—		—		—		—		19,367		0.60
Total commercial real estate - non-owner occupied	—		19,288		79		—		—		—		—		19,367		0.46
Consumer	—		—		13		—		—		3		—		16		0.02
Loans, net of unearned income	$	10,163	$	20,798	$	2,389	$	637	$	252	$	116	$	204	$	34,559	0.27	%

The following tables present the weighted average financial effect of loan modifications by class of financing receivable for the periods presented.

Twelve months ended December 31, 2025

Loan Type

Financial Effect

Interest Rate Reduction

Commercial real estate - owner occupied

Reduced the interest rate 485 basis points

Term Extension

Commercial and industrial

Extended the term 12 months

Construction and land development - Other

Extended the term 60 months

Real estate - 1-4 family mortgage - First lien

Extended the term 12 months

Real estate - 1-4 family mortgage - Home equity

Extended the term 56 months

Commercial real estate - owner occupied

Extended the term 7 months

Commercial real estate - non-owner occupied - Other

Extended the term 12 months

Consumer

Extended the term 124 months

Payment Delay

Commercial and industrial

Delayed the payment 14 months

Real estate - 1-4 family mortgage - First lien

Delayed the payment 16 months

Real estate - 1-4 family mortgage - Home equity

Delayed the payment 52 months

Commercial real estate - non-owner occupied - Other

Delayed the payment 6 months

Consumer

Delayed the payment 23 months

Combination - Term Extension and Payment Delay

Commercial and industrial

Extended the term and delayed the payment 29 months

Real estate - 1-4 family mortgage - First lien

Extended the term and delayed the payment 11 months

Real estate - 1-4 family mortgage - Home equity

Extended the term and delayed the payment 69 months

Commercial real estate - non-owner occupied - Other

Extended the term and delayed the payment 15 months

Consumer

Extended the term and delayed the payment 45 months

Combination - Interest Rate Reduction and Term Extension

Commercial real estate - owner occupied

Reduced the interest rate 45 basis points and extended the term 80 months

Commercial real estate - non-owner occupied - Other

Reduced the interest rate 45 basis points and extended the term 81 months

Combination - Interest Rate Reduction and Payment Delay

Commercial and industrial

Reduced the interest rate 150 basis points and delayed the payment 60 months

Twelve months ended December 31, 2024

Loan Type

Financial Effect

Interest Rate Reduction

Commercial and industrial

Reduced the interest rate 46 basis points

Commercial real estate - owner occupied

Reduced the interest rate 47 basis points

Term Extension

Commercial and industrial

Extended the term 8 months

Real estate - 1-4 family mortgage - First lien

Extended the term 39 months

Real estate - 1-4 family mortgage - Junior lien

Extended the term 24 months

Real estate - 1-4 family mortgage - Home equity

Extended the term 16 months

Commercial real estate - owner occupied

Extended the term 8 months

Commercial real estate - non-owner occupied - Other

Extended the term 18 months

Payment Delay

Commercial and industrial

Delayed the payment 8 months

Real estate - 1-4 family mortgage - First lien

Delayed the payment 42 months

Commercial real estate - owner occupied

Delayed the payment 40 months

Commercial real estate - non-owner occupied - Other

Delayed the payment 9 months

Consumer

Delayed the payment 17 months

Combination - Term Extension and Payment Delay

Commercial and industrial

Extended the term and delayed the payment 42 months

Commercial real estate - owner occupied

Extended the term and delayed the payment 9 months

Combination - Interest Rate Reduction and Term Extension

Commercial real estate - owner occupied

Reduced the interest rate 275 basis points and extended the term 21 months

Combination - Interest Rate Reduction and Payment Delay

Real estate - 1-4 family mortgage - First lien

Reduced the interest rate 25 basis points and delayed the payment 51 months

Combination - Interest Rate Reduction, Term Extension and
Payment Delay

Commercial and industrial

Reduced the interest rate 181 basis points and extended the term and delayed the payment 59 months

Consumer

Reduced the interest rate 460 basis points and extended the term and delayed the payment 54 months

Unused commitments relating to modified loans totaled $578 and $1,135 at December 31, 2025 and 2024, respectively. There were no loan modifications in 2025 for which the accrual or past due status deteriorated since the quarter of modification. Loan modifications that were modified in 2024 and for which the accrual or past due status had deteriorated since the quarter of modification totaled $34 at December 31, 2024. The past due status of these loans moved from current to 30-89 days past due.

Credit Quality

For commercial and commercial real estate-secured loans, internal risk-rating grades are assigned jointly by lending and credit administration, with validation by loan review personnel. The risk rating is based on an analysis of the financial and collateral strength of the borrower, guarantor strength, as well as other credit attributes underlying each loan based on asset type and industry. Management analyzes the resulting ratings, as well as other external statistics and factors such as delinquency, to track the migration performance of the portfolio balances of commercial and commercial real estate secured loans. Loan grades range between 10 and 95, with 10 being loans with the least credit risk. Loans within the “Pass” grade (those with a risk rating between 10 and 69) generally have a lower risk of loss and therefore a lower risk factor applied to the loan balances. The “Special Mention” grade (those with a risk rating between 70 and 79) represents a loan where a significant adverse risk-modifying action is anticipated in the near term that, left uncorrected, could result in deterioration of the credit quality of the

loan. Loans that migrate into the “Classified” grade generally have a higher risk of loss and therefore a higher risk factor applied to those related loan balances.

The following tables present the Company’s loan portfolio by year of origination or renewal and internal risk-rating grades as of the dates presented:


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2025
Commercial and industrial	$	664,836	$	267,767	$	189,777	$	250,976	$	129,199	$	102,743	$	1,188,474	$	24,554	$	2,818,326
Pass	648,151		262,528		185,033		244,440		127,075		99,108		1,122,605		21,189		2,710,129
Special mention	15,095		2,348		802		608		424		1,869		28,499		—		49,645
Classified	1,590		2,891		3,942		5,928		1,700		1,766		37,370		3,365		58,552

Current period gross charge-offs	5		1,519		3,681		4,268		5,223		3,676		1,155		—		19,527

Construction and land development	$	891,047	$	450,335	$	235,317	$	92,070	$	22,381	$	9,220	$	61,638	$	1,505	$	1,763,513
Residential	235,859		34,917		—		—		—		—		8,288		—		279,064
Pass	233,826		34,917		—		—		—		—		8,288		—		277,031
Special mention	—		—		—		—		—		—		—		—		—
Classified	2,033		—		—		—		—		—		—		—		2,033

Current period gross charge-offs	—		—		106		242		—		—		—		—		348

Other	$	655,188	$	415,418	$	235,317	$	92,070	$	22,381	$	9,220	$	53,350	$	1,505	$	1,484,449
Pass	644,909		410,878		226,065		88,922		22,381		9,094		53,106		1,505		1,456,860
Special mention	457		3,948		727		—		—		107		244		—		5,483
Classified	9,822		592		8,525		3,148		—		19		—		—		22,106

Current period gross charge-offs	—		—		—		—		—		26		—		—		26

Real Estate - 1-4 Family Mortgage	$	269,213	$	150,538	$	137,194	$	191,230	$	116,779	$	71,816	$	107,516	$	462	$	1,044,748
First lien	251,292		142,403		129,819		186,606		114,068		69,209		3,230		—		896,627
Pass	249,929		139,985		128,534		183,517		112,078		66,988		3,230		—		884,261
Special mention	263		226		525		216		530		76		—		—		1,836
Classified	1,100		2,192		760		2,873		1,460		2,145		—		—		10,530

Current period gross charge-offs	—		—		34		149		64		78		—		—		325

Junior lien	$	15,567	$	7,330	$	6,502	$	3,854	$	1,966	$	2,348	$	405	$	—	$	37,972
Pass	14,819		6,978		5,915		3,734		1,909		1,740		405		—		35,500
Special mention	514		132		—		—		—		—		—		—		646
Classified	234		220		587		120		57		608		—		—		1,826

Current period gross charge-offs	—		—		11		142		—		278		—		—		431

Home equity	$	2,354	$	805	$	873	$	770	$	745	$	259	$	103,881	$	462	$	110,149
Pass	2,354		805		873		267		745		259		103,497		411		109,211
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		503		—		—		384		51		938

Current period gross charge-offs	—		—		—		—		92		93		—		—		185


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Commercial real estate - owner occupied	$	501,919	$	602,513	$	453,290	$	541,607	$	465,069	$	558,280	$	211,986	$	—	$	3,334,664
Pass	497,708		586,917		438,247		520,128		447,885		527,129		210,685		—		3,228,699
Special mention	3,807		6,263		3,993		15,360		2,971		13,295		—		—		45,689
Classified	404		9,333		11,050		6,119		14,213		17,856		1,301		—		60,276

Current period gross charge-offs	—		—		177		—		—		1,339		4,201		—		5,717

Commercial real estate - non owner occupied	$	1,696,446	$	753,232	$	597,999	$	1,748,638	$	676,417	$	657,353	$	113,358	$	2,037	$	6,245,480
Multi family	394,699		71,999		123,963		548,165		135,587		115,521		2,845		—		1,392,779
Pass	360,750		69,068		123,477		548,165		135,587		114,726		2,845		—		1,354,618
Special mention	33,062		2,918		—		—		—		—		—		—		35,980
Classified	887		13		486		—		—		795		—		—		2,181

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	1,301,747	$	681,233	$	474,036	$	1,200,473	$	540,830	$	541,832	$	110,513	$	2,037	$	4,852,701
Pass	1,286,217		657,184		470,862		1,118,903		525,177		482,460		108,900		—		4,649,703
Special mention	—		4,741		2,249		37,841		9,328		7,852		138		—		62,149
Classified	15,530		19,308		925		43,729		6,325		51,520		1,475		2,037		140,849

Current period gross charge-offs	—		—		—		—		—		160		—		—		160

Consumer	$	—	$	—	$	2	$	—	$	—	$	—	$	—	$	—	$	2
Pass	—		—		2		—		—		—		—		—		2
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Total loans subject to risk rating	$	4,023,461	$	2,224,385	$	1,613,579	$	2,824,521	$	1,409,845	$	1,399,412	$	1,682,972	$	28,558	$	15,206,733
Pass	3,938,663		2,169,260		1,579,008		2,708,076		1,372,837		1,301,504		1,613,561		23,105		14,706,014
Special mention	53,198		20,576		8,296		54,025		13,253		23,199		28,881		—		201,428
Classified	31,600		34,549		26,275		62,420		23,755		74,709		40,530		5,453		299,291

Current period gross charge-offs	5		1,519		4,009		4,801		5,379		5,650		5,356		—		26,719


	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2024
Commercial and industrial	$	305,032	$	231,239	$	268,425	$	122,318	$	69,846	$	57,591	$	898,773	$	2,889	$	1,956,113
Pass	299,747		223,312		247,845		121,305		67,368		56,003		874,105		2,767		1,892,452
Special mention	591		2,874		3,438		415		1,244		558		7,006		—		16,126
Classified	4,694		5,053		17,142		598		1,234		1,030		17,662		122		47,535

Current period gross charge-offs	—		382		459		879		4		2,974		407		—		5,105


	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Construction and land development	$	480,017	$	274,038	$	406,832	$	29,396	$	3,341	$	5,563	$	29,561	$	175	$	1,228,923
Residential	162,972		15,455		1,708		—		—		625		1,246		—		182,006
Pass	160,778		14,673		1,467		—		—		625		1,246		—		178,789
Special mention	2,194		—		—		—		—		—		—		—		2,194
Classified	—		782		241		—		—		—		—		—		1,023

Current period gross charge-offs	—		—		145		—		—		—		—		—		145

Other	$	317,045	$	258,583	$	405,124	$	29,396	$	3,341	$	4,938	$	28,315	$	175	$	1,046,917
Pass	316,880		246,219		399,895		29,192		3,091		4,902		28,315		175		1,028,669
Special mention	165		12,345		1,882		31		59		—		—		—		14,482
Classified	—		19		3,347		173		191		36		—		—		3,766

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Real Estate - 1-4 Family Mortgage	$	108,462	$	90,023	$	116,310	$	65,019	$	33,491	$	24,714	$	35,425	$	1,150	$	474,594
First lien	103,597		83,005		113,132		63,150		32,059		23,574		4,873		984		424,374
Pass	103,192		82,201		112,684		62,703		31,966		22,794		4,873		913		421,326
Special mention	41		564		187		52		24		—		—		—		868
Classified	364		240		261		395		69		780		—		71		2,180

Current period gross charge-offs	—		—		—		—		—		66		—		—		66

Junior lien	$	3,897	$	6,013	$	3,171	$	932	$	1,432	$	1,105	$	1,576	$	115	$	18,241
Pass	3,758		5,803		3,171		829		1,432		469		1,576		96		17,134
Special mention	139		—		—		—		—		—		—		—		139
Classified	—		210		—		103		—		636		—		19		968

Current period gross charge-offs	—		12		—		—		—		—		—		—		12

Home equity	$	968	$	1,005	$	7	$	937	$	—	$	35	$	28,976	$	51	$	31,979
Pass	968		1,005		7		937		—		—		28,976		—		31,893
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		—		—		35		—		51		86

Current period gross charge-offs	—		—		—		—		—		33		—		—		33

Commercial real estate - owner occupied	$	373,353	$	271,445	$	339,116	$	275,077	$	190,911	$	304,663	$	137,023	$	2,969	$	1,894,557
Pass	372,183		261,624		330,018		271,228		188,860		299,578		130,847		2,717		1,857,055
Special mention	948		348		388		850		131		1,538		—		—		4,203
Classified	222		9,473		8,710		2,999		1,920		3,547		6,176		252		33,299

Current period gross charge-offs	—		—		37		—		—		—		—		—		37

Commercial real estate - non owner occupied	$	576,021	$	427,715	$	1,447,378	$	724,161	$	428,874	$	484,792	$	105,645	$	32,331	$	4,226,917
Multi family	66,026		37,149		413,008		316,773		118,185		28,105		4,164		1,627		985,037
Pass	65,912		37,149		387,936		316,773		118,185		28,056		4,164		1,627		959,802
Special mention	—		—		25,072		—		—		—		—		—		25,072
Classified	114		—		—		—		—		49		—		—		163


	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	509,995	$	390,566	$	1,034,370	$	407,388	$	310,689	$	456,687	$	101,481	$	30,704	$	3,241,880
Pass	488,183		390,190		966,482		401,270		307,106		402,164		101,481		22,733		3,079,609
Special mention	4,900		21		52,670		814		1,138		8,254		—		—		67,797
Classified	16,912		355		15,218		5,304		2,445		46,269		—		7,971		94,474

Current period gross charge-offs	—		—		—		—		—		5,693		—		—		5,693

Consumer	$	5	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	5
Pass	5		—		—		—		—		—		—		—		5
Special mention	—		—		—		—		—		—		—		—		—
Classified	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Total loans subject to risk rating	$	1,842,890	$	1,294,460	$	2,578,061	$	1,215,971	$	726,463	$	877,323	$	1,206,427	$	39,514	$	9,781,109
Pass	1,811,606		1,262,176		2,449,505		1,204,237		718,008		814,591		1,175,583		31,028		9,466,734
Special mention	8,978		16,152		83,637		2,162		2,596		10,350		7,006		—		130,881
Classified	22,306		16,132		44,919		9,572		5,859		52,382		23,838		8,486		183,494

Current period gross charge-offs	—		394		641		879		4		8,766		407		—		11,091

The following tables present the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented:


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2025
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Construction and land development	$	66,151	$	33,823	$	20,283	$	6,156	$	10,321	$	3,943	$	507	$	939	$	142,123
Residential	54,380		30,881		13,955		1,265		1,914		—		375		939		103,709
Performing Loans	54,380		30,881		13,955		1,265		1,914		—		375		939		103,709
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	11,771	$	2,942	$	6,328	$	4,891	$	8,407	$	3,943	$	132	$	—	$	38,414
Performing Loans	11,771		2,921		6,247		4,744		8,403		3,932		132		—		38,150
Non-Performing Loans	—		21		81		147		4		11		—		—		264

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Real Estate - 1-4 Family Mortgage	$	333,353	$	213,474	$	345,975	$	805,063	$	534,744	$	733,503	$	609,124	$	15,049	$	3,590,285


