Financial Statements — RNST
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.88 | 1.22 | 1.08 | 1.38 | 1.09 | 1.28 | 0.85 | 0.84 | 0.74 | 0.95 | 0.85 | 0.48 | 1.01 | 1.61 | 1.48 | 1.61 | 1.26 |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 11.57 | 10.93 | 10.44 | 10.15 | 9.85 | 9.98 | 10.52 |
| Total Assets | 27.00 | 27.11 | 26.73 | 26.62 | 18.27 | 17.96 | 17.51 | 17.35 | 17.18 | 17.22 | 17.47 | 16.47 | 16.62 | 16.86 | 16.16 | 16.02 | 15.62 |
| Total Deposits | 21.70 | 22.10 | 21.42 | 21.58 | 14.77 | 14.51 | 14.26 | 14.24 | 14.16 | 14.10 | 13.91 | 13.43 | 13.76 | 13.99 | 13.25 | 13.12 | 12.74 |
| Long-term Debt | 0.80 | 0.50 | 0.56 | 0.56 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.44 | 0.47 | 0.47 | 0.47 |
| Total Liabilities | 23.13 | 23.24 | 22.90 | 22.85 | 15.54 | 15.30 | 15.16 | 15.02 | 14.95 | 15.02 | 15.29 | 14.38 | 14.50 | 14.73 | 13.95 | 13.82 | 13.45 |
| Retained Earnings | 1.33 | 1.26 | 1.14 | 1.10 | 1.12 | 1.06 | 1.01 | 0.98 | 0.94 | 0.91 | 0.89 | 0.82 | 0.79 | 0.76 | 0.72 | 0.69 | 0.66 |
| Total Stockholder Equity | 3.87 | 3.87 | 3.83 | 3.78 | 2.73 | 2.66 | 2.35 | 2.32 | 2.23 | 2.21 | 2.19 | 2.09 | 2.12 | 2.14 | 2.20 | 2.20 | 2.17 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 340.44 | 338.12 | 346.93 | 351.10 | 343.90 | 220.33 | 225.34 | 229.04 | 220.21 | 213.18 | 210.43 | 205.68 | 197.17 | 184.05 | 165.07 | 143.13 | 123.42 | 110.19 | 111.92 | 114.01 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 89.89 | 84.48 | 78.29 | 66.95 | 48.27 | 27.23 | 12.82 | 9.90 | 10.56 | 10.44 | 10.72 |
| Net Interest Income | 222.75 | 223.56 | 227.39 | 223.52 | 218.86 | 134.20 | 132.88 | 131.00 | 125.03 | 123.29 | 125.95 | 127.38 | 130.22 | 135.78 | 137.84 | 130.32 | 113.52 | 99.63 | 101.48 | 103.29 |
| Provision for Credit Losses | 3.80 | 8.08 | 10.94 | 10.45 | 81.32 | 4.75 | 2.60 | 0.94 | 3.30 | 2.44 | 2.52 | 5.32 | 3.00 | 7.96 | 10.49 | 9.80 | 2.00 | 1.50 | (0.47) | (1.20) |
| Non-interest Income | 51.19 | 50.27 | 51.05 | 46.03 | 48.33 | 36.47 | 34.22 | 89.30 | 38.76 | 41.38 | 20.36 | 38.20 | 17.23 | 37.29 | 33.40 | 41.19 | 37.21 | 37.46 | 47.58 | 50.76 |
| Non-interest Expense | 161.50 | 155.33 | 170.68 | 183.83 | 183.20 | 113.95 | 114.75 | 121.98 | 111.98 | 112.91 | 115.08 | 107.67 | 109.17 | 107.71 | 101.58 | 101.57 | 98.19 | 94.11 | 101.12 | 104.00 |
| Pretax Income | 108.64 | 110.42 | 96.83 | 75.27 | 2.67 | 51.97 | 49.75 | 97.38 | 48.51 | 49.32 | 31.91 | 52.60 | 35.28 | 57.40 | 59.16 | 60.13 | 50.54 | 41.48 | 48.42 | 51.25 |
| Tax Provision | 21.55 | 22.20 | 17.89 | 15.48 | 1.65 | 10.45 | 5.01 | 24.92 | 9.67 | 9.91 | 3.79 | 10.77 | 6.63 | 11.32 | 12.89 | 13.56 | 10.86 | 7.94 | 11.36 | 11.19 |
| Net Income | 87.09 | 88.23 | 78.95 | 59.79 | 1.02 | 41.52 | 44.75 | 72.46 | 38.85 | 39.41 | 28.12 | 41.83 | 28.64 | 46.08 | 46.28 | 46.57 | 39.68 | 33.55 | 37.05 | 40.06 |
| Basic EPS | 0.95 | 0.94 | 0.80 | 0.63 | 0.01 | 0.65 | 0.72 | 1.18 | 0.69 | 0.70 | 0.50 | 0.75 | 0.51 | 0.82 | 0.83 | 0.83 | 0.71 | 0.60 | 0.66 | 0.71 |
| Diluted EPS | 0.94 | 0.94 | 0.78 | 0.63 | 0.01 | 0.65 | 0.70 | 1.18 | 0.69 | 0.70 | 0.49 | 0.74 | 0.51 | 0.82 | 0.81 | 0.83 | 0.71 | 0.60 | 0.67 | 0.71 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 82.43 | 100.06 | 107.14 | 135.47 | (77.29) | 106.15 | 92.10 | 21.35 | (49.08) | 65.06 | 100.43 | 79.66 | (24.16) | (7.38) | 110.94 | 113.40 | 143.89 | 205.82 | 52.49 | 40.59 |
| Capital Expenditures | 6.02 | 6.33 | 3.38 | 15.34 | 10.18 | 4.82 | 3.24 | 3.63 | 3.48 | 3.30 | 5.24 | 4.04 | 4.12 | 8.24 | 4.46 | 4.51 | 3.84 | 2.03 | 3.72 | 3.84 |
| Free Cash Flow* | 76.41 | 93.73 | 103.76 | 120.13 | (87.47) | 101.34 | 88.86 | 17.72 | (52.55) | 61.76 | 95.19 | 75.62 | (28.27) | (15.62) | 106.47 | 108.89 | 140.06 | 203.79 | 48.77 | 36.75 |
| Investing Cash Flow | (242.25) | (232.86) | (23.07) | (448.78) | 29.88 | (292.05) | (323.61) | 69.05 | (73.45) | 29.97 | (144.57) | (184.94) | 427.34 | (153.23) | (456.20) | (500.24) | (502.41) | (584.80) | (287.74) | (271.94) |
| Financing Cash Flow | (175.96) | 279.06 | (97.14) | 18.48 | 334.68 | 185.21 | 47.93 | 333.31 | 130.03 | (51.98) | 104.34 | (100.47) | (303.98) | 432.32 | 441.75 | (144.12) | (238.50) | 108.51 | 637.08 | 102.00 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.24 | 0.23 | 0.23 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 |
