Planters Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Planters Bank, Inc. is an FDIC-insured commercial bank headquartered in Hopkinsville, KY, established in 1996 (FDIC certificate 34254), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.96B, up 4.0% from Q2 2025, the 9th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 15.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34254
- Headquarters
- Hopkinsville, KY
- Established
- 1996
- Total assets, Q2 2026
- $1.96B
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 15.01%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 083902633
- Holding company
- PLANTERS FINANCIAL GROUP, INC
- Asset rank in state
- 9th of 120 in Kentucky
Planters Bank, Inc., based in Hopkinsville, Kentucky, reported $2.0 billion in assets at June 30, 2026, up 4.0% from a year earlier. It shrank its loan book 3.2% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also funds 12.45% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Its $244 million non-owner-occupied commercial real estate book is now fully current, after 4.90% of it was past due or on nonaccrual a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 3.2% and deposits rose 5.1%. Funding is the softer spot: it pays an average of 2.48% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Planters Bank, Inc. reported a CET1 capital ratio of 15.01%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 4.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Planters Bank, Inc. is the 9th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $1.96B, loans rose 1.4% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 21.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.6%. The FDIC Summary of Deposits lists 13 offices for it, in 7 cities across 2 states; its Clarksville 4 offices book 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Planters Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1312 S Main St, Hopkinsville, KY 42240
- County
- Christian
- Metro Area
- Clarksville, TN-KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 12, 1996
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 199
- Domestic deposits
- $1.71B
- Allowance for credit losses
- $20.4M
- Net charge-offs (YTD)
- $62K
- Average total assets
- $1.96B
- Average total loans
- $1.47B
- Average interest-bearing deposits
- $1.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 12, 1996
- FDIC Cert
- 34254
- Fed RSSD
- 2497181
- SEC CIK
- 1175152 → filed by PLANTERS FINANCIAL GROUP, INC
- Website
- www.plantersbankonline.com →
- Parent Holding Company
- PLANTERS FINANCIAL GROUP, INC (RSSD 3013225)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Planters Bank, Inc.'s total assets ran between $1.69B (Q3 2023) and $1.96B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.96B total assets against $1.89B; $1.73B total liabilities against $1.68B.
$1.45B net loans and leases against $1.50B; $1.71B total deposits against $1.63B.
$297.7M securities against $265.7M; $146.0M cash and balances due against $60.8M.
$27.3M total interest income against $27.1M; $12.0M total interest expense against $13.1M.
$15.3M net interest income against $14.1M.
$2.1M total noninterest income against $1.8M; $8.9M total noninterest expense against $8.2M.
$300K provision for credit losses against $550K.
$6.4M net income against $5.1M.
1.30% return on assets against 1.10%; 3.25% net interest margin against 3.11%.
15.01% CET1 capital ratio against 13.24%; 12.45% tier 1 leverage ratio against 12.09%.
Inside the full Planters Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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, Inc. rankings
Its closest position to the top of a national ranking is 606 of 4,196, for total assets; its furthest is 1,740 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.99% (Q3 2024) to 1.39% (Q4 2025) and its net interest margin ran from 2.61% (Q3 2024) to 3.25% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.01% | 1.30% | 0.11% | 4.34% | 3.25% |
| Q1 2026 | 15.09% | 1.26% | 0.07% | 4.22% | 3.20% |
| Q4 2025 | 14.63% | 1.39% | 0.09% | 4.60% | 3.20% |
| Q3 2025 | 13.70% | 1.09% | 1.28% | 8.66% | 3.08% |
| Q2 2025 | 13.24% | 1.10% | 0.08% | 1.14% | 3.11% |
| Q1 2025 | 12.70% | 1.07% | 0.10% | 1.29% | 2.94% |
| Q4 2024 | 12.59% | 1.09% | 0.10% | 1.39% | 2.94% |
| Q3 2024 | 12.05% | 0.99% | 0.08% | 3.94% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Planters Bank, Inc. (main office) | Hopkinsville , KY | 42240 | $559.2M |
| Commerce Street Branch | Clarksville , TN | 37040 | $535.4M |
| Boulevard Branch | Hopkinsville , KY | 42240 | $113.5M |
| Princeton Branch | Princeton , KY | 42445 | $76.9M |
| Sango Branch | Clarksville , TN | 37043 | $74.6M |
| Sturgis Branch | Sturgis , KY | 42459 | $71.4M |
| Rossview Branch | Clarksville , TN | 37040 | $63.0M |
| Dawson Springs Branch | Dawson Springs , KY | 42408 | $59.2M |
| Hilldale Office Branch | Clarksville , TN | 37043 | $51.7M |
| Indian Hills Branch | Hopkinsville , KY | 42240 | $49.7M |
| Providence Branch | Providence , KY | 42450 | $30.8M |
| Sebree Facility | Sebree , KY | 42455 | $28.9M |
| Sturgis Ky Drive-Up Branch | Sturgis , KY | 42459 | $0 |
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 27, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in KY, rank 25 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 350 applications, 344 loans originated, $67.8M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $195K approved, $195K 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Planters Bank, Inc.
What are Planters Bank, Inc.'s total assets?
As of the Q2 2026 filing, Planters Bank, Inc. reported total assets of $1.96 billion in its FFIEC call report.
Where is Planters Bank, Inc. headquartered?
It is headquartered in Hopkinsville, KY, United States.
When was Planters Bank, Inc. founded?
It was established in 1996, per the FDIC institution directory.
Is Planters Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Planters Bank, Inc.?
Planters Bank, Inc.'s primary federal regulator is the FDIC.
What is Planters Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.01% 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, Inc. operate?
It operates 13 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, Inc.'s Texas Ratio?
Its Texas Ratio is 4.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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