| Metric | Planters Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.5 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.1 pts |
| Loan growth (YoY) | -3.3% | +5.9% | -9.2 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 10.9% | 12.2% | -1.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.96B | $1.71B | $1.45B | $231.6M | $12.5M | 1.28% | 3.24% | 0.56% |
| Q1 2026 | $1.93B | $1.68B | $1.43B | $228.6M | $6.1M | 1.25% | 3.21% | 0.54% |
| Q4 2025 | $1.95B | $1.70B | $1.44B | $225.0M | $22.1M | 1.17% | 3.13% | 0.58% |
| Q3 2025 | $1.91B | $1.66B | $1.49B | $219.3M | $15.3M | 1.09% | 3.09% | 1.09% |
| Q2 2025 | $1.89B | $1.63B | $1.50B | $209.4M | $10.1M | 1.08% | 3.05% | 0.14% |
| Q1 2025 | $1.87B | $1.59B | $1.52B | $204.9M | $5.0M | 1.07% | 2.97% | 0.16% |
| Q4 2024 | $1.85B | $1.58B | $1.53B | $197.4M | $16.7M | 0.92% | 2.68% | 0.16% |
| Q3 2024 | $1.85B | $1.56B | $1.52B | $197.4M | $11.6M | 0.85% | 2.57% | 0.46% |
Loan mix (Q2 2026): real estate $1.21B · commercial $220.2M · consumer $14.3M · securities $297.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Planters Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 59.0% | 26th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Planters Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Planters Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Planters Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Planters Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.