BlastPoint's Banking Scorecard
Planters Bank & Trust Company
Designations: ✓ CDFI-certified
Indianola, MS
33 branches across MS · LA · TN · TX
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 11 in MS.
- Deposits +25.2% year over year ($2.3B on the books).
- Delinquency rate 0.62%.
- Return on assets 1.32%.
- Efficiency ratio 59.02% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.32% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Planters Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Efficiency Ratio 0.71% below tier average
- + Delinquency Rate 0.25% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+26.9% YoY
+0.9% QoQ
|
-$81.5M |
$2.8B
-0.6% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$1.8B
+41.5% YoY
+2.7% QoQ
|
-$177.6M |
$2.0B
-0.3% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$2.3B
+25.2% YoY
-0.1% QoQ
|
-$39.0M |
$2.3B
-0.5% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.32%
+53.2% YoY
-5.0% QoQ
|
-0.07% |
1.39%
+17.0% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.98%
+44.2% YoY
-3.2% QoQ
|
+0.11% |
3.87%
+6.2% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
59.02%
-8.2% YoY
+0.8% QoQ
|
-0.71% |
59.73%
-12.6% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.62%
+54.7% YoY
+15.3% QoQ
|
-0.25% |
0.87%
+11.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
78.32%
+13.0% YoY
+2.8% QoQ
|
-6.71% |
85.04%
-0.1% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
20.64%
+0.8% YoY
-9.9% QoQ
|
-0.63% |
21.27%
-1.5% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.44%
+85.2% YoY
+16.1% QoQ
|
-0.24% |
0.67%
+11.7% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
15.29%
+5.0% YoY
+1.9% QoQ
|
+0.45% |
14.84%
-0.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.43%
+26.9% YoY
+84.3% QoQ
|
-0.10% |
0.53%
+2.5% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.6%
+0.2pp YoY -2.3pp QoQ |
-0.7pp | 21.4% | 23.1% | 22.2% | 54% |
| Brokered Deposits |
1.0%
-0.9pp YoY +0.5pp QoQ |
-8.4pp | 9.5% | 3.8% | 8.5% | 19% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
+0.4pp YoY +0.8pp QoQ |
-3.6pp | 14.0% | 12.4% | 12.5% | 46% |
| CRE |
53.8%
-2.6pp YoY -2.2pp QoQ |
+3.8pp | 50.0% | 42.3% | 41.4% | 62% |
| 1-4 Family |
24.1%
+1.4pp YoY +0.1pp QoQ |
-2.4pp | 26.4% | 33.1% | 31.3% | 52% |
| Consumer |
1.5%
-0.5pp YoY 0.0pp QoQ |
-3.2pp | 4.7% | 5.6% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.3%
+0.7pp YoY +0.3pp QoQ |
-0.3pp | 15.6% | 16.5% | 19.7% | 72% |
| Leverage Ratio |
11.2%
+1.1pp YoY +0.2pp QoQ |
-0.1pp | 11.3% | 11.9% | 12.6% | 63% |
| Total Capital Ratio |
16.2%
+0.7pp YoY +0.2pp QoQ |
-0.5pp | 16.7% | 17.7% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
360
+87 (+31.9%) YoY +3 (+0.8%) QoQ |
+46 | 313 | 297 | 482 | 74% |
| Assets per Employee ($) |
$7.5M
-3.8% YoY 0.0% QoQ |
-$2.9M | $10.5M | $6.2M | $8.8M | 32% |
| Branch Count |
33
+10 (+43.5%) YoY 0 QoQ |
+13 | 20 | 22 | 18 | 84% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 19% |
| Nonaccrual |
0.6%
+0.2pp YoY +0.1pp QoQ |
-0.2pp | 0.8% | 0.9% | 1.0% | 58% |
| Allowance Coverage |
1.63x
-36.7% YoY -22.0% QoQ |
-17.08x | 18.71x | 4.87x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY +0.3pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+3.0pp YoY -0.7pp QoQ |
-1.0pp | 12.6% | 11.7% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY -0.1pp QoQ |
+0.3pp | 1.9% | 1.8% | 1.7% | 71% |
| Net Income ($, YTD) |
$16.4M
+84.0% YoY — QoQ |
-$2.8M | $19.2M | $13.8M | $40.4M | 63% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.