	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
First lien	331,496		209,270		343,867		801,481		533,558		727,798		—		—		2,947,470
Performing Loans	329,942		207,890		335,040		783,952		528,690		705,399		—		—		2,890,913
Non-Performing Loans	1,554		1,380		8,827		17,529		4,868		22,399		—		—		56,557

Current period gross charge-offs	—		74		28		58		—		69		—		—		229

Junior lien	$	1,857	$	4,088	$	1,745	$	2,868	$	968	$	3,445	$	—	$	—	$	14,971
Performing Loans	1,857		4,081		1,689		2,868		968		3,050		—		—		14,513
Non-Performing Loans	—		7		56		—		—		395		—		—		458

Current period gross charge-offs	—		53		—		—		—		7		—		—		60

Home equity	$	—	$	116	$	363	$	714	$	218	$	2,260	$	609,124	$	15,049	$	627,844
Performing Loans	—		116		184		714		218		1,960		608,808		13,334		625,334
Non-Performing Loans	—		—		179		—		—		300		316		1,715		2,510

Current period gross charge-offs	—		—		—		—		148		79		—		—		227

Commercial real estate - owner occupied	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Commercial real estate - non owner occupied	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multi family	—		—		—		—		—		—		—		—		—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Consumer	$	40,081	$	15,374	$	9,009	$	6,276	$	3,636	$	11,482	$	21,877	$	163	$	107,898
Performing Loans	40,079		15,371		9,006		6,238		3,636		11,376		21,874		163		107,743
Non-Performing Loans	2		3		3		38		—		106		3		—		155

Current period gross charge-offs	53		214		159		74		50		955		19		—		1,524

Total loans not subject to risk rating	439,585		262,671		375,267		817,495		548,701		748,928		631,508		16,151		3,840,306
Performing Loans	438,029		261,260		366,121		799,781		543,829		725,717		631,189		14,436		3,780,362
Non-Performing Loans	1,556		1,411		9,146		17,714		4,872		23,211		319		1,715		59,944

Current period gross charge-offs	53		341		187		132		198		1,110		19		—		2,040

Term Loans Amortized Cost Basis by Origination Year


	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2024
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	$	20,173	$	—	$	—	$	20,173
Performing Loans	—		—		—		—		—		20,173		—		—		20,173
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Construction and land development	$	42,092	$	27,581	$	14,467	$	5,872	$	2,018	$	482	$	108	$	266	$	92,886
Residential	37,714		23,301		11,210		2,056		—		—		108		266		74,655
Performing Loans	37,514		23,301		11,210		2,056		—		—		108		266		74,455
Non-Performing Loans	200		—		—		—		—		—		—		—		200

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	4,378	$	4,280	$	3,257	$	3,816	$	2,018	$	482	$	—	$	—	$	18,231
Performing Loans	4,378		4,269		3,144		3,807		2,017		482		—		—		18,097
Non-Performing Loans	—		11		113		9		1		—		—		—		134

Current period gross charge-offs	—		—		—		—		—		7		—		—		7

Real Estate - 1-4 Family Mortgage	$	152,541	$	340,032	$	706,868	$	491,159	$	279,682	$	417,569	$	499,157	$	13,692	$	2,900,700
First lien	151,968		339,214		705,064		490,266		278,986		414,928		—		893		2,381,319
Performing Loans	151,675		335,268		690,666		484,688		268,806		395,387		—		893		2,327,383
Non-Performing Loans	293		3,946		14,398		5,578		10,180		19,541		—		—		53,936

Current period gross charge-offs	—		17		195		35		110		81		—		—		438

Junior lien	$	543	$	818	$	1,804	$	893	$	696	$	2,446	$	—	$	—	$	7,200
Performing Loans	532		751		1,804		893		696		2,065		—		—		6,741
Non-Performing Loans	11		67		—		—		—		381		—		—		459

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Home equity	$	30	$	—	$	—	$	—	$	—	$	195	$	499,157	$	12,799	$	512,181
Performing Loans	30		—		—		—		—		177		499,052		9,553		508,812


Non-Performing Loans	—		—		—		—		—		18		105		3,246		3,369

Current period gross charge-offs	—		—		330		—		—		87		—		—		417

Commercial real estate - owner occupied	$	—	$	—	$	—	$	—	$	121	$	1	$	—	$	—	$	122
Performing Loans	—		—		—		—		121		1		—		—		122
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Commercial real estate - non owner occupied	$	—	$	—	$	—	$	—	$	21	$	—	$	—	$	—	$	21
Multi family	—		—		—		—		—		—		—		—		—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Other	$	—	$	—	$	—	$	—	$	21	$	—	$	—	$	—	$	21
Performing Loans	—		—		—		—		21		—		—		—		21
Non-Performing Loans	—		—		—		—		—		—		—		—		—

Current period gross charge-offs	—		—		—		—		—		—		—		—		—

Consumer	$	32,598	$	11,488	$	7,971	$	3,815	$	1,317	$	17,261	$	15,530	$	29	$	90,009
Performing Loans	32,561		11,472		7,971		3,802		1,317		17,212		15,529		29		89,893
Non-Performing Loans	37		16		—		13		—		49		1		—		116

Current period gross charge-offs	36		110		69		15		3		1,623		—		—		1,856

Total loans not subject to risk rating	$	227,231	$	379,101	$	729,306	$	500,846	$	283,159	$	455,486	$	514,795	$	13,987	$	3,103,911
Performing Loans	226,690		375,061		714,795		495,246		272,978		435,497		514,689		10,741		3,045,697
Non-Performing Loans	541		4,040		14,511		5,600		10,181		19,989		106		3,246		58,214

Current period gross charge-offs	36		127		594		50		113		1,798		—		—		2,718

Loans Pledged

The Federal Home Loan Bank (“FHLB”) of Dallas maintains a blanket lien on the Company’s loan portfolio to be pledged as collateral for various FHLB products. In addition, the Company pledged $681,719 and $656,683 of its non-real estate loan portfolio to the Federal Reserve as collateral at the Discount Window at December 31, 2025 and 2024, respectively.

Related Party Loans

Certain executive officers and directors of the Bank and their associates are customers of and have other transactions with the Bank. Related party loans and commitments are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the Company or the Bank and do not involve more than a normal risk of collectability or present other unfavorable features. A summary of the changes in related party loans follows:


Loans at December 31, 2024	$	4,250
New loans and advances	5,262
Loans to directors assumed in acquisition	8,362
Payments received	(278)

Loans at December 31, 2025	$	17,596

No related party loans were classified as past due or nonaccrual at December 31, 2025 or 2024. Unfunded commitments to certain executive officers and directors and their associates totaled $17,178 and $1,168 at December 31, 2025 and 2024, respectively.

Income Taxes - Narrative (Details) - USD ($)	12 Months Ended
Income Taxes - Narrative (Details) - USD ($)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Taxes (Textual) [Abstract]
Net expense (benefit) in other comprehensive income	$ 17,634,000	$ 4,012,000	$ 19,716,000
Effective income tax rate	20.05%	20.21%	18.35%
Total income taxes paid	$ 18,363,000	$ 29,065,000	$ 42,047,000
Operating loss carryforwards allowance	0
Interest accrued	56,000	41,000	$ 26,000
Unfunded commitment	96,833,000
Limited Partnerships
Income Taxes (Textual) [Abstract]
Investment tax credit	44,157,000	13,366,000
Benefits recognized from investment tax credits	4,599,000	2,977,000
Amortization of investment	4,371,000	2,851,000
Federal
Income Taxes (Textual) [Abstract]
Net Operating Losses	80,173,000
State
Income Taxes (Textual) [Abstract]
Net Operating Losses	114,780,000	140,000
Unused tax credit	15,575,000	11,115,000
Valuation allowance	$ 0	$ 0
State \| Minimum
Income Taxes (Textual) [Abstract]
Tax credit carry forward period	5 years
State \| Maximum
Income Taxes (Textual) [Abstract]
Tax credit carry forward period	25 years

Mortgage Servicing Rights - Schedule of Data and Key Economic Assumptions Related to the Company's Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Data and Key Economic Assumptions Related to Mortgage Servicing Rights [Abstract]
Unpaid principal balance	$ 5,648,033	$ 6,008,937	$ 7,826,182
Weighted-average prepayment speed (CPR)	10.90%	9.48%	8.77%
Estimated impact of a 10% increase	$ (2,953)	$ (3,134)	$ (2,653)
Estimated impact of a 20% increase	$ (5,719)	$ (6,062)	$ (5,457)
Discount rate	9.85%	11.05%	10.85%
Estimated impact of a 100bp increase	$ (3,199)	$ (3,809)	$ (4,753)
Estimated impact of a 200bp increase	$ (6,195)	$ (7,336)	$ (9,149)
Weighted-average coupon interest rate	4.59%	4.29%	3.88%
Weighted-average servicing fee (basis points)	0.3386%	0.3591%	0.3324%
Weighted-average remaining maturity (in years)	6 years 9 months 18 days	7 years 3 months 18 days	7 years 6 months

Employee Benefit and Deferred Compensation Plans

12 Months Ended

Dec. 31, 2025

Retirement Benefits [Abstract]

(Dollar in Thousands, Except Share Data)

Pension and Post-retirement Medical Plans

The Company sponsors a noncontributory defined benefit pension plan, under which participation and benefit accruals ceased as of December 31, 1996. The Company’s funding policy is to contribute annually to the plan an amount not less than the minimum required contribution, as determined annually by consulting actuaries in accordance with funding standards imposed under the Internal Revenue Code of 1986, as amended (“the Code”). No contributions were made or required in 2025 or 2024. The Company does not anticipate that a contribution will be required in 2026. The plan’s accumulated benefit obligation and projected benefit obligation are substantially the same since benefit accruals have ceased. The accumulated benefit obligation was $18,590 and $18,685 at December 31, 2025 and 2024, respectively. There is no additional minimum pension liability required to be recognized.

The Company provides retiree medical benefits, consisting of the opportunity to purchase coverage at subsidized rates under the Company’s group medical plan. Employees eligible to participate must (i) have been employed by the Company and enrolled in the Company’s group medical plan as of December 31, 2004 and (ii) retire from the Company between ages 55 and 65 with at least 15 years of service or 70 points (points determined as the sum of the employee’s age and years of service). The Company periodically determines the portion of the premiums to be paid by each retiree and the portion to be paid by the Company. Coverage ceases when a retiree attains age 65 and is eligible for Medicare. The Company did not contribute to the plan in 2025 or 2024; the Company expects to contribute approximately $50 in 2026. The assumed rate of increase in the per capita cost of covered benefits (i.e., the health care cost trend rate) for 2025 is 8.55%. Increasing or decreasing the assumed health care cost trend rates by one percentage point in each year would not materially increase or decrease the accumulated post-retirement benefit obligation or the service and interest cost components of net periodic post-retirement benefit costs as of December 31, 2025 and for the year ended.


	Pension Benefits Renasant						Other Benefits
	2025			2024			2025			2024
Change in benefit obligation
Benefit obligation at beginning of year	$	18,685		$	20,195		$	448		$	512
Service cost	—			—			—			—
Interest cost	948			908			20			21
Plan participants’ contributions	—			—			17			21

Actuarial loss (gain)	701			(620)			(190)			(89)
Benefits paid	(1,744)			(1,798)			(16)			(17)



Benefit obligation at end of year	$	18,590		$	18,685		$	279		$	448
Change in fair value of plan assets
Fair value of plan assets at beginning of year	$	19,148		$	20,119
Actual return on plan assets	2,189			827
Contribution by employer	—			—
Benefits paid	(1,744)			(1,798)




Fair value of plan assets at end of year	$	19,593		$	19,148
Funded status at end of year	$	1,003		$	463		$	(279)		$	(448)
Weighted-average assumptions as of December 31
Discount rate used to determine the benefit obligation	4.99		%	5.37		%	4.26		%	4.99		%

The funded status at end of the year for Pension Benefits - Renasant and Other Benefits are included in “Other assets” and “Other liabilities,” respectively, on the Consolidated Balance Sheets. The discount rate assumptions at December 31, 2025 were determined using a yield curve approach. A yield curve was developed from a selection of high quality fixed-income investments whose cash flows approximate the timing and amount of expected cash flows from the plans. The selected discount rate is the rate that produces the same present value of the plans’ projected benefit payments.


	Pension Benefits Renasant									Other Benefits
	2025			2024			2023			2025			2024			2023
Service cost	$	—		$	—		$	—		$	—		$	—		$	1
Interest cost	948			908			995			20			21			22
Expected return on plan assets	(1,068)			(993)			(1,236)			—			—			—

Recognized actuarial loss (gain)	485			517			523			(88)			(93)			(61)

Net periodic benefit cost	365			432			282			(68)			(72)			(38)
Net actuarial gain arising during the period	(419)			(455)			(60)			(190)			(89)			(20)


Amortization of net actuarial (loss) gain recognized in net periodic pension cost	(485)			(516)			(523)			88			94			61

Total recognized in other comprehensive income	(904)			(971)			(583)			(102)			5			41
Total recognized in net periodic benefit cost and other comprehensive income	$	(539)		$	(539)		$	(301)		$	(170)		$	(67)		$	3
Weighted-average assumptions as of December 31
Discount rate used to determine net periodic pension cost	5.37		%	4.74		%	4.94		%	4.99		%	4.53		%	4.74		%
Expected return on plan assets	5.90		%	5.20		%	6.25		%	N/A			N/A			N/A

Future estimated benefit payments under the Renasant defined benefit pension plan and other benefits are as follows:


	Pension Benefits Renasant		Other Benefits
2026	$	2,118	$	50
2027	1,957		52
2028	1,926		38
2029	1,857		50
2030	1,801		42
2031 - 2035	7,300		82

Amounts recognized in accumulated other comprehensive income, before tax, for the year ended December 31, 2025 are as follows:


	Pension Benefits Renasant		Other Benefits
Prior service cost	$	—	$	—
Actuarial loss (gain)	8,847		(327)
Total	$	8,847	$	(327)

The estimated costs that will be amortized from accumulated other comprehensive income into net periodic benefit cost during 2026 are as follows:


	Pension Benefits Renasant		Other Benefits
Prior service cost	$	—	$	—
Actuarial loss (gain)	436		(140)
Total	$	436	$	(140)

Approximately 85% of the pension plan’s assets are invested in a collective trust, which in turn invests in other collective or pooled trusts with individual investment mandates. The collective trust’s asset allocation is approximately 70% in growth assets, consisting of interests in trusts invested in equity securities, high yield fixed income securities, and direct real estate investments (approximately 9% of assets), and approximately 30% in assets intended to hedge against the volatility arising from interest rate risk, consisting of interests in trusts invested in long duration fixed income securities. The collective trust is actively managed, allowing changes in the asset allocation to enhance returns and mitigate risk, with the mandate to preserve the funded status of the plan through portfolio growth and interest rate hedging. Management’s investment committee periodically reviews the collective trust’s performance and asset allocation to ensure that the plan’s investment objectives are satisfied and that the investment strategy of the trust has not materially changed.

The remaining 15% of the pension plan’s assets are managed by Park Place Capital Corporation, a wholly owned subsidiary of the Company. These assets are invested in large cap securities on which covered call options are written to generate income.

The expected long-term rate of return was estimated using market benchmarks for investment classes applied to the plan’s target asset allocation and was computed using a valuation methodology which projects future returns based on current valuations rather than historical returns.

The fair values of the Company’s defined benefit pension plan assets by category at December 31, 2025 and 2024 are below. Level 1 includes cash and cash equivalents and corporate stocks, in which the fair value is determined by quoted market prices. Level 2 includes U.S. government securities in which the value is determined by market prices of similar securities. Investments in collective trusts consist of trusts that invest primarily in liquid equity and fixed income securities and have a small direct investment in real estate. There is generally no restriction on redemptions or withdrawals for benefit payments or in the event of plan termination; 60 days notice is required to redeem or withdraw assets for any other purpose.


