On the company’s fourth-quarter earnings call, management emphasized progress on systems conversion and cost reduction efforts, while outlining expectations for expenses, loan growth, margin performance, and capital deployment heading into 2026. Management said adjusted total cost of deposits declined 11 basis points to 1.97%, while adjusted loan yields fell 12 basis points to 6.11%. Non-interest income was $51.1 million, up $5.1 million linked quarter, including $2 million tied to exiting certain Low-Income Housing Tax Credit partnerships. Loan growth, deposit trends, and the $117 million loan saleLoans increased $21.5 million linked quarter, which the company described as 0.4% annualized. During the quarter, Renasant sold approximately $117 million of loans acquired from The First that management said were not considered core.