Planters Bank & Trust Company
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
$2.7BAssets
$1.8BLoans
$2.3BDeposits
$313.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 73% of banks $1B-$10B in assets (rank 88 of 328).
- Widest gap: net charge-offs / loans trails 79% of banks $1B-$10B in assets (rank 255 of 322).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $45.9M · efficiency ratio beats 48% of banks $1B-$10B in assets | 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 |