	Quoted Prices In Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Measured at net asset value per share (“NAV”)		Totals
December 31, 2025
Cash and cash equivalents	$	406	$	—	$	—	$	—	$	406
Investments in collective trusts	—		—		—		16,656		16,656
U.S. government securities	—		50		—		—		50

Corporate stocks	2,481		—		—		—		2,481



	$	2,887	$	50	$	—	$	16,656	$	19,593


	Quoted Prices In Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Measured at NAV		Totals
December 31, 2024
Cash and cash equivalents	$	281	$	—	$	—	$	—	$	281
Investments in collective trusts	—		—		—		16,590		16,590
U.S. government securities	—		156		—		—		156

Corporate stocks	2,121		—		—		—		2,121



	$	2,402	$	156	$	—	$	16,590	$	19,148

Other Retirement Plans

The Company maintains a 401(k) plan, which is a contributory plan maintained in the form of a “safe harbor” arrangement. Employees are immediately enrolled in the plan and eligible to make pre-tax deferrals, subject to limits imposed under the plan and the deferral limit established annually by the IRS, and receive Company matching contributions not in excess of 4% of compensation. The Company may make a discretionary profit-sharing contribution for each eligible participant as an equal percentage of each participant’s compensation. To be eligible to receive this profit-sharing contribution, an employee must: (i) be employed on the last day of the year and be credited with 1000 hours of service during the year; (ii) die or become disabled during the year; or (iii) have attained the early or normal retirement age (as defined in the plan). Senior executive officers of the Bank are not eligible to receive these discretionary contributions. No profit-sharing contribution was made for the year 2025. The Company’s costs related to the 401(k) plan, excluding employee deferrals, in 2025, 2024 and 2023 were $9,491, $7,290 and $6,757, respectively.

Deferred Compensation Plans and Arrangements

The Company maintains two deferred compensation plans: a Deferred Stock Unit Plan and a Deferred Income Plan. Nonemployee directors may defer all or a portion of their retainer; eligible officers may defer base salary and bonus subject to limits determined annually by the Company. Amounts deferred to the Deferred Stock Unit Plan are invested in units representing shares of the Company’s common stock; benefits are paid in the form of common stock, with cash distributed in lieu of fractional shares. Amounts deferred to the Deferred Income Plan are notionally invested in the discretion of each participant from among investment alternatives substantially similar to those available under the Company’s 401(k) plan. Directors and officers who participated in the predecessor to the Deferred Income Plan as of December 31, 2006, may also invest in a preferential interest rate alternative that is derived from the Moody’s Average Corporate Bond Rate. Benefits payable from the Deferred Income Plan equal the account balance of each participant. A director or officer’s beneficiaries may receive an additional preretirement death benefit from the Deferred Income Plan when the officer or director has continuously deferred at rates prescribed by the Company since January 1, 2005, and when such officer or director dies while employed by the Company or serving as a director.

The Company’s Deferred Stock Unit and Deferred Income Plan are unfunded. It is anticipated that such plans will result in no additional cost to the Company because life insurance policies on the lives of participants have been purchased in amounts estimated to be sufficient to pay plan benefits. The Company is both the owner and beneficiary of the policies. The expense recorded in 2025, 2024 and 2023 for the Company’s Deferred Stock Unit and Deferred Income Plan was $2,189, $2,270 and $2,210, respectively.

In connection with the Company’s acquisition of Brand Group Holdings, Inc. in 2018, the Company assumed the Brand Group Holdings, Inc. Deferred Compensation Plan. Deferral elections in effect as of the time of acquisition were given effect for compensation earned during 2018; no further deferrals have been or will be made to the plan. Account balances maintained under the plan will be distributed as provided under the terms of the plan and individual participant elections. Pending distribution, balances will be notionally invested by each participant in designated investment alternatives.

In 2007, the Company assumed supplemental executive retirement plans (SERPs) in connection with the acquisition of Capital Bancorp, Inc. and its affiliates. The plans are designed to provide four officers specified annual benefits for a 15-year period upon the attainment of a designated retirement age. In 2025, the Company assumed SERPs, supplemental director retirement plans and other deferred compensation agreements in connection with its acquisition of The First. These SERPs, supplemental director retirement plans and other deferred compensation agreements were designed to provide officers of the The First (or former directors and officers of entities that The First had acquired prior to its acquisition by the Company) specified annual benefits, in an amount and on such schedule as specified in the particular plan. Liabilities associated with these plans totaled $13,518 and $3,143 at December 31, 2025 and 2024, respectively. The plans are not qualified under Code Section 401.

Incentive Compensation Plans

Under the Company’s Performance Based Rewards Plan, annual cash bonuses are paid to eligible officers and employees, subject to the attainment of designated performance criteria that may relate to the Company’s performance, the performance of an affiliate, region, division or profit center, and/or to individual or team performance. The Company annually sets minimum, target, and superior levels of performance. Minimum performance must be attained for the payment of any bonus; superior performance must be attained for maximum payouts. The expense associated with the plan for 2025, 2024 and 2023 was $11,655, $8,659 and $10,303, respectively.

In 2020, the Company implemented the 2020 Long-Term Incentive Compensation Plan that provides for the grant of stock options and stock appreciation rights and the award of restricted stock and restricted stock units.

Options granted under the plan permit the acquisition of shares of the Company’s common stock at an exercise price equal to the fair market value of the shares on the date of grant. Options may be subject to time-based vesting or the attainment of performance criteria; all options expire ten years after the date of grant. Options that do not vest or expire unexercised are forfeited and canceled. Stock appreciation rights may be granted under the plan on terms similar to options. There were no stock options or stock appreciation rights granted, or associated compensation expense (recognized or unrecognized), during the years ended December 31, 2025, 2024 or 2023. No options have been outstanding since December 31, 2021.

The plan permits the award of performance-based restricted stock to officers and employees and time-based restricted stock to non-employee directors, officers and employees. The plan also permits the award of restricted stock units to officers and employees on terms similar to restricted stock awards. Performance-based awards are subject to the attainment of designated performance criteria during a fixed performance cycle. Performance criteria may relate to the Company’s performance measured on an absolute basis or relative to a defined peer group. Performance criteria may also relate to the performance of an affiliate, region, division or profit center of the Company or to individual performance. The Company annually sets minimum, target, and superior levels; minimum performance must be attained for the vesting of any shares; superior performance must be attained for maximum payouts. Time-based restricted stock awards relate to a fixed number of shares that vest at the end of a designated service period.

In 2025, the Company made performance-based and time-based restricted stock awards; restricted stock units were not awarded, and none were outstanding from previous years. The fair value of each restricted stock award is the closing price of the Company’s common stock on the business day immediately preceding the date of the award.

In addition, The First maintained a long-term equity compensation plan, and the restricted stock awarded as of the date of the Company’s acquisition of The First was converted into adjusted restricted stock of the Company, subject to the same terms and conditions as prior to the merger.

For restricted stock awarded under the plan and The First restricted stock awards converted into Renasant restricted stock awards, the Company recorded compensation expense of $17,723, $13,562 and $13,458 for the years ended December 31, 2025, 2024 and 2023, respectively. The total income tax benefit was $4,375, $3,138 and $3,292, respectively. The total fair value of shares vested was $15,454, $11,715 and $9,716 for the years ended December 31, 2025, 2024 and 2023, respectively. The following table summarizes the changes in restricted stock as of and for the year ended December 31, 2025:


	Performance- Based Restricted Stock	Weighted Average Grant-Date Fair Value		Time- Based Restricted Stock	Weighted Average Grant-Date Fair Value
Nonvested at beginning of year	203,115	$	34.32	801,181	$	35.08
Awarded	75,644	36.17		344,521	35.26
Converted	—	—		426,321	33.93
Vested	(83,412)	35.49		(351,913)	35.94
Forfeited and cancelled	—	—		(11,917)	35.23
Nonvested at end of year	195,347	$	34.54	1,208,193	$	34.48

Unrecognized stock-based compensation expense related to restricted stock totaled $19,345 at December 31, 2025. As of such date, the weighted average period over which the unrecognized expense is expected to be recognized was approximately 2.06 years.

At December 31, 2025, an aggregate of 5,382,500 and 2,132,070 shares of Company common stock were authorized and available for issuance, respectively, under the Company’s employee benefit plans of which 2,200,000 and 977,133 shares were authorized and available for issuance, respectively, under the Company’s 401(k) plan, 467,500 and 114,755 shares were authorized and available, respectively, under the Company’s Deferred Stock Unit Plan, and 2,715,000 and 1,040,182 shares were authorized and available, respectively, under the Company’s 2020 Long-Term Incentive Compensation Plan.

Mergers and Acquisitions - Schedule of Fair Value of Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands		12 Months Ended
	Apr. 01, 2025	Dec. 31, 2024	Dec. 31, 2025	Dec. 31, 2023
Business Combination [Line Items]
Goodwill		$ 988,898	$ 1,405,840	$ 991,665
Business Combination, Recognized Asset Acquired to Liability Assumed, Excess (Less), and Goodwill [Abstract]
Goodwill		$ (2,767)
The First
Business Combination [Line Items]
Cash and cash equivalents	$ 263,352
Securities	1,457,203
Loans, including loans held for sale	5,174,903
Premises and equipment	173,174
Bank-owned life insurance	146,601
Other real estate owned	11,109
Other intangible assets	159,610
Other assets	173,359
Total identifiable assets	7,559,311
Deposits	6,449,393
Borrowings	419,165
Other liabilities	59,857
Total liabilities	6,928,415
Net identifiable assets acquired over liabilities assumed	630,896
Goodwill	430,884
Net assets acquired over liabilities assumed	1,061,780
The First \| Measurement Period Adjustments
Business Combination, Recognized Asset Acquired to Liability Assumed, Excess (Less), and Goodwill [Abstract]
Cash and cash equivalents	0
Securities	174
Loans, including loans held for sale	(1,569)
Premises and equipment	8,580
Bank-owned life insurance	0
Other real estate owned	(77)
Other intangible assets	5,866
Other assets	526
Total identifiable assets	13,500
Deposits	0
Borrowings	0
Other liabilities	9,902
Total liabilities	9,902
Net identifiable assets acquired over liabilities assumed	3,598
Goodwill	(12,688)
Net assets acquired over liabilities assumed	(9,090)
Fair Value of Net Assets Acquired at Date of Acquisition
Business Combination [Line Items]
Cash and cash equivalents	263,352
Securities	1,457,377
Loans, including loans held for sale	5,173,334
Premises and equipment	181,754
Bank-owned life insurance	146,601
Other real estate owned	11,032
Other intangible assets	165,476
Other assets	173,885
Total identifiable assets	7,572,811
Deposits	6,449,393
Borrowings	419,165
Other liabilities	69,759
Total liabilities	6,938,317
Net identifiable assets acquired over liabilities assumed	634,494
Goodwill	418,196
Net assets acquired over liabilities assumed	$ 1,052,690

Derivative Instruments - Schedule of Gains (Losses) of Derivative Instruments (Details) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Gains (losses) on derivatives financial instruments included in the Consolidated Statements of Income
Gains (losses) on derivative financial instruments	$ 27,300	$ 17,133	$ 6,627
Interest rate contracts
Gains (losses) on derivatives financial instruments included in the Consolidated Statements of Income
Gains (losses) on derivative financial instruments	$ 28,328	$ 14,128	$ 8,156
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and Fee Income, Loans and Leases	Interest and Fee Income, Loans and Leases	Interest and Fee Income, Loans and Leases
Interest rate lock commitments
Gains (losses) on derivatives financial instruments included in the Consolidated Statements of Income
Gains (losses) on derivative financial instruments	$ 667	$ (713)	$ 319
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Mortgage banking income	Mortgage banking income	Mortgage banking income
Forward commitments
Gains (losses) on derivatives financial instruments included in the Consolidated Statements of Income
Gains (losses) on derivative financial instruments	$ (1,695)	$ 3,718	$ (1,848)
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Mortgage banking income	Mortgage banking income	Mortgage banking income

Regulatory Matters - Capital Tier Classifications (Details)	Dec. 31, 2025
Banking and Thrift, Interest [Abstract]
Tier 1 Capital to Average Assets (Leverage), Well capitalized	0.05
Tier 1 Capital to Average Assets (Leverage), Adequately capitalized	0.04
Tier 1 Capital to Average Assets (Leverage), Undercapitalized	4.00%
Tier 1 Capital to Average Assets (Leverage), Significantly undercapitalized	3.00%
Common Equity Tier 1 to Risk-Weighted Assets, Well capitalized	6.50%
Common Equity Tier 1 to Risk-Weighted Assets, Adequately capitalized	4.50%
Common Equity Tier 1 to Risk-Weighted Assets, Undercapitalized	4.50%
Common Equity Tier 1 to Risk-Weighted Assets, Significantly undercapitalized	3.00%
Tier 1 Capital to Risk-Weighted Assets, Well capitalized	0.08
Tier 1 Capital to Risk-Weighted Assets, Adequately capitalized	0.06
Tier 1 Capital to Risk-Weighted Assets, Undercapitalized	6.00%
Tier 1 Capital to Risk-Weighted Assets, Significantly undercapitalized	4.00%
Total Capital to Risk-Weighted Assets, Well capitalized	0.10
Total Capital to Risk-Weighted Assets, Adequately capitalized	0.08
Total Capital to Risk-Weighted Assets, Undercapitalized	8.00%
Total Capital to Risk-Weighted Assets, Significantly undercapitalized	6.00%
Critically undercapitalized	2.00%

Mergers and Acquisitions (Tables)

12 Months Ended

Dec. 31, 2025

Business Combination [Abstract]

Schedule of Allocation of Purchase Price to Assets and Liabilities Acquired

The following table summarizes the calculation of the purchase price in connection with the Company’s merger with The First.


Purchase Price:
Shares issued to common shareholders, excluding unvested restricted stock awards	30,811,851
Purchase price per share	$	33.93
Value of stock paid	$	1,045,446
Fair value of converted unvested restricted stock awards for pre-combination service	5,375
Cash settlement for stock options, net of tax benefit	1,869
Total Purchase Price	$	1,052,690

Schedule of Fair Value of Assets Acquired and Liabilities Assumed

The following table summarizes the preliminary fair value on April 1, 2025 of assets acquired and liabilities assumed on that date in connection with the merger with The First:


	Preliminary Fair Value of Net Assets Acquired at Date of Acquisition		Measurement Period Adjustments		Fair Value of Net Assets Acquired at Date of Acquisition
Cash and cash equivalents	$	263,352	$	—	$	263,352
Securities	1,457,203		174		1,457,377
Loans, including loans held for sale	5,174,903		(1,569)		5,173,334
Premises and equipment	173,174		8,580		181,754
Bank-owned life insurance	146,601		—		146,601
Other real estate owned	11,109		(77)		11,032
Other intangible assets	159,610		5,866		165,476
Other assets	173,359		526		173,885
Total identifiable assets	$	7,559,311	$	13,500	$	7,572,811

Deposits	$	6,449,393	$	—	$	6,449,393
Borrowings	419,165		—		419,165
Other liabilities	59,857		9,902		69,759
Total liabilities	$	6,928,415	$	9,902	$	6,938,317

Net identifiable assets acquired over liabilities assumed	$	630,896	$	3,598	$	634,494
Goodwill(1)	430,884		(12,688)		418,196
Net assets acquired over liabilities assumed	$	1,061,780	$	(9,090)	$	1,052,690

(1) The goodwill resulting from the merger has been assigned to the Community Banks operating segment.

Schedule of Business Combination, Acquired Loan Portfolio

The following table presents additional information related to the acquired loan portfolio at the acquisition date:


	April 1, 2025
Purchased Credit-Deteriorated (“PCD”) loans:
Par value	$	168,511
Allowance for credit losses at acquisition	(25,003)
Non-credit discount	(4,021)
Fair value on the date of acquisition	$	139,487

Non-PCD loans:
Fair value	$	5,032,996
Gross contractual amounts receivable	5,233,447
Estimate of contractual cash flows not expected to be collected	62,190

Schedule of Pro Forma Combined Condensed Consolidated Financial Information

The pro forma information does not include the effect of any cost-saving or revenue-enhancing strategies. Other than the aforementioned $20,479 in merger-related expenses, which were attributed to the first quarter of 2024, merger expenses are reflected in the period in which they were incurred.


	Year Ended
	December 31,
	2025		2024
Net interest income - pro forma	$	853,353	$	835,583

Noninterest income - pro forma	$	190,414	$	245,836

Net income - pro forma	$	240,043	$	249,555

Earnings per share - pro forma:
Basic	$	2.76	$	2.75
Diluted	$	2.74	$	2.73

Tabular disclosure of business combination. Includes, but is not limited to, recognized asset and liability.

