Planters Bank, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged up by 1.3%, from $11.8M to $12.0M, the largest move among the key lines here. Within Kentucky, Planters Bank, Inc. is 104th of 119 on net interest margin, 3.25% as of Q2 2026, below the middle of the field. Planters Bank, Inc. reported 3.25% on net interest margin for Q2 2026, 0.46 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 6.43% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 3.38% |
| Cost of interest-bearing liabilities | 3.38% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.25% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.5M |
| Total interest expense | $12.0M |
| Interest expense on deposits | $11.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.40% | 2.59% | 2.69% | 5.95% | 2.30% |
| Q4 2023 | 5.57% | 2.99% | 2.56% | 6.09% | 2.29% |
| Q1 2024 | 5.61% | 3.08% | 2.43% | 6.13% | 2.48% |
| Q2 2024 | 5.81% | 3.19% | 2.54% | 6.36% | 2.48% |
| Q3 2024 | 5.97% | 3.28% | 2.61% | 6.51% | 2.47% |
| Q4 2024 | 6.07% | 3.06% | 2.94% | 6.61% | 2.50% |
| Q1 2025 | 5.88% | 2.87% | 2.94% | 6.38% | 2.64% |
| Q2 2025 | 5.97% | 2.81% | 3.11% | 6.51% | 2.65% |
| Q3 2025 | 5.94% | 2.81% | 3.08% | 6.55% | 2.99% |
| Q4 2025 | 5.90% | 2.65% | 3.20% | 6.56% | 3.09% |
| Q1 2026 | 5.72% | 2.48% | 3.20% | 6.42% | 3.08% |
| Q2 2026 | 5.76% | 2.48% | 3.25% | 6.43% | 3.21% |
Planters Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank, Inc., freeSource: Call Report Schedules RI and RC-K, 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)