Annual Report of Employee Stock Plans (11-k)

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 11-K

(Mark One)
[ü]			Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2019
			Or
[X]			Transition Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the transition period from ____ to ____

Commission file number 001-13253

A. Full title of the plan and the address of the plan, if different from that of the issuer named below:
RENASANT BANK 401(k) PLAN

B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:
RENASANT CORPORATION
209 Troy Street
Tupelo, MS 38804-4827

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Renasant Bank 401(k) Plan

Form 11-K

For the Year Ended December 31, 2019

CONTENTS

			Page
Report of Independent Registered Public Accounting Firm			1
Financial Statements
Statements of Net Assets Available for Benefits			2
Statements of Changes in Net Assets Available for Benefits			3
Notes to Financial Statements			4
Supplemental Schedule
Schedule H, Line 4i ‑ Schedule of Assets (Held at End of Year)			10
Signatures			15
Exhibit Index			16

All other schedules required by Section 2520.103-10 of the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974 have been omitted because they are not applicable.

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Audit Committee, Plan Administrator, and Plan Participants of the Renasant Bank 401(k) Plan

Opinion on the Financial Statements

We have audited the accompanying statements of net assets available for benefits of Renasant Bank 401(k) Plan (the “Plan”) as of December 31, 2019 and 2018, the related statements of changes in net assets available for benefits for the years ended December 31, 2019 and 2018, and the related notes to the financial statements (collectively, “the financial statements”). In our opinion, the financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2019 and 2018, and the changes in net assets available for benefits for the years ended December 31, 2019 and 2018, in conformity with accounting principles generally accepted in the United States of America.

Basis for Opinion

These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on the Plan’s financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (“PCAOB”) and are required to be independent with respect to the Plan in accordance with U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

Report on Supplemental Information

The supplemental information in the accompanying Schedule of Assets (Held at End of Year) as of December 31, 2019, has been subjected to audit procedures performed in conjunction with the audit of the Plan's financial statements. The supplemental information is presented for the purpose of additional analysis and is not a required part of the financial statements but includes supplemental information required by the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. The supplemental information is the responsibility of the Plan's management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information in the accompanying schedule, we evaluated whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information in the accompanying schedule is fairly stated in all material respects in relation to the financial statements as a whole.

/s/ HORNE LLP

We have served as the Plan's auditor since 2005.

Memphis, Tennessee

June 26, 2020

1

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Renasant Bank 401(k) Plan

Statements of Net Assets Available for Benefits

(In Thousands)

			December 31,
			2019			2018
Assets
Investments, at fair value
Mutual funds			$	87,572		$	64,247
Separately managed accounts			108,286			83,775
Renasant Corporation common stock			29,722			24,295
Total investments			225,580			172,317
Receivables
Company contributions			9,138			7,377
Participant contributions			109			—
Notes receivable from participants			2,908			2,643
Total receivables			12,155			10,020
Total assets			$	237,735		$	182,337
Net assets available for benefits			$	237,735		$	182,337

See Notes to Financial Statements.

2

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Renasant Bank 401(k) Plan

Statements of Changes in Net Assets Available for Benefits

(In Thousands)

			Year Ended December 31,
			2019			2018
Investment income
Interest			$	160		$	136
Dividends			3,289			3,490
Net appreciation (depreciation) in fair value of investments			33,946			(21,084)
Other income (loss)			10			(2)
Total investment income (loss)			37,405			(17,460)
Contributions
Company			15,476			12,658
Participants			11,165			9,116
Rollovers			6,249			4,711
Other			—			146
Total contributions			32,890			26,631
Deductions
Benefits paid to participants			14,886			11,097
Corrective distributions			—			1
Administrative expenses and fees			11			10
Total deductions			14,897			11,108
Net increase (decrease) in net assets available for benefits			55,398			(1,937)
Net assets available for benefits:
Beginning of year			182,337			184,274
End of year			$	237,735		$	182,337

See Notes to Financial Statements.

3

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Renasant Bank 401(k) Plan

Notes to Financial Statements

Note A – Description of Plan

This description of The Renasant Bank 401(k) Plan (the “Plan”) is provided for general information purposes only. Participants should refer to the Plan document for more complete information.

