BlastPoint's Banking Scorecard
Planters Bank & Trust Company
Community
Specialty: Commercial
MS
FDIC cert 8235
Indianola, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Planters Bank & Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+3.5% YoY
-0.3% QoQ
|
+$672.8M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.3B
+1.1% YoY
-0.8% QoQ
|
+$290.5M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.8B
+4.0% YoY
-1.5% QoQ
|
+$592.9M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.84%
+28.6% YoY
-1.9% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
2.91%
+16.2% YoY
+3.1% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
65.02%
-4.0% YoY
+1.4% QoQ
|
+2.39% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.69%
+63.8% YoY
+3.9% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
72.03%
-2.8% YoY
+0.7% QoQ
|
-11.03% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
23.30%
-8.7% YoY
+11.6% QoQ
|
+2.26% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.46%
+67.9% YoY
+6.8% QoQ
|
-0.04% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
15.23%
+5.4% YoY
+2.4% QoQ
|
+4.99% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.69%
+0.4% YoY
+32.7% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#67 of 642 · Bottom 10% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
78
78th pctile
Tier 1 Capital Ratio
Current: 15.23% · Tier avg: 10.24%
78
78th pctile
Loan-to-Deposit Ratio
Current: 72.03% · Tier avg: 83.06%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
68
68th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.30% · Tier avg: 21.05%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
41
41th pctile
Efficiency Ratio
Current: 65.02% · Tier avg: 62.63%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
28
28th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
Top Weaknesses
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
28
28th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
41
41th pctile
Efficiency Ratio
Current: 65.02% · Tier avg: 62.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.30% · Tier avg: 21.05%
68
68th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Loan-to-Deposit Ratio
Current: 72.03% · Tier avg: 83.06%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.23% · Tier avg: 10.24%
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B