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 2025
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Loans - Schedule of Loan Portfolio by Risk-Rating Grades (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Loan portfolio by risk-rating grades
Total Loans	$ 19,047,039	$ 12,885,020
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Total Charge-offs	28,759	13,809
Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	4,023,461	1,842,890
2024	2,224,385	1,294,460
2023	1,613,579	2,578,061
2022	2,824,521	1,215,971
2021	1,409,845	726,463
Prior	1,399,412	877,323
Revolving Loans	1,682,972	1,206,427
Revolving Loans Converted to Term	28,558	39,514
Total Loans	15,206,733	9,781,109
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	5	0
2024	1,519	394
2023	4,009	641
2022	4,801	879
2021	5,379	4
Prior	5,650	8,766
Revolving Loans	5,356	407
Revolving Loans Converted to Term	0	0
Total Charge-offs	26,719	11,091
Pass
Loan portfolio by risk-rating grades
2025	3,938,663	1,811,606
2024	2,169,260	1,262,176
2023	1,579,008	2,449,505
2022	2,708,076	1,204,237
2021	1,372,837	718,008
Prior	1,301,504	814,591
Revolving Loans	1,613,561	1,175,583
Revolving Loans Converted to Term	23,105	31,028
Total Loans	14,706,014	9,466,734
Special mention
Loan portfolio by risk-rating grades
2025	53,198	8,978
2024	20,576	16,152
2023	8,296	83,637
2022	54,025	2,162
2021	13,253	2,596
Prior	23,199	10,350
Revolving Loans	28,881	7,006
Revolving Loans Converted to Term	0	0
Total Loans	201,428	130,881
Classified
Loan portfolio by risk-rating grades
2025	31,600	22,306
2024	34,549	16,132
2023	26,275	44,919
2022	62,420	9,572
2021	23,755	5,859
Prior	74,709	52,382
Revolving Loans	40,530	23,838
Revolving Loans Converted to Term	5,453	8,486
Total Loans	299,291	183,494
Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	439,585	227,231
2024	262,671	379,101
2023	375,267	729,306
2022	817,495	500,846
2021	548,701	283,159
Prior	748,928	455,486
Revolving Loans	631,508	514,795
Revolving Loans Converted to Term	16,151	13,987
Total Loans	3,840,306	3,103,911
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	53	36
2024	341	127
2023	187	594
2022	132	50
2021	198	113
Prior	1,110	1,798
Revolving Loans	19	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	2,040	2,718
Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	438,029	226,690
2024	261,260	375,061
2023	366,121	714,795
2022	799,781	495,246
2021	543,829	272,978
Prior	725,717	435,497
Revolving Loans	631,189	514,689
Revolving Loans Converted to Term	14,436	10,741
Total Loans	3,780,362	3,045,697
Non-Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	1,556	541
2024	1,411	4,040
2023	9,146	14,511
2022	17,714	5,600
2021	4,872	10,181
Prior	23,211	19,989
Revolving Loans	319	106
Revolving Loans Converted to Term	1,715	3,246
Total Loans	59,944	58,214
Commercial and industrial \| Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	664,836	305,032
2024	267,767	231,239
2023	189,777	268,425
2022	250,976	122,318
2021	129,199	69,846
Prior	102,743	57,591
Revolving Loans	1,188,474	898,773
Revolving Loans Converted to Term	24,554	2,889
Total Loans	2,818,326	1,956,113
Commercial and industrial \| Subject to Credit Risk Assessment \| Commercial and industrial
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	5	0
2024	1,519	382
2023	3,681	459
2022	4,268	879
2021	5,223	4
Prior	3,676	2,974
Revolving Loans	1,155	407
Revolving Loans Converted to Term	0	0
Total Charge-offs	19,527	5,105
Commercial and industrial \| Pass \| Commercial and industrial
Loan portfolio by risk-rating grades
2025	648,151	299,747
2024	262,528	223,312
2023	185,033	247,845
2022	244,440	121,305
2021	127,075	67,368
Prior	99,108	56,003
Revolving Loans	1,122,605	874,105
Revolving Loans Converted to Term	21,189	2,767
Total Loans	2,710,129	1,892,452
Commercial and industrial \| Special mention \| Commercial and industrial
Loan portfolio by risk-rating grades
2025	15,095	591
2024	2,348	2,874
2023	802	3,438
2022	608	415
2021	424	1,244
Prior	1,869	558
Revolving Loans	28,499	7,006
Revolving Loans Converted to Term	0	0
Total Loans	49,645	16,126
Commercial and industrial \| Classified \| Commercial and industrial
Loan portfolio by risk-rating grades
2025	1,590	4,694
2024	2,891	5,053
2023	3,942	17,142
2022	5,928	598
2021	1,700	1,234
Prior	1,766	1,030
Revolving Loans	37,370	17,662
Revolving Loans Converted to Term	3,365	122
Total Loans	58,552	47,535
Commercial and industrial \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	20,173
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	20,173
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	0
Commercial and industrial \| Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	20,173
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	20,173
Commercial and industrial \| Non-Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Construction and land development \| Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	891,047	480,017
2024	450,335	274,038
2023	235,317	406,832
2022	92,070	29,396
2021	22,381	3,341
Prior	9,220	5,563
Revolving Loans	61,638	29,561
Revolving Loans Converted to Term	1,505	175
Total Loans	1,763,513	1,228,923
Construction and land development \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	66,151	42,092
2024	33,823	27,581
2023	20,283	14,467
2022	6,156	5,872
2021	10,321	2,018
Prior	3,943	482
Revolving Loans	507	108
Revolving Loans Converted to Term	939	266
Total Loans	142,123	92,886
Construction and land development \| Residential \| Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	235,859	162,972
2024	34,917	15,455
2023	0	1,708
2022	0	0
2021	0	0
Prior	0	625
Revolving Loans	8,288	1,246
Revolving Loans Converted to Term	0	0
Total Loans	279,064	182,006
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	106	145
2022	242	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	348	145
Construction and land development \| Residential \| Pass
Loan portfolio by risk-rating grades
2025	233,826	160,778
2024	34,917	14,673
2023	0	1,467
2022	0	0
2021	0	0
Prior	0	625
Revolving Loans	8,288	1,246
Revolving Loans Converted to Term	0	0
Total Loans	277,031	178,789
Construction and land development \| Residential \| Special mention
Loan portfolio by risk-rating grades
2025	0	2,194
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	2,194
Construction and land development \| Residential \| Classified
Loan portfolio by risk-rating grades
2025	2,033	0
2024	0	782
2023	0	241
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	2,033	1,023
Construction and land development \| Residential \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	54,380	37,714
2024	30,881	23,301
2023	13,955	11,210
2022	1,265	2,056
2021	1,914	0
Prior	0	0
Revolving Loans	375	108
Revolving Loans Converted to Term	939	266
Total Loans	103,709	74,655
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	0
Construction and land development \| Residential \| Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	54,380	37,514
2024	30,881	23,301
2023	13,955	11,210
2022	1,265	2,056
2021	1,914	0
Prior	0	0
Revolving Loans	375	108
Revolving Loans Converted to Term	939	266
Total Loans	103,709	74,455
Construction and land development \| Residential \| Non-Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	0	200
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	200
Construction and land development \| Other \| Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	655,188	317,045
2024	415,418	258,583
2023	235,317	405,124
2022	92,070	29,396
2021	22,381	3,341
Prior	9,220	4,938
Revolving Loans	53,350	28,315
Revolving Loans Converted to Term	1,505	175
Total Loans	1,484,449	1,046,917
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	26	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	26	0
Construction and land development \| Other \| Pass
Loan portfolio by risk-rating grades
2025	644,909	316,880
2024	410,878	246,219
2023	226,065	399,895
2022	88,922	29,192
2021	22,381	3,091
Prior	9,094	4,902
Revolving Loans	53,106	28,315
Revolving Loans Converted to Term	1,505	175
Total Loans	1,456,860	1,028,669
Construction and land development \| Other \| Special mention
Loan portfolio by risk-rating grades
2025	457	165
2024	3,948	12,345
2023	727	1,882
2022	0	31
2021	0	59
Prior	107	0
Revolving Loans	244	0
Revolving Loans Converted to Term	0	0
Total Loans	5,483	14,482
Construction and land development \| Other \| Classified
Loan portfolio by risk-rating grades
2025	9,822	0
2024	592	19
2023	8,525	3,347
2022	3,148	173
2021	0	191
Prior	19	36
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	22,106	3,766
Construction and land development \| Other \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	11,771	4,378
2024	2,942	4,280
2023	6,328	3,257
2022	4,891	3,816
2021	8,407	2,018
Prior	3,943	482
Revolving Loans	132	0
Revolving Loans Converted to Term	0	0
Total Loans	38,414	18,231
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	7
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	7
Construction and land development \| Other \| Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	11,771	4,378
2024	2,921	4,269
2023	6,247	3,144
2022	4,744	3,807
2021	8,403	2,017
Prior	3,932	482
Revolving Loans	132	0
Revolving Loans Converted to Term	0	0
Total Loans	38,150	18,097
Construction and land development \| Other \| Non-Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	0	0
2024	21	11
2023	81	113
2022	147	9
2021	4	1
Prior	11	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	264	134
Real Estate - 1-4 Family Mortgage
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Total Charge-offs	1,457	966
Real Estate - 1-4 Family Mortgage \| Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	269,213	108,462
2024	150,538	90,023
2023	137,194	116,310
2022	191,230	65,019
2021	116,779	33,491
Prior	71,816	24,714
Revolving Loans	107,516	35,425
Revolving Loans Converted to Term	462	1,150
Total Loans	1,044,748	474,594
Real Estate - 1-4 Family Mortgage \| Subject to Credit Risk Assessment \| First lien
Loan portfolio by risk-rating grades
2025	251,292	103,597
2024	142,403	83,005
2023	129,819	113,132
2022	186,606	63,150
2021	114,068	32,059
Prior	69,209	23,574
Revolving Loans	3,230	4,873
Revolving Loans Converted to Term	0	984
Total Loans	896,627	424,374
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	34	0
2022	149	0
2021	64	0
Prior	78	66
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	325	66
Real Estate - 1-4 Family Mortgage \| Subject to Credit Risk Assessment \| Junior lien
Loan portfolio by risk-rating grades
2025	15,567	3,897
2024	7,330	6,013
2023	6,502	3,171
2022	3,854	932
2021	1,966	1,432
Prior	2,348	1,105
Revolving Loans	405	1,576
Revolving Loans Converted to Term	0	115
Total Loans	37,972	18,241
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	12
2023	11	0
2022	142	0
2021	0	0
Prior	278	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	431	12
Real Estate - 1-4 Family Mortgage \| Subject to Credit Risk Assessment \| Home equity
Loan portfolio by risk-rating grades
2025	2,354	968
2024	805	1,005
2023	873	7
2022	770	937
2021	745	0
Prior	259	35
Revolving Loans	103,881	28,976
Revolving Loans Converted to Term	462	51
Total Loans	110,149	31,979
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	92	0
Prior	93	33
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	185	33
Real Estate - 1-4 Family Mortgage \| Pass \| First lien
Loan portfolio by risk-rating grades
2025	249,929	103,192
2024	139,985	82,201
2023	128,534	112,684
2022	183,517	62,703
2021	112,078	31,966
Prior	66,988	22,794
Revolving Loans	3,230	4,873
Revolving Loans Converted to Term	0	913
Total Loans	884,261	421,326
Real Estate - 1-4 Family Mortgage \| Pass \| Junior lien
Loan portfolio by risk-rating grades
2025	14,819	3,758
2024	6,978	5,803
2023	5,915	3,171
2022	3,734	829
2021	1,909	1,432
Prior	1,740	469
Revolving Loans	405	1,576
Revolving Loans Converted to Term	0	96
Total Loans	35,500	17,134
Real Estate - 1-4 Family Mortgage \| Pass \| Home equity
Loan portfolio by risk-rating grades
2025	2,354	968
2024	805	1,005
2023	873	7
2022	267	937
2021	745	0
Prior	259	0
Revolving Loans	103,497	28,976
Revolving Loans Converted to Term	411	0
Total Loans	109,211	31,893
Real Estate - 1-4 Family Mortgage \| Special mention \| First lien
Loan portfolio by risk-rating grades
2025	263	41
2024	226	564
2023	525	187
2022	216	52
2021	530	24
Prior	76	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	1,836	868
Real Estate - 1-4 Family Mortgage \| Special mention \| Junior lien
Loan portfolio by risk-rating grades
2025	514	139
2024	132	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	646	139
Real Estate - 1-4 Family Mortgage \| Special mention \| Home equity
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Real Estate - 1-4 Family Mortgage \| Classified \| First lien
Loan portfolio by risk-rating grades
2025	1,100	364
2024	2,192	240
2023	760	261
2022	2,873	395
2021	1,460	69
Prior	2,145	780
Revolving Loans	0	0
Revolving Loans Converted to Term	0	71
Total Loans	10,530	2,180
Real Estate - 1-4 Family Mortgage \| Classified \| Junior lien
Loan portfolio by risk-rating grades
2025	234	0
2024	220	210
2023	587	0
2022	120	103
2021	57	0
Prior	608	636
Revolving Loans	0	0
Revolving Loans Converted to Term	0	19
Total Loans	1,826	968
Real Estate - 1-4 Family Mortgage \| Classified \| Home equity
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	503	0
2021	0	0
Prior	0	35
Revolving Loans	384	0
Revolving Loans Converted to Term	51	51
Total Loans	938	86
Real Estate - 1-4 Family Mortgage \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	333,353	152,541
2024	213,474	340,032
2023	345,975	706,868
2022	805,063	491,159
2021	534,744	279,682
Prior	733,503	417,569
Revolving Loans	609,124	499,157
Revolving Loans Converted to Term	15,049	13,692
Total Loans	3,590,285	2,900,700
Real Estate - 1-4 Family Mortgage \| Not Subject to Credit Risk Assessment \| First lien
Loan portfolio by risk-rating grades
2025	331,496	151,968
2024	209,270	339,214
2023	343,867	705,064
2022	801,481	490,266
2021	533,558	278,986
Prior	727,798	414,928
Revolving Loans	0	0
Revolving Loans Converted to Term	0	893
Total Loans	2,947,470	2,381,319
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	74	17
2023	28	195
2022	58	35
2021	0	110
Prior	69	81
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	229	438
Real Estate - 1-4 Family Mortgage \| Not Subject to Credit Risk Assessment \| Junior lien
Loan portfolio by risk-rating grades
2025	1,857	543
2024	4,088	818
2023	1,745	1,804
2022	2,868	893
2021	968	696
Prior	3,445	2,446
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	14,971	7,200
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	53	0
2023	0	0
2022	0	0
2021	0	0
Prior	7	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	60	0
Real Estate - 1-4 Family Mortgage \| Not Subject to Credit Risk Assessment \| Home equity
Loan portfolio by risk-rating grades
2025	0	30
2024	116	0
2023	363	0
2022	714	0
2021	218	0
Prior	2,260	195
Revolving Loans	609,124	499,157
Revolving Loans Converted to Term	15,049	12,799
Total Loans	627,844	512,181
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	330
2022	0	0
2021	148	0
Prior	79	87
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	227	417
Real Estate - 1-4 Family Mortgage \| Performing Loans \| Not Subject to Credit Risk Assessment \| First lien
Loan portfolio by risk-rating grades
2025	329,942	151,675
2024	207,890	335,268
2023	335,040	690,666
2022	783,952	484,688
2021	528,690	268,806
Prior	705,399	395,387
Revolving Loans	0	0
Revolving Loans Converted to Term	0	893
Total Loans	2,890,913	2,327,383
Real Estate - 1-4 Family Mortgage \| Performing Loans \| Not Subject to Credit Risk Assessment \| Junior lien
Loan portfolio by risk-rating grades
2025	1,857	532
2024	4,081	751
2023	1,689	1,804
2022	2,868	893
2021	968	696
Prior	3,050	2,065
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	14,513	6,741
Real Estate - 1-4 Family Mortgage \| Performing Loans \| Not Subject to Credit Risk Assessment \| Home equity
Loan portfolio by risk-rating grades
2025	0	30
2024	116	0
2023	184	0
2022	714	0
2021	218	0
Prior	1,960	177
Revolving Loans	608,808	499,052
Revolving Loans Converted to Term	13,334	9,553
Total Loans	625,334	508,812
Real Estate - 1-4 Family Mortgage \| Non-Performing Loans \| Not Subject to Credit Risk Assessment \| First lien
Loan portfolio by risk-rating grades
2025	1,554	293
2024	1,380	3,946
2023	8,827	14,398
2022	17,529	5,578
2021	4,868	10,180
Prior	22,399	19,541
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	56,557	53,936
Real Estate - 1-4 Family Mortgage \| Non-Performing Loans \| Not Subject to Credit Risk Assessment \| Junior lien
Loan portfolio by risk-rating grades
2025	0	11
2024	7	67
2023	56	0
2022	0	0
2021	0	0
Prior	395	381
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	458	459
Real Estate - 1-4 Family Mortgage \| Non-Performing Loans \| Not Subject to Credit Risk Assessment \| Home equity
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	179	0
2022	0	0
2021	0	0
Prior	300	18
Revolving Loans	316	105
Revolving Loans Converted to Term	1,715	3,246
Total Loans	2,510	3,369
Commercial Residential Mortgage
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Total Charge-offs	5,717	37
Commercial Residential Mortgage \| Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	1,696,446	576,021
2024	753,232	427,715
2023	597,999	1,447,378
2022	1,748,638	724,161
2021	676,417	428,874
Prior	657,353	484,792
Revolving Loans	113,358	105,645
Revolving Loans Converted to Term	2,037	32,331
Total Loans	6,245,480	4,226,917
Commercial Residential Mortgage \| Subject to Credit Risk Assessment \| Commercial real estate - owner occupied
Loan portfolio by risk-rating grades
2025	501,919	373,353
2024	602,513	271,445
2023	453,290	339,116
2022	541,607	275,077
2021	465,069	190,911
Prior	558,280	304,663
Revolving Loans	211,986	137,023
Revolving Loans Converted to Term	0	2,969
Total Loans	3,334,664	1,894,557
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	177	37
2022	0	0
2021	0	0
Prior	1,339	0
Revolving Loans	4,201	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	5,717	37
Commercial Residential Mortgage \| Subject to Credit Risk Assessment \| Multi family
Loan portfolio by risk-rating grades
2025	394,699	66,026
2024	71,999	37,149
2023	123,963	413,008
2022	548,165	316,773
2021	135,587	118,185
Prior	115,521	28,105
Revolving Loans	2,845	4,164
Revolving Loans Converted to Term	0	1,627
Total Loans	1,392,779	985,037
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	0
Commercial Residential Mortgage \| Subject to Credit Risk Assessment \| Other
Loan portfolio by risk-rating grades
2025	1,301,747	509,995
2024	681,233	390,566
2023	474,036	1,034,370
2022	1,200,473	407,388
2021	540,830	310,689
Prior	541,832	456,687
Revolving Loans	110,513	101,481
Revolving Loans Converted to Term	2,037	30,704
Total Loans	4,852,701	3,241,880
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	160	5,693
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	160	5,693
Commercial Residential Mortgage \| Pass \| Commercial real estate - owner occupied
Loan portfolio by risk-rating grades
2025	497,708	372,183
2024	586,917	261,624
2023	438,247	330,018
2022	520,128	271,228
2021	447,885	188,860
Prior	527,129	299,578
Revolving Loans	210,685	130,847
Revolving Loans Converted to Term	0	2,717
Total Loans	3,228,699	1,857,055
Commercial Residential Mortgage \| Pass \| Multi family
Loan portfolio by risk-rating grades
2025	360,750	65,912
2024	69,068	37,149
2023	123,477	387,936
2022	548,165	316,773
2021	135,587	118,185
Prior	114,726	28,056
Revolving Loans	2,845	4,164
Revolving Loans Converted to Term	0	1,627
Total Loans	1,354,618	959,802
Commercial Residential Mortgage \| Pass \| Other
Loan portfolio by risk-rating grades
2025	1,286,217	488,183
2024	657,184	390,190
2023	470,862	966,482
2022	1,118,903	401,270
2021	525,177	307,106
Prior	482,460	402,164
Revolving Loans	108,900	101,481
Revolving Loans Converted to Term	0	22,733
Total Loans	4,649,703	3,079,609
Commercial Residential Mortgage \| Special mention \| Commercial real estate - owner occupied
Loan portfolio by risk-rating grades
2025	3,807	948
2024	6,263	348
2023	3,993	388
2022	15,360	850
2021	2,971	131
Prior	13,295	1,538
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	45,689	4,203
Commercial Residential Mortgage \| Special mention \| Multi family
Loan portfolio by risk-rating grades
2025	33,062	0
2024	2,918	0
2023	0	25,072
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	35,980	25,072
Commercial Residential Mortgage \| Special mention \| Other
Loan portfolio by risk-rating grades
2025	0	4,900
2024	4,741	21
2023	2,249	52,670
2022	37,841	814
2021	9,328	1,138
Prior	7,852	8,254
Revolving Loans	138	0
Revolving Loans Converted to Term	0	0
Total Loans	62,149	67,797
Commercial Residential Mortgage \| Classified \| Commercial real estate - owner occupied
Loan portfolio by risk-rating grades
2025	404	222
2024	9,333	9,473
2023	11,050	8,710
2022	6,119	2,999
2021	14,213	1,920
Prior	17,856	3,547
Revolving Loans	1,301	6,176
Revolving Loans Converted to Term	0	252
Total Loans	60,276	33,299
Commercial Residential Mortgage \| Classified \| Multi family
Loan portfolio by risk-rating grades
2025	887	114
2024	13	0
2023	486	0
2022	0	0
2021	0	0
Prior	795	49
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	2,181	163
Commercial Residential Mortgage \| Classified \| Other
Loan portfolio by risk-rating grades
2025	15,530	16,912
2024	19,308	355
2023	925	15,218
2022	43,729	5,304
2021	6,325	2,445
Prior	51,520	46,269
Revolving Loans	1,475	0
Revolving Loans Converted to Term	2,037	7,971
Total Loans	140,849	94,474
Commercial Residential Mortgage \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	21
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	21
Commercial Residential Mortgage \| Not Subject to Credit Risk Assessment \| Commercial real estate - owner occupied
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	121
Prior	0	1
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	122
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	0
Commercial Residential Mortgage \| Not Subject to Credit Risk Assessment \| Multi family
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	0
Commercial Residential Mortgage \| Not Subject to Credit Risk Assessment \| Other
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	21
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	21
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	0
Commercial Residential Mortgage \| Performing Loans \| Not Subject to Credit Risk Assessment \| Commercial real estate - owner occupied
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	121
Prior	0	1
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	122
Commercial Residential Mortgage \| Performing Loans \| Not Subject to Credit Risk Assessment \| Multi family
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Commercial Residential Mortgage \| Performing Loans \| Not Subject to Credit Risk Assessment \| Other
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	21
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	21
Commercial Residential Mortgage \| Non-Performing Loans \| Not Subject to Credit Risk Assessment \| Commercial real estate - owner occupied
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Commercial Residential Mortgage \| Non-Performing Loans \| Not Subject to Credit Risk Assessment \| Multi family
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Commercial Residential Mortgage \| Non-Performing Loans \| Not Subject to Credit Risk Assessment \| Other
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Consumer
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
Total Charge-offs	1,524	1,856
Consumer \| Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	0	5
2024	0	0
2023	2	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	2	5
Consumer \| Subject to Credit Risk Assessment \| Consumer
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	0	0
Consumer \| Pass \| Consumer
Loan portfolio by risk-rating grades
2025	0	5
2024	0	0
2023	2	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	2	5
Consumer \| Special mention \| Consumer
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Consumer \| Classified \| Consumer
Loan portfolio by risk-rating grades
2025	0	0
2024	0	0
2023	0	0
2022	0	0
2021	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Consumer \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	40,081	32,598
2024	15,374	11,488
2023	9,009	7,971
2022	6,276	3,815
2021	3,636	1,317
Prior	11,482	17,261
Revolving Loans	21,877	15,530
Revolving Loans Converted to Term	163	29
Total Loans	107,898	90,009
Consumer \| Not Subject to Credit Risk Assessment \| Consumer
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]
2025	53	36
2024	214	110
2023	159	69
2022	74	15
2021	50	3
Prior	955	1,623
Revolving Loans	19	0
Revolving Loans Converted to Term	0	0
Total Charge-offs	1,524	1,856
Consumer \| Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	40,079	32,561
2024	15,371	11,472
2023	9,006	7,971
2022	6,238	3,802
2021	3,636	1,317
Prior	11,376	17,212
Revolving Loans	21,874	15,529
Revolving Loans Converted to Term	163	29
Total Loans	107,743	89,893
Consumer \| Non-Performing Loans \| Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2025	2	37
2024	3	16
2023	3	0
2022	38	13
2021	0	0
Prior	106	49
Revolving Loans	3	1
Revolving Loans Converted to Term	0	0
Total Loans	$ 155	$ 116