General: The Plan is a defined contribution plan and is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). The Plan covers substantially all employees of Renasant Bank (the “Bank”) and its parent company, Renasant Corporation (the “Company”), as well as all employees of the Company's wholly-owned subsidiary, Renasant Insurance, Inc. The Plan was amended effective January 1, 2017 to be a “safe harbor” arrangement within the meaning of Section 401(k)(13) of the Internal Revenue Code of 1986, as amended.

Eligibility: Common law employees, other than employees subject to a collective bargaining agreement, non-resident aliens and temporary and seasonal workers, are immediately eligible to participate in the Plan.

Contributions: Participants may voluntarily defer compensation up to applicable IRS limits, as defined in the Plan document. Any deferrals in excess of applicable IRS limits are distributed to the participant in accordance with the terms of the Plan and are included in the line item “Corrective distributions” in the Statements of Changes in Net Assets Available for Benefits. Participants may also rollover distributions from other qualified retirement plans, subject to the approval of the Plan administrator.

Provisions of the Plan allow participants who were age 50 years or older during the calendar year to make catch-up contributions to the Plan. Catch-up contributions represent participant compensation deferrals in excess of regular plan and statutory limits.

The Bank matches 100% of each eligible participant’s voluntary deferrals, including catch-up contributions, up to 4% of compensation. The Bank also makes nondiscretionary profit sharing contributions for eligible participants equal to 5% of his or her eligible compensation and 5% of compensation in excess of the current Social Security wage base.

Participant Accounts; Allocations: The Plan maintains one or more accounts for each participant, including a money purchase account for participants in a predecessor plan - The Peoples Bank & Trust Company Money Purchase Plan - and an ESOP account for those participants who previously participated in the Renasant Bank Employee Stock Ownership Plan. Deferrals and rollover contributions are allocated to their respective accounts when made. Profit sharing contributions are made and allocated to their respective accounts at the end of the Plan year for those participants who (a) are employed on the last day of the Plan Year and are credited with 1,000 hours of service during such year, (b) die or become disabled during the Plan Year, or (c) reach their early retirement date or normal retirement date, whether or not employed on the last date of the Plan Year. No additional contributions are allocated to money purchase accounts or ESOP accounts.

Investments: Participants direct the investment of their accounts in an ERISA Section 404(c) arrangement. Earnings are allocated to accounts each business day. The Plan allows participants to invest in common stock of the Bank's parent company - Renasant Corporation (“Employer Stock”). Particpants may elect annually whether cash dividends paid on Employer Stock will be re-invested in additional shares of Employer Stock within the individual participant's account or be paid to the participant in cash.

Vesting: Participants are fully vested in deferrals and rollovers and earnings allocable to such contributions. Matching contributions made prior to January 1, 2017 and nondiscretionary profit sharing contributions vest under a six-year graduated schedule as presented below:

4

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Renasant Bank 401(k) Plan

Notes to Financial Statements

Note A – Description of Plan (continued)

Years of Service			Vested %
Less than two			0		%
Two, but less than three			20		%
Three, but less than four			40		%
Four, but less than five			60		%
Five, but less than six			80		%
Six or more			100		%

Safe harbor matching contributions made after January 1, 2017, vest 100% after two years of service.

Forfeitures: Forfeitures of non-vested contributions are used to reduce future employer contributions. There were forfeitures used in the amount of $803,934 and $959,645 for the years ended December 31, 2019 and 2018, respectively.

Benefits: Benefits are equal to the vested value of each participant’s accounts. Upon termination of service, benefits are paid in the form of a single sum, except those amounts allocable to a participant’s money purchase account, which are paid in the form of an annuity, unless a participant otherwise elects.

Administrative Expenses: Processing fees of the Plan are charged against the individual participant account balance that was responsible for the expense. Administrative expenses are paid by the Plan or may be paid by the Employer at the Employer's discretion.

Notes Receivable from Participants: Participants may borrow from their fund accounts up to a maximum equal to the lesser of $50,000 or 50% of their vested account balance. Loan terms range from one to five years, unless the loan is for the purchase of a principal residence. The loans are secured by the balance in the participant's accounts and bear interest at 1% over the Prime Rate published in the Wall Street Journal on the first business day of the month before the loan is originated. At December 31, 2019, the Prime Rate was 4.75%. The interest rate is fixed for the life of the loan. Principal and interest are paid ratably through payroll deductions.

Note B – Summary of Significant Accounting Policies

Basis of Accounting: The Plan's financial statements are prepared using the accrual basis of accounting, with the exception of the payment of benefits, which are recognized as a reduction in the net assets available for benefits of the Plan as they are disbursed to participants.

Use of Estimates: The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires the Plan administrator to make estimates and assumptions that affect certain reported amounts and disclosures. Accordingly, actual results may differ from those estimates.

Investment Valuation and Income Recognition: Investments are reported at fair value. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an arms-length transaction between market participants at the measurement date. Refer to Note G, “Fair Value Measurements,” for a discussion of the methods and assumptions used by the Plan to estimate the fair values of the Plan’s investments. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net appreciation (depreciation) in the fair value of investments, as recorded in the Statements of Changes in Net Assets Available for Benefits, includes changes in the fair value of investments acquired, sold or held during the year.

5

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Renasant Bank 401(k) Plan

Notes to Financial Statements

Notes Receivable from Participants: Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Delinquent notes are reclassified as distributions based upon applicable law and are included in the Statements of Changes in Net Assets Available for Benefits under the line item “Deemed distributions.”

Subsequent Events: The Plan has evaluated, for consideration of recognition or disclosure, subsequent events that have occurred after December 31, 2019 through the date of issuance of its financial statements.

As a result of the spread of COVID-19 coronavirus, economic uncertainties have arisen which have resulted in significant volatility in the investment markets, resulting in a substantial decline in the value of the investments. The duration of these uncertainties and the ultimate financial effects cannot be reasonably estimated at this time.

No other significant events occurred prior to the issuance of these financial statements that would have a material impact on its financial statements.

Impact of Recently-Issued Accounting Standards and Pronouncements: In February 2017, the FASB issued ASU 2017-06, “Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), Health and Welfare Benefit Plans (Topic 965) - Employee Benefit Plan Master Trust Reporting.” ASU 2017-06 applies to the financial statements of an employee benefit plan that has some or all of its assets in a master trust and addresses the way an employee benefit plan reports its interest in a master trust. Additionally the standard changes certain footnote disclosures related to the investments, other assets and liabilities of the master trust. ASU 2017-06 was effective beginning with the 2019 Plan Year, and the adoption of the provisions of ASU 2017-06 did not impact the Plan’s financial statements.

In August 2018, the FASB issued ASU 2018-13, “Fair Value Measurement (Topic 820).” ASU 2018-13 is intended to improve the disclosures on fair value measurements by eliminating, amending and adding certain disclosure requirements. These changes are intended to reduce costs for preparers while providing more useful information for financial statement users. ASU 2018-13 will be effective beginning with the 2020 Plan Year, and is not expected to have a material impact on the Plan's financial statements.

Reclassification: Certain amounts in the 2018 financials statements have been reclassified to conform to the presentation in the 2019 financials statements with no impact on previously reported net assets available for benefits or changes in net asset available for benefits.

Note C – Related Party Transactions

Renasant Bank sponsors the Plan. Common stock of the Bank's parent company - Renasant Corporation - is one of the investment options in the Plan. Renasant Bank is the trustee of the Plan. Great-West Life & Annuity Insurance Company and related subsidiaries are third party administrators of the Plan. Transactions between the Plan and these entities constitute exempt party-in-interest transactions.

Certain of the Plan’s investments are managed funds consisting of mutual funds aggregated specifically for the investment option of participants in the Plan. Although these funds bear the name of Renasant Bank, they do not consist of shares of the Company, and the underlying mutual funds are not proprietary to the Company.

Note D – Risks and Uncertainties

The Plan invests in various investment securities. Investment securities are exposed to various risks such as interest rate, market and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participants' account balances and the amounts reported in the Statements of Net Assets Available for Benefits.

