Renasant Bank

-5.0%

1. Credit risk: Renasant Bank is exposed to credit risk when borrowers are unable to repay their loans or when there is a decline in the value of the collateral securing the loans. This can result in loan defaults and losses for the bank.

2. Interest rate risk: As a commercial bank, Renasant Bank generates most of its income by earning interest on loans and investments. Changes in interest rates can negatively impact the bank's profitability and financial performance.

3. Market risk: Renasant Bank is exposed to market risk through its investment activities. Changes in interest rates, foreign exchange rates, and equity prices can affect the value of the bank's investments and lead to potential losses.

4. Operational risk: Operational risk refers to the risk of loss resulting from inadequate or failed internal processes, people, and systems. This includes risks related to cyber attacks, fraud, and human error, which can result in financial losses and damage the bank's reputation.

5. Regulatory risk: Being a financial institution, Renasant Bank operates in a highly regulated environment. Non-compliance with regulations or changes in regulatory requirements can result in penalties, fines, and reputational damage.

6. Liquidity risk: Renasant Bank could face liquidity risk if it is unable to meet its financial obligations as they come due. This can be caused by a shortage of cash or other liquid assets, unexpected loan losses, or a decrease in deposit levels.

7. Strategic risk: Strategic risk refers to the potential losses that could result from poor business decisions or ineffective implementation of strategic initiatives. Changes in market conditions or competitive landscape can also increase strategic risk for the bank.

8. Cybersecurity risk: As a digital bank, Renasant Bank is vulnerable to cybersecurity threats such as data breaches, hacking, and cyber attacks. These risks can result in financial losses, reputational damage, and legal consequences.

9. Economic risk: The performance of Renasant Bank is closely tied to the overall health of the economy. Economic downturns and recessions can negatively impact the bank's profitability and loan portfolio quality.

10. Acquisitions and mergers risk: Renasant Bank has a history of growing through acquisitions and mergers. Integration of acquired businesses can be challenging and may not always yield expected results, which could negatively impact the bank's financial performance.