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Planters Bank & Trust Company

Indianola, MS · Cert 8235 · Planters Holding Co.

State charter, non-member · FDIC · 30 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Planters Bank & Trust Company

Indianola, MS · Cert 8235 · Planters Holding Co.

State charter, non-member · FDIC · 30 branches

Q2 2026

$2.7BAssets
$1.8BLoans
$2.3BDeposits
$313.3MEquity
Loan mix
88%RE $1.5B10%C&I $0.2B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.8B21%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.58%Q2 ’244.71%Q2 ’255.23%Q2 ’26+11%+36%

Non-interest income vs. expense

1.95%Q2 ’242.04%Q2 ’252.54%Q2 ’26+0%+23%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.7% share · #29 of 48 inst. · $0.3B of $46.3B

77.1% Sunflower
26.4% Washington
4.5% Ouachita
0.5% Shelby

Executive Summary

  • Earnings: ROA of 1.32%, up 46 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.61% of loans (+22 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.19%, up 112 bps from a year ago.
  • Funding: loans stand at 79.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+90 bps YoY

Efficiency Ratio (YTD, annualized)

59.02%-531 bps YoY

Tier 1 Leverage Ratio

11.19%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.86%0.84%1.39%1.32%+46 bps
Return on Equity8.67%8.52%8.20%12.37%11.63%+296 bps
Net Interest Margin2.51%2.60%2.74%3.38%3.41%+90 bps
Efficiency Ratio64.32%64.13%65.02%58.52%59.02%-531 bps
Non-Interest Burden1.37%1.42%1.53%1.62%1.69%+32 bps
Growth
Asset Growth (YoY)5.97%0.64%3.46%28.91%26.91%+2,095 bps
Loan Growth (YoY)-1.10%-0.41%1.22%37.73%41.50%+4,260 bps
Deposit Growth (YoY)8.81%5.29%4.00%28.50%25.22%+1,641 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.66%0.68%0.53%0.61%+22 bps
Net Charge-Offs / Loans0.00%0.02%0.02%-0.03%0.23%+23 bps
Allowance / Loans1.02%1.03%1.08%1.11%1.00%-2 bps
Allowance Coverage of NPLs2.6x1.6x1.6x2.1x1.6x-0.9x
Capital
Tier 1 Leverage Ratio10.06%10.40%10.85%10.95%11.19%+112 bps
Total Risk-Based Capital15.48%15.82%16.21%15.87%16.23%+74 bps
Equity / Assets9.94%10.66%11.04%11.37%11.55%+161 bps
Liquidity & Funding
Loans / Deposits70.01%72.26%72.82%77.01%79.11%+910 bps
Liquid Assets / Assets6.61%3.25%4.44%1.93%2.60%-401 bps
CRE / Total Capitaln/a326%322%334%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Planters Bank & Trust Company

Indianola, MS · Cert 8235 · Peer group: banks $1B-$10B in assets (n=311-317) · Planters Holding Co.

State charter, non-member · FDIC · 30 branches

Q2 2026

$2.7BAssets
$1.8BLoans
$2.3BDeposits
$313.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 74% of banks $1B-$10B in assets (rank 81 of 317).
  • Widest gap: net charge-offs / loans trails 77% of banks $1B-$10B in assets (rank 241 of 311).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.21%

Rank 162 of 317

Net Interest Margin

3.41%

Rank 170 of 317

Efficiency Ratio

60.19%

Rank 163 of 317

Equity / Assets

11.55%

Rank 97 of 317

Non-interest income vs. expense

$23.2M$69.1MINCOMEEXPENSE
Unfavorable gap of $45.9M · efficiency ratio beats 49% of banks $1B-$10B in assets
Bank 60.19%Peer median 59.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.93%1.22%1.51%Beats 49%162 / 317
Return on Equity10.47%8.63%11.43%14.48%Beats 40%190 / 317
Net Interest Margin3.41%3.06%3.45%3.83%Beats 46%170 / 317
Efficiency Ratio60.19%51.90%59.69%67.53%Beats 49%163 / 317
Asset Quality
Nonperforming Loans / Loans0.61%0.24%0.51%1.14%Beats 44%174 / 311
Net Charge-Offs / Loans0.14%0.01%0.04%0.12%Beats 23%241 / 311
Capital
Tier 1 Capital Ratio15.29%11.75%13.15%15.30%Beats 74%81 / 317
Total Risk-Based Capital Ratio16.23%12.63%14.21%16.26%Beats 74%83 / 317
Equity / Assets11.55%9.06%10.32%11.95%Beats 69%97 / 317
Liquidity & Funding
Loans / Deposits79.11%76.63%88.04%95.67%29th pctl223 / 312
Loans / Assets66.51%65.41%74.05%79.71%27th pctl230 / 317
Brokered Deposits / Depositsn/aNot reported for this institution