8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

July 31, 2018

Date of report (Date of earliest event reported)

RENASANT CORPORATION

(Exact name of registrant as specified in its charter)

Mississippi	001-13253	64-0676974
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

209 Troy Street, Tupelo, Mississippi 38804-4827

(Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (662) 680-1001

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[ ]	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ]	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ]	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01.Regulation FD Disclosure.

Representatives of Renasant Corporation (“Renasant”) will be making presentations to investors during various conferences in the third quarter of 2018. A copy of the presentation materials is furnished as Exhibit 99.1 to this Form 8-K and is incorporated herein solely for purposes of this Item 7.01.

In accordance with General Instruction B.2 of Form 8-K, the information in this Item 7.01, including Exhibit 99.1, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and shall not be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such filing.

“Safe Harbor” Statement Under the Private Securities Litigation Reform Act of 1995

This communication contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Congress passed the Private Securities Litigation Reform Act of 1995 in an effort to encourage companies to provide information about their anticipated future financial performance. This act provides a safe harbor for such disclosure, which protects a company from unwarranted litigation if actual results are different from management expectations. Such forward-looking statements usually include words such as “expects,” “projects,” “proposes,” “anticipates,” “believes,” “intends,” “estimates,” “strategy,” “plan,” “potential,” “possible,” “approximately,” “should” and variations of such words and other similar expressions. The forward-looking statements in this communication reflect Renasant’s current assumptions and estimates of, among other things, future economic circumstances, industry conditions, business strategy and decisions, company performance and financial results. Renasant believes its assumptions and estimates are reasonable, but they are all inherently subject to significant business, economic and competitive risks and uncertainties, many beyond Renasant’s control, that could cause the company’s actual results and experience to differ from the anticipated results and expectations indicated or implied in such forward-looking statements. Such differences may be material. Investors are cautioned that any such forward-looking statements are not guarantees of future performance and, accordingly, they should not place undue reliance on these forward-looking statements, which speak only as of the date they are made.

Important factors currently known to Renasant’s management that could cause actual results to differ materially from those in forward-looking statements include the following risks: (1) Renasant’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; (2) the effect of economic conditions and interest rates on a national, regional or international basis; (3) the timing and success of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (4) competitive pressures in the consumer finance, commercial finance, insurance, financial services, asset management, retail banking, mortgage lending and auto lending industries; (5) the financial resources of, and products available to, competitors; (6) changes in laws and regulations as well as changes in accounting standards; (7) changes in policy by regulatory agencies; (8) changes in the securities and foreign exchange markets; (9) Renasant’s potential growth, including its entrance or expansion into new markets, and the need for sufficient capital to support that growth; (10) changes in the quality or composition of Renasant’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers; (11) an insufficient allowance for loan losses as a result of inaccurate assumptions; (12) general economic, market or business conditions, including the impact of inflation; (13) changes in demand for loan products and financial services; (14) concentration of credit exposure; (15) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; (16) increased cybersecurity risk, including potential network breaches, business disruptions or financial losses; (17) natural disasters and other catastrophic events in the companies’ geographic area; (18) the impact, extent and timing of technological changes; and (19) other circumstances, many of which are beyond management’s control.

Renasant expressly disclaims any obligation to update or revise forward-looking statements to reflect changed assumptions or estimates, the occurrence of unanticipated events or changes to future operating results that occur after the date the forward-looking statements are made.

Item 9.01.    Financial Statements and Exhibits.

(d)    Exhibits.

Exhibit Number	Description of Exhibit
99.1	Investor conference presentation materials

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	RENASANT CORPORATION
Date: July 31, 2018	By:	/s/ C. Mitchell Waycaster
		C. Mitchell Waycaster
		President and Chief Executive Officer

EX-99.1

3Q18 Investor Presentation

Forward-Looking Statements This presentation contains various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 about Renasant Corporation (“Renasant,” “we,” “our,” or “us”) that are subject to risks and uncertainties. Congress passed the Private Securities Litigation Reform Act of 1995 in an effort to encourage companies to provide information about their anticipated future financial performance. This act provides a safe harbor for such disclosure, which protects a company from unwarranted litigation if actual results are different from management expectations. Forward-looking statements include information concerning our future financial performance, business strategy, projected plans and objectives. These statements are based upon the current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive risks and uncertainties, many of which are beyond our 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. Statements preceded by, followed by or that otherwise include the words “believes,” “expects,” “anticipates,” “intends,” “estimates,” “plans,” “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. Investors should understand that the following important factors, in addition to those discussed elsewhere in this presentation as well as in reports we file with the Securities and Exchange Commission, could cause actual results to differ materially from those expressed in such forward-looking statements: (i) our ability to efficiently integrate acquisitions into our operations, retain the customers of these businesses and grow the acquired operations, including with respect to our pending acquisition of Brand Group Holdings, Inc.; (ii) the timing of the implementation of changes in operations to achieve enhanced earnings or effect cost savings; (iii) competitive pressures in the consumer finance, commercial finance, insurance, financial services, asset management, retail banking, mortgage lending and auto lending industries; (iv) the financial resources of, and products available to, competitors; (v) changes in laws and regulations as well as changes in accounting standards; (vi) changes in regulatory policy; (vii) changes in the securities and foreign exchange markets; (viii) our potential growth, including our entrance or expansion into new markets, and the need for sufficient capital to support that growth; (ix) changes in the quality or composition of our loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers; (x) an insufficient allowance for loan losses as a result of inaccurate assumptions; (xi) general market or business conditions; (xii) changes in demand for loan products and financial services; (xiii) concentration of credit exposure; (xiv) changes or the lack of changes in interest rates, yield curves and interest rate spread relationships; and (xv) other circumstances, many of which are beyond management’s control. Our management believes the forward-looking statements about us are reasonable. However, investors should not place undue reliance on them. Any forward-looking statements in this presentation are not guarantees of future performance. They involve risks, uncertainties and assumptions, and actual results, developments and business decisions may differ from those contemplated by those forward-looking statements. Many of the factors that will determine these results are beyond our ability to control or predict. We expressly disclaim any duty to update or revise any forward-looking statements, all of which are expressly qualified by the statements above. 2