6

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Renasant Bank 401(k) Plan

Notes to Financial Statements

Note E – Tax Status

The Plan obtained its latest determination letter on July 27, 2017, in which the Internal Revenue Service stated that the Plan was in compliance with the applicable requirements of the Internal Revenue Code. The Plan sponsor believes the Plan is currently designed and being operated in compliance with the applicable requirements of the Internal Revenue Code. Therefore, no provision for income taxes has been included in the Plan's financial statements.

Note F – Plan Termination

Although it has not expressed any intent to do so, the Company has the right at any time to terminate the Plan, in whole or in part, subject to the provisions of ERISA. In the event of Plan termination, affected participants will become 100% vested in their accounts.

Note G – Fair Value Measurements

(In Thousands)

Financial Accounting Standards Board Accounting Standards Codification Topic 820, “Fair Value Measurements,” provides guidance for using fair value to measure assets and liabilities and also establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to a valuation based on quoted prices in active markets for identical assets and liabilities (Level 1), moderate priority to a valuation based on quoted prices in active markets for similar assets and liabilities and/or based on assumptions that are observable in the market (Level 2), and the lowest priority to a valuation based on assumptions that are not observable in the market (Level 3).

The following methods and assumptions are used by the Plan to estimate the fair values of the Plan’s financial instruments on a recurring basis:

Mutual funds: These investments are valued using the Net Asset Value (NAV) provided by the administrator of the fund. The NAV is based on the value of the underlying assets owned by the fund, minus its liabilities, and then divided by the number of shares outstanding. Mutual funds held by the Plan are open-end mutual funds that are registered with the Securities and Exchange Commission. These funds are required to publish their daily NAV and transact at that price. The mutual funds held by the Plan are deemed to be actively traded. (Level 1)

Separately managed accounts: The initial pricing inputs are the quoted share prices obtained for the underlying mutual funds. (Level 1)

Renasant Corporation common stock: The Company’s common stock is traded on the NASDAQ Global Select Market and is valued using the closing price on the last day of the Plan year. (Level 1)

The following table presents the Plan’s financial instruments that are measured at fair value on a recurring basis at December 31, 2019 and 2018:

7

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Renasant Bank 401(k) Plan

Notes to Financial Statements

			Quoted Prices in Active Markets for Identical Assets
			(Level 1)						Totals
December 31, 2019
Mutual funds			$	87,572					$	87,572
Separately managed accounts			108,286						108,286
Renasant Corporation common stock			29,722						29,722
Total investments			$	225,580					$	225,580
December 31, 2018
Mutual funds			$	64,247					$	64,247
Separately managed accounts			83,775						83,775
Renasant Corporation common stock			24,295						24,295
Total investments			$	172,317					$	172,317

Transfers between levels of the fair value hierarchy are reported at the beginning of the reporting period in which they occur.

Note H – Mergers and Acquisitions

Effective September 1, 2018, the Company completed its acquisition of Brand Group Holdings, Inc. (“Brand”). In connection with the merger, the Brand Bank 401(k) Plan was terminated. Participants in the Brand Bank 401(k) Plan (the “Brand Plan”) who continued employment with the Company were allowed to roll over their account balances from the Brand Plan into the Renasant Bank 401(k) Plan upon receipt of favorable determination determination letter from the IRS, which was received on April 18, 2019.

Effective July 1, 2017, the Company completed its acquisition of Metropolitan BancGroup, Inc. (“Metropolitan”). In connection with the merger, the Metropolitan Bank 401(k) Plan was terminated. Participants in the Metropolitan Bank 401(k) Plan (the “Metropolitan Plan”) who continued employment with the Company were allowed to roll over their account balances from the Metropolitan Plan to the Renasant Bank 401(k) Plan upon receipt of favorable determination as to the Metropolitan Plan's tax-qualified status from the IRS, which was received on June 27, 2018. Rollovers were completed during the 2018 Plan year, and as of December 31, 2018, the Metropolitan Plan contained no assets.

