CharterbendFront sheet · Analysis
Analysis
Eight pieces, in four rubrics. Each piece carries a line naming the documents it was built from, and every document named on this page is listed once more, with its identifier and the address it was read at, in the source register.
The Company
The Company reads the entity itself: the charter and who granted it, the holding company above it, the subsidiaries beside it, and the transaction that changed its size in 2025. Its documents are the annual report on Form 10-K and exhibit 21 at EDGAR, the FDIC’s institution and structure registers, and the filer’s own tagged financial data.
How Renasant Corporation is organized
One charter, one holding company and twenty-three subsidiaries stand behind a single sign on the door, and each of them is recorded in a different public register. The piece walks the structure from the branch upward, names the register that proves each step, and dates the change of primary federal regulator to January 31, 2026.
FORM 10-K 0000715072-26-000017 · EXHIBIT 21 · FDIC INSTITUTION AND STRUCTURE REGISTERS · SEC XBRL COMPANY CONCEPT
The First Bancshares merger, in the documents
A bank merger leaves a trail of dated documents: an agreement, a vote, a set of approvals, a closing, and then a long tail of branch records. The piece follows the merger that closed effective April 1, 2025 through that trail and shows what each document adds that the one before it could not.
FORM 8-K · FDIC STRUCTURE REGISTER · EXHIBIT 21 · SEC XBRL COMPANY CONCEPT
The Filings
The Filings takes one form at a time and says what is in it, who must file it, and where a filed copy sits. Its documents are the SEC’s own blank Form 10-K, one filed annual report with its index page, the Call Report instructions published by the FDIC, and 12 U.S.C. § 1817.
What a bank holding company’s 10-K contains
Form 10-K has a fixed skeleton set by the SEC: four Parts running from Item 1, Business, to the exhibits at Item 15. The piece walks the form item by item, then makes one pass over a filed annual report to show where a bank’s own disclosures sit.
SEC FORM 10-K · FILING INDEX 0000715072-26-000017 · EXHIBIT 21 · SEC XBRL COMPANY CONCEPT
Call Reports: the quarterly form every bank files
Every insured depository institution makes four reports of condition a year, on dates selected by the heads of the three federal banking agencies rather than by the institution. The piece reads the statute behind the obligation, separates the three versions of the form, and follows the figures into the public registers.
12 U.S.C. § 1817 · 12 CFR § 304.3 · FFIEC 031/041 GENERAL INSTRUCTIONS · FDIC INSTITUTION REGISTER
The Footprint
The Footprint counts offices and deposits and keeps the date attached to every count. Its documents are the FDIC’s live office and institution registers, the Summary of Deposits reporting instructions, and 12 CFR § 304.3.
The FDIC Summary of Deposits, explained
Every published figure about where a bank’s deposits sit comes from one annual survey, taken as of June 30 and submitted no later than the immediately succeeding July 31. The piece explains the survey, the service levels it counts, and the offices its own instructions leave out.
12 CFR § 304.3 · SUMMARY OF DEPOSITS REPORTING INSTRUCTIONS · FDIC OFFICE REGISTER · FDIC INSTITUTION REGISTER
Where Renasant Bank operates
A branch network is a public fact with a date on it: read on September 22, 2026, the register lists 266 offices in six states. The piece maps the network from the register alone and sets the 117 offices acquired on a single day in 2025 against the closings that followed.
FDIC OFFICE REGISTER · FDIC INSTITUTION REGISTER · FDIC STRUCTURE REGISTER
The System
The System reads the rules the institutions sit inside: which agency decides a merger, and which obligations begin at which round number. Its documents are 12 U.S.C. §§ 1828, 1842 and 5365 and 15 U.S.C. § 1693o-2, read at the United States Code, with the registers that place one charter against them.
How a bank merger is approved
Which federal agency approves a bank merger is settled by one line in the statute: what kind of charter the surviving bank is to hold. The piece reads that line at 12 U.S.C. § 1828, follows the parallel holding-company track at § 1842, and places against both a charter that changed class in 2026.
12 U.S.C. § 1828 · 12 U.S.C. § 1842 · FDIC STRUCTURE REGISTER · FORM 8-K
The asset thresholds that change the rules
American banking law changes shape at round numbers: ten billion dollars, one hundred billion, two hundred and fifty billion. The piece reads the three lines in the statutes, measures one holding company against them, and records that the fifty-billion figure was moved rather than deleted.
15 U.S.C. § 1693o-2 · 12 U.S.C. § 5365 · SEC XBRL COMPANY CONCEPT · FDIC INSTITUTION REGISTER