Planters Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Planters Bank & Trust Company is growing quickly. The Indianola, Mississippi bank had $2.7 billion in assets at June 30, 2026, up 26.9% from a year earlier. It grew its loan book 41.5% over the year, 7.0 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds about half of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Earnings jumped: net income for the quarter was $8.2 million, 67% above the same quarter a year earlier. Over the same year, loans grew 41.5% and deposits grew 25.2%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.39% a year earlier.
As of June 30, 2026, Planters Bank & Trust Company reported a CET1 capital ratio of 15.29%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 4.02%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 212 Catchings Ave, Indianola, MS 38751
- County
- Sunflower
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 10, 1920
- Offices
- 33 domestic
- Employees (FTE)
- 360
- Domestic deposits
- $2.28B
- Allowance for credit losses
- $17.9M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $2.72B
- Average total loans
- $1.79B
- Average interest-bearing deposits
- $1.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8235
- Fed RSSD
- 972648
- SEC CIK
- 1654551 → filed by PLANTERS HOLDING COMPANY
- Website
- www.planters-bank.com →
- Parent Holding Company
- PLANTERS HOLDING COMPANY (RSSD 1096484)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Planters Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Planters Bank & Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Planters Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Planters Bank & Trust Company: Uninsured deposits.
Banks merged into Planters Bank & Trust Company
- Cross Keys Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.29% | 1.20% | 0.81% | 4.02% | 3.65% |
| Q1 2026 | 15.00% | 1.22% | 0.83% | 3.51% | 3.60% |
| Q4 2025 | 15.23% | 0.79% | 0.98% | 4.32% | 3.13% |
| Q3 2025 | 14.88% | 0.85% | 0.95% | 4.21% | 2.85% |
| Q2 2025 | 14.57% | 0.91% | 0.69% | 2.51% | 2.74% |
| Q1 2025 | 14.15% | 0.78% | 0.70% | 2.74% | 2.60% |
| Q4 2024 | 14.46% | 0.68% | 0.74% | 2.87% | 2.51% |
| Q3 2024 | 13.97% | 0.72% | 0.83% | 3.87% | 2.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 30 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Planters Bank & Trust Company (main office) | Indianola , MS | 38751 | $529.8M |
| Greenville Branch | Greenville , MS | 38701 | $251.6M |
| Germantown Branch | Germantown , TN | 38138 | $190.5M |
| Greenwood Branch | Greenwood , MS | 38930 | $170.8M |
| Clarksdale Branch | Clarksdale , MS | 38614 | $148.2M |
| Cleveland Branch | Cleveland , MS | 38732 | $134.8M |
| Hudson Lane Branch | Monroe , LA | 71201 | $90.2M |
| Leland Branch | Leland , MS | 38756 | $85.9M |
| Cross Keys Bank Branch | Saint Joseph , LA | 71366 | $81.4M |
| Ruleville Branch | Ruleville , MS | 38771 | $73.9M |
| Rayville Branch | Rayville , LA | 71269 | $73.8M |
| Mcmillan Road Branch | West Monroe , LA | 71291 | $63.6M |
| Planters Bank & Trust Company Branch | New Orleans , LA | 70112 | $60.6M |
| Southaven Silo Square Branch | Southaven , MS | 38672 | $60.5M |
| Cross Keys Bank Branch | Monroe , LA | 71203 | $49.3M |
| Shreveport Branch | Shreveport , LA | 71106 | $43.5M |
| Batesville Branch | Batesville , MS | 38606 | $42.3M |
| Tunica Office | Tunica , MS | 38676 | $37.5M |
| Tallulah Branch | Tallulah , LA | 71282 | $33.8M |
| Inverness Branch | Inverness , MS | 38753 | $20.9M |
| Olive Branch Branch | Olive Branch , MS | 38654 | $13.9M |
| Bossier Branch | Bossier City , LA | 71111 | $7.4M |
| Sunflower Branch | Sunflower , MS | 38778 | $5.8M |
| Cross Keys Bank Tyler Branch | Tyler , TX | 75703 | $5.0M |
| Louise Branch | Louise , MS | 39097 | $4.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired Cross Keys Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2021 | Structure Change | Acquired First Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2016 | Structure Change | Acquired Covenant Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2008 | Structure Change | Acquired Cleveland Community Bank, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 16, 1994 | Structure Change | Acquired Security Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Planters Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in MS, rank 11 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 555 applications, 435 loans originated, $89.6M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $1.0M approved, $113K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Planters Bank & Trust Company
What are Planters Bank & Trust Company's total assets?
As of the Q2 2026 filing, Planters Bank & Trust Company reported total assets of $2.71 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Planters Bank & Trust Company headquartered?
Planters Bank & Trust Company is headquartered in Indianola, MS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Planters Bank & Trust Company founded?
Planters Bank & Trust Company was established in 1920, per the FDIC institution directory.
Is Planters Bank & Trust Company FDIC-insured?
Yes. Planters Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #8235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Planters Bank & Trust Company?
Planters Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Planters Bank & Trust Company's CET1 capital ratio?
Planters Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 15.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Planters Bank & Trust Company operate?
Planters Bank & Trust Company operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Planters Bank & Trust Company's Texas Ratio?
Planters Bank & Trust Company's Texas Ratio is 4.02% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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