Income Taxes - Schedule of Income Tax Reconciliation - Current Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Tax Expense (Benefit), Effective Income Tax Rate Reconciliation, Amount [Abstract]
US federal statutory income tax rate	$ 47,614	$ 51,443	$ 37,209
State and local income taxes, net of federal income tax effects	236	(262)	(1,929)
Low income housing tax credits and other tax benefits, net of proportional amortization	(1,026)
Transferrable energy tax credits, net of cost	(529)
Tax-exempt interest income	(3,226)
Bank-owned life insurance	(2,991)
Other	4,619
Changes in unrecognized tax benefits	(54)
Other adjustments	817	1,294	1,091
Total income tax expense	$ 45,460	$ 49,508	$ 32,509
Effective Income Tax Rate Reconciliation, Percent [Abstract]
US federal statutory income tax rate	21.00%
State and local income taxes, net of federal income tax effects	0.10%
Low income housing tax credits and other tax benefits, net of proportional amortization	(0.0045)
Transferrable energy tax credits, net of cost	(0.23%)
Tax-exempt interest income	(0.0142)
Bank-owned life insurance	(1.32%)
Other	2.04%
Changes in unrecognized tax benefits	(0.02%)
Other adjustments	0.35%
Effective income tax rate	20.05%	20.21%	18.35%
Tax credits and related benefits	$ 5,371
Proportional amortization	4,345
Transferrable tax credit	5,315
Related cost	$ 4,786

Mergers and Acquisitions - Schedule of the Allocation of Purchase Price to Assets and Liabilities Acquired (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
	Apr. 01, 2025	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Purchase Price:
Value of stock paid		$ 1,050,821	$ 0	$ 0
The First
Purchase Price:
Shares issued to common shareholders, excluding unvested restricted stock awards	30,811,851
Purchase price per share	$ 33.93
Value of stock paid	$ 1,045,446
Fair value of converted unvested restricted stock awards for pre-combination service	5,375
Cash settlement for stock options, net of tax benefit	1,869
Total Purchase Price	$ 1,052,690

Derivative Instruments - Schedule of Offsetting Derivatives (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Offsetting Derivative Assets
Gross amounts recognized	$ 21,867	$ 34,505
Gross amounts offset in the consolidated balance sheets	0	0
Net amounts presented in the consolidated balance sheets	21,867	34,505
Financial instruments - derivative assets available for offset	17,110	27,939
Financial collateral (cash) pledged	0	0
Net amounts	4,757	6,566
Offsetting Derivative Liabilities
Gross amounts recognized	17,650	28,550
Gross amounts offset in the consolidated balance sheets	0	0
Net amounts presented in the consolidated balance sheets	17,650	28,550
Financial instruments - derivative assets available for offset	17,110	27,939
Financial collateral (cash) pledged	20	611
Net amounts	$ 520	$ 0

Regulatory Matters - Capital and Risk-based Capital and Leverage Ratios (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 Capital to Average Assets (Leverage) - Amount	$ 136,235
Renasant Corporation
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 Capital to Average Assets (Leverage) - Amount	$ 2,424,528	$ 1,935,522
Tier 1 Capital to Average Assets (Leverage) - Ratio	0.0961	0.1134
Common Equity Tier 1 Capital to Risk-Weighted Assets - Amount	$ 2,424,528	$ 1,825,197
Common Equity Tier 1 Capital to Risk-Weighted Assets - Ratio	11.24%	12.73%
Tier 1 Capital to Risk-Weighted Assets - Amount	$ 2,424,528	$ 1,935,522
Tier 1 Capital to Risk-Weighted Assets - Ratio	0.1124	0.1350
Total Capital to Risk-Weighted Assets - Amount	$ 3,190,074	$ 2,449,129
Total Capital to Risk-Weighted Assets - Ratio	0.1478	0.1708
Renasant Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 Capital to Average Assets (Leverage) - Amount	$ 2,590,284	$ 1,843,123
Tier 1 Capital to Average Assets (Leverage) - Ratio	0.1028	0.1080
Common Equity Tier 1 Capital to Risk-Weighted Assets - Amount	$ 2,590,284	$ 1,843,123
Common Equity Tier 1 Capital to Risk-Weighted Assets - Ratio	12.00%	12.85%
Tier 1 Capital to Risk-Weighted Assets - Amount	$ 2,590,284	$ 1,843,123
Tier 1 Capital to Risk-Weighted Assets - Ratio	0.1200	0.1285
Total Capital to Risk-Weighted Assets - Amount	$ 2,860,621	$ 2,022,737
Total Capital to Risk-Weighted Assets - Ratio	0.1325	0.1410

Allowance for Credit Losses - Schedule of Unfunded Loan Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Allowance for loan losses:
Beginning balance	$ 14,943	$ 16,918
Provision for (reversal of) credit losses on unfunded loan commitments	14,884	(1,975)
Ending balance	$ 29,827	$ 14,943

Mergers and Acquisitions

12 Months Ended

Dec. 31, 2025

Business Combination [Abstract]

Mergers and Acquisitions

(Dollar amounts in thousands, except per share data)

Acquisition of The First Bancshares, Inc. (“The First”)

Effective April 1, 2025, the Company completed its acquisition by merger of The First, the parent company of The First Bank, in a transaction valued at approximately $1,052,690. The Company issued 30,811,851 shares of common stock and paid approximately $1,869, net of tax benefit, to The First stock option holders for 100% of the voting equity interest in The First. 426,321 shares of unvested restricted stock awards of The First were assumed and converted into restricted stock awards of Renasant, subject to the same terms and conditions. At closing, The First merged with and into the Company, with the Company the surviving corporation in the merger; immediately thereafter, The First Bank merged with and into Renasant Bank, with Renasant Bank the surviving banking corporation in the merger. Before the merger, The First operated 116 banking locations throughout Louisiana, Mississippi, Alabama, Georgia and Florida. The Company incurred transaction costs of $49,331 during the year ended December 31, 2025. These transaction costs are reported in the line item “Merger and conversion-related expenses” in the Consolidated Statements of Income.

The transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired and liabilities assumed were recorded at estimated fair values as of the acquisition date. The Company recorded approximately $583,672 in intangible assets, which consist of goodwill of $418,196, a core deposit intangible of $165,476 and a customer relationship intangible of $5,866 associated with Southwest Georgia Insurance Services, Inc. (“SGIS”), The First’s wholly-owned insurance subsidiary. Goodwill resulted from a combination of revenue enhancements from expansion in existing markets and efficiencies resulting from operational synergies. As a result of various measurement period adjustments identified during the third and fourth quarters of 2025, the estimated fair value of goodwill as of the acquisition date decreased $12,688 from $430,884 to $418,196. The goodwill is not deductible for income tax purposes. The fair value of the core deposit intangible is being amortized over the estimated useful life, currently expected to be approximately 10 years. On December 31, 2025, substantially all of the assets and liabilities of SGIS, including the customer relationship intangible, were sold, with no gain or loss recognized on the sale. The calculation of goodwill is subject to change as additional information, specifically regarding final valuations of a few properties included in premises and equipment, becomes available during the one-year measurement period.

The Company assumed the outstanding short-term borrowings and long-term debt of The First. Short-term borrowings consisted of $298,250 in short-term advances from the Federal Home Loan Bank. Long-term debt consisted of $95,262 and $25,653 in subordinated notes and junior subordinated debentures, respectively.

The following table summarizes the calculation of the purchase price in connection with the Company’s merger with The First.