Current Footprint More than 180 banking, lending, wealth management and insurance offices Portfolio Loans* Northern 27% Eastern 25% Western 27% Central 21% Total Deposits* Northern 18% Western Eastern 45% 22% Central 15% 3 *As of June 30, 2018

Four Key Strategic Initiatives • Focus on highly-accretive acquisition opportunities Capitalize on • Leverage existing markets Opportunities • Seek new markets • New lines of business • Superior returns • Revenue growth / Expense control Enhance Profitability • Net interest margin expansion / mitigate interest rate risk • Loan growth • Core deposit growth • Enhance credit process, policies and personnel Focus on Risk • Aggressively identify and manage problem credits Management • Board focus on Enterprise Risk Management • Selective balance sheet growth Build Capital Ratios • Maintain dividend • Prudently manage capital 4

Renasant Footprint – June 2010 Financial Highlights Assets $3.59 Billion Gross Loans $2.28 Billion Deposits $2.69 Billion Source: SNL Financial

Market Expansion Since 2010 2018 Whole Bank Transaction: Brand Group Holdings, Inc.(1) | Lawrenceville, GA | Assets: $2.4 billion Whole Bank Transaction: Metropolitan BancGroup, Inc. | Ridgeland, MS | Assets: $1.2 billion 2017 De novo expansion: Mobile, AL 2016 Whole Bank Transaction: KeyWorth Bank | Atlanta, GA | Assets: $399 million 2015 Whole Bank Transaction: Heritage Financial Group, Inc. | Albany, GA | Assets: $1.9 billion Whole Bank Transaction: First M&F Corporation | Kosciusko, MS | Assets: $1.5 billion 2013 De novo expansion: Bristol, TN | Johnson City, TN 2012 De novo expansion: Maryville, TN | Jonesborough, TN FDIC-Assisted Transaction: American Trust Bank | Roswell, GA | Assets: $145 million 2011 Trust Acquisition: RBC (USA) Trust Unit | Birmingham, AL | Assets: $680 million De novo expansion: Montgomery, AL | Starkville, MS | Tuscaloosa, AL FDIC-Assisted Transaction: Crescent Bank and Trust | Jasper, GA | Assets: $1.0 billion 2010 De novo expansion: Columbus, MS (1) Announced March 28, 2018

Current Footprint Over 180 banking, lending, wealth management and insurance offices Highlights* Assets $10.5 billion Gross Loans $7.8 billion Deposits $8.4 billion *As of June 30, 2018 7

Announced Merger of Renasant Corporation and Brand Group Holdings, Inc. March 28, 2018 8

Transaction Terms and Multiples Target: . Brand Group Holdings, Inc. (“Brand”) . $453 million aggregate consideration (1)(2) Implied Purchase Price: . $1,447 per Brand common share (1) ‒ Price / Tangible Book Value per Share: 224% . 95% stock / 5% cash ‒ 32.87 RNST shares and $77.50 of cash for each Brand common share, subject to Consideration: adjustment (3) . Tax free transaction for stock component . All in-the-money options to be cashed out at a fixed price of $1,550 at close, subject Options: to adjustment (3) Pro Forma Ownership Split: . 83.5% RNST / 16.5% Brand Additional Related . $54.8 million of Brand’s classified assets to be sold at current book balance (3) Transactions Prior to Closing: . Brand’s mortgage subsidiary divested Management and . Brand’s CEO, Bartow Morgan Jr., appointed Chief Commercial Banking Officer Board of Directors: . One independent Brand director will be appointed to the RNST board Required Approvals: . Customary regulatory approval and Brand shareholder approval Expected Closing: . Third quarter 2018 (1) Based on RNST’s stock price of $41.66 as of 3/27/18, a fixed  per share exchange ratio of 32.87x and a per share cash payment of $77.50 (2) Includes the value of options that will be cashed out at closing 9 (3) If classified assets are sold at a discount to current book balance, the purchase price to common holders will be reduced on a dollar for dollar basis based upon the after‐tax  difference; the option cash‐out amount will be adjusted similarly

Transaction Rationale  Strategically Important ‒ Acquisition of 110+ year-old bank with quality core client base • $1.25 billion in transaction-related core deposits ‒ Strengthens RNST’s market presence in the attractive Atlanta MSA to be ranked in the top 10 (1) • 27% of pro forma franchise located in the Atlanta MSA (1) • Atlanta is the 9th largest MSA in the nation and the 2nd largest in the Southeast by population, with ~6 million people ‒ 9 of Brand’s 13 branches (2), or 97% of deposits, are in Gwinnett County, the 2nd largest county in the Atlanta MSA ‒ Complementary cultures and business model  Financially Attractive ‒ Double digit EPS accretion, once cost savings are fully realized (3) ‒ Mid single digit initial dilution to tangible book value; earned back within 3 years (4) ‒ Estimated IRR exceeds 20% ‒ Cost savings assumption based on market overlap and past acquisition experience ‒ Pro forma regulatory capital ratios remain above “well capitalized” guidelines (4) ‒ Pro forma C&D and CRE concentrations remain below regulatory recommended thresholds (4)  Lower Risk Opportunity ‒ In-market transaction ‒ Extensive due diligence process completed • ~77% of non-classified loans by book balance greater than $5 million reviewed • 100% of classified assets reviewed ‒ Manageable asset size and branch network ‒ Essentially all classified assets excluded from transaction ‒ Key members of Brand management to remain with RNST ‒ Track record of 7 successfully integrated acquisitions over the last 10 years Source: SNL Financial Demographic data as of 6/30/17; financial data as of 12/31/17 (1) Based on 6/30/17 deposits (2) Includes BrandExpress branches 10 (3) Excludes one‐time merger related expenses (4) Includes one‐time merger related expenses                                                                     

