Indianola, MS · Cert 8235 · Planters Holding Co.
State charter, non-member · FDIC · 30 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
72
Asset Quality
32
Profitability
45
Liquidity
62
Efficiency
48
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.
Indianola, MS · Cert 8235 · Planters Holding Co.
State charter, non-member · FDIC · 30 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.7% share · #29 of 48 inst. · $0.3B of $46.3B
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 | 0.64% | 0.66% | 0.79% | 0.86% | 0.86% | 0.84% | 1.39% | 1.32% | +46 bps | |
| Return on Equity | 6.84% | 6.90% | 7.97% | 8.67% | 8.52% | 8.20% | 12.37% | 11.63% | +296 bps | |
| Net Interest Margin | 2.27% | 2.29% | 2.47% | 2.51% | 2.60% | 2.74% | 3.38% | 3.41% | +90 bps | |
| Efficiency Ratio | 67.81% | 67.71% | 67.47% | 64.32% | 64.13% | 65.02% | 58.52% | 59.02% | -531 bps | |
| Non-Interest Burden | 1.32% | 1.33% | 1.43% | 1.37% | 1.42% | 1.53% | 1.62% | 1.69% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.18% | -1.83% | 4.09% | 5.97% | 0.64% | 3.46% | 28.91% | 26.91% | +2,095 bps | |
| Loan Growth (YoY) | 4.22% | 1.82% | 1.41% | -1.10% | -0.41% | 1.22% | 37.73% | 41.50% | +4,260 bps | |
| Deposit Growth (YoY) | 3.80% | 3.62% | 9.33% | 8.81% | 5.29% | 4.00% | 28.50% | 25.22% | +1,641 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.42% | 0.41% | 0.39% | 0.66% | 0.68% | 0.53% | 0.61% | +22 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | -0.03% | 0.00% | 0.02% | 0.02% | -0.03% | 0.23% | +23 bps | |
| Allowance / Loans | 0.94% | 0.96% | 0.99% | 1.02% | 1.03% | 1.08% | 1.11% | 1.00% | -2 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.3x | 2.4x | 2.6x | 1.6x | 1.6x | 2.1x | 1.6x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.17% | 10.31% | 10.10% | 10.06% | 10.40% | 10.85% | 10.95% | 11.19% | +112 bps | |
| Total Risk-Based Capital | 14.85% | 15.36% | 15.05% | 15.48% | 15.82% | 16.21% | 15.87% | 16.23% | +74 bps | |
| Equity / Assets | 9.85% | 10.06% | 9.78% | 9.94% | 10.66% | 11.04% | 11.37% | 11.55% | +161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.40% | 74.82% | 71.85% | 70.01% | 72.26% | 72.82% | 77.01% | 79.11% | +910 bps | |
| Liquid Assets / Assets | 4.19% | 2.42% | 5.22% | 6.61% | 3.25% | 4.44% | 1.93% | 2.60% | -401 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 322% | 334% | n/a | n/a | |
Indianola, MS · Cert 8235 · Peer group: banks $1B-$10B in assets (n=322-328) · Planters Holding Co.
State charter, non-member · FDIC · 30 branches
Q2 2026
Return on Assets
1.21%
Rank 168 of 328
Net Interest Margin
3.41%
Rank 176 of 328
Efficiency Ratio
60.19%
Rank 173 of 328
Equity / Assets
11.55%
Rank 101 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.91% | 1.22% | 1.52% | Beats 49% | 168 / 328 | ||
| Return on Equity | 10.47% | 8.43% | 11.45% | 14.43% | Beats 41% | 195 / 328 | ||
| Net Interest Margin | 3.41% | 3.03% | 3.45% | 3.83% | Beats 46% | 176 / 328 | ||
| Efficiency Ratio | 60.19% | 51.61% | 59.56% | 67.53% | Beats 48% | 173 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.24% | 0.51% | 1.03% | Beats 43% | 185 / 322 | ||
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.03% | 0.10% | Beats 21% | 255 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.29% | 11.75% | 13.15% | 15.47% | Beats 73% | 88 / 328 | ||
| Total Risk-Based Capital Ratio | 16.23% | 12.63% | 14.15% | 16.46% | Beats 73% | 89 / 328 | ||
| Equity / Assets | 11.55% | 9.15% | 10.33% | 12.01% | Beats 69% | 101 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.11% | 76.63% | 87.92% | 95.36% | 29th pctl | 230 / 323 | ||
| Loans / Assets | 66.51% | 65.18% | 74.15% | 79.98% | 27th pctl | 238 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||