Planters Bank & Trust Company
Planters Bank & Trust Company reported total assets of $2.7 bn at Q2 2026, up 26.9% on a year earlier, the 468th largest of 497 banks in our US coverage. The CET1 capital ratio at Planters Bank & Trust Company was 15.29%, and the uninsured share of Planters Bank & Trust Company was 38.75%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Planters Bank & Trust Company climbed from 436th to 145th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Planters Bank & Trust Company has taken over 2 institutions; the latest was Cross Keys Bank on (FDIC Call Reports).
- Over the year to , the net interest margin of Planters Bank & Trust Company rose by 1.22 pp to 3.98%, a bigger rise than at 99% of covered banks (FDIC Call Reports).
What sets Planters Bank & Trust Company apart
- Over the year to , the bank equity capital of Planters Bank & Trust Company rose by 47.5% to $313.3 mn, a bigger rise than at 96% of covered banks.
How large is Planters Bank & Trust Company?
The balance sheet of Planters Bank & Trust Company at : assets $2.7 bn, deposits $2.3 bn, net loans $1.8 bn (loans equal to 78.32% of deposits). Securities make up 25.0% of total assets at Planters Bank & Trust Company. Since , when Planters Bank & Trust Company held $1.1 bn, its assets grew 157.3%. In the year to , deposits at Planters Bank & Trust Company rose 25.2% while its total assets rose 26.9%. At , Planters Bank & Trust Company employed 360 full-time equivalent staff across 33 offices, about $7.5 mn of assets per employee and $69.1 mn of deposits per office.
How much funding at Planters Bank & Trust Company is uninsured?
At Planters Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 38.75% of domestic deposits at (+4.48 pp on a year earlier); Planters Bank & Trust Company ranks 207th of 500 on this measure. In dollars, Planters Bank & Trust Company estimated $883.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +25.2% | 460th of 499 |
| Net loans and leases | $1.8 bn | +41.5% | 462nd of 500 |
| Loan-to-deposit ratio | 78.32% | +9.02 pp | 363rd of 500 |
| Tier 1 leverage ratio | 11.19% | +1.12 pp | 157th of 500 |
| Total risk-based capital ratio | 16.23% | +0.74 pp | 114th of 448 |
| Net interest margin | 3.98% | +1.22 pp | 145th of 500 |
| Return on assets (ROA) | 1.32% | +0.46 pp | 239th of 500 |
| Efficiency ratio | 59.02% | -5.31 pp | 315th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.1 mn | Widened by $10,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $26.7 mn | Narrowed by $6.3 mn | |
| Noncurrent loans to total loans | 0.61% | +0.22 pp | 252nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.25% | +0.25 pp | 372nd of 500 (1 = lowest) |
US rank of Planters Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Planters Bank & Trust Company: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.3bn
- Net loans $1.8bn
Capital and securities
The CET1 ratio of Planters Bank & Trust Company stood at 15.29% in , +0.72 pp year on year. Low and high at Planters Bank & Trust Company since : 13.11% () to 16.56% (). Equity capital of Planters Bank & Trust Company at : $313.3 mn, or 11.6% of total assets. Planters Bank & Trust Company also reported a total capital ratio of 16.23% for , and a tier 1 leverage ratio of 11.19%.
On held-to-maturity securities, Planters Bank & Trust Company carried an unrealized loss of $1.1 mn at , equal to 0.4% of equity capital. The loss widened by $10,000 over the year. Its deepest point: $1.8 mn in . The available-for-sale portfolio of Planters Bank & Trust Company showed an unrealized loss of $26.7 mn at ; the loss narrowed by $6.3 mn over the year.
Planters Bank & Trust Company: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
Planters Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$27mn
- Held to maturity -$1mn
Profitability and loan quality
For the year to , Planters Bank & Trust Company earned a return on equity of 11.63%; return on assets: 1.32%. Net interest margin at Planters Bank & Trust Company: 3.98%, +1.22 pp in a year. Planters Bank & Trust Company net income: $16.4 mn, up 84.0% year on year. The efficiency ratio of Planters Bank & Trust Company was 59.02%: about 59 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.61% of total loans at Planters Bank & Trust Company; net charge-offs: 0.25% of average loans. Gross loans and leases at Planters Bank & Trust Company: $1.8 bn, up 41.5% in a year.