Atlanta – The Southeast’s Most Attractive MSA Brand’s Strategic Branch Footprint Atlanta MSA Highlights . 2nd largest MSA in the Southeast by population at ~6mm ‒ 9th largest in the U.S. Brand Branches (8) . Largest MSA in the Southeast by GDP at ~$300bn BrandExpress ‒ 8th largest in the U.S. Branches (5) . Highest concentration of Fortune 500 companies (15) in Counties >200,000 the Southeast pop. ‒ 3rd highest in U.S. . 2nd wealthiest MSA in Southeast by household income at $65 thousand . World’s busiest airport for 17 years running ‒ 80% of U.S. population within a 2-hour flight Atlanta MSA Community & Regional Independent Banks (1) Top Tier Demographics Assets % ATL ‘18 – ‘23 Pop. Growth 2023 Proj. Median HHI Rank Institution ($bn) ATL (2) DMS Rank (3) 1 Landmark Bancshares, Inc. $0.5 100 % 25 7.4% $73,600 2 Brand Group Holdings, Inc. 2.3 97 12 6.5% $65,167 3 United Bank Corp. 1.3 84 17 5.0% 4 Fidelity Southern Corp. 4.6 78 8 $61,045 5 MetroCity Bankshares, Inc. 1.1 77 21 3.5% $56,017 6 Piedmont Bancorp, Inc. 0.8 75 24 7 Atlantic Capital Bancshares, Inc. 2.7 74 13 8 Charter Financial Corp. 1.4 53 23 9 State Bank Financial Corp. 5.2 30 16 US Georgia Atlanta Gwinnett US Georgia Atlanta Gwinnett Source: SNL Financial, www.ATL.com County County Financial data as of 12/31/17; demographic and deposit market share data as of  6/30/17; pro forma for announced transactions (1) Includes banks with total assets between $500 million and $10 billion and more than $500 million of deposits in the Atlanta MSA; excludes merger targets at the time  of Brand merger announcement 11 (2) Indicates percentage of total deposits held in Atlanta MSA; table is ranked by this category (3) Ranking of deposit market share of all institutions with deposits in the Atlanta MSA

Our Pro Forma Atlanta Franchise Atlanta MSA Deposit Market Share Pro Forma Atlanta MSA Branch Footprint (1) Deposits Market Rank Institution ($mm) Share Branches Pickens 1 Wells Fargo & Co. $19,950 20.5 % 182 2 Bank of America Corp. 17,014 17.5 131 Dawson 3 SunTrust Banks Inc. 10,082 10.4 155 75 Cherokee 4 BB&T Corp. 5,674 5.8 78 Bartow Forsyth Hall 5 Synovus Financial Corp. 4,912 5.1 42 6 JPMorgan Chase & Co. 4,352 4.5 79 7 Regions Financial Corp. 3,690 3.8 65 8 Fidelity Southern Corp. 3,062 3.2 46 85 9 PNC Financial Services Group Inc. 2,801 2.9 66 Pro Forma 2,740 2.8 25 Barrow 10 Bank of the Ozarks 2,636 2.7 38 Cobb Gwinnett Paulding 12 Brand Group Holdings Inc. 1,840 1.9 7 Haralson 18 Renasant Corp. 901 0.9 18 DeKalb Walton 20 Douglas Atlanta Rockdale Fulton Morgan Carroll Clayton Gwinnett County Deposit Market Share Newton 20 Henry Deposits Market Fayette Rank Institution ($mm) Share Branches Coweta Heard Jasper 1 Wells Fargo & Co. $3,179 19.8 % 30 85 Butts Spalding 2 Bank of America Corp. 2,660 16.5 24 Pro Forma 1,959 12.2 9 3 SunTrust Banks Inc. 1,955 12.2 23 Pike Lamar 75 4 Brand Group Holdings Inc. 1,840 11.4 7 Meriwether Monroe 5 BB&T Corp. 956 5.9 12 RNST Branches 6 East West Bancorp Inc. 634 3.9 1 7 JPMorgan Chase & Co. 621 3.9 13 Brand Branches 8 Piedmont Bancorp Inc. 402 2.5 3 BrandExpress Branches 9 United Community Banks Inc. 389 2.4 3 10 PNC Financial Services Group Inc. 346 2.2 12 21 Renasant Corp. 119 0.7 2 Market Overlap: 1 traditional Brand branch, or 13%, is within 1 mile of an existing RNST branch; 2 traditional Source: SNL Financial Brand branches, or 25%, are within 5 miles Deposit data as of 6/30/17; pro forma for announced transactions 12 Excludes branches with deposits greater than $1.5 billion (1) Hall county not within Atlanta MSA; included to show full Brand footprint

