Planters Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Planters Bank & Trust Company of Indianola, MS against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 1.46% | -0.26% | 44th below |
| ROAE | 10.55% | 12.72% | -2.17% | 37th below |
| Net Interest Margin | 3.65% | 3.85% | -0.20% | 46th below |
| Efficiency Ratio | 59.15% | 57.40% | +1.75% | 48th below |
| PPNR / Avg Assets | 1.66% | 1.88% | -0.22% | 45th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.72% | -0.06% | 58th above |
| Cost of Funds | 2.14% | 2.02% | +0.12% | 41st below |
| Net Interest Spread | 2.91% | 3.18% | -0.27% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.81% | 1.00% | -0.19% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.76% | -0.19% | 43rd below |
| NCO / Avg Loans | 0.49% | 0.43% | +0.06% | 10th bottom |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 29th below |
| ACL / NPLs (Coverage) | 122.29% | 543.80% | -421.51% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.28% | 7.39% | -2.11% | 47th below |
| Provision / NCO | 58.84% | 619.30% | -560.46% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.29% | 17.34% | -2.05% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.29% | 17.37% | -2.08% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.23% | 18.42% | -2.19% | 71st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.19% | 11.44% | -0.25% | 64th above |
| Equity / Assets | 11.55% | 11.33% | +0.22% | 69th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.38% | 10.50% | -0.12% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.11% | 86.96% | -7.85% | 72nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.49% | 85.55% | +1.94% | 43rd below |
| Uninsured Deposit Ratio | 45.09% | 33.11% | +11.98% | 17th bottom |
| Wholesale Funding Ratio | 3.76% | 5.71% | -1.95% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.91% | 9.66% | +17.25% | 94th top |
| Loan Growth (Y/Y) | 41.50% | 8.02% | +33.48% | 97th top |
| Deposit Growth (Y/Y) | 25.22% | 7.85% | +17.37% | 93rd top |
See Planters Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Planters Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Planters Bank & Trust Company profile, how to read a UBPR, or how this data updates.