For any forward-looking statements made in this prospectus or any prospectus supplement, or
in any documents incorporated by reference therein, we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.
RENASANT CORPORATION
We are a bank holding company headquartered in Tupelo, Mississippi. Through our wholly-owned bank subsidiary, Renasant Bank, and its
subsidiary, Renasant Insurance, Inc., we operate more than 190 banking, mortgage, financial services and insurance offices in Mississippi, Tennessee, Alabama, Florida and Georgia. Our Community Banks, Mortgage and Wealth Management segments operate
out of all of these offices. Our Bank was originally founded in 1904 as The Peoples Bank & Trust Company. In 1982, we reorganized as a bank holding company. In 2005, we changed our name from The Peoples Holding Company to Renasant
Corporation.
Through our Bank, we offer a complete range of banking and financial services to individuals and to small to
medium-size
businesses. These services include checking and savings accounts, business and personal loans, interim construction loans, specialty commercial lending, as well as safe deposit and night depository
facilities. Automated teller machines are located throughout our market area. Our Online and Mobile Banking products and our call center also provide
24-hour
banking services. Accounts receivable financing is
also available to qualified businesses. Through our Mortgage division, we offer both fixed and variable rate residential mortgage loans with competitive terms and fees. In many cases, we originate mortgage loans with the intention of selling them in
the secondary market to third party private investors or directly to government sponsored agencies. Depending on a number of factors, we may release or retain the right to service these loans upon the sale.
Through our Wealth Management business, we offer a wide variety of fiduciary services and administer (as trustee or in other fiduciary or
representative capacities) qualified retirement plans, profit sharing and other employee benefit plans, personal trusts and estates. In addition, the Wealth Management segment offers annuities, mutual funds and other investment services through a
third party broker-dealer. Through Renasant Insurance, we also offer all lines of commercial and personal insurance through major carriers.
Our primary asset is our investment in our Bank. At June 30, 2018, our consolidated total assets were approximately $10.5 billion,
our total loans (net of unearned income) were approximately $7.8 billion, our total deposits were approximately $8.4 billion, and our total shareholders equity was approximately $1.6 billion.
Effective September 1, 2018, we completed our previously-announced merger with Brand Group Holdings, Inc. (Brand) in a
transaction valued at approximately $474 million. The merger consideration paid to the Brand shareholders consisted of 9,306,477 shares of common stock and cash in the amount of $21.9 million. We paid $17.2 million to Brand stock
option holders for 100% of the voting equity interest in Brand. Before the consideration of purchase accounting adjustments, our acquisition of Brand added approximately $2.2 billion in total assets, $1.7 billion in loans, and
$1.8 billion in deposits.
Our principle executive offices are located at 209 Troy Street, Tupelo, Mississippi 38804-4827. Our
telephone number at that address is (662)
680-1001.
Our internet address is www.renasant.com.
USE OF PROCEEDS
Unless we indicate otherwise in an applicable prospectus supplement, we intend to use the net proceeds from the
sale of the securities described in this prospectus for general corporate purposes. These purposes may include (1) providing capital to support our growth organically or through the acquisition of financial institutions or branches thereof in
negotiated transactions, the acquisition of failed institutions from the Federal Deposit Insurance Corporation or the acquisition of businesses related to banking, (2) repaying or refinancing existing indebtedness, (3) financing
investments in our subsidiaries or capital expenditures and (4) investing the funds in
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