Financial insights of RNST

MyFinsight

For the quarter ending 2025-09-30, RNST made $718,982K in revenue. $59,788K in net income. Net profit margin of 8.32%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans	312,785	306,433
Taxable	27,108	24,918
Tax-exempt	3,109	3,490
Other	8,096	9,057
Total interest income	351,098	343,898
Deposits	115,573	111,921
Borrowings	12,005	13,118
Total interest expense	127,578	125,039
Net interest income	223,520	218,859
Provision for credit losses on loans	9,650	75,400
Provision for (recovery of) credit losses on unfunded commitments	800	5,922
Provision for credit losses	10,450	81,322
Net interest income after provision for credit losses	213,070	137,537
Service charges on deposit accounts	13,416	13,618
Fees and commissions	4,167	6,650
Insurance commissions	0	0
Wealth management revenue	8,217	7,345
Mortgage banking income	9,017	11,263
Gain on sale of insurance agency	0	-
Gain on debt extinguishment	0	0
Boli income	4,235	3,383
Other	6,974	6,075
Total noninterest income	46,026	48,334
Salaries and employee benefits	98,982	99,542
Data processing	5,541	5,438
Net occupancy and equipment	18,415	17,359
Other real estate owned	328	157
Professional fees	3,435	4,223
Advertising and public relations	5,254	4,490
Intangible amortization	8,674	8,884
Communications	3,955	3,184
Merger and conversion related expenses	17,494	20,479
Other	21,752	19,448
Total noninterest expense	183,830	183,204
Income (loss) before income taxes	75,266	2,667
Income taxes	15,478	1,649
Net income (loss)	59,788	1,018

Average common shares outstanding (in shares)	94,623,551	94,580,927
Average common shares outstanding - diluted (in shares)	95,284,603	95,136,160
Basic earnings per share (in usd per share)	0.63	0.01
Diluted earnings per share (in usd per share)	0.63	0.01