Renasant Bank


Overview / Commentary
877-367-5371
209 Troy Street
Tupelo, MS 38804

Renasant Bank is headquartered in TUPELO and is the 4th largest bank in the state of Mississippi. It is also the 108th largest bank in the nation. It was established in 1904 and as of December of 2023, it had grown to 2,323 employees at 164 locations. Renasant Bank has an A health rating.

Hendersonville Renasant Branch

this branch has the best group of people working there!! everytime im in there, they have huge smiles on their faces, that tells me they are happy with their jobs so that will reflex on the customers. Today I went into the hermitage branch and it was the complete opposite. I hope I never have to go in that branch again. They need to be taught some manners

Small Banks - The Pluses and Minuses

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Renasant Bank is very friendly, customer service wise, but lacks technology to be competitive with the big banks. They always seem to be one step behind.

Bank Is Ok

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This bank definitely isn’t your friend. I had automatic items come out of my account and the same day I put money to cover them. I was still charged an overdraft fee even though the money was there before the cut off time. Their response is the money should have been in there before the transaction took place. My other bank wouldn’t ever do that. Their app is a dinosaur compared to other banks. You have to download a separate app to turn your card off in the case you loose it. The people in the branch are typically nice but just know this bank doesn’t look out or even pretend to care about you.

Increased Mortgage Without Cause

I recently had a very bad experience with service at Renasant bank, my mortgage loan company. Renasant bank increased my mortgage without cause. They claimed I either did not have or had insufficient home owners insurance to meet the requirement of loan agreement with Renasant bank.

Renasant Bank let me know my dwelling coverage component of my home owners insurance stated $306k but they required at least $350K

I reached out to my home owners insurance company which is Mercury to further investigate this claim by Renasant bank. Mercury let me know that even though they provide dwelling coverage of $306k, they also provide an additional 25% additional dwelling coverage on top of the $306k. This is $382k in total. This is clearly stated on the second page of the home owners insurance declaration page.

I communicated this multiple times with my loan officer (Angie Jones) but she would not understand what I was saying. I emailed the Insurance declaration page to her, I even visited local Renasant bank branch in Lawrenceville Georgia, and spoke with the branch manager (Paul Bishop). He in turn emailed Angie Jones about my complaint. But Received the response saying I did not the insurance requirements

After multiple phone calls back and forth with the bank and the insurance company, I finally initiated a three way call with a mercury Insurance agent , and Angie Jones, my loan officer. On the call, the insurance agent stated that did meet the state insurance requirements. It is only after this that my loan officer finally accepted that i met the requirements

This ordeal was very stressful for me. This was very poor service by loan officer. As loan officer, the least you should do is listen to your customer and hear them out, and not just disregard what they are saying to you

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Health

Health Grade Components

Overall
FDIC Certificate #12437
Year Established1904
Employees2323
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD6.76%
Annual Interest Income$797.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$17.36B$17B
LoansQ4 2023vs Q4 2022$12.33B$11.5B
DepositsQ4 2023vs Q4 2022$14.24B$13.65B
Equity CapitalQ4 2023vs Q4 2022$2.54B$2.39B
Loan Loss AllowanceQ4 2023vs Q4 2022$198.6MM$192.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$67.6MM$56.6MM
Real Estate OwnedQ4 2023vs Q4 2022$9.6MM$1.8MM
Rates
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Renasant Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$10k-7 Month CD Special
4.25%$10k-11 Month CD Special
4.00%$10k-5 Month CD Special
3.45%$10k-17 Month CD Special
Locations

Availability

Columbus Area

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