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Renasant Community Foundation EIN 47-1034581 Form 990 (PDF) Claim this org

Renasant Community Foundation

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Funds community projects for 24 charities, with grants from $1,000 to $10,000. For fiscal year 2025 it reported $280K in revenue, $255K in expenses, and $83K in net assets.Pt I

Founded
2014
Type
Public charity (501(c)(3)) · Community Development
Location
Tupelo, MS
Website
www.renasantfoundation.com
Filings
6 on file (2020–2025)
Revenue
$280KFY2025
Expenses
$255K
Net assets
$83K
People
17
Filings
6
Updates
0
More identity details & actions ⌄
EIN  47-1034581 Public charity (501(c)(3)) Tupelo, MS Founded 2014
Form 990 (PDF)
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Size
$100K–1M
What they do
Funds community projects for 24 charities, with grants from $1,000 to $10,000.
Leadership
Carole Gardner · Director
Money in and out
$280K revenue, $255K expenses
Bottom line
100% program efficiency
Where the money goes · FY2025
Total revenue
$280K
Pt VIII · Ln 12
Total expenses
$255K
Pt IX · Ln 25
Net assets
$83K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $25K
Where spending went · Part IX cols B–D
Program services $1.00 Management & general $0.00
Program efficiency
100%
of spending reaches programs▲ +4% vs prior filing year
Operating runway
3.9mo
months of highly liquid reserves at operating expense rate▲ +56% vs prior filing year
Surplus margin
+9%
revenue over expenses, this year▲ +598% vs prior filing year

Summary of the Filing

Part I · fiscal year 2025 · Form 990
Revenue
$280K
FY2025▼ -3%
Expenses
$255K
FY2025▼ -10%
Total assets
$83K
FY2025▲ +42%
Total liabilities
$0
FY2025
Total revenue
$280K
Pt VIII · Ln 12
Total expenses
$255K
Pt IX · Ln 25
Net assets
$83K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$25K
Total assetsPt X · Ln 16$83K
Program-expense ratioPt IX · col B100%
Voting members of governing bodyPt I · Ln 317
Independent voting membersPt I · Ln 417

Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CRenasant Community Foundation
EINHdr · item D47-1034581
Principal addressHdr · item CTupelo, MS
WebsiteHdr · item Jwww.renasantfoundation.com
Year of formationHdr · item L2014
State of legal domicileHdr · item MMS
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFCommunity Development (S20)
Ruling yearIRS BMFJul 2014

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a17
Independent voting membersPt VI · Ln 1b17
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14Yes
CEO/top-official compensation independently reviewedPt VI · Ln 15aYes
Family or business relationships among officers/directorsPt VI · Ln 2Yes

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
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Mission & Programs · Part III

Where the work happens

1 program service account for $255K of program spending, described in the organization's own filed words · FY2025.
01

The Renasant Community Foundation (RCF) is a 501(c)(3) that provides support for nonprofit organizations focused on making a difference in the lives of people in its communities.

$255Kprogram expense

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Statement of Revenue

Part VIII
Contributions & grants100%$280K
Total revenueLn 12$280K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $1.00 Management & general $0.00
Program services100%$255K
Management & general$80
Total functional expensesLn 25$255K

Balance Sheet

Part X · end of year
CashLn 1$83K
Total assetsLn 16$83K
Total liabilitiesLn 26$0
Total net assetsLn 32$83K
Months of cash on handcomputed3.9

Financial Metrics

Form 990 · FY2025 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $83K · Operating expenses/yr $255K
3.9 months
Where the money goes
Program services
Program services $255K · Total expenses $255K
100%
Management & General
Management & general $80 · Total expenses $255K
0.03%
Fundraising
Fundraising $0 · Total expenses $255K
0%
Cost to raise $1
Fundraising expense (3-yr avg) $0 · Solicited contributions (3-yr avg) $214K
Solicited contributions below reporting floor
Where the money comes from
Contribution dependence
Contributions & grants $280K · Total revenue $280K
100%
Government reliance
Government grants — · Total revenue $280K
—
Earned-income share
Program service revenue $0 · Total revenue $280K
0%
Investment reliance
Investment income $0 · Total revenue $280K
0%
Program self-sufficiency
Program service revenue $0 · Total expenses $255K
0%
Growth & trend
Revenue growth (YoY)
This year $280K · Prior year $288K
-3%
Revenue CAGR
FY2020 $106K · FY2025 $280K
+21%
Net-asset trend (YoY)
End of year $83K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $280K · Expenses $255K
+9%
Liabilities-to-Assets
Total liabilities — · Total assets $83K
—
Net-asset ratio
Net assets $83K · Total assets $83K
100%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) $0 · Other securities (Pt X, ln 12) $0 · Total assets (Pt X, ln 16) $83K
0%
People & payroll
Highest Reported Total Compensation
Individual Carole Gardner · Reported title Director · Highest reported compensation $0 · Total expenses $255K
0%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $0 · Total expenses $255K
0%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 100%——
Overhead ratio 0.03%——
Revenue growth -3%——

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · received and paid
Grants received · FY2023
Pinebelt FoundationFY2023$40K
Total grants receivedfrom 1 funder$40K
Grants paid · 15 grants · $122K · 2020–2024
Unitemized GrantFY2024$24,250
United Food Force INCGA · FY2021$7,089
River Refuge International INCGA · FY2021$7,089
Operation Lunchbox INCGA · FY2021$7,089
Morrow First United MethodistFY2021$7,089
Midwest Food Bank Nfp INCIL · FY2021$7,089
Good Shepherd Clinic INCGA · FY2021$7,089
Crosswalk Christian ChurchNC · FY2021$7,089
Community Outreach in ActionGA · FY2021$7,089
Hands of Hope Clinic INCGA · FY2021$6,254
Gigis House INCGA · FY2021$5,856
Wish You Well Youth Faith FoundationGA · FY2021$5,462
Community Outreach in ActionGA · FY2020$10,000
Operation Lunchbox INCGA · FY2020$7,500
Crosswalk Ministries USA INCGA · FY2020$6,211

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2025 (Latest)$280K revenue · viewing · ⤓ 990 PDF
FY2024$288K revenue · ⤓ 990 PDF
FY2023$75K revenue · ⤓ 990 PDF
FY2022$43K revenue · ⤓ 990 PDF
FY2021$112K revenue · ⤓ 990 PDF
FY2020$106K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2025IRS
Classification, formation year, addressIRS Business Master File
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