Financial Impact of the Transaction Assumptions Attractive Returns . Cost Savings . Double digit EPS accretion expected, once cost savings are fully realized ‒ 35% of total noninterest expense (50% realization rate in 2018; 100% in 2019 andthereafter) . Mid single digit dilution to tangible book value . Pre-Tax Merger Expenses per share at closing, earned back within 3.0 years ‒ $42 million . Fair Market Value Adjustments: . Estimated IRR exceeds 20% ‒ Loan Mark: $21 million . Pro forma C&D and CRE concentrations remain ‒ Other Net Asset / Liability Marks: $7 below regulatory recommended thresholds million . Core Deposit Intangible Pro Forma Capital ‒ 2.0% of transaction accounts, 10 year amortization . Pro forma capital ratios are expected to remain . Assumes reduction in Brand’s future well in excess of “well capitalized” minimums interchange income (crossing $10 billion at close asset threshold by year-end 2018) . Estimated closing in 3Q 2018 . Pro forma TCE / TA of approximately 8.9% at close 13

Our Pro Forma Company Pro Forma Footprint Pro Forma Financial Highlights Johnson City Assets $12.2 bn Knoxville 40 Nashville (1) 40 Loans $9.5 bn TENNESSEE Deposits Memphis 65 24 $9.8 bn Huntsville 75 Branches 162 Tupelo 20 Loans / Deposits 96.5% (2) Birmingham $2.5 bn Atlanta Market Cap Augusta 20 Auburn Macon Pro Forma Deposits by State Jackson GEORGIA Savannah Georgia Montgomery 36% 59 75 65 Albany MISSISSIPPI ALABAMA 55 10 Mississippi FLORIDA 10 36% RNST Branches Gainesville Brand Branches 95 Ocala BrandExpress Branches Tennessee Florida 15% 2% Alabama 10% Source: SNL Financial Data as of 12/31/17; deposits by state as of 6/30/17; excludes purchase  accounting adjustments Note: Chart does not total 100% due to rounding 14 (1) Excludes loans held for sale (2) Market cap calculated using RNST’s price of $41.66, as of 3/27/18

Four Key Strategic Initiatives • Focus on highly-accretive acquisition opportunities Capitalize on • Leverage existing markets Opportunities • Seek new markets • New lines of business • Superior returns • Revenue growth / Expense control Enhance Profitability • Net interest margin expansion / mitigate interest rate risk • Loan growth • Core deposit growth • Enhance credit process, policies and personnel Focus on Risk • Aggressively identify and manage problem credits Management • Board focus on Enterprise Risk Management • Selective balance sheet growth Build Capital Ratios • Maintain dividend • Prudently manage capital 15

Total Assets • Reduced balance sheet to $10,000 manage assets below $10 billion at December 31, 2017 • Deleverage strategy included: $8,000 • Reduction of $479 million in investment securities • Reduction of $99 million $6,000 in mortgage loans held for sale • Purchased investment securities of $318 million in $4,000 1Q18 and $180 million in 2Q18 $2,000 $0 Total Assets Deposits 16

Diluted Earnings Per Share* $3.00 $0.80 $0.75 $0.70 $0.70 $2.50 $2.42 $0.64 $2.31 $0.61 $0.62 $0.59 $0.59 $0.59 $2.10 $0.60 $0.54 $0.55 $2.00 $1.89 $0.50 $1.50 $1.38 $0.40 $1.09 $0.30 $1.00 $0.20 $0.50 $0.10 $0.00 $0.00 2012 2013 2014 2015 2016 2017 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 * Diluted earnings per share excludes revaluation of net deferred tax assets, merger expense, debt extinguishment penalty, and loss share termination. See slide 44 for reconciliation of Non-GAAP disclosure to GAAP. 17

Enhanced Profitability Return on Assets* Return on Tangible Equity* 1.60% 18.00% 16.92% 1.44% 16.37% 16.23% 16.34% 1.39% 16.10% 1.40% 16.00% 14.48% 1.20% 1.20% 1.15% 14.00% 1.10% 12.17% 1.03% 12.00% 1.00% 0.80% 10.00% 9.40% 0.80% 0.66% 8.00% 0.60% 6.00% 0.40% 4.00% 0.20% 2.00% 0.00% 0.00% 2012 2013 2014 2015 2016 2017 1Q18 2Q18 2012 2013 2014 2015 2016 2017 1Q18 2Q18 * Return on assets and return on tangible equity each excludes revaluation of net deferred tax assets, merger expense, debt extinguishment penalty, and loss share termination. See slides 45 and 46 for reconciliations of these non-GAAP disclosures 18 to GAAP.

Total Portfolio Loans $8,000,000 • Loans not purchased increased $7,000,000 $228 million, or 16% annualized, during 2Q18 $6,000,000 • Net loan growth totaled $70 $5,000,000 million during 2Q18 $4,000,000 • Company maintains strong $3,000,000 pipelines throughout all markets which will continue to $2,000,000 drive further loan growth $1,000,000 $0 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 ($ in thousands) Not Purchased Purchased Covered Purchased ($ in millions) 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 Not $2,886 $3,268 $3,830 $4,075 $4,292 $4,526 $4,714 $4,834 $5,059 $5,294 $5,588 $5,830 $6,058 Purchased Purchased $182 $143 $93 $45 $42 $30 - ------ Covered* Purchased Not $813 $577 $1,490 $1,453 $1,631 $1,549 $1,489 $1,402 $1,312 $2,155 $2,032 $1,868 $1,710 Covered Total Loans $3,881 $3,988 $5,413 $5,573 $5,965 $6,105 $6,203 $6,236 $6,371 $7,449 $7,620 $7,698 $7,768 * Covered loans are subject to loss-share agreements with FDIC. Loss-share agreements with FDIC were terminated in 4Q16. 19

