Renasant Corporation

Item 1.01. Entry into a Material Definitive Agreement. Underwriting Agreement. On May 4, 2026, Renasant Corporation (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with Keefe, Bruyette & Woods, Inc. and Stephens Inc., as representatives of the underwriters listed on Schedule I to the Underwriting Agreement, for the issuance and sale of $300 million aggregate principal amount of its 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “Notes”), at a public offering price equal to 100% of the aggregate principal amount of the Notes. The offering of the Notes closed on May 7, 2026. The net proceeds from the sale of the Notes to the Company were approximately $295.7 million, after deducting underwriting discounts and estimated expenses. The Company intends to use the net proceeds from the offering of the Notes for general corporate purposes, including the potential redemption of $40 million aggregate principal amount outstanding of its 5.50% Fixed-to-Floating Rate Subordinated Notes due September 1, 2031. The Notes were sold pursuant to the Company’s registration statement on Form S-3ASR (File No. 333-284828) (the “Registration Statement”) filed with the Securities and Exchange Commission (the “SEC”) on February 11, 2025, and were offered to the public pursuant to a prospectus supplement, dated May 4, 2026, supplementing the prospectus, dated February 11, 2025, which is contained in and forms a part of the Registration Statement. The Underwriting Agreement contains representations, warranties and covenants customary in agreements of this type. These representations, warranties and covenants are not representations of factual information to investors about the Company or its subsidiaries, and the sale of the Notes is not a representation that there has not been any change in the condition of the Company. The Company also agreed to indemnify the underwriters against certain liabilities arising out of or in connection with the sale of the Notes. The foregoing description of the Underwriting Agreement is not complete and is qualified in its entirety by reference to the complete text of the Underwriting Agreement, a copy of which is attached as Exhibit 1.1 to this Current Report on Form 8-K and incorporated herein by reference. Indenture and Notes. The Notes have been issued under a Subordinated Indenture dated as of August 22, 2016 (the “Base Indenture”) by and between the Company and Wilmington Trust, National Association, as trustee (the “Trustee”), as supplemented by that certain Fifth Supplemental Indenture dated as of May 7, 2026, between the Company and the Trustee (the “Fifth Supplemental Indenture” and together with the Base Indenture, as previously supplemented, the “Indenture”). The terms of the Notes are set forth in, and such Notes are governed by, the Base Indenture and the Fifth Supplemental Indenture. The Notes will mature on June 1, 2036. From and including May 7, 2026, to but excluding June 1, 2031 or the date of earlier redemption, the Company will pay interest on the Notes semi-annually in arrears on each June 1 and December 1 commencing December 1, 2026, at a fixed annual interest rate equal to 6.25%. From and including June 1, 2031, to, but excluding the maturity date or earlier redemption date of the Notes, the Company will pay interest on the Notes at a floating per annum rate equal to a Benchmark rate (which is expected to be Three-Month Term SOFR) (each as defined in the Indenture), plus 245 basis points, payable quarterly in arrears on each March 1, June 1, September 1 and December 1 commencing on September 1, 2031; provided, however, that in the event the Benchmark rate is less than zero, the Benchmark rate shall be deemed to be zero. The Company may, beginning with the interest payment date of June 1, 2031, and on any interest payment date thereafter, redeem the Notes, in whole or in part, from time to time, subject to obtaining the prior approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”) (or, as and if applicable, the rules of any appropriate successor bank regulatory agency) to the extent such approval is then required under the rules of the Federal Reserve (or such successor bank regulatory agency), at a redemption price equal to 100% of the principal amount of the Notes being redeemed plus accrued and unpaid interest to, but excluding, the date of redemption. The Company may also redeem the Notes at any time prior to their maturity, including prior to June 1, 2031, in whole, but not in part, subject to obtaining the prior approval of the Federal Reserve (or, as and if applicable, the rules of any appropriate successor bank regulatory agency) to the extent such approval is then required under rules of the Federal Reserve (or such successor bank regulatory agency), if (i) a change or prospective change in law occurs that could prevent us from deducting interest payable on the Notes for U.S. federal income tax purposes, (ii) a subsequent event occurs that could preclude the Notes from being recognized as Tier 2 Capital for regulatory capital purposes, or (iii) the Company is required to register as an investment company under the Investment Company Act of 1940, as amended, in each case, at a redemption price equal to 100% of the principal amount of the Notes plus any accrued and unpaid interest to, but excluding, the redemption date. There is no sinking fund for the benefit of the Notes, and the Notes are not convertible into, or exchangeable for, equity securities, other securities, or assets or property of the Company or its subsidiaries. There is no automatic acceleration, or right of acceleration, in the case of default in the payment of principal of, premium, if any, or interest on the Notes, or in the performance of any of the Company’s other obligations under the Notes or the Indenture. The Indenture provides that holders of the Notes may accelerate payment of indebtedness only upon the Company’s or Renasant Bank’s insolvency, receivership, conservatorship, reorganization or similar proceedings, or if there is a liquidation or winding up of the Company’s business. The Notes are the unsecured, subordinated obligations of the Company and rank (i) junior in right of payment and upon the Company’s liquidation to any of the Company’s existing and all future Senior Indebtedness (as defined in the Indenture); (ii) junior in right of payment and upon the Company’s liquidation to any of the Company’s existing and all of its future general creditors; (iii) equal in right of payment and upon the Company’s liquidation with any of the Company’s existing and all of its future indebtedness the terms of which provide that such indebtedness ranks equally with the Notes and (iv) senior in right of payment and upon the Company’s liquidation to any of the Company’s existing junior subordinated debentures and any of its future indebtedness the terms of which provide that such indebtedness ranks junior in right of payment to note indebtedness such as the Notes. The Notes are effectively subordinated to the Company’s future secured indebtedness to the extent of the value of the collateral securing such indebtedness, and structurally subordinated to the existing and future indebtedness of the Company’s subsidiaries, including, without limitation, depositors of Renasant Bank, liabilities to general creditors and liabilities arising in the ordinary course of business or otherwise. The foregoing descriptions of the Base Indenture, the Fifth Supplemental Indenture and the Notes are not complete and are each qualified in their entirety by reference to the complete text of the Fifth Supplemental Indenture and the form of Note, copies of which are attached as Exhibits 4.2 and 4.3, respectively, to this Current Report on Form 8-K and incorporated herein by reference and the Base Indenture, which is incorporated herein by reference as Exhibit 4.1 hereto.

Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in Item 1.01 is incorporated herein by reference.

Item 7.01. Regulation FD Disclosure. On May 4, 2026, the Company issued a press release announcing the pricing of its offering of the Notes, which is furnished hereto as Exhibit 99.1. This Current Report on Form 8-K, including the Exhibits hereto, shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Notes, in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. Any offering of the Notes is being made only by means of a written prospectus meeting the requirements of Section 10 of the Securities Act.