FDIC Cert #12437 · Tupelo, Mississippi · Est. 1904

Renasant Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$26.7B
Total assets
B
Health grade · Good
0.89%
Return on assets
12.0%
Tier 1 capital

Data updated July 2026

The verdict

Renasant Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 12.00% Tier 1, 0.89% ROA, 61% efficiency ratio.

#82
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
12.00%
Tier 1 ratio - above the 10% well-capitalized line
35th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 12437 · MS B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2948/4307
  • PHOTO-FINISH Carrollton Bank · IL
  • TIER1-WELL 12.0% Tier 1
  • TEXAS-CLEAN 4.1% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Carrollton Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Renasant Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Carrollton Bank · IL · near70/100Citizens Community B… · MO ·…70/100Ford County State Bank · KS …70/100Premier Bank Nationa… · NE ·…70/100Renasant Bank · MS · this ba…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Renasant Bank · July 2026

What Renasant Bank's Call Report plate shows

Renasant Bank (FDIC Cert #12437) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,948 of 4,307. Tier 1 capital prints at 12.00%, clearing the 10% well-capitalized line. The Texas Ratio is 4.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $26.7B, 82nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Carrollton Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Renasant Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Renasant Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Renasant Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Renasant Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Renasant Bank's composite health score
Tier 1 Capital Ratio (12.00%) 28/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (4.05%) 20/20
Efficiency Ratio (61.24%) 8/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$26.7B

Total balance-sheet footings

Total Deposits

$21.8B

Customer-funded liabilities

Net Loans

$19.0B

Outstanding loan book

Net Income

$207M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.6% 12% 13.4%
Basel III capital ratios - Renasant Bank

Where Renasant Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Renasant Bank's score of 70/100 falls in the highlighted band.

Renasant Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Renasant Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Renasant Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Renasant Bank's $26.7B falls in the highlighted band.

Safety ratios for Renasant Bank

Tier 1 capital ratio
Well-capitalized 10%

12.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.00%
Texas Ratio
4.05%
Equity Capital
$4.0B

What these ratios mean →

Profitability metrics: Renasant Bank

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
5.94%
Efficiency Ratio
61.24%

What these mean →

Income & expense at Renasant Bank

$1.3B
Interest Income
$186M
Non-Interest Income
$652M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Renasant Bank reports a Texas Ratio of 4.05% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Renasant Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Renasant Bank by assets

Renasant Bank is closely matched in total assets by First Interstate Bank, FirstBank, Charles Schwab Premier Bank, SSB, Axos Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.36%, versus Renasant Bank's own 0.89%; the average efficiency ratio is 44.27%, versus 61.24% here; and average Tier 1 capital sits at 18.37%, versus 12.00% at Renasant Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $26.7B in assets, Renasant Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Renasant Bank nationally by total assets
  1. 1
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  2. 2
    FirstBank $26.5B

    Lakewood, CO · Grade A

  3. 3
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  6. 6
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Renasant Bank (this bank) MS $26.7B 0.89% 61.24% 12.00%
First Interstate Bank MT $26.6B 1.20% 56.03% 14.13%
FirstBank CO $26.5B 1.20% 50.25% 16.10%
Charles Schwab Premier Bank, SSB TX $27.0B 1.47% 15.30% 42.00%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($26.7B here), outside Mississippi so the neighborhood is not state containment.

First Interstate Bank $26.6B · MT FirstBank $26.5B · CO Charles Schwab Premier Bank, SSB $27.0B · TX Axos Bank $27.2B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Renasant Bank (FDIC Cert #12437) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Renasant Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%
The Citizens National Bank of MeridianMeridian $1.8B A 1.60%