Planters Bank, Inc.: how it compares with its peers
Against 13 KY banks with half to twice its assets, Planters Bank, Inc.'s strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.24% vs. 3.81%).
| Measure | Planters Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.18% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.24% | 3.81% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.14% | 62.36% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $6.5M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.71% | 78.72% | Context |
What it means for lending operations
Its efficiency ratio of 51.14% is better than the 62.36% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Heritage Bank, Inc. Burlington, KY · $1.99B
- Whitaker Bank Lexington, KY · $1.93B
- South Central Bank, Inc. Glasgow, KY · $2.26B
- Forcht Bank, National Association Lexington, KY · $1.65B
- The Cecilian Bank Cecilia, KY · $1.59B
- Traditional Bank, Inc. Mount Sterling, KY · $2.44B
Questions about Planters Bank, Inc.
How big is Planters Bank, Inc.?
Planters Bank, Inc., established in 1996, is headquartered in Hopkinsville, KY. It reported $1.96B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Planters Bank, Inc.'s return on assets?
1.28% annualized in Q2 2026, against a 1.18% median for 13 KY banks with half to twice its assets, ahead of 54% of them.
What is Planters Bank, Inc.'s efficiency ratio?
51.14% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 62.36%, and lower is better.
Is Planters Bank, Inc. growing its loans?
Net loans shrank 3.3% over the year to Q2 2026, while deposits grew 5.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.