BlastPoint's Banking Scorecard
Renasant Bank
Large
Specialty: Commercial
MS
FDIC cert 12437
Tupelo, MS
69
banks in Large tier nationally
2 in MS
View Large leaderboard (MS) →
Renasant Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 75% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.7B
+48.3% YoY
+0.1% QoQ
|
-$48.1B |
$74.9B
-4.4% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$19.0B
+47.1% YoY
+0.0% QoQ
|
-$27.4B |
$46.4B
-2.1% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$21.8B
+45.4% YoY
-0.1% QoQ
|
-$38.7B |
$60.5B
-4.5% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.89%
-28.0% YoY
+22.7% QoQ
|
-0.31% |
1.19%
+17.8% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
4.10%
+16.8% YoY
+0.5% QoQ
|
+0.64% |
3.46%
+13.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
61.24%
+0.2% YoY
-2.8% QoQ
|
+6.21% |
55.03%
-2.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.93%
+5.6% YoY
+2.6% QoQ
|
+0.05% |
0.88%
-0.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
87.35%
+1.2% YoY
+0.1% QoQ
|
+5.63% |
81.72%
+3.9% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.53%
-3.4% YoY
-4.6% QoQ
|
+4.56% |
19.97%
+0.5% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.71%
+5.7% YoY
+4.9% QoQ
|
+0.16% |
0.55%
+9.0% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.00%
-6.6% YoY
+1.7% QoQ
|
-1.33% |
13.33%
-0.7% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.69%
-38.3% YoY
+40.6% QoQ
|
-0.39% |
1.09%
+2.4% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#4 of 5 · Bottom 75% in Large
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.89%
(Tier: 1.19%, National: 1.12%)
5 of 5 Large banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.46%
60
60th pctile
Loan-to-Deposit Ratio
Current: 87.35% · Tier avg: 81.72%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 24.53% · Tier avg: 19.97%
49
49th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 1.09%
39
39th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.88%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.55%
22
22th pctile
Efficiency Ratio
Current: 61.24% · Tier avg: 55.03%
22
22th pctile
Tier 1 Capital Ratio
Current: 12.00% · Tier avg: 13.33%
14
14th pctile
Total Loans
Current: $19.0B · Tier avg: $46.4B
14
14th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.19%
6
6th pctile
Total Assets
Current: $26.7B · Tier avg: $74.9B
4
4th pctile
Total Deposits
Current: $21.8B · Tier avg: $60.5B
Top Weaknesses
4
4th pctile
Total Deposits
Current: $21.8B · Tier avg: $60.5B
6
6th pctile
Total Assets
Current: $26.7B · Tier avg: $74.9B
14
14th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.19%
14
14th pctile
Total Loans
Current: $19.0B · Tier avg: $46.4B
22
22th pctile
Tier 1 Capital Ratio
Current: 12.00% · Tier avg: 13.33%
22
22th pctile
Efficiency Ratio
Current: 61.24% · Tier avg: 55.03%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.55%
39
39th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.88%
49
49th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 1.09%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 24.53% · Tier avg: 19.97%
60
60th pctile
Loan-to-Deposit Ratio
Current: 87.35% · Tier avg: 81.72%
81
81th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.46%