BlastPoint's Banking Scorecard

Planters Bank, Inc.

$1B-$10B Specialty: Commercial KY FDIC cert 34254

Designations: ✓ Community bank

Hopkinsville, KY

13 branches across KY · TN

884 banks in the $1B-$10B peer group nationally 17 in KY

Planters Bank, Inc. has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.82% below tier average
+ Efficiency Ratio 9.89% below tier average

Key Concerns

Areas that may need attention

- ROA 0.11% below tier average
- Net Interest Margin 0.61% below tier average

Get updates when Planters Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$1.9B +3.5% YoY -0.8% QoQ	-$883.2M	$2.8B -0.1% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$1.4B -6.1% YoY -0.4% QoQ	-$532.5M	$2.0B +0.6% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$1.7B +6.2% YoY -1.2% QoQ	-$659.5M	$2.3B -0.3% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	1.25% +17.0% YoY +7.5% QoQ	-0.11%	1.37% +19.6% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	3.21% +8.0% YoY +2.6% QoQ	-0.61%	3.82% +6.9% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	51.17% -3.6% YoY -0.2% QoQ	-9.89%	61.06% -4.6% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.07% -27.5% YoY -20.4% QoQ	-0.82%	0.89% +14.1% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 9.0% in tier
Loan-to-Deposit Ratio ?	85.07% -11.5% YoY +0.8% QoQ	+0.86%	84.20% +0.3% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	16.82% -5.3% YoY +1.8% QoQ	-4.47%	21.29% -2.5% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.54% +249.8% YoY -6.0% QoQ	-0.13%	0.67% +15.6% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	15.09% +18.8% YoY +3.2% QoQ	-0.07%	15.16% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.10% +6.0% YoY -73.9% QoQ	-0.16%	0.26% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	30%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#80 of 880 Top 9.0% in $1B-$10B

216

Efficiency Ratio

profitability

Value: 51.17%

Peer Median: 61.06%

#216 of 884 Top 24.3% in $1B-$10B

Top Weaknesses (1 metrics)

666

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.82%

#666 of 884 Bottom 24.8% in $1B-$10B