Purchase Price:
Shares issued to common shareholders, excluding unvested restricted stock awards	30,811,851
Purchase price per share	$	33.93
Value of stock paid	$	1,045,446
Fair value of converted unvested restricted stock awards for pre-combination service	5,375
Cash settlement for stock options, net of tax benefit	1,869
Total Purchase Price	$	1,052,690

The following table summarizes the preliminary fair value on April 1, 2025 of assets acquired and liabilities assumed on that date in connection with the merger with The First:


	Preliminary Fair Value of Net Assets Acquired at Date of Acquisition		Measurement Period Adjustments		Fair Value of Net Assets Acquired at Date of Acquisition
Cash and cash equivalents	$	263,352	$	—	$	263,352
Securities	1,457,203		174		1,457,377
Loans, including loans held for sale	5,174,903		(1,569)		5,173,334
Premises and equipment	173,174		8,580		181,754
Bank-owned life insurance	146,601		—		146,601
Other real estate owned	11,109		(77)		11,032
Other intangible assets	159,610		5,866		165,476
Other assets	173,359		526		173,885
Total identifiable assets	$	7,559,311	$	13,500	$	7,572,811

Deposits	$	6,449,393	$	—	$	6,449,393
Borrowings	419,165		—		419,165
Other liabilities	59,857		9,902		69,759
Total liabilities	$	6,928,415	$	9,902	$	6,938,317

Net identifiable assets acquired over liabilities assumed	$	630,896	$	3,598	$	634,494
Goodwill(1)	430,884		(12,688)		418,196
Net assets acquired over liabilities assumed	$	1,061,780	$	(9,090)	$	1,052,690

(1) The goodwill resulting from the merger has been assigned to the Community Banks operating segment.

The following table presents additional information related to the acquired loan portfolio at the acquisition date:


	April 1, 2025
Purchased Credit-Deteriorated (“PCD”) loans:
Par value	$	168,511
Allowance for credit losses at acquisition	(25,003)
Non-credit discount	(4,021)
Fair value on the date of acquisition	$	139,487

Non-PCD loans:
Fair value	$	5,032,996
Gross contractual amounts receivable	5,233,447
Estimate of contractual cash flows not expected to be collected	62,190

Supplemental Pro Forma Combined Condensed Consolidated Results of Operations (unaudited)

The following unaudited pro forma combined condensed consolidated financial information presents the results of operations for the twelve months ended December 31, 2025 and 2024 of the Company as though the merger with The First had been completed as of January 1, 2024. The unaudited estimated pro forma information combines the historical results of The First with the Company’s historical consolidated results and applies the impact of purchase accounting adjustments such as loan discount accretion, deposit amortization and intangible assets amortization as if the merger was completed as of January 1, 2024. It excludes $20,479 of merger-related expenses and $66,612 of Day 1 acquisition provision expense from the second

quarter of 2025 and instead includes such expenses in the first quarter of 2024. The pro forma information is not necessarily indicative of what would have occurred had the acquisition taken place on January 1, 2024. The pro forma information does not include the effect of any cost-saving or revenue-enhancing strategies. Other than the aforementioned $20,479 in merger-related expenses, which were attributed to the first quarter of 2024, merger expenses are reflected in the period in which they were incurred.


	Year Ended
	December 31,
	2025		2024
Net interest income - pro forma	$	853,353	$	835,583

Noninterest income - pro forma	$	190,414	$	245,836

Net income - pro forma	$	240,043	$	249,555

Earnings per share - pro forma:
Basic	$	2.76	$	2.75
Diluted	$	2.74	$	2.73

Due to the timing of system conversion and the integration of operations into the Company’s existing operations, historical reporting for acquired operations is impracticable, and, therefore, disclosure of the amounts of revenue and expenses of the acquired institution since the acquisition date is impracticable.

The entire disclosure for business combination.

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Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Treasury Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)
Beginning balance (in shares) at Dec. 31, 2022		55,953,104
Beginning balance at Dec. 31, 2022	$ 2,136,016	$ 296,483	$ (111,577)	$ 1,302,422	$ 857,725	$ (209,037)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	144,678				144,678
Other comprehensive income	54,781					54,781
Comprehensive income	199,459
Cash dividends	(50,279)				(50,279)
Issuance of common stock for stock-based compensation awards (in shares)		189,103
Issuance of common stock for stock-based compensation awards	(1,529)		6,328	(7,857)
Stock-based compensation expense	13,716			13,716
Ending balance (in shares) at Dec. 31, 2023		56,142,207
Ending balance at Dec. 31, 2023	2,297,383	$ 296,483	(105,249)	1,308,281	952,124	(154,256)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	195,457				195,457
Other comprehensive income	11,648					11,648
Comprehensive income	207,105
Cash dividends	(53,727)				(53,727)
Common stock issued in public offering (in shares)		7,187,500
Common stock issued in public offering	217,000	$ 35,938		181,062
Issuance of common stock for stock-based compensation awards (in shares)		235,983
Issuance of common stock for stock-based compensation awards	(3,326)		8,053	(11,379)
Stock-based compensation expense	$ 13,883			13,883
Ending balance (in shares) at Dec. 31, 2024	63,565,690	63,565,690
Ending balance at Dec. 31, 2024	$ 2,678,318	$ 332,421	(97,196)	1,491,847	1,093,854	(142,608)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	181,272				181,272
Other comprehensive income	52,876					52,876
Comprehensive income	234,148
Repurchase of shares in connection with stock repurchase program (in shares)		(388,940)
Repurchase of shares in connection with stock repurchase program	(13,336)		(13,336)
Cash dividends	(78,604)				(78,604)
Common stock issued in connection with an acquisition (in shares)		31,238,172
Common stock issued in connection with an acquisition	1,050,821	$ 156,191		894,630
Issuance of common stock for stock-based compensation awards (in shares)		221,285
Issuance of common stock for stock-based compensation awards	(4,165)		7,038	(11,203)
Stock-based compensation expense	$ 17,723			17,723
Ending balance (in shares) at Dec. 31, 2025	94,636,207	94,636,207
Ending balance at Dec. 31, 2025	$ 3,884,905	$ 488,612	$ (103,494)	$ 2,392,997	$ 1,196,522	$ (89,732)

Income Taxes - Schedule of Components of Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Current
Federal	$ 42,732	$ 42,179	$ 36,138
State	1,041	2,680	1,376
Total	43,773	44,859	37,514
Deferred
Federal	2,448	7,028	(1,187)
State	(761)	(2,379)	(3,818)
Total	1,687	4,649	(5,005)
Total income tax expense	$ 45,460	$ 49,508	$ 32,509

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-10

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(9))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-SubTopic 20
-Topic 740
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482659/740-20-45-2

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(h))
-SubTopic 10
-Topic 235
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Other Comprehensive Income (Loss)

Regulatory Matters - Narrative (Details)	Jan. 01, 2020
Banking and Thrift, Interest [Abstract]
Regulatory capital, transitional period to phase out capital benefit by two-year delay	3 years

Leases - Lessor Maturity (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Leases [Abstract]
2026	$ 409
2027	123
2028	380
2029	6,983
2030	2,640
Thereafter	18,996
Total lease receivables	$ 29,531

Mortgage Servicing Rights - Schedule of Changes in the Company's Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Changes in mortgage servicing rights
Beginning balance	$ 72,991	$ 91,688
Sale of MSRs	(7,886)	(19,539)
Additions	9,144	10,195
Amortization	(8,978)	(9,353)
Ending balance	$ 65,271	$ 72,991

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 181,272	$ 195,457	$ 144,678
Securities available for sale:
Unrealized holding gains on securities	47,347	1,074	15,128
Reclassification adjustment for losses realized in net income	0	0	31,063
Amortization of unrealized holding losses on securities transferred to the held to maturity category	8,610	9,476	10,091
Total securities available for sale	55,957	10,550	56,282
Derivative instruments:
Unrealized holding losses on derivative instruments	(6,960)	(1,961)	(4,524)
Amounts reclassified into earnings	(3,129)	(2,339)	(2,619)
Total derivative instruments	(3,831)	378	(1,905)
Defined benefit pension and post-retirement benefit plans:
Net gain arising during the period	454	405	60
Amortization of net actuarial loss recognized in net periodic pension cost	296	315	344
Total defined benefit pension and post-retirement benefit plans	750	720	404
Other comprehensive income, net of tax	52,876	11,648	54,781
Comprehensive income	$ 234,148	$ 207,105	$ 199,459

Leases - Operating Lease Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Lessee, Operating Lease, Liability, to be Paid, Fiscal Year Maturity [Abstract]
2026	$ 6,939
2027	6,531
2028	6,296
2029	6,117
2030	5,844
Thereafter	45,424
Total undiscounted cash flows	77,151
Discount on cash flows	(19,924)
Total operating lease liabilities	$ 57,227	$ 49,385

Loans - Narrative (Details) $ in Thousands	12 Months Ended
Loans - Narrative (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Unearned income	$ 5,152	$ 4,480
Unamortized net deferred (fees) costs	(1,900)	8,484
Unamortized purchase accounting discounts, net of premiums	161,591	4,804
Interest receivable	54,395	54,804
Unused commitments	578	1,135
Collateral pledged	681,719	656,683
Unfunded commitment	$ 17,178	1,168
Minimum \| Internal Investment Grade
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, credit quality risk rating grade	10
Minimum \| Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, credit quality risk rating grade	10
Minimum \| Special mention
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, credit quality risk rating grade	70
Maximum \| Internal Investment Grade
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, credit quality risk rating grade	95
Maximum \| Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, credit quality risk rating grade	69
Maximum \| Special mention
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, credit quality risk rating grade	79
Commercial and industrial \| Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, modified, weighted average term increase from modification	30 days
Commercial and industrial \| Maximum
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, modified, weighted average term increase from modification	89 days
Cumulative Effect, Period of Adoption, Adjustment \| Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, modified, with subsequent deterioration		$ 34

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 299,592	$ 198,408
Interest-bearing balances with banks	771,126	893,624
Cash and cash equivalents	1,070,718	1,092,032
Securities held to maturity (net of allowance for credit losses of $32 at both December 31, 2025 and 2024) (fair value of $961,870 and $1,002,544, respectively)	1,030,073	1,126,112
Securities available for sale, at fair value (amortized cost of $2,635,495 and $968,927, respectively)	2,560,818	831,013
Loans held for sale, at fair value	265,959	246,171
Loans held for investment, net of unearned income	19,047,039	12,885,020
Allowance for credit losses	(293,955)	(201,756)
Loans, net	18,753,084	12,683,264
Premises and equipment, net	465,141	279,796
Other real estate owned, net	15,191	8,673
Goodwill	1,405,840	988,898
Other intangible assets, net	146,612	14,105
Bank-owned life insurance	492,541	391,810
Mortgage servicing rights, net	65,271	72,991
Other assets	480,178	300,003
Total assets	26,751,426	18,034,868
Deposits
Noninterest-bearing	5,043,960	3,403,981
Interest-bearing	16,429,110	11,168,631
Total deposits	21,473,070	14,572,612
Short-term borrowings	555,774	108,018
Long-term debt	499,756	430,614
Other liabilities	337,921	245,306
Total liabilities	22,866,521	15,356,550
Shareholders’ equity
Preferred stock, $0.01 par value – 5,000,000 shares authorized; no shares issued and outstanding	0	0
Common stock, $5.00 par value – 250,000,000 and 150,000,000 shares authorized, respectively; 97,722,397 and 66,484,225.00 shares issued, respectively; 94,636,207 and 63,565,690 shares outstanding, respectively	488,612	332,421
Treasury stock, at cost, 3,086,190 and 2,918,535 shares, respectively	(103,494)	(97,196)
Additional paid-in capital	2,392,997	1,491,847
Retained earnings	1,196,522	1,093,854
Accumulated other comprehensive loss, net of taxes	(89,732)	(142,608)
Total shareholders’ equity	3,884,905	2,678,318
Total liabilities and shareholders’ equity	$ 26,751,426	$ 18,034,868
Common Stock, Shares, Issued	97,722,397	66,484,225

Commitments, Contingent Liabilities and Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]
Commitments, Contingent Liabilities and Financial Instruments with Off-Balance Sheet Risk	Commitments, Contingent Liabilities and Financial Instruments with Off-Balance Sheet Risk (In Thousands) Loan commitments are made to accommodate the financial needs of the Company’s customers. Standby letters of credit commit the Company to make payments on behalf of customers when certain specified future events occur. Both arrangements have credit risk essentially the same as that involved in extending loans to customers and are subject to the Company’s normal credit policies. Collateral (e.g., securities, receivables, inventory, equipment, etc.) is obtained based on management’s credit assessment of the customer. The Company’s unfunded loan commitments (unfunded loans and unused lines of credit) and standby letters of credit outstanding at December 31, 2025 were $3,662,810 and $122,367, respectively, compared to $2,856,308 and $90,267, respectively, at December 31, 2024. For information on the allowance for credit losses on unfunded loan commitments, see Note 5, “Allowance for Credit Losses”. Various claims and lawsuits are pending against the Company and Renasant Bank. In the opinion of management, after consultation with legal counsel, resolution of these matters is not expected to have a material effect on the consolidated financial statements. Market risk resulting from interest rate changes on particular off-balance sheet financial instruments may be offset by other on - or off-balance sheet transactions. Interest rate sensitivity is monitored by the Company for determining the net effect of potential changes in interest rates on the market value of both on- and off-balance sheet financial instruments.

Other Comprehensive Income (Loss)

12 Months Ended

Dec. 31, 2025

Equity [Abstract]

(In Thousands)

Changes in the components of other comprehensive income (loss), net of tax, were as follows:


	Pre-Tax		Tax Expense (Benefit)		Net of Tax
Year Ended December 31, 2025
Securities available for sale:
Unrealized holding gains on securities	$	63,237	$	15,890	$	47,347



Amortization of unrealized holding losses on securities transferred to the held to maturity category	11,571		2,961		8,610
Total securities available for sale	74,808		18,851		55,957
Derivative instruments:
Unrealized holding losses on derivative instruments	(9,349)		(2,389)		(6,960)
Amounts reclassified into earnings	4,203		1,074		3,129
Total derivative instruments	(5,146)		(1,315)		(3,831)
Defined benefit pension and post-retirement benefit plans:
Net gain arising during the period	610		156		454


Amortization of net actuarial loss recognized in net periodic pension cost(1)	397		101		296

Total defined benefit pension and post-retirement benefit plans	1,007		257		750
Total other comprehensive income	$	70,669	$	17,793	$	52,876
Year Ended December 31, 2024
Securities available for sale:
Unrealized holding gains on securities	$	1,455	$	381	$	1,074


Amortization of unrealized holding losses on securities transferred to the held to maturity category	12,731		3,255		9,476
Total securities available for sale	14,186		3,636		10,550
Derivative instruments:
Unrealized holding losses on derivative instruments	(2,636)		(675)		(1,961)
Amounts reclassified into earnings	3,144		805		2,339
Total derivative instruments	508		130		378
Defined benefit pension and post-retirement benefit plans:
Net gain arising during the period	543		138		405


Amortization of net actuarial loss recognized in net periodic pension cost(1)	423		108		315

Total defined benefit pension and post-retirement benefit plans	966		246		720
Total other comprehensive income	$	15,660	$	4,012	$	11,648


	Pre-Tax		Tax Expense (Benefit)		Net of Tax
Year Ended December 31, 2023
Securities available for sale:
Unrealized holding gains on securities	$	20,194	$	5,066	$	15,128

Reclassification adjustment for gains realized in net income(2)	41,494		10,431		31,063
Amortization of unrealized holding losses on securities transferred to the held to maturity category	13,557		3,466		10,091
Total securities available for sale	75,245		18,963		56,282
Derivative instruments:
Unrealized holding losses on derivative instruments	(6,077)		(1,553)		(4,524)
Amounts reclassified into earnings	3,519		900		2,619
Total derivative instruments	(2,558)		(653)		(1,905)
Defined benefit pension and post-retirement benefit plans:
Net gain arising during the period	80		20		60


Amortization of net actuarial loss recognized in net periodic pension cost(1)	462		118		344


Total defined benefit pension and post-retirement benefit plans	542		138		404
Total other comprehensive income	$	73,229	$	18,448	$	54,781

(1) Included in Salaries and employee benefits in the Consolidated Statements of Income

(2) Included in Net losses on sales of securities and Impairment losses on securities in the Consolidated Statements of Income

The accumulated balances for each component of other comprehensive loss, net of tax, at December 31 were as follows:


	2025		2024		2023
Unrealized losses on securities	$	(96,977)	$	(152,934)	$	(163,484)

Unrealized gains on derivative instruments	13,598		17,429		17,051
Unrecognized losses on defined benefit pension and post-retirement benefit plans obligations	(6,353)		(7,103)		(7,823)
Total accumulated other comprehensive loss	$	(89,732)	$	(142,608)	$	(154,256)

Mortgage Servicing Rights

12 Months Ended

Dec. 31, 2025

Transfers and Servicing [Abstract]

Mortgage Servicing Rights

(In Thousands)

Changes in the Company’s mortgage servicing rights (“MSRs”) were as follows, for the periods presented:


Carrying value at January 1, 2024	$	91,688

Sale of MSRs	(19,539)
Additions	10,195
Amortization	(9,353)

Carrying value at December 31, 2024	72,991

Sale of MSRs	(7,886)
Additions	9,144
Amortization	(8,978)

Carrying value at December 31, 2025	$	65,271

The gains recognized on the sale of MSRs are included in “Mortgage banking income” in the Consolidated Statements of Income. During 2025, the Company sold a portion of its MSR portfolio for net proceeds of $9,353, resulting in a gain of $1,467. During 2024, the Company sold a portion of its MSR portfolio for net proceeds of $23,011, resulting in a gain of $3,472.

