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

Planters Bank & Trust Co.

Indianola, Mississippi · $2.71B in assets · beside the 6 other Mississippi banks between $1B and $3B

The filing

60.2%
Efficiency
2nd of 7
+41.5%
Loans, year over year
2nd of 7, largest first
11.6%
Equity / assets
3rd of 7

Planters Bank & Trust Co. is the largest of the 7 Mississippi banks between $1B and $3B, with $2.71B in assets at 30 June 2026. Loans are 79.1% of deposits, 4th of 7 against a median of 79.1%, and equity is 11.6% of assets, 3rd of 7. Loans grew +41.5% in the year, 2nd of 7, and deposits grew 25.2%; the cohort's median loan growth is +9.3%.

Noncurrent loans are 0.61% of the book, 3rd of 7 against a median of 0.87%; 0.43% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.23% of loans, 6th of 7. Commercial real estate is 41.8% of loans, 3rd of 7 against a median of 41.9%, and 236% of capital, below the 300% screen, with construction at 53% against the 100% screen.

Return on assets is 1.21%, 4th of 7 against a median of 1.21%, on an efficiency ratio of 60.2%, 2nd of 7. Five years ago it was 0.80%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

The efficiency ratioMS banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 65.0% Bo Bank of Commerce 59.6% PB Planters Bank & Trust Co. 60.2% PB Priorityone Bank 60.3% CN Citizens National Bank of Meridian 65.0% SB Story Bank dba Story Finl Part 70.1% CB Citizens Bank Philadelphia Mississippi 71.1% MM Merchants & Marine Bank 75.8%
Loans, year over yearMS banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.3% MM Merchants & Marine Bank +45.5% PB Planters Bank & Trust Co. +41.5% Bo Bank of Commerce +23.0% CB Citizens Bank Philadelphia Mississippi +9.3% SB Story Bank dba Story Finl Part +8.4% CN Citizens National Bank of Meridian +5.3% PB Priorityone Bank +5.2%

SBA 7(a), FY2008 to FY2026

Planters Bank & Trust Co. is the 58th largest 7(a) lender into Mississippi of 206, with $7M across 13 loans, 0.2% of everything approved in the state (Community Bank of Mississippi leads with $460M). 5 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Mississippi, 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
Washington, MS$4M3rd of 2415.2%+1.4 pts
Caddo, LA$3M21st of 731.5%+2.5 pts
Grenada, MS$1M2nd of 1519.1%quiet FY2011
Shelby, TN$1M83rd of 1390.1%quiet FY2022
Ellis, TX$750K64th of 1030.3%thin
Bolivar, MS$730K5th of 178.0%thin
Smith, TX$454K78th of 1010.2%thin
Rankin, MS$402K49th of 650.2%quiet FY2015
Madison, MS$304K47th of 650.2%quiet FY2013
Craighead, AR$296K31st of 380.4%quiet FY2015
Ouachita, LA$150K42nd of 470.2%thin
De Soto, LA$148K9th of 112.2%-4.0 pts
Bossier, LA$75K38th of 400.1%thin
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
Health care & social assistance3$3M20.6%0.01%774th of 2,172
Accommodation & food services7$2M13.7%0.00%1319th of 2,596
Professional & technical services6$1M11.1%0.00%870th of 1,955
Manufacturing3$1M10.6%0.00%1263rd of 2,246
Construction15$1M9.4%0.00%1138th of 2,063
7(a) lenders into Mississippi, share of approvals since FY2008206 lenders on record; the ten largest and Planters Bank
CB Community Bank of Mississippi 15.3% $460M · 1,205 loans FF First Financial Bank 10.0% $300M · 1,016 loans PB Peoples Bank 8.3% $248M · 805 loans LO Live Oak Banking Company 5.7% $171M · 118 loans TB Trustmark Bank 5.1% $155M · 1,047 loans B Bankplus 4.4% $132M · 340 loans RB Renasant Bank 4.0% $119M · 232 loans TH The Huntington National Bank 3.3% $99M · 260 loans BF Bankfirst Financial Services 2.7% $80M · 200 loans SA Southern Agcredit, Flca 1.8% $54M · 37 loans PB Planters Bank and Trust Company 0.2% $7M · 13 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Planters BankRankCohort median
Total CRE against capital, the 300% screen236%3rd of 7244%
Construction against capital, the 100% screen53%2nd of 762%
Construction and land development, share of loans9.4%2nd of 710.4%
Non-owner-occupied nonfarm nonresidential, share of loans26.8%4th of 726.8%
Total CRE, the guidance definition, share of loans41.8%3rd of 741.9%
CRE growth over 36 months, the third prong+36.0%2nd of 7+41.2%

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
Planters Bank & Trust Co.$2.71B1.2%60.2%0.61%0.23%1.0%79.1%11.6%
Citizens National Bank of Meridian$1.89B1.6%65.0%0.87%0.02%1.2%81.1%10.3%
Citizens Bank Philadelphia Mississippi$1.56B0.8%71.1%0.47%0.28%1.1%67.8%5.6%
Merchants & Marine Bank$1.35B1.8%75.8%1.94%0.02%1.1%68.0%9.7%
Priorityone Bank$1.18B2.0%60.3%1.58%0.17%1.5%90.2%11.9%
Bank of Commerce$1.13B1.1%59.6%0.88%0.13%0.8%65.7%11.6%
Story Bank dba Story Finl Part$1.01B0.9%70.1%0.37%0.01%0.9%99.7%10.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Planters BankCohort median
20212026Change20212026Change
Loans$604M$1.80B+198%$604M$894M+48%
Deposits$1.17B$2.28B+95%$732M$1.03B+41%
NPA / loans1.57%0.61%-0.96 pts0.66%0.87%+0.21 pts
Efficiency65.4%60.2%-5.2 pts65.4%65.0%-0.3 pts
ROA0.80%1.21%+0.40 pts0.80%1.21%+0.40 pts

This read was prepared for Planters Bank & Trust Co.'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 & Trust Co. 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 MS banks $1B to $3B
Institution www.planters-bank.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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