# Renasant Q3 2026 Earnings Results

> Renasant reports 12% EPS growth with strategic merger and deposit expansion.
- Title: Renasant Q3 2026 Earnings Results · The Motley Fool | Shortify
- Summary: Renasant reports 12% EPS growth with strategic merger and deposit expansion. Renasant's Q3 2026 earnings show 12% EPS increase and a $140 million merger with…
- Keywords: renasant, q3 2026, earnings call, commercial holding company, merger, deposit growth, loan production, net interest margin, finance, money, 2026, Earnings
- Source: The Motley Fool — https://fool.com/earnings/call-transcripts/2026/10/28/renasant-rnst-q3-2026-earnings-call-transcript
- Author: Motley Fool Transcribing
- Published: 2026-10-28T16:44:26+00:00
- Read time: 1 min
- Topics: renasant, q3 2026, earnings call, commercial holding company, merger, deposit growth, loan production, net interest margin, finance, money
## Q3 2026 Results
Adjusted diluted EPS rose 12% to $0.86 versus 2025 Q3.
## Net Income Growth
Net income increased to $78.9 million from $59.8 million in 2025 Q3.
## Loan Production
Total loans grew 11.5% annualized to $19.75 billion.
## Deposit Growth
Core deposits grew 8% annualized with $300 million in new customer growth.
## Mortgage Banking
Mortgage banking income declined $1.9 million due to rising interest rates.
## Merger Details
Merger with Commercial Holding Company valued at $140 million.
## Merger Impact
Expected to be 4% accretive to EPS and 70 basis points accretive to ROTCE.
## Stock Repurchases
Repurchased $42.6 million of shares at $41.05 average price.
## New Repurchase Program
New $175 million stock repurchase authorization approved.
## Net Interest Margin
Adjusted net interest margin at 3.58% down 3 basis points from previous quarter.
## Credit Quality
Criticized loans decreased to 2.50% of total loans from 2.66% in 2025 Q2.
## Provision for Credit Losses
Provision for credit losses of $13.3 million on funded and unfunded loans.
## New Loan Yields
New loan yields at 6.35% in September 2026.
## Cost of Deposits
Cost of deposits increased 1 basis point to 1.97%.
## Efficiency Ratio
Efficiency ratio improved to 57.70% from 67.05% in 2025 Q3.
## What's Next
Merger expected to close in Q1 2027 with 4% EPS accretion.
## Key takeaway

Renasant's Q3 2026 earnings show 12% EPS increase and a $140 million merger with Commercial Holding Company.