Data and key economic assumptions related to the Company’s mortgage servicing rights as of December 31 are as follows:


	2025			2024			2023
Unpaid principal balance	$	5,648,033		$	6,008,937		$	7,826,182
Weighted-average prepayment speed (CPR)	10.90		%	9.48		%	8.77		%
Estimated impact of a 10% increase	$	(2,953)		$	(3,134)		$	(2,653)
Estimated impact of a 20% increase	(5,719)			(6,062)			(5,457)

Discount rate	9.85		%	11.05		%	10.85		%
Estimated impact of a 100bp increase	$	(3,199)		$	(3,809)		$	(4,753)
Estimated impact of a 200bp increase	(6,195)			(7,336)			(9,149)

Weighted-average coupon interest rate	4.59		%	4.29		%	3.88		%
Weighted-average servicing fee (basis points)	33.86			35.91			33.24
Weighted-average remaining maturity (in years)	6.80			7.30			7.50

The movement of mortgage interest rates has an inverse relationship with prepayment speeds and discount rates.

The Company recorded servicing fees of $12,456, $15,177 and $18,081, for the twelve months ended December 31, 2025, 2024 and 2023, respectively. These fees are included under the line item “Mortgage banking income” in the Consolidated Statements of Income.

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480591/815-20-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-04(11))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Subparagraph (b)(2)
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-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Publisher FASB
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

Net Income Per Common Share

Net Income Per Common Share

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

(In Thousands, Except Share and Per Share Data)

Basic and diluted net income per common share calculations are as follows for the periods presented:


	Year Ended December 31,
	2025		2024		2023
Basic
Net income applicable to common stock	$	181,272	$	195,457	$	144,678
Average common shares outstanding	86,940,841		59,350,157		56,099,689
Net income per common share—basic	$	2.09	$	3.29	$	2.58
Diluted
Net income applicable to common stock	$	181,272	$	195,457	$	144,678
Average common shares outstanding	86,940,841		59,350,157		56,099,689
Effect of dilutive stock-based compensation	573,942		398,633		348,474
Average common shares outstanding—diluted	87,514,783		59,748,790		56,448,163
Net income per common share—diluted	$	2.07	$	3.27	$	2.56


	Year Ended
	December 31,
	2025	2024	2023
Number of shares	1,000	—	6,600

Deposits - Schedule of Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Mortgage Banking [Abstract]
2026	$ 3,317,995
2027	94,851
2028	34,418
2029	12,433
2030	10,983
Thereafter	13,214
Total	$ 3,483,894	$ 2,479,284

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Interest income
Loans	$ 1,128,013	$ 806,296	$ 716,456
Securities
Taxable	90,054	37,383	44,482
Tax-exempt	10,920	4,541	6,006
Other	33,272	39,557	30,375
Total interest income	1,262,259	887,777	797,319
Interest expense
Deposits	412,553	346,592	232,331
Borrowings	45,737	28,989	45,661
Total interest expense	458,290	375,581	277,992
Net interest income	803,969	512,196	519,327
Provision for credit losses on loans	92,573	11,248	18,793
Provision for (reversal of) credit losses on unfunded commitments	14,884	(1,975)	(3,200)
Provision for credit losses	107,457	9,273	15,593
Net interest income after provision for credit losses	696,512	502,923	503,734
Noninterest income
Service charges on deposit accounts	51,933	41,779	39,199
Fees and commissions	19,796	16,190	17,901
Insurance commissions	0	5,473	11,102
Wealth management revenue	31,201	23,559	22,132
Mortgage banking income	37,351	36,376	32,413
Gain on sale of insurance agency	0	53,349	0
Gain on debt extinguishment	0	56	620
Net losses on sales of securities	0	0	(22,438)
Impairment losses on securities	0	0	(19,352)
BOLI income	14,244	11,567	10,463
Other	27,355	15,311	21,035
Total noninterest income	181,880	203,660	113,075
Noninterest expense
Salaries and employee benefits	368,563	283,768	281,768
Data processing	20,704	16,030	15,195
Net occupancy and equipment	63,651	45,960	46,471
Other real estate owned	1,651	858	267
Professional fees	14,869	12,418	13,671
Advertising and public relations	18,355	16,210	14,726
Intangible amortization	27,103	4,691	5,380
Communications	13,665	8,379	8,238
Merger and conversion related expenses	49,331	13,349	0
Other	73,768	59,955	53,906
Total noninterest expense	651,660	461,618	439,622
Income before income taxes	226,732	244,965	177,187
Income taxes	45,460	49,508	32,509
Net income (loss)	$ 181,272	$ 195,457	$ 144,678
Basic earnings per share (usd per share)	$ 2.09	$ 3.29	$ 2.58
Diluted earnings per share (usd per share)	$ 2.07	$ 3.27	$ 2.56

Renasant Corporation (Parent Company Only) Condensed Financial Information - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 1,070,718	$ 1,092,032
Accrued interest receivable on bank balances	54,395	54,804
Other assets	480,178	300,003
Total assets	26,751,426	18,034,868	$ 17,360,535
Liabilities and shareholders’ equity
Other liabilities	337,921	245,306
Shareholders’ equity	3,884,905	2,678,318	$ 2,297,383	$ 2,136,016
Total liabilities and shareholders’ equity	26,751,426	18,034,868
Renasant Corporation
Assets
Cash and cash equivalents	303,387	405,782
Investment in subsidiaries	4,050,288	2,694,503
Accrued interest receivable on bank balances	2	27
Other assets	49,344	30,726
Total assets	4,403,021	3,131,038
Liabilities and shareholders’ equity
Junior subordinated debentures	140,632	113,916
Subordinated notes	359,123	316,698
Other liabilities	18,361	22,106
Shareholders’ equity	3,884,905	2,678,318
Total liabilities and shareholders’ equity	$ 4,403,021	$ 3,131,038

Allowance for Credit Losses - Schedule of Changes in the Allowance for Credit Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 201,756	$ 198,578
Charge-offs	(28,759)	(13,809)
Recoveries	3,382	5,739
Net charge-offs	(25,377)	(8,070)
Provision for (reversal of) credit losses on loans	92,573	11,248	$ 18,793
Ending balance	293,955	201,756	198,578
Nonaccruing loans with no allowance for credit losses	50,832	22,039
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	41,864	46,418
Charge-offs	(19,527)	(5,105)
Recoveries	2,047	1,745
Net charge-offs	(17,480)	(3,360)
Provision for (reversal of) credit losses on loans	24,450	(1,194)
Ending balance	57,831	41,864	46,418
Nonaccruing loans with no allowance for credit losses	22,985	735
Construction and land development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	19,200	23,328
Charge-offs	(374)	(152)
Recoveries	10	0
Net charge-offs	(364)	(152)
Provision for (reversal of) credit losses on loans	10,338	(3,976)
Ending balance	31,359	19,200	23,328
Nonaccruing loans with no allowance for credit losses	6,718	3,257
Real Estate - 1-4 Family Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	45,498	45,046
Charge-offs	(1,457)	(966)
Recoveries	221	165
Net charge-offs	(1,236)	(801)
Provision for (reversal of) credit losses on loans	16,279	1,253
Ending balance	61,249	45,498	45,046
Nonaccruing loans with no allowance for credit losses	2,386	6,298
Commercial real estate - owner occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	16,993	15,192
Charge-offs	(5,717)	(37)
Recoveries	448	112
Net charge-offs	(5,269)	75
Provision for (reversal of) credit losses on loans	22,947	1,726
Ending balance	38,961	16,993	15,192
Nonaccruing loans with no allowance for credit losses	8,097	3,194
Commercial real estate - non-owner occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	71,664	59,474
Charge-offs	(160)	(5,693)
Recoveries	204	2,166
Net charge-offs	44	(3,527)
Provision for (reversal of) credit losses on loans	19,074	15,717
Ending balance	99,605	71,664	59,474
Nonaccruing loans with no allowance for credit losses	10,646	8,555
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	6,537	9,120
Charge-offs	(1,524)	(1,856)
Recoveries	452	1,551
Net charge-offs	(1,072)	(305)
Provision for (reversal of) credit losses on loans	(515)	(2,278)
Ending balance	4,950	6,537	9,120
Nonaccruing loans with no allowance for credit losses	0	0
Impact of PCD loans acquired during the period
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	25,003	0
Ending balance		25,003	0
Impact of PCD loans acquired during the period \| Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	8,997	0
Ending balance		8,997	0
Impact of PCD loans acquired during the period \| Construction and land development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	2,185	0
Ending balance		2,185	0
Impact of PCD loans acquired during the period \| Real Estate - 1-4 Family Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	708	0
Ending balance		708	0
Impact of PCD loans acquired during the period \| Commercial real estate - owner occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,290	0
Ending balance		4,290	0
Impact of PCD loans acquired during the period \| Commercial real estate - non-owner occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	8,823	0
Ending balance		8,823	0
Impact of PCD loans acquired during the period \| Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 0	0
Ending balance		$ 0	$ 0

Other Real Estate Owned - Schedule of Changes in Company’s OREO (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Total OREO
Beginning balance	$ 8,673	$ 9,622
Acquired OREO	11,032
Transfers of loans	12,341	2,612
Impairments	(665)	(438)
Dispositions	(16,190)	(3,123)
Ending balance	$ 15,191	$ 8,673

Net Income Per Common Share - Schedule of Potentially Dilutive Shares (Details) - shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Share-Based Payment Arrangement, Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Number of shares (in shares)	1,000	0	6,600

Leases

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

Leases

(In Thousands)

The Company enters into leases in both lessor and lessee capacities.

Lessor Arrangements

The Company finances various types of equipment arrangements for customers through operating, direct financing and sales-type leases. As of December 31, 2025 and 2024, the net investment in these leases was $29,531 and $30,846, comprised of $25,124 and $26,655 in lease receivables, $8,035 and $7,961 in residual balances and $3,628 and $3,770 in deferred income, respectively. In order to mitigate potential exposure to residual asset risk, the Company utilizes first amendment or terminal rental adjustment clause leases.

For the years ended December 31, 2025 and 2024, the Company generated $960 and $1,080 in income from these leases, respectively, which is included in interest income on loans on the Consolidated Statements of Income.

The maturities of the lessor arrangements outstanding at December 31, 2025 is presented in the table below.


2026	$	409
2027	123
2028	380
2029	6,983
2030	2,640
Thereafter	18,996
Total lease receivables	$	29,531

Lessee Arrangements

As of December 31, 2025 and 2024, right-of-use assets totaled $55,920 and $46,811 and lease liabilities totaled $57,227 and $49,385, respectively. These amounts are included in “Premises and equipment, net” and “Other liabilities” on the Consolidated Balance Sheets. The table below provides the components of lease cost and supplemental information for the periods presented.


	Year ended December 31,
	2025			2024
Operating lease cost (cost resulting from lease payments)	$	8,003		$	6,705
Short-term lease cost	102			51
Variable lease cost (cost excluded from lease payments)	919			960
Sublease income	(1,652)			(639)
Net lease cost	$	7,372		$	7,077
Operating lease - operating cash flows (fixed payments)	7,643			6,714
Operating lease - operating cash flows (liability reduction)	5,587			4,943
Weighted average lease term - operating leases (in years) (at period end)	16.31			18.11
Weighted average discount rate - operating leases (at period end)	3.86		%	3.55		%

Right-of-use assets obtained in exchange for new lease liabilities - operating leases	$	18,925		$	4,630

The maturities of the lessee arrangements outstanding at December 31, 2025 are presented in the table below.


2026	$	6,939
2027	6,531
2028	6,296
2029	6,117
2030	5,844
Thereafter	45,424
Total undiscounted cash flows	77,151
Discount on cash flows	(19,924)
Total operating lease liabilities	$	57,227

Rental expense was $7,545, $6,136, and $6,859 for 2025, 2024, and 2023, respectively.

For more information on lease accounting, see Note 1, “Significant Accounting Policies” and on lease financing receivables, see Note 4, “Loans.”

Leases

(In Thousands)

The Company enters into leases in both lessor and lessee capacities.

Lessor Arrangements

The maturities of the lessor arrangements outstanding at December 31, 2025 is presented in the table below.


2026	$	409
2027	123
2028	380
2029	6,983
2030	2,640
Thereafter	18,996
Total lease receivables	$	29,531

Lessee Arrangements


	Year ended December 31,
	2025			2024
Operating lease cost (cost resulting from lease payments)	$	8,003		$	6,705
Short-term lease cost	102			51
Variable lease cost (cost excluded from lease payments)	919			960
Sublease income	(1,652)			(639)
Net lease cost	$	7,372		$	7,077
Operating lease - operating cash flows (fixed payments)	7,643			6,714
Operating lease - operating cash flows (liability reduction)	5,587			4,943
Weighted average lease term - operating leases (in years) (at period end)	16.31			18.11
Weighted average discount rate - operating leases (at period end)	3.86		%	3.55		%

Right-of-use assets obtained in exchange for new lease liabilities - operating leases	$	18,925		$	4,630

The maturities of the lessee arrangements outstanding at December 31, 2025 are presented in the table below.


2026	$	6,939
2027	6,531
2028	6,296
2029	6,117
2030	5,844
Thereafter	45,424
Total undiscounted cash flows	77,151
Discount on cash flows	(19,924)
Total operating lease liabilities	$	57,227

Rental expense was $7,545, $6,136, and $6,859 for 2025, 2024, and 2023, respectively.

For more information on lease accounting, see Note 1, “Significant Accounting Policies” and on lease financing receivables, see Note 4, “Loans.”