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SUPPLEMENTAL SCHEDULE

9

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RENASANT BANK

401(k) Plan

Employer Identification Number 64-0220550

Schedule H, Line 4i – Schedule of Assets (Held At End of Year)

December 31, 2019

(In Thousands)

(a)

(b) Identity of issuer, borrower, lessor or similar party

(c) Description of investment including maturity date, rate of interest, collateral, par, or maturity value

(d) Cost

(e) Current Value

Equity and fixed income mutual funds

MFS

Mid Cap Value R6

***

$

2,176

JP Morgan

Hedged Equity R6

***

533

JP Morgan

Undiscovered MGRS Behavioral Value L

***

1,263

Vanguard

Large Cap Index Admiral

***

4,096

Vanguard

Mid Cap Index Admiral

***

3,154

Vanguard

Small Cap Index Fund Admiral

***

4,533

Vanguard

Total Stock MRK Index Admiral

***

13,447

Vanguard

Developed Markets Index Admiral

***

3,293

JP Morgan

Growth Advantage R6

***

8,053

JP Morgan

Large Cap Value R6

***

4,243

**

Federated

Total Return Bond R6

***

305

Oppenheimer

International Small Co YOSMYX

***

5,021

Vanguard

Total Intl Stock Index Admiral

***

22

Mass Mutual

Select Mid Cap Growth I

***

4,776

T. Rowe Price

Blue Chip Growth

***

6,277

T. Rowe Price

QM US Small-Cap Growth

***

4,945

Baird

Core Plus Bond Institutional

***

1,049

**

Federated

Institutional High Yield Bond R6

***

1,991

Metropolitan West

Total Return Bond - I

***

4,662

**

Federated

Government Obligation Premier

***

12,564

John Hancock

International Growth R6

***

173

T. Rowe Price

Emerging Markets Stock I

***

245

Hartford

Dividend and Growth R6

***

751

87,572

Separately managed accounts (fund of funds)

*/**

Renasant Bank Income Fund:

Baird

Core Plus Bond Institutional

***

813

Federated

Total Return Bond R6

***

850

Federated

High Yield Trust Institutional

***

432

Federated

Government Obligation Premier

***

1,912

First Eagle

Global I

***

95

Hartford

Dividend & Growth R6

***

95

Hartford

International Value R6

***

72

Mass Mutual

Premier Inflation Protected

***

239

Mass Mutual

Select Mcg Eq II I

***

191

Metropolitan West

Total Return Bond I

***

814

10

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RENASANT BANK

401(k) Plan

Employer Identification Number 64-0220550

Schedule H, Line 4i – Schedule of Assets (Held At End of Year)

December 31, 2019

(In Thousands)

(a)

(b) Identity of issuer, borrower, lessor or similar party

(c) Description of investment including maturity date, rate of interest, collateral, par, or maturity value

(d) Cost

(e) Current Value

MFS

Mid Cap Value R6

***

191

Oppenheimer

International Small-Mid Company

***

95

Pear Tree

Polaris Foreign Value R6

***

72

Pimco

Income Institutional

***

1,065

T. Rowe Price

Blue Chip Growth Inv

***

143

T. Rowe Price

Emerging Markets Stock I

***

95

T. Rowe Price

QM US Small Cap Growth Equity

***

286

T. Rowe Price

Institutional Emerging Markets

***

96

John Hancock

International Growth R6

***

143

JP Morgan

Global Bond Opportunities R6

***

477

JP Morgan

Growth Advantage R6

***

143

JP Morgan

Undiscovered Mgrs Behavioral

***

382

JP Morgan

Equity Income

***

96

JP Morgan

Hedged Equity R6

***

96

Vangaurd

Real Estate Index Admiral

***

95

Vanguard

Large Cap Index Admiral Class

***

382

Vanguard

Developed Markets Index Admiral Class

***

191

Total Renasant Bank Income Fund

9,561

*/**

Renasant Bank Conservative Growth Plan:

