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 | |