# PLANTERS BANK INC
HOPKINSVILLE, KY · FDIC certificate 34254 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.96B | |
| Deposits | $1.71B | |
| Loans and leases | $1.47B | |
| Total equity | $231.6M | |
| Loans / deposits | 84.71% (p44 of band) | 87.10% |
| Liquid assets / assets | 22.63% (p56 of band) | |
| Uninsured deposits / deposits | 38.69% (p70 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.26% (p17 of band) | |
| FHLB advances / assets | 0.26% | |
| Tier 1 leverage | 12.45% (p80 of band) | 10.50% |
| Unrealized securities loss / equity | -7.67% (p51 of band) | -7.75% |
| AOCI / equity | -0.97% (p19 of band) | |
| ROA (annualized) | 1.28% (p53 of band) | 1.26% |
| Net interest margin | 3.24% (p24 of band) | 3.70% |
| Efficiency ratio | 51.14% (p26 of band) | |
| Noncurrent loans | 0.11% (p15 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 1248.19% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 96.86% (p86 of band) | |
| Auto loans | $5.7M (0.38% of loans; DQ 0.12%, NCO 0.00%) | |
| Loans to nondepository financials | $1.5M (1% of equity) (p75 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 199 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | brokered >10% |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | brokered >10%, construction >100% equity |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | brokered >10% |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | brokered >10% |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | brokered >10% |
| 2018-06 | 1 |  | wholesale funding >15% |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | wholesale funding >15% |
| 2019-09 | 2 | wholesale funding >15% |  |
| 2019-12 | 1 |  | wholesale funding >15% |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 | uninsured deposits >50% | capital falling |
| 2022-09 | 3 | run vulnerability |  |
| 2022-12 | 2 | capital falling | uninsured deposits >50%, run vulnerability |
| 2023-03 | 3 | wholesale funding >15% |  |
| 2023-06 | 4 | brokered >10% |  |
| 2023-09 | 3 | uninsured deposits leaving | wholesale funding >15%, brokered >10% |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | NIM <2.5% |  |
| 2024-06 | 2 |  | capital falling, NIM <2.5% |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-11-10 [Planters Bank adds new board member - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOd2JBYkJRRlpjTnR3RURTc2lBNVBGWklqLVV4Q1VCNWJWM2hXNGRaS2hhMnVPRnRWVE9WZmVsSW5PM3IwaFdPN1BOek5nTmQyNlJrX2hNNFY2THkxXzdZV1VPaEJqSE1XZGdaY2lPTlB1dkZWVHdkQ0FWcjVFMVNzb19NbmFEMm5qeFZhSGdIME5sV3pXVU9TSE1fQnlDSTJrZUZYYUczVWRhS3N2aV9HYzhPNHFRcTJCQTE1QmVYdjRsMF9oWWJDVGNNc2FuSUEtT0h0WjZSeEhpT0E?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2026-06-23 [Four Northern Kentuckians named among Leadership Kentucky’s 52-member Class of 2026 - Northern Kentucky Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxOMV9SSUNYZWRTeXEwRGxmb2FRNDZ4V0tMMS03Uy1yRjh0S2FxVy04cEFFYVlBa0RRRFZvSUZfZ2g3YzU0X00wZzgyUTJKRXdScWdfQktidkl5TU4xV2lVcDZDYnZINXNpcnRSRG1CaW0xVnQ5RmRfdnZnUTRZeEI1UFVhUWJMMWtpbDJrRkdHMlQ2a3ZmaVY1cFBiZG1mbFJIM253VUNDeWRSWXlQRFBlVVlmNEc?oc=5) · Northern Kentucky Tribune
- 2024-06-18 [Four area residents selected for 2024 Leadership Kentucky class - WPSD Local 6](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOX3N0RkRYX1N3eDJWQjVSOHBKLUwyWFdWQlcxWHAxU0pCWDZsQnN3OElDbDJXS2hmWTh2dWJOSXZqdWQ2VU04MXZvUDczWUhsNkxGUFhNM0xZT3Zud2ZLZUhNOWl6allTQ1FLLXA2Rmp2Zi1RZ3hRNjJXQi15V3FlUW11OENldlhnMTJISldkbkFCTHlIekZVMm5kNWE4ZUJYQl94Z0tnMlAtN2V1Sy04b1l2OEw3NENrSzZhWFk3VV9XWDliM2JRbExZRk5BazQ2c01EeVZUX2FLeGJSUmc?oc=5) · WPSD Local 6
- 2022-10-10 [Condrad Daniels of HJI Supply Chain Solutions Elected 2023 Chair of the Kentucky Chamber of Commerce Foundation - kychamberbottomline.com](https://news.google.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?oc=5) · kychamberbottomline.com
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2026-05-01 [Leadership Kentucky announces ELEVATE Kentucky 2026 class - floydct.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQS3VTLTYyZnU2ZGZreGpFZFNGV21NVy1QeExuYVVpVURReGJlTFpNTk1Nc2syeTZUcFQ3Yjl4aXZ1N1NZd0FqTGkycWhuczVIY3IzVTBNTkd1dGVBYU8zT1RSZ3c0MXlhenBXbGl3QTNCZUR5a25ja1pxeFJBVGNsSVNUWmg2NUs0M2NiaXNkUW9FSkc5bFZiblJwUGJQa3JqMXdMdUxMRVZkWjhvWWpKN25iRHNTWElKVGk1Nzk2RjhBTUx6WFNPcjZsRFpIenpJSkE?oc=5) · floydct.com
- 2022-10-05 [Kevin Smith of Beam Suntory Elected 2023 Chair of the Kentucky Chamber of Commerce - kychamberbottomline.com](https://news.google.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?oc=5) · kychamberbottomline.com
- 2022-10-11 [Condrad Daniels to succeed Candace McGraw as KY Chamber Foundation chair; Guilfoyle elected to board - Northern Kentucky Tribune](https://news.google.com/rss/articles/CBMiywFBVV95cUxNTHlMTjA5Ylc3bjlscGM5aHRtVFBNS255TW1FVmlxV1AtVDlNUHBKQ0xBUXN5ZlRzUFVibUNqeDNJREVCdTVJVmlybzByLVcxbExraW1MRVlwVU1RS3NJVjcxZ2w4cG9EbHBraThKMHpOV1l0aS1obUZBeHZUVlRlQjdCcjRnQ3QteEVqbGRuQUJIZElSeHJZSVFLMWtNU1RkM1Y3TFRyZkFXVVpfTktuc3FfMEpZaDVpbGRiOHE0cEN0TllodTBmMlRNVQ?oc=5) · Northern Kentucky Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34254 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "34254", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide