Planters Bank & Trust Company: 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%.
The standout move of Q2 2026 was in Retained earnings: 12.4% higher than in Q1 2026, at $73.9M. Within Mississippi, Planters Bank & Trust Company is 10th of 20 on CET1 ratio, 15.29% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Planters Bank & Trust Company sits 1.81 points higher, at 15.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.29% |
| Tier 1 risk-based capital ratio | 15.29% |
| Total risk-based capital ratio | 16.23% |
| Tier 1 leverage ratio | 11.19% |
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 | $300.5M |
| Tier 1 capital | $300.5M |
| Total risk-based capital | $319.0M |
| Total equity capital | $313.3M |
| Risk-weighted assets | $1.97B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 10.38% |
| Equity capital to average assets | 11.52% |
| Internal capital growth rate | 10.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $258.8M |
| Retained earnings | $73.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.9M |
| 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 | 13.29% | 13.29% | 14.03% | 9.97% | $1.51B |
| Q4 2023 | 13.71% | 13.71% | 14.49% | 9.97% | $1.49B |
| Q1 2024 | 13.44% | 13.44% | 14.24% | 9.76% | $1.49B |
| Q2 2024 | 13.39% | 13.39% | 14.21% | 9.99% | $1.52B |
| Q3 2024 | 13.97% | 13.97% | 14.85% | 10.17% | $1.48B |
| Q4 2024 | 14.46% | 14.46% | 15.36% | 10.31% | $1.45B |
| Q1 2025 | 14.15% | 14.15% | 15.05% | 10.10% | $1.47B |
| Q2 2025 | 14.57% | 14.57% | 15.48% | 10.06% | $1.46B |
| Q3 2025 | 14.88% | 14.88% | 15.82% | 10.40% | $1.46B |
| Q4 2025 | 15.23% | 15.23% | 16.21% | 10.85% | $1.45B |
| Q1 2026 | 15.00% | 15.00% | 16.00% | 10.95% | $1.94B |
| Q2 2026 | 15.29% | 15.29% | 16.23% | 11.19% | $1.97B |
Planters Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8235) · FFIEC NIC profile (RSSD 972648)