Planters Bank & Trust Company is a state-chartered bank headquartered in Indianola, Mississippi, in business for about 106 years. At the end of Q2 2026 it reported $2.7B in total assets and $2.3B in deposits, with 32 offices across 4 states.
Based on its Q2 2026 filing, Planters Bank & Trust Company scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 27th. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is funding & liquidity (55/100; 78% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (68 → 71), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 66 |
| Q4 2025 | 66 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 10.17% |
| Q4 2024 | 10.31% |
| Q1 2025 | 10.10% |
| Q2 2025 | 10.06% |
| Q3 2025 | 10.40% |
| Q4 2025 | 10.85% |
| Q1 2026 | 10.95% |
| Q2 2026 | 11.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.61% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.84% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $2.7B | 11.19% | 0.61% | 1.32% | 78.3% |
| Q1 2026 | 71 | $2.7B | 10.95% | 0.53% | 1.39% | 76.2% |
| Q4 2025 | 66 | $2.1B | 10.85% | 0.68% | 0.84% | 72.0% |
| Q3 2025 | 66 | $2.1B | 10.40% | 0.66% | 0.86% | 71.5% |
| Q2 2025 | 68 | $2.1B | 10.06% | 0.39% | 0.86% | 69.3% |
| Q1 2025 | 67 | $2.1B | 10.10% | 0.41% | 0.79% | 71.1% |
| Q4 2024 | 65 | $2.0B | 10.31% | 0.42% | 0.66% | 74.1% |
| Q3 2024 | 64 | $2.1B | 10.17% | 0.52% | 0.64% | 75.7% |
| Q2 2024 | 63 | $2.0B | 9.99% | 0.48% | 0.60% | 76.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Guaranty Bank and Trust CompanyBank Belzoni, MS | 55 out of 100, Moderate | $3.1B | 10.4% | 2.01% | vs |
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |
| The Citizens National Bank of MeridianBank Meridian, MS | 70 out of 100, Strong | $1.9B | 11.3% | 0.87% | vs |
| The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS | 66 out of 100, Moderate | $1.6B | 9.1% | 0.47% | vs |
| TownBridge BankBank Pascagoula, MS | 61 out of 100, Moderate | $1.3B | 8.8% | 1.94% | vs |
| PriorityOne BankBank Magee, MS | 70 out of 100, Strong | $1.2B | 11.9% | 1.58% | vs |
Deposit insurance
Is my money safe at Planters Bank & Trust Company?
Yes. Planters Bank & Trust Company is an FDIC-insured institution (FDIC certificate #8235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.8% of deposits ($883.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.23% (benchmark: 10%).
32 locations
Branches
Planters Bank & Trust Company lists 29 offices in 24 cities across 4 states. Most locations:
- Greenville, MS (3)
- Cleveland, MS (2)
- Indianola, MS (2)
- Monroe, LA (2)
- Batesville, MS (1)
- Bossier City, LA (1)
- Clarksdale, MS (1)
- Germantown, TN (1)
- Greenwood, MS (1)
- Inverness, MS (1)
- Leland, MS (1)
- Louise, MS (1)
HMDA 2025
Mortgage lending
In 2025, Planters Bank & Trust Company reported 555 home-loan applications under HMDA (LEI 549300PGV74J5SPHTG47): 435 originated ($89,555,000 total), 47 denied, and 69 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Planters Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 8235
- RSSD ID
- 972648
- Primary regulator
- FDIC
- Holding company
- Planters Holding Co
- Established
- April 10, 1920
- Headquarters
- 212 Catchings Ave, Indianola, MS 38751
- Website
- www.planters-bank.com
- Employees
- 360
Quick answers
Planters Bank & Trust Company: common questions
Is Planters Bank & Trust Company FDIC insured?
Yes. Planters Bank & Trust Company is an FDIC-insured institution (FDIC certificate #8235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Planters Bank & Trust Company's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Planters Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #8235 in the FDIC failed bank list.
How many branches does Planters Bank & Trust Company have?
32 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Indianola
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Delta Federal Credit UnionCredit union Greenville, MS | 98 out of 100, Very strong | $8.9M | 29.2% | 0.27% | vs |
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| The Cleveland State BankBank Cleveland, MS | 76 out of 100, Strong | $340.2M | 11.2% | 0.26% | vs |
| Shelby/Bolivar County Federal Credit UnionCredit union Boyle, MS | 71 out of 100, Strong | $4.5M | 20.3% | 5.89% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |
| Community Bank of MississippiBank Flowood, MS | 64 out of 100, Moderate | $5.1B | 8.3% | 0.25% | vs |