Hopkinsville, KY · Cert 34254 · Planters Financial Group Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
85
Profitability
42
Liquidity
91
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hopkinsville, KY · Cert 34254 · Planters Financial Group Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 23.3% share · #1 of 19 inst. · $1.4B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.92% | 1.07% | 1.08% | 1.09% | 1.17% | 1.25% | 1.28% | +20 bps | |
| Return on Equity | 8.25% | 8.83% | 9.90% | 9.91% | 9.84% | 10.44% | 10.73% | 10.93% | +102 bps | |
| Net Interest Margin | 2.40% | 2.49% | 2.84% | 2.91% | 2.88% | 2.91% | 3.08% | 3.07% | +16 bps | |
| Efficiency Ratio | 57.79% | 56.85% | 53.08% | 52.46% | 52.44% | 51.25% | 51.17% | 51.14% | -132 bps | |
| Non-Interest Burden | 1.23% | 1.28% | 1.34% | 1.35% | 1.34% | 1.32% | 1.39% | 1.38% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.26% | 4.22% | 3.61% | 3.11% | 3.11% | 5.38% | 3.54% | 4.01% | +90 bps | |
| Loan Growth (YoY) | 9.60% | 5.40% | 2.62% | -0.35% | -1.92% | -5.94% | -5.96% | -3.21% | -286 bps | |
| Deposit Growth (YoY) | 10.05% | 4.93% | 6.00% | 6.61% | 6.19% | 8.06% | 6.21% | 5.11% | -149 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.10% | 0.10% | 0.08% | 1.28% | 0.09% | 0.07% | 0.11% | +3 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.08% | 0.01% | 0.00% | 0.01% | 0.18% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 1.19% | 1.25% | 1.28% | 1.33% | 1.39% | 1.36% | 1.38% | 1.38% | +5 bps | |
| Allowance Coverage of NPLs | 14.1x | 12.1x | 13.4x | 16.9x | 1.1x | 15.7x | 20.0x | 12.5x | -4.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.36% | 11.56% | 11.88% | 12.09% | 12.03% | 12.16% | 12.51% | 12.45% | +36 bps | |
| Total Risk-Based Capital | 13.23% | 13.81% | 13.95% | 14.49% | 14.95% | 15.88% | 16.34% | 16.26% | +177 bps | |
| Equity / Assets | 10.68% | 10.67% | 10.98% | 11.11% | 11.51% | 11.54% | 11.83% | 11.81% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.89% | 98.28% | 97.42% | 93.29% | 91.34% | 85.55% | 86.26% | 85.90% | -739 bps | |
| Liquid Assets / Assets | 0.50% | 0.35% | 1.30% | 2.05% | 3.67% | 7.20% | 7.02% | 6.56% | +451 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 365% | 342% | 333% | n/a | n/a | |
Hopkinsville, KY · Cert 34254 · Peer group: banks $1B-$10B in assets (n=322-328) · Planters Financial Group Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Return on Assets
1.27%
Rank 146 of 328
Net Interest Margin
3.08%
Rank 239 of 328
Efficiency Ratio
51.14%
Rank 79 of 328
Equity / Assets
11.81%
Rank 90 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.91% | 1.22% | 1.52% | Beats 55% | 146 / 328 | ||
| Return on Equity | 10.78% | 8.43% | 11.45% | 14.43% | Beats 44% | 184 / 328 | ||
| Net Interest Margin | 3.08% | 3.03% | 3.45% | 3.83% | Beats 27% | 239 / 328 | ||
| Efficiency Ratio | 51.14% | 51.61% | 59.56% | 67.53% | Beats 76% | 79 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.24% | 0.51% | 1.03% | Beats 87% | 44 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 82% | 58 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.01% | 11.75% | 13.15% | 15.47% | Beats 71% | 94 / 328 | ||
| Total Risk-Based Capital Ratio | 16.26% | 12.63% | 14.15% | 16.46% | Beats 74% | 86 / 328 | ||
| Equity / Assets | 11.81% | 9.15% | 10.33% | 12.01% | Beats 73% | 90 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.90% | 76.63% | 87.92% | 95.36% | 45th pctl | 177 / 323 | ||
| Loans / Assets | 75.11% | 65.18% | 74.15% | 79.98% | 55th pctl | 149 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||