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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Kentucky, the state note

Planters Bank Inc

Hopkinsville, Kentucky · $1.96B in assets · beside the 11 other Kentucky banks between $1B and $3B

The filing

11.8%
Equity / assets
2nd of 12
45.1%
CRE / loans
11th of 12
-3.2%
Loans, year over year
11th of 12, largest first

Planters Bank Inc is the fourth largest of the 12 Kentucky banks between $1B and $3B, with $1.96B in assets at 30 June 2026. Loans are 85.9% of deposits, 9th of 12 against a median of 80.1%, and equity is 11.8% of assets, 2nd of 12. Loans grew -3.2% in the year, 11th of 12, and deposits grew 5.1%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.11% of the book, 3rd of 12 against a median of 0.28%; 0.14% is 30 to 89 days past due, and the allowance covers them 12.5 times. Commercial real estate is 45.1% of loans, 11th of 12 against a median of 33.1%, and 251% of capital, below the 300% screen, with construction at 85% against the 100% screen.

Return on assets is 1.27%, 6th of 12 against a median of 1.22%, on an efficiency ratio of 51.1%, 3rd of 12. Five years ago it was 1.93%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansKY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 33.1% CF Community Finl Services Bank 13.6% FS First Southern National Bank 27.2% WB Whitaker Bank 30.5% ES Edmonton State Bank 31.4% PB Paducah Bank & Trust Co. 31.7% FB Forcht Bank National Association 32.8% CB Cecilian Bank 33.4% MB Monticello Banking Co. 37.1% SC South Central Bank Inc 37.9% TB Traditional Bank Inc 44.8% PB Planters Bank Inc 45.1% HB Heritage Bank Inc 47.0%
Loans, year over yearKY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% SC South Central Bank Inc +11.9% ES Edmonton State Bank +10.4% PB Paducah Bank & Trust Co. +8.4% TB Traditional Bank Inc +6.8% WB Whitaker Bank +6.2% FS First Southern National Bank +5.1% HB Heritage Bank Inc +2.8% CB Cecilian Bank +2.3% FB Forcht Bank National Association +1.6% CF Community Finl Services Bank -0.8% PB Planters Bank Inc -3.2% MB Monticello Banking Co. -8.0%

SBA 7(a), FY2008 to FY2026

Planters Bank Inc is the 111th largest 7(a) lender into Tennessee of 374, with $7M across 30 loans, 0.1% of everything approved in the state (Pinnacle Bank leads with $494M). 7 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Tennessee, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Montgomery, TN$6M4th of 654.6%thin
Christian, KY$2M6th of 197.6%thin
Williamson, TN$420K82nd of 1120.1%quiet FY2012
Robertson, TN$300K23rd of 360.7%thin
Davidson, TN$185K154th of 1640.0%quiet FY2010
Ballard, KY$136K5th of 76.9%quiet FY2010
Cheatham, TN$90K20th of 220.5%quiet FY2012
Rutherford, TN$61K82nd of 860.0%quiet FY2009
Dickson, TN$60K26th of 290.2%quiet FY2010
Hopkins, KY$44K17th of 180.2%quiet FY2010
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Transportation & warehousing3$4M45.7%0.03%356th of 1,563
Accommodation & food services9$1M16.2%0.00%1399th of 2,596
Other services11$911K9.9%0.00%1211th of 2,248
Construction5$545K5.9%0.00%1440th of 2,063
Finance & insurance3$545K5.9%0.01%568th of 1,111
7(a) lenders into Tennessee, share of approvals since FY2008374 lenders on record; the ten largest and Planters Bank Inc
PB Pinnacle Bank 8.8% $494M · 516 loans LO Live Oak Banking Company 8.4% $469M · 352 loans UB U.S. Bank, National Association 4.6% $260M · 1,383 loans TH The Huntington National Bank 3.9% $220M · 528 loans RB Regions Bank 3.0% $167M · 232 loans UC United Community Bank 3.0% $166M · 224 loans TB Truist Bank 2.9% $165M · 383 loans SB Simmons Bank 2.2% $126M · 257 loans FH First Horizon Bank 2.1% $116M · 106 loans CB Celtic Bank Corporation 2.0% $109M · 243 loans PB Planters Bank Inc 0.1% $7M · 30 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Planters Bank IncRankCohort median
Total CRE against capital, the 300% screen251%8th of 12238%
Construction against capital, the 100% screen85%11th of 1269%
Construction and land development, share of loans15.2%11th of 1210.4%
Non-owner-occupied nonfarm nonresidential, share of loans16.6%5th of 1217.7%
Total CRE, the guidance definition, share of loans45.1%11th of 1233.1%
CRE growth over 36 months, the third prong-7.0%3rd of 12+16.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Traditional Bank Inc$2.44B1.2%53.2%0.25%0.03%1.0%78.3%8.8%
South Central Bank Inc$2.26B1.4%53.1%0.30%0.00%1.0%90.6%9.0%
Heritage Bank Inc$1.99B1.0%63.8%0.47%0.12%1.2%67.9%7.2%
Planters Bank Inc$1.96B1.3%51.1%0.11%0.01%1.4%85.9%11.8%
Whitaker Bank$1.93B1.4%60.8%0.21%0.06%1.5%68.3%11.5%
Forcht Bank National Association$1.65B0.7%75.2%0.05%0.01%1.2%76.0%8.9%
Cecilian Bank$1.59B1.6%50.6%0.40%0.01%1.1%80.4%10.3%
Community Finl Services Bank$1.37B1.0%67.4%0.42%0.23%1.3%79.8%8.3%
First Southern National Bank$1.28B0.8%62.4%0.61%0.05%1.7%71.0%11.6%
Edmonton State Bank$1.15B2.5%49.4%0.32%0.01%1.1%92.8%12.0%
Monticello Banking Co.$1.07B1.0%69.8%0.11%0.01%1.2%83.8%8.7%
Paducah Bank & Trust Co.$1.07B2.2%54.7%0.19%0.02%1.5%95.9%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Planters Bank IncCohort median
20212026Change20212026Change
Loans$998M$1.47B+48%$823M$1.09B+32%
Deposits$1.10B$1.71B+56%$1.17B$1.41B+20%
NPA / loans0.11%0.11%+0.00 pts0.52%0.28%-0.24 pts
Efficiency40.2%51.1%+11.0 pts59.8%57.8%-2.1 pts
ROA1.93%1.27%-0.65 pts1.07%1.22%+0.15 pts

This read was prepared for Planters Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Planters Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KY banks $1B to $3B
Institution www.plantersbankonline.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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