Planters Bank & Trust Company: profitability
- Return on equity 12%
- Net interest margin 4.0%
- Return on assets 1.3%
Peer group of Planters Bank & Trust Company
The peer group of Planters Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Planters Bank & Trust Company (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Mississippi. Against them, Planters Bank & Trust Company shows CET1 ratio 15.29% against a peer median of 12.19%, return on equity 11.63% against a peer median of 11.87% and uninsured deposit share 38.75% against a peer median of 28.54%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Home Federal Bank of Tennessee | Federal savings bank | TN | $2.7 bn | not reported | 1.87% | 21.23% | |
| Pinnacle Bank | State nonmember bank | TX | $2.7 bn | 14.07% | 10.81% | 29.57% | |
| Tradition Capital Bank | State nonmember bank | MN | $2.7 bn | 10.32% | 10.98% | 45.41% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.7 bn | 15.29% | 11.63% | 38.75% | |
| CalPrivate Bank | State nonmember bank | CA | $2.7 bn | 13.61% | 18.54% | 56.48% | |
| Beverly Bank & Trust Company | National bank | IL | $2.7 bn | 11.43% | 15.97% | 27.51% | |
| INB | National bank | IL | $2.7 bn | 12.19% | 12.75% | 18.23% | |
. FDIC Call Reports.
Last eight quarters
Two years at Planters Bank & Trust Company, to : assets +31.8%, deposits +34.6%, equity +54.5%. Staff 265 to 360; offices 23 to 33.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.1 bn | $2.0 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.7 bn | $2.7 bn |
| Total deposits | $1.7 bn | $1.7 bn | $1.8 bn | $1.8 bn | $1.8 bn | $1.8 bn | $2.3 bn | $2.3 bn |
| Bank equity capital | $202.8 mn | $200.8 mn | $204.0 mn | $212.4 mn | $220.7 mn | $227.9 mn | $305.6 mn | $313.3 mn |
| CET1 ratio | 13.97% | 14.46% | 14.15% | 14.57% | 14.88% | 15.23% | 15.00% | 15.29% |
| Return on equity (ROE) | 6.84% | 6.90% | 7.97% | 8.67% | 8.52% | 8.20% | 12.37% | 11.63% |
| Uninsured share of domestic deposits | 36.01% | 36.71% | 36.22% | 34.27% | 34.58% | 41.14% | 41.91% | 38.75% |
| Full-time equivalent employees | 265 | 260 | 265 | 273 | 271 | 274 | 357 | 360 |
| Number of offices | 23 | 23 | 23 | 23 | 23 | 23 | 33 | 33 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Planters Bank & Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed Covenant Bank (FDIC certificate 57039).
- . Absorbed First Capital Bank (FDIC certificate 57552).
- . Absorbed Cross Keys Bank (FDIC certificate 9322).
Large one-quarter moves at Planters Bank & Trust Company
- Total assets at Planters Bank & Trust Company changed by +33.1% in the quarter to 2021-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First Capital Bank.
- Total assets at Planters Bank & Trust Company changed by +30.2% in the quarter to 2026-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Cross Keys Bank.
Questions and identifiers
What were the total assets of Planters Bank & Trust Company?
Planters Bank & Trust Company reported $2.7 bn at in its Call Report. That makes Planters Bank & Trust Company the 468th largest of 497 banks in our US coverage.
Is Planters Bank & Trust Company the same as its holding company?
No. This page covers Planters Bank & Trust Company, FDIC certificate 8235; PLANTERS HOLDING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Planters Bank & Trust Company profitable?
Planters Bank & Trust Company reported net income of $16.4 mn for the year to ; annualized return on equity: 11.63%. So yes: Planters Bank & Trust Company made a profit over these months.
When is data for Planters Bank & Trust Company next updated?
Figures from Planters Bank & Trust Company for are due after .
Where can I check the figures for Planters Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 8235, and in the Call Reports of Planters Bank & Trust Company (RSSD ID 972648) at the FFIEC Central Data Repository.