TellerScore

Planters Bank, Inc. (FDIC certificate #34254) is based in Hopkinsville, Kentucky. Its Q2 2026 call report shows $2.0B in total assets and $1.7B in deposits and 15 offices across 2 states.

Based on its Q2 2026 filing, Planters Bank, Inc. scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 33rd. Its strongest component is loan quality (96/100; 0.11%), and its lowest is funding & liquidity (49/100; 85% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.45%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 84.7% · 38.7% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.34%

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 (74 → 77), mostly because the earnings component improved by 8 points.

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202470
Q4 202471
Q1 202573
Q2 202574
Q3 202563
Q4 202576
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.76%12.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.26%
Q3 202411.36%
Q4 202411.56%
Q1 202511.88%
Q2 202512.08%
Q3 202512.03%
Q4 202512.16%
Q1 202612.51%
Q2 202612.45%
Noncurrent loans
0.07%0.68%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.08%
Q4 20240.10%
Q1 20250.10%
Q2 20250.08%
Q3 20251.28%
Q4 20250.09%
Q1 20260.07%
Q2 20260.11%
Return on assets
0.78%1.03%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.85%
Q4 20240.92%
Q1 20251.07%
Q2 20251.08%
Q3 20251.09%
Q4 20251.17%
Q1 20261.25%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$2.0B12.45%0.11%1.28%84.7%
Q1 202677$1.9B12.51%0.07%1.25%85.1%
Q4 202576$1.9B12.16%0.09%1.17%84.4%
Q3 202563$1.9B12.03%1.28%1.09%90.1%
Q2 202574$1.9B12.08%0.08%1.08%92.0%
Q1 202573$1.9B11.88%0.10%1.07%96.2%
Q4 202471$1.8B11.56%0.10%0.92%97.1%
Q3 202470$1.8B11.36%0.08%0.85%97.7%
Q2 202466$1.8B11.26%0.33%0.78%98.6%

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).

Capital ratio12.45%
80th
Total risk-based capital16.26%
78th
Problem loans0.11%
86th
Net charge-offs0.01%
67th
Return on assets1.28%
53rd
Net interest margin3.24%
24th
Efficiency ratio51.1%
74th
Loans to deposits84.7%
56th
Uninsured deposits38.7%
31st
Loan-loss reserves1.38%
79th
Texas ratio4.3%
43rd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Heritage Bank, Inc.Bank Burlington, KY65 out of 100, Moderate$2.0B9.0%0.47%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
South Central Bank, Inc.Bank Glasgow, KY72 out of 100, Strong$2.3B9.9%0.30%vs
Forcht Bank, National AssociationBank Lexington, KY66 out of 100, Moderate$1.6B8.2%0.05%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs
Traditional Bank, Inc.Bank Mount Sterling, KY73 out of 100, Strong$2.4B10.6%0.25%vs

Deposit insurance

Is my money safe at Planters Bank, Inc.?

Yes. Planters Bank, Inc. is an FDIC-insured institution (FDIC certificate #34254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.7% of deposits ($663.4M) 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 12.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.26% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Planters Bank, Inc. lists 14 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Planters Bank, Inc. reported 350 home-loan applications under HMDA (LEI 549300IHBKY3L5OIDT39): 344 originated ($67,830,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, 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, Inc.
Type
State-chartered bank
FDIC certificate #
34254
RSSD ID
2497181
Primary regulator
FDIC
Holding company
Planters Financial Group Inc
Established
September 12, 1996
Headquarters
1312 S Main St, Hopkinsville, KY 42240
Employees
199

Quick answers

Planters Bank, Inc.: common questions

Is Planters Bank, Inc. FDIC insured?

Yes. Planters Bank, Inc. is an FDIC-insured institution (FDIC certificate #34254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Planters Bank, Inc.'s TellerScore?

77 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, Inc. ever failed?

There is no failure record for FDIC certificate #34254 in the FDIC failed bank list.

How many branches does Planters Bank, Inc. have?

15 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Hopkinsville

InstitutionScoreAssetsCapitalProblem loansCompare
Elkton Bank & Trust CompanyBank Elkton, KY82 out of 100, Strong$199.1M12.6%0.12%vs
United Southern BankBank Hopkinsville, KY81 out of 100, Strong$353.7M12.7%0.37%vs
Fortera Federal Credit UnionCredit union Clarksville, TN78 out of 100, Strong$946.7M12.7%0.65%vs
Farmers Bank and Trust CompanyBank Princeton, KY76 out of 100, Strong$247.8M9.5%0.04%vs
Bank of Cadiz and Trust CompanyBank Cadiz, KY74 out of 100, Strong$142.9M9.1%0.00%vs
Legends BankBank Clarksville, TN71 out of 100, Strong$927.7M10.0%0.00%vs