Planters Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 4.1% to $12.9M. Planters Bank & Trust Company ranks 38th of 57 Mississippi banks on net interest margin, in the lower half at 3.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Planters Bank & Trust Company reported 3.65% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.76% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.75% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.2M |
| Total interest expense | $12.9M |
| Interest expense on deposits | $11.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.56% | 2.29% | 2.40% | 6.09% | 1.71% |
| Q4 2023 | 4.67% | 2.50% | 2.34% | 6.19% | 1.74% |
| Q1 2024 | 4.76% | 2.53% | 2.41% | 6.28% | 1.76% |
| Q2 2024 | 4.93% | 2.75% | 2.35% | 6.47% | 1.77% |
| Q3 2024 | 5.11% | 2.86% | 2.39% | 6.63% | 1.81% |
| Q4 2024 | 5.10% | 2.75% | 2.51% | 6.57% | 1.93% |
| Q1 2025 | 5.00% | 2.55% | 2.60% | 6.45% | 2.11% |
| Q2 2025 | 5.11% | 2.53% | 2.74% | 6.56% | 2.30% |
| Q3 2025 | 5.24% | 2.56% | 2.85% | 6.67% | 2.41% |
| Q4 2025 | 5.28% | 2.32% | 3.13% | 6.66% | 2.52% |
| Q1 2026 | 5.56% | 2.21% | 3.60% | 6.72% | 3.04% |
| Q2 2026 | 5.66% | 2.14% | 3.65% | 6.76% | 3.09% |
Planters Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)