Planters Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Planters Bank & Trust Company is an FDIC-insured commercial bank headquartered in Indianola, MS, established in 1920 (FDIC certificate 8235), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.71B, up 26.9% from Q2 2025, the 8th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 15.29% 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
- 8235
- Headquarters
- Indianola, MS
- Established
- 1920
- Total assets, Q2 2026
- $2.71B
- Assets vs Q2 2025
- +26.9%
- CET1 ratio, Q2 2026
- 15.29%
- Domestic offices
- 33 FDIC institution directory, current count
- Routing number
- 084205708
- Latest call report
- Q2 2026, FFIEC 041 · Planters Bank & Trust Company call report
- Holding company
- PLANTERS HOLDING COMPANY
- Asset rank in state
- 8th of 57 in Mississippi
Planters Bank & Trust Company is growing quickly. The Indianola, Mississippi bank had $2.7 billion in assets at June 30, 2026, up 26.9% from a year earlier. It grew its loan book 41.5% over the year, 7.0 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds about half of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Earnings jumped: net income for the quarter was $8.2 million, 67% above the same quarter a year earlier. Over the same year, loans grew 41.5% and deposits grew 25.2%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.39% a year earlier.
As of June 30, 2026, Planters Bank & Trust Company reported a CET1 capital ratio of 15.29%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 4.02%. The figures come from its call report filed with the FFIEC.
Planters Bank & Trust Company ranks as the 8th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $2.71B, loans rose 2.6% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 26.8% of total loans, followed by 1-4 family residential loans at 23.8%. Its 30 offices in the FDIC Summary of Deposits are in 24 cities across 4 states; its Indianola 2 offices book 23% of its branch deposits. Judged on its Q2 2026 call report, Planters Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 212 Catchings Ave, Indianola, MS 38751
- County
- Sunflower
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 10, 1920
- Domestic offices
- 33 FDIC institution directory, current count
- Employees (FTE)
- 360
- Domestic deposits
- $2.28B
- Allowance for credit losses
- $17.9M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $2.72B
- Average total loans
- $1.79B
- Average interest-bearing deposits
- $1.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8235
- Fed RSSD
- 972648
- SEC CIK
- 1654551 → filed by PLANTERS HOLDING COMPANY
- Website
- www.planters-bank.com →
- Parent Holding Company
- PLANTERS HOLDING COMPANY (RSSD 1096484)
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
From Q3 2023 to Q2 2026, Planters Bank & Trust Company's total assets ranged from $2.00B (Q4 2024) to $2.71B (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
$2.71B total assets against $2.14B; $2.40B total liabilities against $1.92B.
$1.79B net loans and leases against $1.26B; $2.28B total deposits against $1.82B.
$679.1M securities against $598.7M; $76.1M cash and balances due against $143.2M.
$36.2M total interest income against $25.8M; $12.9M total interest expense against $12.0M.
$23.3M net interest income against $13.8M.
$5.4M total noninterest income against $3.5M; $17.4M total noninterest expense against $10.7M.
$657K provision for credit losses against $312K.
$8.2M net income against $4.9M.
1.20% return on assets against 0.91%; 3.65% net interest margin against 2.74%.
15.29% CET1 capital ratio against 14.57%; 11.19% tier 1 leverage ratio against 10.06%.
Inside the full Planters Bank & Trust Company 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 & Trust Company rankings
Its closest position to the top of a national ranking is 466 of 4,196, for total assets; its furthest is 2,020 of 3,611, for ROA.
Metric pages for Planters Bank & Trust Company: Uninsured deposits.
Banks merged into Planters Bank & Trust Company
- Cross Keys Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 1.22% (Q1 2026) and its net interest margin ran from 2.39% (Q3 2024) to 3.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.29% | 1.20% | 0.61% | 4.02% | 3.65% |
| Q1 2026 | 15.00% | 1.22% | 0.53% | 3.51% | 3.60% |
| Q4 2025 | 15.23% | 0.79% | 0.68% | 4.32% | 3.13% |
| Q3 2025 | 14.88% | 0.85% | 0.66% | 4.21% | 2.85% |
| Q2 2025 | 14.57% | 0.91% | 0.39% | 2.51% | 2.74% |
| Q1 2025 | 14.15% | 0.78% | 0.41% | 2.74% | 2.60% |
| Q4 2024 | 14.46% | 0.68% | 0.42% | 2.87% | 2.51% |
| Q3 2024 | 13.97% | 0.72% | 0.52% | 3.87% | 2.39% |
Swipe the table sideways to see every column.
Branch Network
View all 30 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 & Trust Company (main office) | Indianola , MS | 38751 | $529.8M |
| Greenville Branch | Greenville , MS | 38701 | $251.6M |
| Germantown Branch | Germantown , TN | 38138 | $190.5M |
| Greenwood Branch | Greenwood , MS | 38930 | $170.8M |
| Clarksdale Branch | Clarksdale , MS | 38614 | $148.2M |
| Cleveland Branch | Cleveland , MS | 38732 | $134.8M |
| Hudson Lane Branch | Monroe , LA | 71201 | $90.2M |
| Leland Branch | Leland , MS | 38756 | $85.9M |
| Cross Keys Bank Branch | Saint Joseph , LA | 71366 | $81.4M |
| Ruleville Branch | Ruleville , MS | 38771 | $73.9M |
| Rayville Branch | Rayville , LA | 71269 | $73.8M |
| Mcmillan Road Branch | West Monroe , LA | 71291 | $63.6M |
| Planters Bank & Trust Company Branch | New Orleans , LA | 70112 | $60.6M |
| Southaven Silo Square Branch | Southaven , MS | 38672 | $60.5M |
| Cross Keys Bank Branch | Monroe , LA | 71203 | $49.3M |
| Shreveport Branch | Shreveport , LA | 71106 | $43.5M |
| Batesville Branch | Batesville , MS | 38606 | $42.3M |
| Tunica Office | Tunica , MS | 38676 | $37.5M |
| Tallulah Branch | Tallulah , LA | 71282 | $33.8M |
| Inverness Branch | Inverness , MS | 38753 | $20.9M |
| Olive Branch Branch | Olive Branch , MS | 38654 | $13.9M |
| Bossier Branch | Bossier City , LA | 71111 | $7.4M |
| Sunflower Branch | Sunflower , MS | 38778 | $5.8M |
| Cross Keys Bank Tyler Branch | Tyler , TX | 75703 | $5.0M |
| Louise Branch | Louise , MS | 39097 | $4.5M |
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 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired Cross Keys Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2021 | Structure Change | Acquired First Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2016 | Structure Change | Acquired Covenant Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2008 | Structure Change | Acquired Cleveland Community Bank, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 16, 1994 | Structure Change | Acquired Security Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.9% of deposits in MS, rank 11 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 555 applications, 435 loans originated, $89.6M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $1.0M approved, $113K 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 & Trust Company
What are Planters Bank & Trust Company's total assets?
As of the Q2 2026 filing, Planters Bank & Trust Company reported total assets of $2.71 billion in its FFIEC call report.
Where is Planters Bank & Trust Company headquartered?
It is headquartered in Indianola, MS, United States.
When was Planters Bank & Trust Company founded?
It was established in 1920, per the FDIC institution directory.
Is Planters Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Planters Bank & Trust Company?
Planters Bank & Trust Company's primary federal regulator is the FDIC.
What is Planters Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.29% 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 & Trust Company operate?
It operates 33 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 4.02% 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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