Planters Bank, Inc.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Retained earnings edged up by 2.1%, from $134.9M to $137.7M, the largest move among the key lines here. Planters Bank, Inc. ranks 34th of 69 Kentucky banks on CET1 ratio, in the upper half at 15.01% (Q2 2026). Planters Bank, Inc. reported 15.01% on CET1 ratio for Q2 2026, 1.53 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.01% |
| Tier 1 risk-based capital ratio | 15.01% |
| Total risk-based capital ratio | 16.26% |
| Tier 1 leverage ratio | 12.45% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $244.4M |
| Tier 1 capital | $244.4M |
| Total risk-based capital | $264.8M |
| Total equity capital | $231.6M |
| Risk-weighted assets | $1.63B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.81% |
| Tangible equity to tangible assets | 11.81% |
| Equity capital to average assets | 11.79% |
| Internal capital growth rate | 4.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $104.9M |
| Retained earnings | $137.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.61% | 11.61% | 12.79% | 11.47% | $1.69B |
| Q4 2023 | 11.42% | 11.42% | 12.57% | 11.47% | $1.76B |
| Q1 2024 | 11.45% | 11.45% | 12.64% | 11.24% | $1.77B |
| Q2 2024 | 11.69% | 11.69% | 12.83% | 11.26% | $1.77B |
| Q3 2024 | 12.05% | 12.05% | 13.23% | 11.36% | $1.76B |
| Q4 2024 | 12.59% | 12.59% | 13.81% | 11.56% | $1.72B |
| Q1 2025 | 12.70% | 12.70% | 13.95% | 11.88% | $1.74B |
| Q2 2025 | 13.24% | 13.24% | 14.49% | 12.09% | $1.71B |
| Q3 2025 | 13.70% | 13.70% | 14.95% | 12.03% | $1.69B |
| Q4 2025 | 14.63% | 14.63% | 15.88% | 12.16% | $1.61B |
| Q1 2026 | 15.09% | 15.09% | 16.34% | 12.51% | $1.60B |
| Q2 2026 | 15.01% | 15.01% | 16.26% | 12.45% | $1.63B |
Planters Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank, Inc., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Planters Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34254) · FFIEC NIC profile (RSSD 2497181)