Diversified Loan Portfolio . At June 30, 2018, loans totaled $7.8 billion  78% Not Purchased  22% Purchased Non Owner Occupied 25% Owner Occupied 18% C&I 13% 1-4 Family Consumer 32% 2% Const Land Dev 8% 2% 20

C&D and CRE Loan Concentration Levels Acquisition, Development & Construction (ADC) and Commercial Real Estate (CRE) ADC Loans as a Percentage of CRE Loans (Construction & Perm) as a Risk Based Capital Percentage of Risk Based Capital 100% 300% 277% 91% 267% 87% 258% 251% 83% 82% 83% 244% 81% 80% 80% 250% 242% 244% 242% 80% 76% 231% 227% 230% 69% 66% 200% 60% 150% 40% 100% 20% 50% 0% 0% 21

Focus on Core Funding $9,000,000 2.50% $8,000,000 $7,000,000 2.00% $6,000,000 ) 1.50% $5,000,000 $4,000,000 1.00% $3,000,000 ($ in thousands $2,000,000 0.50% $1,000,000 $- 0.00% 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 Total Deposits Cost of Deposits Fed Funds $2,000,000 Non Interest Bearing Demand Deposits 2Q 2018 $1,800,000 $1,600,000 Non Interest $1,400,000 DDA Other Int $1,200,000 21% Bearing Accts $1,000,000 Borrowed 52% $800,000 Funds 6% $600,000 Time Deposits 21% $400,000 $200,000 $- Cost of Funds ($ in thousands) .65% 22

Net Interest Income and Net Interest Expense 6.00% 6.00% 5.00% 5.00% 4.00% 4.00% 3.00% 3.00% Margin Yield/Cost 2.00% 2.00% 1.00% 1.00% 0.00% 0.00% 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 Yield on Earning Assets Cost of Funds Margin ($ in thousands) 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 Net Interest $157,133 $202,482 $72,351 $70,054 $77,157 $75,731 $78,049 $74,015 $79,603 $90,017 $93,262 $89,240 $92,389 Income Net Interest 3.96% 4.12% 4.33% 4.21% 4.29% 4.15% 4.24% 4.01% 4.27% 4.08% 4.25% 4.20% 4.16% Margin Yield on 4.53% 4.59% 4.65% 4.57% 4.66% 4.54% 4.66% 4.43% 4.68% 4.55% 4.75% 4.72% 4.79% Earning Assets Cost of Funds 0.57% 0.47% 0.32% 0.37% 0.38% 0.40% 0.42% 0.43% 0.43% 0.49% 0.52% 0.53% 0.65% 23

Sources of Non Interest Income* ($ in thousands) • Diversified sources of noninterest income Non Interest Income* $45,000 • Opportunities for growing Non Interest Income $40,000  $35,000 Expansion of Trust Division Wealth Management $30,000 services into larger, metropolitan markets $25,000 Expansions within our de novo operations $20,000 $15,000 Expansion of the Mortgage Division within new $10,000 markets $5,000 Preserved debit card revenue in 2018 by $- deleveraging the balance sheet below $10B in assets in 4Q17 1Q08 Svc Chgs 2Q18 Svc Chgs $14M* 39% $36M* 6% Insurance 23% Insurance 6% Mtg Inc Mtg Inc 8% 36% 12% 11% Wealth Mgmt Wealth Mgmt 5% Fees & Comm 17% Fees & Comm 27% Other 10% Other 24 *Non interest income excludes gains from securities transactions. See slide 43 for reconciliation of Non-GAAP disclosure to GAAP

Improved Efficiency 80.00% • Continued focus on managing noninterest expenses and 75.00% improving efficiency • Provided resources for eight 70.00% de novo expansions since 2011 • Fluctuations in mortgage loan 65.00% expense driven by higher mortgage production 60.00% 55.00% 50.00% 45.00% 2013 2014 2015 2016 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 Efficiency Ratio* Efficiency Ratio ex. Mortgage* * Excludes debt extinguishment penalties, amortization of intangibles, loss share termination charges and merger-related expenses from noninterest expense and profit (loss) on sales of securities and gains on acquisitions from noninterest income. See slides 41 and 42 for reconciliation of Non- GAAP disclosure to GAAP. 25

Four Key Strategic Initiatives • Focus on highly-accretive acquisition opportunities Capitalize on • Leverage existing markets Opportunities • Seek new markets • New lines of business • Superior returns • Revenue growth / Expense control Enhance Profitability • Net interest margin expansion / mitigate interest rate risk • Loan growth • Core deposit growth • Enhance credit process, policies and personnel Focus on Risk • Aggressively identify and manage problem credits Management • Board focus on Enterprise Risk Management • Selective balance sheet growth Build Capital Ratios • Maintain dividend • Prudently manage capital 26

Non Performing Assets Continue to Decline Both on a Linked Quarter and Y-O-Y Basis 2.50% . Not purchased NPAs are now below pre-credit cycle levels . 2.00% Loss-share agreements with FDIC were terminated in 4Q 2016 1.50% 1.00% Not Purchased Purchased Not Covered NPL’s $11.1M $10.1M 0.50% ORE $4.7M $9.0M Total NPA’s $15.8M $19.1M 0.00% Not Purchased Purchased Covered Purchased Not Covered As a percentage of total assets 27

