HIGHBuilt-inLoan_portfolio
84.64%
real estate collateral
“10-K Item 1A: 'approximately 84.64% of our loan portfolio had real estate as a primary or secondary component of the collateral securing the loan'”
RNST · Concentration risk · 10-K extracted
Renasant (RNST) concentration risks
Updated
The most significant concentration Renasant discloses is real estate collateral at 84.64%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Renasant’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
75.1%
C&I, construction and commercial real estate loans
“10-K Item 1A: 'approximately 75.10% of our loan portfolio consisted of C&I, construction and commercial real estate loans'”
MEDIUMBuilt-inLoan_portfolio
32.79%
commercial real estate non-owner occupied loans
“10-K Item 1: 'Our commercial real estate - non-owner occupied loans represented approximately 32.79% of our total loans at December 31, 2025'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The bank's loan portfolio carries a concentrated exposure to real estate collateral and commercial lending categories, and the three disclosures paint a coherent picture of a community bank with a deliberate focus on property-secured credit. Approximately 84.64% of the loan portfolio had real estate as a primary or secondary component of the collateral securing the loan — a high-share, structural exposure that reflects the institution's geographic footprint and the nature of the markets it serves rather than reliance on any single borrower. Within that broader collateral tilt, approximately 75.10% of the loan portfolio consisted of C&I, construction, and commercial real estate loans — again high-share and structural, reflecting the bank's emphasis on business and commercial property lending as opposed to consumer credit. The character of this exposure is structural because it flows from the bank's business model and the regional economy it serves, not from concentration in a handful of accounts. The most specific sub-category disclosed is commercial real estate non-owner occupied loans, which represented approximately 32.79% of total loans at year-end — a medium-share slice within the larger commercial real estate book. Regulators and investors scrutinize this category given its sensitivity to occupancy rates and cap-rate movements. Taken together, the portfolio is heavily weighted toward real estate-secured commercial credit, and performance is primarily a function of property values and business conditions in the company's footprint states rather than any single customer or industry dependency.
For the engine’s reasoning on RNST’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| RNST● | Renasant Corporation | 2 | 1 | 0 | 3 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.