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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.11% | 1.07% | 1.09% | 1.10% | 1.40% | 1.25% | 1.32% | +22 bps | |
| Return on Equity | 9.61% | 10.38% | 9.90% | 9.90% | 9.75% | 12.10% | 10.73% | 11.13% | +123 bps | |
| Net Interest Margin | 2.51% | 2.82% | 2.84% | 3.00% | 2.98% | 3.09% | 3.08% | 3.12% | +12 bps | |
| Efficiency Ratio | 50.55% | 54.28% | 53.08% | 51.88% | 52.39% | 47.97% | 51.17% | 51.11% | -77 bps | |
| Non-Interest Burden | 1.08% | 1.44% | 1.34% | 1.38% | 1.38% | 1.28% | 1.39% | 1.39% | +1 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 | 0.01% | 0.00% | 0.01% | 0.00% | 0.01% | 0.68% | 0.02% | 0.00% | 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 | |