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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.85% | 0.79% | 1.39% | 1.21% | +28 bps | |
| Return on Equity | 9.38% | 8.25% | 7.31% | 12.37% | 10.55% | +117 bps | |
| Net Interest Margin | 2.62% | 2.71% | 2.97% | 3.38% | 3.46% | +85 bps | |
| Efficiency Ratio | 61.34% | 63.76% | 67.47% | 58.52% | 59.52% | -182 bps | |
| Non-Interest Burden | 1.35% | 1.48% | 1.78% | 1.62% | 1.77% | +42 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 / Loans | 0.39% | 0.66% | 0.68% | 0.53% | 0.61% | +22 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.02% | -0.03% | 0.48% | +45 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.08% | 1.11% | 1.00% | -2 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.6x | 1.6x | 2.1x | 1.6x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.06% | 10.40% | 10.85% | 10.95% | 11.19% | +112 bps | |
| Total Risk-Based Capital | 15.48% | 15.82% | 16.21% | 15.87% | 16.23% | +74 bps | |
| Equity / Assets | 9.94% | 10.66% | 11.04% | 11.37% | 11.55% | +161 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.01% | 72.26% | 72.82% | 77.01% | 79.11% | +910 bps | |
| Liquid Assets / Assets | 6.61% | 3.25% | 4.44% | 1.93% | 2.60% | -401 bps | |
| CRE / Total Capital | n/a | 326% | 322% | 334% | n/a | n/a | |