Proactive in Providing Reserves for Problem Credit Resolution $6,000 450% • Net charge-offs: 400% $5,000 • 4 bps in 2Q18 350% • Provision for loan losses: $4,000 300% • $1.81 million in 2Q18 250% $3,000 ($ in thousands) 200% $2,000 150% 100% $1,000 50% $- 0% 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 ($)Provision for Loan Losses ($)Net Charge Offs Coverage Ratio* Allowance for Loan Losses as % of Non-Purchased Loans* 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 1.65% 1.29% 1.11% 1.05% 1.03% 1.01% 0.91% 0.89% 0.87% 0.84% 0.83% 0.80% 0.78% * Ratios excludes loans and assets purchased in connection with recent acquisitions or loss share transactions. 28

Strong Credit Quality Metrics NPLs and Early Stage Delinquencies (30-89 Days Past Due Loans)* $25,000 $20,000 NPLs 30-89 $15,000 Days $10,000 $5,000 $0 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 ($ in thousands) *Amounts exclude loans and assets purchased in connection with recent acquisitions or loss-share transactions. • NPL’s to total loans were 0.18% as of June 30, 2018 29

Four Key Strategic Initiatives • Focus on highly-accretive acquisition opportunities Capitalize on • Leverage existing markets Opportunities • Seek new markets • New lines of business • Superior returns • Revenue growth / Expense control Enhance Profitability • Net interest margin expansion / mitigate interest rate risk • Loan growth • Core deposit growth • Enhance credit process, policies and personnel Focus on Risk • Aggressively identify and manage problem credits Management • Board focus on Enterprise Risk Management • Selective balance sheet growth Build Capital Ratios • Maintain dividend • Prudently manage capital 30

Strong Capital Position Tangible Common Equity Ratio* • Maintained dividend throughout economic 10.50% downturn 9.50% • Increased quarterly dividend three times since 2Q16 8.50% • Regulatory capital ratios are well above the minimum for well-capitalized classification 7.50% • Capital level positions the Company for future 6.50% growth and geographic expansion • Proactive capital plan: 5.50% • Raised $98.2M of subordinated notes in 3Q 4.50% 2016 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 Renasant • Raised $84.1M of common equity in 4Q 2016 Capital 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 Tangible Common 6.64% 7.52% 7.54% 7.52% 7.80% 8.03% 9.00% 9.16% 9.31% 9.03% 9.56% 9.36% 9.35% Equity* Leverage 8.68% 9.53% 9.16% 9.19% 9.18% 9.38% 10.59% 10.39% 10.68% 10.05% 10.18% 10.61% 10.65% Tier 1 Risk 11.41% 12.45% 11.51% 11.38% 11.56% 11.57% 12.86% 12.93% 12.86% 12.26% 12.39% 12.41% 12.73% Based Total Risk 12.58% 13.54% 12.32% 12.17% 12.31% 13.84% 15.03% 15.11% 15.00% 14.30% 14.46% 14.44% 14.75% Based Tier 1 Common N/A N/A 9.99% 9.88% 10.13% 10.16% 11.47% 11.69% 11.65% 11.21% 11.34% 11.38% 11.71% Equity 31 * Excludes intangible assets. See slide 40 for reconciliation of Non-GAAP disclosure to GAAP.

Consistent and Strong Dividend Dividends Per Share – Annual Payout Dividends Per Share – Quarterly Payout $0.80 $0.25 $0.70 $0.20 $0.60 $0.50 $0.15 $0.40 $0.10 $0.30 $0.20 $0.05 $0.10 $0.00 $0.00 32

Poised for Growth with Added Shareholder Value . $10.5B franchise well positioned in attractive markets in the Southeast . Merger with Brand Group Holdings, Inc. will add $2.4B in assets, $1.9M in deposits and $1.9M in loans on the acquisition date . Strategic focus on expanding footprint • Acquisition • De Novo • New lines of business . Opportunity for further profitability improvement . Organic loan growth . Core deposit growth . Revenue growth . Declining credit costs . Strong capital position . Consistent dividend payment history 33

Appendix 34

Alabama – Central Region . Mazda and Toyota announced $1.6 billion investment creating up to 4,000 jobs by 2021 Alabama Deposit Market Share . Ranked #6 on the Area Development Top States for Doing Business 2016 Deposits Market Rank Institution ($mm) Share Branches . Honda, Hyundai, Mercedes-Benz and Toyota increasingly large presence 1 Regions Financia l Corp. $22,678 22.6% 221 2Banco Bi lbao Vizcaya ArgentariaA S 13,843 13.8 89 . Merger with Heritage Financial Group, Inc. (Nasdaq: HBOS) in July 2015 added approximately $90.0 3We lls Fargo & Co. 8,824 8.8 128 million in loans, $141 million in deposits and 9 branches 4 ServisFirst Bancshares Inc. 4,390 4.4 11 5 Synovus Financial Corp. 4,230 4.2 37 6 BB&T Corp. 3,889 3.9 82 7PNC Financia . Opened Commercial Loan Production Office and Mortgage Production Office in Mobile, AL in Q1 2017 l Services Group Inc. 3,215 3.2 67 8Cadence Bancorp. 2,791 2.8 26 9Trustmar nd k Corp. 1,598 1.6 44 . 2 largest research and technology park in the U.S 10 Bryant Bank 1,271 1.3 15  More than $1.4 billion in aerospace equipment exported in 2016 16 Renasant Corp. 993 1.0 19 Total Market 100,324 100.0 1,492  More than $8.4 billion in Department of Defense contracts Deposit Market Share by County – Top 5 Presence in 4 of 10 counties 20.0% 17.5% 15.0% 12.0% 10.0% 6.2% 6.8% 5.0% 1.6% 1.0% 1.1% 0.4% 0.6% 0.0% 0.0% Lee Shelby Mobile Morgan Madison Jefferson Talladega Chambers Deposit Tuscaloosa Market Montgomery Share 35 2 5 16 13 12 5 3 14 16 21 Rank