Baird

Core Plus Bond Institutional

***

3,404

Federated

Total Return Bond R6

***

3,561

Federated

Government Obligation Premier

***

7,978

Federated

High Yield Trust International

***

2,287

First Eagle

Global I

***

1,138

Hartford

Dividend & Growth R6

***

854

Hartford

International Value R6

***

598

John Hancock

International Growth R6

***

1,195

JP Morgan

Growth Advantage R6

***

854

JP Morgan

Global Bond Opportunities R6

***

2,846

JP Morgan

Undiscovered Mgrs Behavioral

***

2,846

JP Morgan

Equity Income

***

854

JP Morgan

Hedged Equity R6

***

1,138

MFS

Mid Cap Value R6

***

1,707

Mass Mutual

Select MCG Eq II I

***

1,707

Mass Mutual

Premier Inflation Protected

***

1,138

Metropolitan West

Total Return Bond I

***

3,411

Oppenheimer

International Small-Mid Company

***

1,708

11

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RENASANT BANK

401(k) Plan

Employer Identification Number 64-0220550

Schedule H, Line 4i – Schedule of Assets (Held At End of Year)

December 31, 2019

(In Thousands)

(a)

(b) Identity of issuer, borrower, lessor or similar party

(c) Description of investment including maturity date, rate of interest, collateral, par, or maturity value

(d) Cost

(e) Current Value

Pear Tree

Polaris Foreign Value R6

***

598

Pimco

Income Institutional

***

4,460

T. Rowe Price

Blue Chip Growth Investor

***

854

T. Rowe Price

QM US Small Cap Growth Equity

***

2,277

T. Rowe Price

Emerging Markets Stock I

***

1,707

T. Rowe Price

Institutional Emerging Markets

***

572

Vanguard

Real Estate Index Admiral

***

1,138

Vanguard

Large Cap Index Admiral Class

***

4,553

Vanguard

Developed Markets Index Admiral Class

***

1,594

Total Renasant Bank Conservative Growth Plan

56,977

*/**

Renasant Bank Moderate Growth Plan:

Baird

Core Plus Bond Institutional

***

511

Federated

High Yield Trust Institutional

***

773

Federated

Government Obligation Premier

***

1,368

First Eagle

Global I

***

513

John Hancock

International Growth R6

***

513

Hartford

Dividend & Growth R6

***

376

Hartford

International Value R6

***

256

JP Morgan

Equity Income

***

376

JP Morgan

Growth Advantage R6

***

376

JP Morgan

Global Bond Opportunities R6

***

854

JP Morgan

Hedged Equity R6

***

513

Mass Mutual

Select Mid Cap Growth Fund I

***

683

Mass Mutual

Premier Inflation Protected

***

256

Metropolitan West

Total Return Bond I

***

512

MFS

Mid Cap Value R6

***

854

Federated

Total Return Bond R6

***

534

Oppenheimer

International Small-Mid Company

***

683

Pear Tree

Polaris Foreign Value R6

***

256

Pimco

Income Institutional

***

669

T. Rowe Price

Blue Chip Growth Investor

***

376

T. Rowe Price

QM US Small Cap Growth Equity

***

683

T. Rowe Price

Emerging Markets Stock I

***

683

T. Rowe Price

Institutional Emerging Markets

***

343

JP Morgan

Undiscovered Managers Behavioral Value

***

1,025

Vanguard

Real Estate Index Admiral

***

513

Vanguard

Large Cap Index Admiral Class

***

1,913

12

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RENASANT BANK

401(k) Plan

Employer Identification Number 64-0220550

Schedule H, Line 4i – Schedule of Assets (Held At End of Year)

December 31, 2019

(In Thousands)

(a)

(b) Identity of issuer, borrower, lessor or similar party

(c) Description of investment including maturity date, rate of interest, collateral, par, or maturity value

(d) Cost

(e) Current Value

Vanguard

Developed Markets Index Admiral Class

***

683

Total Renasant Bank Moderate Growth Plan

17,095

*/**

Renasant Bank Growth Plan:

