PLANTERS BANK & TRUST COMPANY

INDIANOLA, MS | Large | Est. April 10, 1920, midnight | FDIC #8235 | RSSD #972648 | FDIC
Latest Report: 2025-12-31

PLANTERS BANK & TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in INDIANOLA, MS, established in April 10, 1920, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.8B. Profitability stands at 0.79% ROA and 7.31% ROE, with a net interest margin of 3.19%. The bank's CET1 capital ratio is 15.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 3.87%. FDIC Certificate #8235.

Assets

$2.1B

Deposits

$1.8B

Loans

$1.3B

Equity

$228M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 7.31%
Net Interest Margin (NIM) 3.19%
Yield on Assets 5.40%
Cost of Funds 2.97%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.87%
NPA Ratio 0.45%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 15.23%
Tier 1 Capital 15.23%
Total Capital Ratio 16.21%
Leverage Ratio 10.85%
Loan-to-Deposit 72.82%

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