Planters Bank & Trust Company: 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.
The standout move of Q2 2026 was in Loans held for sale: 164.3% higher than in Q1 2026, at $3.8M. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.80B |
| Net loans and leases | $1.79B |
| Loans held for sale | $3.8M |
| Loans to total assets | 66.51% |
| Loan-to-deposit ratio | 79.11% |
| Net loans to equity capital | 5.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.30% |
| Multifamily (5+ residential) | 5.56% |
| Commercial and industrial | 10.30% |
| Consumer | 1.50% |
| Credit cards | 0.00% |
| Farm | 4.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.17% |
| Construction concentration (Tier 1 capital + allowance) | 53.37% |
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 | 6.76% |
| Interest income on loans | $30.2M |
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 | $1.24B | $1.63B | 39.04% | 11.16% | 2.30% |
| Q4 2023 | $1.24B | $1.63B | 39.22% | 11.42% | 2.33% |
| Q1 2024 | $1.26B | $1.63B | 39.20% | 11.26% | 2.19% |
| Q2 2024 | $1.29B | $1.67B | 38.62% | 11.11% | 2.13% |
| Q3 2024 | $1.29B | $1.69B | 38.72% | 10.81% | 2.05% |
| Q4 2024 | $1.26B | $1.69B | 39.67% | 10.70% | 2.10% |
| Q1 2025 | $1.28B | $1.78B | 40.27% | 10.39% | 1.98% |
| Q2 2025 | $1.27B | $1.82B | 39.87% | 9.94% | 1.96% |
| Q3 2025 | $1.29B | $1.78B | 40.25% | 10.43% | 1.91% |
| Q4 2025 | $1.28B | $1.76B | 40.90% | 9.61% | 1.99% |
| Q1 2026 | $1.76B | $2.28B | 39.97% | 9.53% | 1.51% |
| Q2 2026 | $1.80B | $2.28B | 38.30% | 10.30% | 1.50% |
Planters Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8235) · FFIEC NIC profile (RSSD 972648)