RENASANT CORP

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This Annual Report on Form 10-K may contain or incorporate by reference statements regarding Renasant Corporation (referred to herein as the “Company”, “we”, “our”, or “us”) that constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words “believes,” “expects,” “projects,” “anticipates,” “intends,” “estimates,” “plans,” “potential,” “focus,” “possible,” “may increase,” “may fluctuate,” “will likely result,” and similar expressions, or future or conditional verbs such as “will,” “should,” “would” and “could,” are generally forward-looking in nature and not historical facts. Forward-looking statements include information about the Company’s future financial performance, business strategy, projected plans and objectives and are based on the current beliefs and expectations of management. The Company’s management believes these forward-looking statements are reasonable, but they are all inherently subject to significant business, economic and competitive risks and uncertainties, many of which are beyond the Company’s control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Actual results may differ from those indicated or implied in the forward-looking statements, and such differences may be material.

Important factors currently known to management that could cause our actual results to differ materially from those in forward-looking statements include the following:

•the Company’s ability to efficiently integrate acquisitions into its operations, retain the customers of these businesses, grow the acquired operations and realize the cost savings expected from an acquisition to the extent and in the timeframe anticipated by management;

•the effect of economic conditions and interest rates on a national, regional or international basis;

•timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings;

•competitive pressures in the consumer finance, commercial finance, insurance, financial services, asset management, retail banking, factoring, mortgage lending and auto lending industries;

•the financial resources of, and products available from, competitors;

•changes in laws and regulations as well as changes in accounting standards;

•changes in policy by regulatory agencies;

•changes in the securities and foreign exchange markets;

•the Company’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth;

•changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of our investment securities portfolio;

•an insufficient allowance for credit losses as a result of inaccurate assumptions;

•changes in the sources and costs of the capital we used to make loans and otherwise fund our operations due to deposit outflows, changes in the mix of deposits and the cost and availability of borrowings;

•general economic, market or business conditions, including the impact of inflation;

•changes in demand for loan products and financial services;

•concentrations of deposit or credit exposure;

•changes or the lack of changes in interest rates, yield curves and interest rate spread relationships;

•increased cybersecurity risk, including potential network breaches, business disruptions or financial losses;

•civil unrest, natural disasters, epidemics and other catastrophic events in the Company’s geographic area;

•the impact, extent and timing of technological changes; and

•other circumstances, many of which are beyond management’s control.

The Company believes that the assumptions underlying its forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described elsewhere in this report and in the Company’s other filings with the Securities and Exchange Commission (the “SEC”) from time to time, including its Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC’s website at www.sec.gov.

The Company undertakes no obligation, and specifically disclaims any obligation, to update or revise forward-looking statements, whether as a result of new information or to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time, except as required by federal securities laws.

The information set forth in this Annual Report on Form 10-K is as of February 16, 2024 unless otherwise indicated herein.