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Planters Bank, Inc.

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

Designations: ✓ Community bank

Hopkinsville, KY

13 branches across KY · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
  • Deposits +5.1% year over year ($1.7B on the books).
  • Delinquency rate 0.11%.
  • Return on assets 1.28%.
  • Efficiency ratio 51.14% vs a 59.73% peer average.
  • Loan-to-deposit ratio 84.71% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in KY
View $1B-$10B leaderboard (KY) →

Planters Bank, Inc. has 2 strengths but faces 3 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

  • + Credit Quality Leader: Top 25.8% in tier
  • + Efficiency Ratio 8.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.7% in tier
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.63% below tier average
Get updates when Planters Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $2.0B
+4.0% YoY +1.5% QoQ
-$832.5M $2.8B
-0.6% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $1.5B
-3.3% YoY +1.4% QoQ
-$510.9M $2.0B
-0.3% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $1.7B
+5.1% YoY +1.8% QoQ
-$604.4M $2.3B
-0.5% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.28%
+18.5% YoY +2.3% QoQ
-0.11% 1.39%
+17.0% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 3.24%
+6.3% YoY +1.1% QoQ
-0.63% 3.87%
+6.2% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 51.14%
-2.5% YoY -0.1% QoQ
-8.59% 59.73%
-12.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.11%
+40.5% YoY +60.6% QoQ
-0.75% 0.87%
+11.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 13.5% in tier
Loan-to-Deposit Ratio ? 84.71%
-8.0% YoY -0.4% QoQ
-0.33% 85.04%
-0.1% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 17.19%
-0.6% YoY +2.2% QoQ
-4.08% 21.27%
-1.5% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.56%
+300.1% YoY +2.6% QoQ
-0.12% 0.67%
+11.7% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 15.01%
+13.4% YoY -0.6% QoQ
+0.16% 14.84%
-0.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.20%
+10.2% YoY +111.1% QoQ
-0.33% 0.53%
+2.5% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 17.2%
-0.1pp YoY
+0.4pp QoQ
 -4.2pp 21.4% 23.5% 22.2% 35%
Brokered Deposits n/a n/a 9.5% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 15.2%
-0.3pp YoY
0.0pp QoQ
 +1.2pp 14.0% 8.6% 12.5% 68%
CRE 54.9%
-2.7pp YoY
-1.2pp QoQ
 +4.9pp 50.0% 37.1% 41.4% 64%
1-4 Family 21.8%
+2.2pp YoY
+1.1pp QoQ
 -4.6pp 26.4% 41.6% 31.3% 46%
Consumer 1.0%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.7% 4.8% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 15.0%
+1.8pp YoY
-0.1pp QoQ
 -0.6pp 15.6% 20.2% 19.7% 69%
Leverage Ratio 12.4%
+0.4pp YoY
-0.1pp QoQ
 +1.1pp 11.3% 14.0% 12.6% 80%
Total Capital Ratio 16.3%
+1.8pp YoY
-0.1pp QoQ
 -0.4pp 16.7% 21.3% 20.8% 70%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 199
+15 (+8.2%) YoY
+9 (+4.7%) QoQ
 -115 313 105 482 41%
Assets per Employee ($) $9.9M
-3.8% YoY
-3.1% QoQ
 -$629K $10.5M $6.3M $8.8M 64%
Branch Count 13
0 YoY
0 QoQ
 -7 20 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.1pp 0.2% 0.3% 0.4% 37%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.8% 1.0% 10%
Allowance Coverage 12.48x
-26.2% YoY
-37.7% QoQ
 -6.23x 18.71x 7.45x 20.23x 91%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 29%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 10.9%
+1.0pp YoY
+0.2pp QoQ
 -1.7pp 12.6% 13.3% 11.6% 41%
Cost of Funds (YTD) 2.6%
-0.4pp YoY
0.0pp QoQ
 +0.6pp 1.9% 1.7% 1.7% 86%
Net Income ($, YTD) $12.5M
+23.6% YoY
— QoQ
 -$6.8M $19.2M $5.1M $40.4M 50%

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 (1)

Credit Quality Leader

growth
#58 of 221 • Top 25.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.11%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#29 of 492 • Bottom 5.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.11%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

120
Delinquency Rate
credit_quality
Value: 0.11%
Peer Median: 0.87%
#120 of 882 Top 13.5% in $1B-$10B

Top Weaknesses (1 metrics)

679
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 3.87%
#679 of 885 Bottom 23.4% in $1B-$10B
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