Baird

Core Plus Bond Institutional

***

233

Federated

High Yield Trust Institutional

***

452

Federated

Government Obligation Premier

***

676

First Eagle

Global I

***

225

John Hancock

International Growth R6

***

405

Hartford

Dividend & Growth R6

***

281

Hartford

International Value R6

***

203

JP Morgan

Equity Income

***

281

JP Morgan

Growth Advantage R6

***

225

JP Morgan

Global Bond Opportunities R6

***

450

JP Morgan

Hedged Equity R6

***

450

Mass Mutual

Select Mid Cap Growth Fund I

***

450

Mass Mutual

Premier Inflation Protected

***

113

Metropolitan West

Total Return Bond I

***

233

MFS

Mid Cap Value R6

***

562

Federated

Total Return Bond R6

***

244

Oppenheimer

International Small-Mid Company

***

450

Pear Tree

Polaris Foreign Value R6

***

202

Pimco

Income Institutional

***

305

T. Rowe Price

Blue Chip Growth Investor

***

225

T. Rowe Price

QM US Small Cap Growth Equity

***

675

T. Rowe Price

Emerging Markets Stock I

***

675

T. Rowe Price

Institutional Emerging Markets

***

113

JP Morgan

Undiscovered Managers Behavioral Value

***

787

Vanguard

Real Estate Index Admiral

***

450

Vanguard

Large Cap Index Admiral Class

***

1,350

Vanguard

Developed Markets Index Admiral Class

***

540

Total Renasant Bank Growth Plan

11,255

*/**

Renasant Bank Aggressive Growth Plan:

Baird

Core Plus Bond Institutional

***

123

Federated

High Yield Trust Institutional

***

404

Federated

Government Obligation Premier

***

670

First Eagle

Global I

***

134

13

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RENASANT BANK

401(k) Plan

Employer Identification Number 64-0220550

Schedule H, Line 4i – Schedule of Assets (Held At End of Year)

December 31, 2019

(In Thousands)

(a)

(b) Identity of issuer, borrower, lessor or similar party

(c) Description of investment including maturity date, rate of interest, collateral, par, or maturity value

(d) Cost

(e) Current Value

John Hancock

International Growth R6

***

522

Hartford

Dividend & Growth R6

***

355

Hartford

International Value R6

***

261

JP Morgan

Equity Income

***

355

JP Morgan

Growth Advantage R6

***

288

JP Morgan

Global Bond Opportunities R6

***

268

JP Morgan

Hedged Equity R6

***

536

Mass Mutual

Select Mid Cap Growth Fund I

***

536

Mass Mutual

Premier Inflation Protected

***

134

Metropolitan West

Total Return Bond I

***

123

MFS

Mid Cap Value R6

***

670

Federated

Total Return Bond R6

***

129

Oppenheimer

International Small-Mid Company

***

671

Pear Tree

Polaris Foreign Value R6

***

261

Pimco

Income Institutional

***

161

T. Rowe Price

Blue Chip Growth Investor

***

288

T. Rowe Price

QM US Small Cap Growth Equity

***

1,071

T. Rowe Price

Emerging Markets Stock I

***

1,205

T. Rowe Price

Institutional Emerging Markets

***

135

JP Morgan

Undiscovered Managers Behavioral Value

***

1,071

Vanguard

Real Estate Index Admiral

***

536

Vanguard

Large Cap Index Admiral Class

***

1,795

Vanguard

Developed Markets Index Admiral Class

***

696

Total Renasant Bank Aggressive Growth Plan

13,398

Total Separately managed accounts (fund of funds)

$

108,286

Common stock fund

**

Renasant Corporation

Common Stock

***

$

29,722

Notes receivable

**

Company Contributions

Company's annual matching and nondiscretionary contribution

***

$

9,138

**

Participant Contributions

Participant contributions made in 2020 earned in 2019

***

$

109

**

Notes Receivable from Participants

Range of interest rates from 3.50% to 6.50% with maturity dates through 2028

***

$

2,908

Total assets (held at end of year)

$

237,735

*  Asset allocation plan administered by Renasant Trust Division-not a registered equity mutual fund under the Investment Company Act of 1940.

**  Denotes party-in-interest.

*** Cost information has been omitted for participant-directed investments.

14

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SIGNATURE

The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this Annual Report on Form 11-K to be signed on its behalf by the undersigned hereunto duly authorized.

RENASANT BANK 401(k) PLAN

Date:

June 26, 2020

by:

/s/ Hollis Ray Smith

Hollis Ray Smith

Executive Vice President and

Human Resources Director

15

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EXHIBIT INDEX

 

Exhibit Number						Description
23.1						Consent of Independent Registered Public Accounting Firm

16