Planters Bank & Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.86 percentage points higher than in Q1 2026, at 89.35%. Planters Bank & Trust Company ranks 22nd of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 79.11% (Q2 2026). Planters Bank & Trust Company reported 79.11% on loan-to-deposit ratio for Q2 2026, 9.09 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $76.1M |
| Cash and noninterest-bearing balances to assets | 2.78% |
| Cash and securities | $755.2M |
| Fed funds sold and reverse repos | $643K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $50K |
| Other borrowed money | $101.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.11% |
| Net loans and leases to deposits | 78.32% |
| Loans and leases to core deposits | 89.35% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 1.04% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.08% | 83.63% | $0 | $197.3M |
| Q4 2023 | 76.15% | 83.96% | $0 | $197.3M |
| Q1 2024 | 77.46% | 87.04% | $0 | $182.2M |
| Q2 2024 | 77.03% | 85.77% | $0 | $142.2M |
| Q3 2024 | 76.40% | 84.61% | $0 | $147.2M |
| Q4 2024 | 74.82% | 84.36% | $0 | $91.6M |
| Q1 2025 | 71.85% | 85.87% | $0 | $91.5M |
| Q2 2025 | 70.01% | 86.97% | $0 | $91.5M |
| Q3 2025 | 72.26% | 88.08% | $0 | $54.1M |
| Q4 2025 | 72.82% | 88.65% | $0 | $69.0M |
| Q1 2026 | 77.01% | 88.49% | $645K | $82.5M |
| Q2 2026 | 79.11% | 87.49% | $50K | $101.9M |
Planters Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank & Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)