Planters Bank&Trust Co (FDIC #8235): Bank Stress & Real-Estate Credit Exposure
Planters Bank&Trust Co (FDIC Cert #8235): bank stress 59/100, moderate, STABLE over 7 days; parent PLANTERS HOLDING CO.
Planters Bank&Trust Co (#8235) lends in 18 counties across 4 states; Planters Bank&Trust Co (#8235) reaches 230 ZIP codes: Mississippi 9 counties, 82 ZIPs; Louisiana 7 counties, 84 ZIPs; Tennessee 1 county, 41 ZIPs; Texas 1 county, 23 ZIPs.
Planters Bank&Trust Co (#8235) largest markets: Shelby County, TN (41 branches, 41 ZIPs) (#8235), Caddo County, LA (26 branches, 26 ZIPs) (#8235), Smith County, TX (23 branches, 23 ZIPs) (#8235), Orleans County, LA (20 branches, 20 ZIPs) (#8235), Bolivar County, MS (36 branches, 18 ZIPs) (#8235), Sunflower County, MS (80 branches, 16 ZIPs) (#8235).
Planters Bank&Trust Co (#8235) reports $2.71 billion in total assets; Planters Bank&Trust Co (#8235) equity $313.3 million (11.6% of Planters Bank&Trust Co (#8235) assets); Planters Bank&Trust Co (#8235) domestic deposits $2.28 billion; Planters Bank&Trust Co (#8235) net income $16.4 million; Planters Bank&Trust Co (#8235) return on assets 1.32%; Planters Bank&Trust Co (#8235) return on equity 11.63%; Planters Bank&Trust Co (#8235) net interest income $45.8 million; Planters Bank&Trust Co (#8235) call report June 30, 2026.
Planters Bank&Trust Co (#8235) noncurrent real-estate loans 0.03% of its book; Planters Bank&Trust Co (#8235) residential -0.04%; Planters Bank&Trust Co (#8235) net charge-offs on real estate 0.68%; Planters Bank&Trust Co (#8235) residential charge-offs 0.68%.
Planters Bank&Trust Co (#8235) net interest margin 3.98% against an eight-quarter Planters Bank&Trust Co (#8235) average of 3.03% (Planters Bank&Trust Co (#8235) compression -0.95 points); Planters Bank&Trust Co (#8235) real-estate loans 2.7% of equity; Planters Bank&Trust Co (#8235) non-residential real estate 68.1% of equity; Planters Bank&Trust Co (#8235) rate-exposure score 40/100, Planters Bank&Trust Co (#8235) fixed-rate trap 40/100; Planters Bank&Trust Co (#8235) risk type credit driven; Planters Bank&Trust Co (#8235) rate regime rates elevated, Planters Bank&Trust Co (#8235) snapshot October 20, 2026.
Planters Bank&Trust Co (#8235) stress score moved from 56.5 on June 22, 2026 to 58.7 on October 20, 2026; Planters Bank&Trust Co (#8235) ranged 56.5 to 58.7 over 117 snapshots.
Planters Bank&Trust Co (#8235) alerts: 18 counties; top Planters Bank&Trust Co (#8235) alert scores: Tunica County, MS 43 (moderate); Sunflower County, MS 41 (moderate); Batesville County, MS 21 (low); Bossier City County, MS 21 (low); Clarksdale County, MS 21 (low).