Renasant is a Southeast regional bank headquartered in Mississippi that operates through Renasant Bank, delivering commercial and retail banking services across roughly 277 offices in Mississippi, Tennessee, Alabama, Georgia, and other Southeastern states. Lending is the core business, with loans and related income accounting for roughly 80% of gross revenues. The loan portfolio spans commercial real estate (both owner-occupied and non-owner-occupied), residential real estate, C&I, and construction lending. Renasant makes money the traditional way — earning more on loans and investments than it pays on deposits, with net interest margin as the dominant revenue driver. Renasant operates a community banking model, empowering local market presidents to run semi-autonomous franchises while centralizing back-office functions. Beyond core banking, Renasant originates residential mortgages for sale in the secondary market, runs specialty lending lines including ABL, factoring through Republic Business Credit, equipment finance, SBA, and healthcare lending, and operates a small wealth management segment offering trust and investment services. Renasant's most significant recent action was its April 2025 acquisition of The First Bancshares, which roughly doubled Renasant's size and was the largest deal in the company's history. The rationale was to achieve scale to drive profitability improvement, and management characterizes integration as largely complete. Organic growth focuses on hiring commercial lenders, expanding specialty lending into new markets, and growing treasury management and fee income across the combined footprint.