Loans - Schedule of Loans and Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 19,047,039	$ 12,885,020
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	2,818,326	1,976,286
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,905,636	1,321,809
Construction and land development \| Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	382,773	256,661
Construction and land development \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,522,863	1,065,148
Real Estate - 1-4 Family Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	4,635,033	3,375,294
Real Estate - 1-4 Family Mortgage \| First lien
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	3,844,097	2,805,693
Real Estate - 1-4 Family Mortgage \| Junior lien
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	52,943	25,441
Real Estate - 1-4 Family Mortgage \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	737,993	544,160
Commercial Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	6,245,480	4,226,938
Commercial Residential Mortgage \| Commercial real estate - owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	3,334,664	1,894,679
Commercial Residential Mortgage \| Multi family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,392,779	985,037
Commercial Residential Mortgage \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	4,852,701	3,241,901
Consumer \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 107,900	$ 90,014

Renasant Corporation (Parent Company Only) Condensed Financial Information (Tables)

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

Schedule of Balance Sheets

Balance Sheets


	December 31,
	2025		2024
Assets
Cash and cash equivalents	$	303,387	$	405,782


Investment in subsidiaries	4,050,288		2,694,503
Accrued interest receivable on bank balances	2		27

Other assets	49,344		30,726
Total assets	$	4,403,021	$	3,131,038
Liabilities and shareholders’ equity
Junior subordinated debentures	$	140,632	$	113,916
Subordinated notes	359,123		316,698


Other liabilities	18,361		22,106
Shareholders’ equity	3,884,905		2,678,318
Total liabilities and shareholders’ equity	$	4,403,021	$	3,131,038

Schedule of Statements of Income

Statements of Income


	Year Ended December 31,
	2025		2024		2023
Income
Dividends from subsidiaries	$	101,764	$	75,907	$	72,042
Interest income from subsidiaries	14		39		28
Other dividends	278		270		260
Other income	236		354		919
Total income	102,292		76,570		73,249
Expenses	34,729		30,768		30,544
Income before income tax benefit and equity in undistributed net income of bank subsidiary	67,563		45,802		42,705
Income tax benefit	(8,701)		(7,842)		(7,577)
Equity in undistributed net income of subsidiaries	105,008		141,813		94,396
Net income	$	181,272	$	195,457	$	144,678

Schedule of Statements of Cash Flows

Statements of Cash Flows


	Year Ended December 31,
	2025		2024		2023
Operating activities
Net income	$	181,272	$	195,457	$	144,678
Adjustments to reconcile net income to net cash provided by operating activities:

Equity in undistributed net income of subsidiaries	(105,008)		(141,813)		(94,396)
Amortization/depreciation	1,693		1,425		1,770
(Decrease) increase in other assets	(17,786)		6,540		(8,824)
(Decrease) increase in other liabilities	(46,511)		11,303		8,921
Net cash provided by operating activities	13,660		72,912		52,149
Investing activities



Net cash paid in acquisition	(24,115)		—		—

Net cash provided by investing activities	(24,115)		—		—
Financing activities
Cash paid for dividends	(78,604)		(53,727)		(50,279)


Repurchase of shares in connection with stock repurchase program	(13,336)		—		—



Proceeds from equity offering	—		217,000		—

Net cash (used in) provided by financing activities	(91,940)		163,273		(50,279)
(Decrease) increase in cash and cash equivalents	(102,395)		236,185		1,870
Cash and cash equivalents at beginning of year	405,782		169,597		167,727
Cash and cash equivalents at end of year	$	303,387	$	405,782	$	169,597

Employee Benefit and Deferred Compensation Plans - Schedule of Plan Activity (Details) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Change in benefit obligation
Benefit obligation at beginning of year	$ 18,685,000
Benefit obligation at end of year	18,590,000	$ 18,685,000
Pension Benefits Renasant
Change in benefit obligation
Benefit obligation at beginning of year	18,685,000	20,195,000
Service cost	0	0	$ 0
Interest cost	948,000	908,000	995,000
Plan participants’ contributions	0	0
Actuarial loss (gain)	701,000	(620,000)
Benefits paid	(1,744,000)	(1,798,000)
Benefit obligation at end of year	18,590,000	18,685,000	20,195,000
Change in fair value of plan assets
Fair value of plan assets at beginning of year	19,148,000	20,119,000
Actual return on plan assets	2,189,000	827,000
Contribution by employer	0	0
Benefits paid	(1,744,000)	(1,798,000)
Fair value of plan assets at end of year	19,593,000	19,148,000	20,119,000
Funded status at end of year	$ 1,003,000	$ 463,000
Weighted-average assumptions as of December 31
Discount rate used to determine the benefit obligation	4.99%	5.37%
Other Benefits
Change in benefit obligation
Benefit obligation at beginning of year	$ 448,000	$ 512,000
Service cost	0	0	1,000
Interest cost	20,000	21,000	22,000
Plan participants’ contributions	17,000	21,000
Actuarial loss (gain)	(190,000)	(89,000)
Benefits paid	(16,000)	(17,000)
Benefit obligation at end of year	279,000	448,000	$ 512,000
Change in fair value of plan assets
Contribution by employer	0
Funded status at end of year	$ (279,000)	$ (448,000)
Weighted-average assumptions as of December 31
Discount rate used to determine the benefit obligation	4.26%	4.99%

Securities - Schedule of Gross Realized Gains and Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Gross gains on sales of securities available for sale	$ 0	$ 0	$ 126
Gross losses on sales of securities available for sale	0	0	(22,564)
Losses on sales of securities available for sale, net	$ 0	$ 0	(22,438)
Gross gains on impairment of available-for-sale securities sold in January 2024, Recognized in 2023			5
Gross losses on impairment of available-for-sale securities sold in January 2024, recognized in 2023			$ 19,357

Employee Benefit and Deferred Compensation Plans - Schedule of Categorization of Plan Assets (Details) - Pension Benefits Renasant - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	$ 19,593	$ 19,148	$ 20,119
Cash and cash equivalents
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	406	281
Investments in collective trusts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	16,656	16,590
U.S. government securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	50	156
Corporate stocks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	2,481	2,121
Quoted Prices In Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	2,887	2,402
Quoted Prices In Active Markets for Identical Assets (Level 1) \| Cash and cash equivalents
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	406	281
Quoted Prices In Active Markets for Identical Assets (Level 1) \| Investments in collective trusts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Quoted Prices In Active Markets for Identical Assets (Level 1) \| U.S. government securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Quoted Prices In Active Markets for Identical Assets (Level 1) \| Corporate stocks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	2,481	2,121
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	50	156
Significant Other Observable Inputs (Level 2) \| Cash and cash equivalents
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Significant Other Observable Inputs (Level 2) \| Investments in collective trusts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Significant Other Observable Inputs (Level 2) \| U.S. government securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	50	156
Significant Other Observable Inputs (Level 2) \| Corporate stocks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Significant Unobservable Inputs (Level 3) \| Cash and cash equivalents
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Significant Unobservable Inputs (Level 3) \| Investments in collective trusts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Significant Unobservable Inputs (Level 3) \| U.S. government securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Significant Unobservable Inputs (Level 3) \| Corporate stocks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Measured at net asset value per share (“NAV”)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	16,656	16,590
Measured at net asset value per share (“NAV”) \| Cash and cash equivalents
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Measured at net asset value per share (“NAV”) \| Investments in collective trusts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	16,656	16,590
Measured at net asset value per share (“NAV”) \| U.S. government securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	0	0
Measured at net asset value per share (“NAV”) \| Corporate stocks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	$ 0	$ 0

Other Real Estate Owned - Schedule of Components of OREO in the Consolidated Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Real Estate [Abstract]
Repairs and maintenance	$ 635	$ 372	$ 103
Property taxes and insurance	433	280	427
Impairments	665	438	18
Net gains on OREO sales	(74)	(227)	(275)
Rental income	(8)	(5)	(6)
Total	$ 1,651	$ 858	$ 267

Income Taxes Schedule of Income Tax Reconciliation - Prior Years (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Tax Expense (Benefit), Effective Income Tax Rate Reconciliation, Amount [Abstract]
US federal statutory income tax rate	$ 47,614	$ 51,443	$ 37,209
Tax-exempt interest income		(1,750)	(1,505)
BOLI income		(1,178)	(2,197)
Investment tax credits		(3,950)	(1,901)
Amortization of investment in low-income housing tax credits		2,851	1,741
State and local income taxes, net of federal income tax effects	236	(262)	(1,929)
Nondeductible transaction costs		1,060	0
Other adjustments	817	1,294	1,091
Total income tax expense	$ 45,460	$ 49,508	$ 32,509

Short-Term Borrowings - Schedule of Average Balances and Cost of Funds (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Average Balances	$ 423,003	$ 119,264	$ 461,692
Cost of Funds	3.46%	1.32%	4.05%
Federal Home Loan Bank short-term advances
Short-term Debt [Line Items]
Average Balances	$ 415,860	$ 110,601	$ 453,630
Cost of Funds	3.51%	1.34%	4.11%
Federal funds purchased
Short-term Debt [Line Items]
Average Balances	$ 5	$ 5	$ 25
Cost of Funds	4.63%	2.05%	6.34%
Securities sold under agreements to repurchase
Short-term Debt [Line Items]
Average Balances	$ 7,138	$ 8,658	$ 8,037
Cost of Funds	1.00%	0.96%	0.98%

Fair Value Measurements - Schedule of Differences Between Fair Value and Principal Value (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Aggregate Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Mortgage loans held for sale measured at fair value	$ 265,959	$ 246,171
Aggregate Unpaid Principal Balance
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Mortgage loans held for sale measured at fair value	260,841	244,218
Difference
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Mortgage loans held for sale measured at fair value	$ 5,118	$ 1,953

Short-Term Borrowings - Schedule of Short-Term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Short-term Debt [Line Items]
Total short-term borrowings	$ 555,774	$ 108,018
Securities sold under agreements to repurchase
Short-term Debt [Line Items]
Total short-term borrowings	5,774	8,018
Federal Home Loan Bank short-term advances
Short-term Debt [Line Items]
Total short-term borrowings	$ 550,000	$ 100,000

Segment Reporting (Details) $ in Thousands	12 Months Ended
Segment Reporting (Details) $ in Thousands	Dec. 31, 2025 USD ($) segment	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting [Abstract]
Number of reportable segments \| segment	2
Segment Reporting Information [Line Items]
Interest income	$ 1,262,259	$ 887,777	$ 797,319
Total interest expense	458,290	375,581	277,992
Net interest income	803,969	512,196	519,327
Provision for credit losses on loans	107,457	9,273	15,593
Noninterest income	181,880	203,660	113,075
Salaries and employee benefits	368,563	283,768	281,768
Net occupancy and equipment	63,651	45,960	46,471
Other segment expenses	219,446	131,890	111,383
Income before income taxes	226,732	244,965	177,187
Income taxes	45,460	49,508	32,509
Net income (loss)	181,272	195,457	144,678
Total assets	26,751,426	18,034,868	17,360,535
Goodwill	1,405,840	988,898	991,665
Community Banks
Segment Reporting Information [Line Items]
Goodwill	1,405,840	988,898	988,898
Insurance
Segment Reporting Information [Line Items]
Goodwill	0	0	2,767
Operating Segments
Segment Reporting Information [Line Items]
Interest income	1,262,169	887,672	797,221
Total interest expense	427,215	348,199	251,026
Net interest income	834,954	539,473	546,195
Provision for credit losses on loans	107,457	9,273	15,593
Noninterest income	183,822	205,223	114,019
Salaries and employee benefits	368,563	283,768	281,768
Net occupancy and equipment	63,551	45,960	46,471
Other segment expenses	218,129	130,624	109,858
Income before income taxes	261,076	275,071	206,524
Income taxes	54,196	57,350	40,086
Net income (loss)	206,880	217,721	166,438
Total assets	26,747,637	18,036,850	17,360,699
Goodwill	1,405,840	988,898	991,665
Operating Segments \| Community Banks
Segment Reporting Information [Line Items]
Interest income	1,262,107	886,666	795,500
Total interest expense	427,215	348,199	251,026
Net interest income	834,892	538,467	544,474
Provision for credit losses on loans	107,457	9,273	15,593
Noninterest income	148,434	172,877	76,130
Salaries and employee benefits	351,922	266,639	262,325
Net occupancy and equipment	62,641	44,989	45,303
Other segment expenses	210,967	125,678	102,221
Income before income taxes	250,339	264,765	195,162
Income taxes	53,578	56,369	38,597
Net income (loss)	196,761	208,396	156,565
Total assets	26,739,293	18,033,458	17,313,704
Goodwill	1,405,840	988,898	988,898
Operating Segments \| Insurance
Segment Reporting Information [Line Items]
Interest income	0	942	1,653
Total interest expense	0	0	0
Net interest income	0	942	1,653
Provision for credit losses on loans	0	0	0
Noninterest income	0	6,473	12,578
Salaries and employee benefits	0	3,645	7,038
Net occupancy and equipment	0	163	438
Other segment expenses	0	584	1,176
Income before income taxes	0	3,023	5,579
Income taxes	0	785	1,452
Net income (loss)	0	2,238	4,127
Total assets	0	0	40,405
Goodwill	0	0	2,767
Operating Segments \| Wealth Management
Segment Reporting Information [Line Items]
Interest income	62	64	68
Total interest expense	0	0	0
Net interest income	62	64	68
Provision for credit losses on loans	0	0	0
Noninterest income	35,388	25,873	25,311
Salaries and employee benefits	16,641	13,484	12,405
Net occupancy and equipment	910	808	730
Other segment expenses	7,162	4,362	6,461
Income before income taxes	10,737	7,283	5,783
Income taxes	618	196	37
Net income (loss)	10,119	7,087	5,746
Total assets	8,344	3,392	6,590
Goodwill	0	0	0
Other
Segment Reporting Information [Line Items]
Interest income	90	105	98
Total interest expense	31,075	27,382	26,966
Net interest income	(30,985)	(27,277)	(26,868)
Provision for credit losses on loans	0	0	0
Noninterest income	(1,942)	(1,563)	(944)
Salaries and employee benefits	0	0	0
Net occupancy and equipment	100	0	0
Other segment expenses	1,317	1,266	1,525
Income before income taxes	(34,344)	(30,106)	(29,337)
Income taxes	(8,736)	(7,842)	(7,577)
Net income (loss)	(25,608)	(22,264)	(21,760)
Total assets	3,789	(1,982)	(164)
Goodwill	$ 0	$ 0	$ 0

Renasant Corporation (Parent Company Only) Condensed Financial Information - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating activities
Net income	$ 181,272	$ 195,457	$ 144,678
Adjustments to reconcile net income to net cash provided by operating activities:
(Decrease) increase in other assets	(27,061)	(9,784)	(51,077)
(Decrease) increase in other liabilities	(824)	(7,854)	23,998
Net cash provided by operating activities	271,471	106,415	148,553
Investing activities
Net cash paid in acquisition	261,483	0	0
Net cash used in investing activities	(734,025)	(275,030)	(55,399)
Financing activities
Cash paid for dividends	(78,604)	(53,727)	(50,279)
Repurchase of shares in connection with stock repurchase program	(13,336)	0	0
Proceeds from equity offering	0	217,000	0
Net cash provided by financing activities	441,240	459,296	132,205
Net (decrease) increase in cash and cash equivalents	(21,314)	290,681	225,359
Cash and cash equivalents at beginning of year	1,092,032	801,351	575,992
Cash and cash equivalents at end of year	1,070,718	1,092,032	801,351
Renasant Corporation
Operating activities
Net income	181,272	195,457	144,678
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	(105,008)	(141,813)	(94,396)
Amortization/depreciation	1,693	1,425	1,770
(Decrease) increase in other assets	(17,786)	6,540	(8,824)
(Decrease) increase in other liabilities	(46,511)	11,303	8,921
Net cash provided by operating activities	13,660	72,912	52,149
Investing activities
Net cash paid in acquisition	(24,115)	0	0
Net cash used in investing activities	(24,115)	0	0
Financing activities
Cash paid for dividends	(78,604)	(53,727)	(50,279)
Repurchase of shares in connection with stock repurchase program	(13,336)	0	0
Proceeds from equity offering	0	217,000	0
Net cash provided by financing activities	(91,940)	163,273	(50,279)
Net (decrease) increase in cash and cash equivalents	(102,395)	236,185	1,870
Cash and cash equivalents at beginning of year	405,782	169,597	167,727
Cash and cash equivalents at end of year	$ 303,387	$ 405,782	$ 169,597

Employee Benefit and Deferred Compensation Plans - Schedule of Components of Net Periodic Benefit Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Pension Benefits Renasant
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	$ 0	$ 0	$ 0
Interest cost	948	908	995
Expected return on plan assets	(1,068)	(993)	(1,236)
Recognized actuarial loss (gain)	485	517	523
Net periodic benefit cost	365	432	282
Net actuarial gain arising during the period	(419)	(455)	(60)
Amortization of net actuarial (loss) gain recognized in net periodic pension cost	(485)	(516)	(523)
Total recognized in other comprehensive income	(904)	(971)	(583)
Total recognized in net periodic benefit cost and other comprehensive income	$ (539)	$ (539)	$ (301)
Discount rate used to determine net periodic pension cost	5.37%	4.74%	4.94%
Expected return on plan assets	5.90%	5.20%	6.25%
Other Benefits
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	$ 0	$ 0	$ 1
Interest cost	20	21	22
Expected return on plan assets	0	0	0
Recognized actuarial loss (gain)	(88)	(93)	(61)
Net periodic benefit cost	(68)	(72)	(38)
Net actuarial gain arising during the period	(190)	(89)	(20)
Amortization of net actuarial (loss) gain recognized in net periodic pension cost	88	94	61
Total recognized in other comprehensive income	(102)	5	41
Total recognized in net periodic benefit cost and other comprehensive income	$ (170)	$ (67)	$ 3
Discount rate used to determine net periodic pension cost	4.99%	4.53%	4.74%

Long-Term Debt

12 Months Ended

Dec. 31, 2025