Side-by-side · Q2 2026 data
Planters Bank & Trust Company vs Franklin State Bank & Trust Company
Metric by metric
| Measure | Planters Bank & Trust Company | Franklin State Bank & Trust Company |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 62 (stronger) | 50 |
| Loan quality | 80 (stronger) | 75 |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 55 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 63rd | 61st |
| Total assets | $2.7B | $224.7M |
| Deposits / shares | $2.3B | $200.2M |
| Capital ratio | 11.19% (stronger) | 10.03% |
| Problem loans | 0.61% (stronger) | 0.76% |
| Net charge-offs | 0.25% (stronger) | 0.34% |
| Return on assets | 1.32% | 2.05% (stronger) |
| Loans ÷ deposits | 78.3% | 62.2% (stronger) |
| Uninsured deposits | 38.8% | 28.5% (stronger) |
| Offices | 29 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Franklin State Bank & Trust Company has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Planters Bank & Trust Company leads on 3 and Franklin State Bank & Trust Company on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.