BlastPoint's Banking Scorecard

Planters Bank & Trust Company

$1B-$10B Specialty: Commercial MS FDIC cert 8235

Designations: ✓ CDFI-certified

Indianola, MS

33 branches across MS · LA · TN · TX

884 banks in the $1B-$10B peer group nationally 9 in MS

Planters Bank & Trust Company shows strong momentum with 3 strengths and 28.9% YoY asset growth

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

+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 2.54% below tier average
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Planters Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$2.7B +28.9% YoY +30.2% QoQ	-$127.4M	$2.8B -0.1% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	65%
Total Loans ?	$1.7B +37.6% YoY +37.3% QoQ	-$226.0M	$2.0B +0.6% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$2.3B +28.5% YoY +29.9% QoQ	-$60.2M	$2.3B -0.3% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	1.39% +75.5% YoY +64.4% QoQ	+0.02%	1.37% +19.6% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	4.12% +53.0% YoY +41.5% QoQ	+0.30%	3.82% +6.9% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	58.52% -13.3% YoY -10.0% QoQ	-2.54%	61.06% -4.6% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.53% +30.3% YoY -22.8% QoQ	-0.35%	0.89% +14.1% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	76.16% +7.1% YoY +5.7% QoQ	-8.04%	84.20% +0.3% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	22.92% +3.2% YoY -1.6% QoQ	+1.63%	21.29% -2.5% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.38% +49.1% YoY -17.3% QoQ	-0.30%	0.67% +15.6% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	15.00% +5.9% YoY -1.6% QoQ	-0.16%	15.16% +2.0% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.23% +30.4% YoY -66.2% QoQ	-0.03%	0.26% +1.6% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	78%

Get Full Access to Planters Bank & Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

196

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.26%

#196 of 884 Top 22.1% in $1B-$10B

208

Net Interest Margin

profitability

Value: 4.12%

Peer Median: 3.82%

#208 of 884 Top 23.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available