Florida – Central Region . Entered the Florida market through the acquisition of HBOS. Florida Deposit Market Share  Moved into FL with 6 full-services branches along I-75 Deposits Market Rank Institution ($mm) Share Branches . Opened Mortgage Production Offices in Destin and Jacksonville in 1Q 1 Bank of America Corp. $108,279 19.8 % 563 2017 2 Wells Fargo & Co. 79,721 14.6 621 3 SunTrust Banks Inc. 49,105 9.0 441 th . Florida would have the 19 largest economy in the world, if it were a 4 JPMorgan Chase & Co. 32,882 6.0 399 country 5 Citigroup Inc. 19,525 3.6 55 6 TIAA Board of Overseers 19,290 3.5 12 7 Regions Financial Corp. 18,994 3.5 323 . Publix Super Markets, Southern Wine & Spirits, Royal Caribbean Cruise, 8 BB&T Corp. 18,041 3.3 311 Darden Restaurants, CSX, and JM Family Enterprises are all 9 BankUnited Inc. 14,697 2.7 89 10 Toronto-Dominion Bank 12,714 2.3 152 headquartered in Florida 113 Renasant Corp. 238 0.0 6 Total Market 545,627 100.0 5,099 . Florida projected population growth is approximately 6.7% compared to the national average of 3.8% Deposit Market Share by County 4.0% 3.0% RNST Branches 2.2% 2.2% 2.0% 2.0% 1.0% 0.0% Marion Alachua Deposit Columbia Market 11 9 6 Share 36 Rank

Georgia – Eastern Region . Entered the North GA market through two FDIC loss share transactions Georgia Deposit Market Share  12 full-service locations Deposits Market  Rank Institution ($mm) Share Branches Expanded services include mortgage and wealth management personnel 1 SunTrust Banks Inc. $54,262 22.9 % 230 2 Wells Fargo & Co. 36,811 15.5 265 3 Bank of America Corp. 35,762 15.1 170 . Grew GA presence by completing acquisition of HBOS 4 Synovus Financial Corp. 14,687 6.2 115 5 BB&T Corp. 11,995 5.1 147  6 Regions Financial Corp. 6,425 2.7 121 Added 20 full-service branches and 4 mortgage offices 7 United Community Banks Inc. 5,773 2.4 65 8 JPMorgan Chase & Co. 4,390 1.9 82  9 Bank of the Ozarks 3,995 1.7 67 Significantly ramps up our mortgage division 10 State Bank Financial Corp. 3,514 1.5 32 16 Renasant Corp. 1,780 0.8 37 . Enhanced GA presence by acquisition of KeyWorth Bank ($399 million in assets) in Total Market 236,981 100.0 2,323 April 2016  Approximately $284 million in loans, $347 million in deposits, and 4 full-service branches . Asset based lending division headquartered in Atlanta Deposit Market Share by County – Top 5 Presence in 10 of 22 counties 32.0% 26.9% 27.8% 24.0% 19.8% 16.8% 14.8% 16.0% 13.6% 11.8% 11.2% 11.5% 8.9% 7.2% 8.0% 4.7% 2.5% 2.5% 2.0% 1.1% 0.3% 0.7% 0.4% 0.5% 0.0% 0.1% 0.0% Lee Bibb Cook Cobb Troup Worth Fulton Bartow DeKalb Bulloch Pickens Forsyth Tattnall Appling Chatham Lowndes Gwinnett Cherokee Jeff Davis Jeff Muscogee Effingham Dougherty Deposit Market 14 1 7 4 2 21 12 3 8 9 2 12 4 20 3 17 5 4 4 11 24 13 Share Rank Source: SNL Financial 37 Green highlighting denotes top 5 deposit market share in respective county Deposit data as of 6/30/17

Mississippi – Western Region . Increased presence in Mississippi with the recent acquisition of Metropolitan BancGroup, Inc., which Mississippi Deposit Market Share closed 7/1/17 Deposits Market  Added 4-full service branches Rank Institution ($mm) Share Branches 1 Trustmark Corp. $7,127 13.4 % 122 2 Regions Financial Corp. 7,085 13.4 127 . Columbus Air Force Base trains 1/3 of the nation’s pilots, with an economic impact of $250 million 3 BancorpSouth Inc. 5,746 10.8 97 4 Renasant Corp. 3,692 7.0 75 5 Hancock Holding Co. 3,126 5.9 39 . Yokohama Tire Corporation announces plans to locate new commercial tire plant in West Point with 6 Community Bancshares of Mississippi Inc. 2,278 4.3 35 7 BancPlus Corp. 2,155 4.1 56 8 Citizens National Banc Corp. 1,157 2.2 26 an initial investment of $300 million and potentially more than $1 billion. 9 Planters Holding Co. 909 1.7 19 10 First Bancshares Inc. 885 1.7 17 . In Blue Springs, MS, Toyota Motor Corp. announced a $170 million plant expansion, which will add Total Market 53,035 100.0 1,140 400 jobs. . City of Tupelo/Lee County Hosts one of the largest furniture markets in the U.S. Home to one of the largest rubber / tire producers in the country Deposit Market Share by County – Top 5 Presence in 24 of 28 counties 60.0% 47.9% 46.9% 46.5% 45.0% 29.1% 29.6% 30.4% 26.6% 26.8% 26.5% 30.0% 23.1% 21.3% 21.6% 16.5% 11.3% 15.0% 12.0% 11.1% 10.3% 9.1% 8.8% 10.8% 8.3% 8.7% 7.4% 8.6% 5.8% 4.2% 4.9% 0.6% 0.0% Lee Clay Attala Hinds Union Panola Alcorn Desoto Rankin Bolivar Copiah Holmes Monroe Prenti ss Winston Calhoun Grenada Madison Neshoba Pontotoc Choctaw Lowndes Lafayette Oktibbeha Yalobusha Chickasaw Tishomingo Montgomery Deposit Market 1 4 2 3 2 2 3 2 4 Share 1 5 1 4 1 7 2 5 3 2 3 5 4 6 10 4 3 6 3 Rank 38

