Planters Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 8.11 percentage points in Q2 2026, from 258.64% to 250.53%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Planters Bank, Inc. is 49th of 120 on loan-to-deposit ratio, 85.90% as of Q2 2026, above the middle of the field. At 85.90%, Planters Bank, Inc.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.47B |
| Net loans and leases | $1.45B |
| Loans held for sale | $1.3M |
| Loans to total assets | 75.11% |
| Loan-to-deposit ratio | 85.90% |
| Net loans to equity capital | 6.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.67% |
| Multifamily (5+ residential) | 13.24% |
| Commercial and industrial | 14.94% |
| Consumer | 0.97% |
| Credit cards | 0.00% |
| Farm | 6.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.53% |
| Construction concentration (Tier 1 capital + allowance) | 84.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $23.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.41B | $1.42B | 23.46% | 10.62% | 0.94% |
| Q4 2023 | $1.47B | $1.50B | 23.55% | 10.56% | 0.91% |
| Q1 2024 | $1.51B | $1.50B | 23.27% | 11.86% | 0.90% |
| Q2 2024 | $1.53B | $1.53B | 24.00% | 12.87% | 0.93% |
| Q3 2024 | $1.54B | $1.56B | 24.29% | 13.86% | 0.91% |
| Q4 2024 | $1.55B | $1.58B | 24.81% | 14.24% | 0.89% |
| Q1 2025 | $1.54B | $1.59B | 25.82% | 15.07% | 0.91% |
| Q2 2025 | $1.52B | $1.63B | 25.07% | 15.27% | 0.93% |
| Q3 2025 | $1.51B | $1.66B | 24.64% | 14.71% | 0.97% |
| Q4 2025 | $1.46B | $1.70B | 24.89% | 14.65% | 0.99% |
| Q1 2026 | $1.45B | $1.68B | 25.14% | 14.93% | 0.99% |
| Q2 2026 | $1.47B | $1.71B | 25.67% | 14.94% | 0.97% |
Planters Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank, Inc., freeSource: Call Report Schedule RC-C, 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)