Planters Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.60 percentage points lower than in Q1 2026, at 122.29%. Planters Bank & Trust Company ranks 27th of 57 Mississippi banks on return on assets, in the upper half at 1.20% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Planters Bank & Trust Company sits 0.08 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.29% |
| Tier 1 risk-based capital ratio | 15.29% |
| Total risk-based capital ratio | 16.23% |
| Tier 1 leverage ratio | 11.19% |
| Equity capital to assets | 11.55% |
| Tangible equity to tangible assets | 10.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.49% |
| Texas ratio | 5.28% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 122.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 10.55% |
| Net interest margin | 3.65% |
| Efficiency ratio | 59.15% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.11% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 1.04% |
| Deposits to assets | 84.07% |
| Securities to assets | 25.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.29% | 13.29% | 14.03% | 9.97% | 1.36% |
| Q4 2023 | 13.71% | 13.71% | 14.49% | 9.97% | 0.49% |
| Q1 2024 | 13.44% | 13.44% | 14.24% | 9.76% | 0.63% |
| Q2 2024 | 13.39% | 13.39% | 14.21% | 9.99% | 0.55% |
| Q3 2024 | 13.97% | 13.97% | 14.85% | 10.17% | 0.72% |
| Q4 2024 | 14.46% | 14.46% | 15.36% | 10.31% | 0.68% |
| Q1 2025 | 14.15% | 14.15% | 15.05% | 10.10% | 0.78% |
| Q2 2025 | 14.57% | 14.57% | 15.48% | 10.06% | 0.91% |
| Q3 2025 | 14.88% | 14.88% | 15.82% | 10.40% | 0.85% |
| Q4 2025 | 15.23% | 15.23% | 16.21% | 10.85% | 0.79% |
| Q1 2026 | 15.00% | 15.00% | 16.00% | 10.95% | 1.22% |
| Q2 2026 | 15.29% | 15.29% | 16.23% | 11.19% | 1.20% |
Planters Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)