Tennessee – Northern Region . Our Tennessee Operations Tennessee Deposit Market Share  The Knoxville/Maryville MSA location opened in late Q2 ‘12 Deposits Market  East Tennessee operations currently have 4 full-service branches, $304 million in Rank Institution ($mm) Share Branches loans and $133 million in deposits 1 First Horizon National Corp. $22,935 15.5 % 202 2Regions Financial Corp. 18,659 12.6 223  3 SunTrust Banks Inc. 13,651 9.3 127 Metropolitan acquisition added two branches in each of Memphis and Nashville 4 Bank of America Corp. 11,459 7.8 58 5 Pinnacle Financial Partners Inc. 9,659 6.6 46  New Healthcare Lending Group added in Nashville during 2015 6 FB Financial Corp. 3,567 2.4 69 7 U.S. Bancorp 3,221 2.2 103 . th 8 Franklin Financial Network Inc. 2,878 2.0 14 Tennessee ranked 4 best state to do business, per Area Development magazine 9 BB&T Corp. 2,713 1.8 47  Driven by VW, Nissan and GM, Tennessee named the #1 state in the nation for 10 Wilson Bank Holding Co. 2,022 1.4 27 15 Renasant Corp. 1,522 1.0 22 automotive manufacturing strength Total Market 147,560 100.0 2,116  Unemployment rate continues to improve declining to 3.4% from 10.4% in January 2010, down 1.6% since last November . In the Nashville market, Hospital Corporation of American announced an Deposit Market Share by County – Top 5 Presence in 2 of 8 counties expansion that will create 2,000 jobs . #1 single-family housing market in the country 12.0% 11.1%  Housing prices appreciated 8% in the last year, and 23.3% in the last 3 years 9.0% . The Memphis MSA market ranked #1 for Logistics Leaders both nationally and globally  Bass Pro Shops, $70 million hotel in conjunction with their Pyramid 6.0% flagship store 3.7% . Fortune 500 company, Royal Phillips to expand in Tennessee, creating nearly 2.7% 3.0% 2.2% 1,000 jobs in Nashville and Franklin 1.1% 1.2% 0.8% 0.5% 0.0% Blount Shelby Sumner Sullivan Crockett Davidson Williamson Washington Deposit Market 5 12 17 8 11 16 3 12 Share 39 Source: SNL Financial - Green highlighting denotes top 5 deposit market share in respective county Rank Deposit data as of 6/30/17

Reconciliation of Non-GAAP Disclosures Tangible Common Equity 40

Reconciliation of Non-GAAP Disclosures Efficiency Ratio 41

Reconciliation of Non-GAAP Disclosures Efficiency Ratio (Excluding Mortgage) 42

Reconciliation of Non-GAAP Disclosures Non Interest Income 43

Reconciliation of Non-GAAP Disclosures Diluted Earnings Per Share 44

Reconciliation of Non-GAAP Disclosures Return on Assets 45

Reconciliation of Non-GAAP Disclosures Return on Tangible Equity 46

Additional Information In connection with the proposed merger of Brand into Renasant, on June 27, 2018 Renasant filed with the Securities and Exchange Commission (the “SEC”) a definitive proxy statement for Brand that also constitutes a definitive prospectus of Renasant, and Renasant may file additional documents concerning the proposed merger. This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities. BEFORE MAKING ANY INVESTMENT DECISION, BRAND INVESTORS ARE URGED TO READ THE PROXY STATEMENT/PROSPECTUS AND ANY OTHER DOCUMENTS TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED MERGER OR INCORPORATED BY REFERENCE IN THE PROXY STATEMENT/PROSPECTUS BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT RENASANT, BRAND AND THE PROPOSED MERGER. The definitive proxy statement/prospectus was mailed to shareholders of Brand on June 27, 2018. Investors may also obtain copies of the proxy statement/prospectus and other relevant documents (when they become available) free of charge at the SEC’s Web site (www.sec.gov). In addition, documents filed with the SEC by Renasant will be available free of charge from Kevin Chapman, Chief Financial and Operating Officer, Renasant Corporation, 209 Troy Street, Tupelo, Mississippi 38804-4827, telephone: (662) 680-1450. 47

Investor Inquiries E. Robinson McGraw Chairman of the Board and Executive Chairman 209 TROY STREET TUPELO, MS 38804-4827 C. Mitchell Waycaster President and Chief Executive Officer PHONE: 1-800-680-1601 FACSIMILE: 1-662-680-1234 Kevin D. Chapman WWW.RENASANT.COM Senior Executive Vice President, WWW.RENASANTBANK.COM Chief Financial Officer and Chief Operating Officer 48