BlastPoint's Banking Scorecard
Planters Bank, Inc.
Community
Specialty: Commercial
KY
FDIC cert 34254
Hopkinsville, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Planters Bank, Inc. shows strong momentum with 1 strength and 5.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+5.4% YoY
+2.3% QoQ
|
+$557.5M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.4B
-6.0% YoY
-3.6% QoQ
|
+$462.1M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.7B
+8.1% YoY
+2.9% QoQ
|
+$539.0M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.17%
+26.8% YoY
+7.1% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.13%
+16.7% YoY
+1.4% QoQ
|
-0.54% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
51.25%
-9.8% YoY
-2.3% QoQ
|
-11.38% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.09%
-15.8% YoY
-93.2% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
84.38%
-13.1% YoY
-6.3% QoQ
|
+1.32% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
16.53%
-5.2% YoY
-6.5% QoQ
|
-4.52% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.58%
+253.6% YoY
-47.1% QoQ
|
+0.08% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
14.63%
+16.2% YoY
+6.8% QoQ
|
+4.38% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.37%
+11.5% YoY
+33.5% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#114 of 371 · Top 31% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
82
82th pctile
Efficiency Ratio
Current: 51.25% · Tier avg: 62.63%
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
73
73th pctile
Tier 1 Capital Ratio
Current: 14.63% · Tier avg: 10.24%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.38% · Tier avg: 83.06%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.53% · Tier avg: 21.05%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.53% · Tier avg: 21.05%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.38% · Tier avg: 83.06%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.63% · Tier avg: 10.24%
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
82
82th pctile
Efficiency Ratio
Current: 51.25% · Tier avg: 62.63%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%