Small loans
Its typical loan was $75,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest of them. Refinances made up 54.7% of its loans and purchases 32.6%.
Applications / Mortgage Analytics / Lenders / Mississippi / Planters Bank & Trust Company
Planters Bank & Trust Company
Indianola, MS · State non-member bank · FDIC · $2.1 billion assets · 435 loans in 2025
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435
loans originated, 2025
555
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Planters Bank & Trust Company, of Indianola, Mississippi, makes small loans, and far more of them go to majority-minority and poorer neighborhoods than at banks like it.
Where it lends
Majority-minority neighborhoods took 66.0% of its loans, against 6.7% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 33.3%, against 15.7%. Both shares were higher than at nearly all its peers. The markets it serves may account for this. Its largest is non-metro Mississippi, where it ranked 32 of 438 lenders.
Gaining in New Orleans and Memphis
In New Orleans-Metairie its share rose from 0.3% to 0.7%, ranking it 29 of 371. In Memphis its share also rose.
More loans, more money
It made 435 loans, up 7% from 407, near the middle of similar lenders, though below the 766 it made in 2018. The money it lent rose from $52.1 million to $89.6 million.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
435 loans in 2025, against a peak of 766 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Planters Bank & Trust Company took 555 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.7% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 54.7% · Purchase 32.6% · Home improvement 9.2% · Other 3.4%
Conventional 100.0% · of 435 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
7 states, 13 metros, 38 counties
| State | Loans | Share |
|---|---|---|
| Mississippi | 348 | 80.0% |
| Tennessee | 45 | 10.3% |
| Louisiana | 31 | 7.1% |
| Arkansas | 7 | 1.6% |
| Alabama | 2 | 0.5% |
| Florida | 1 | 0.2% |
| Georgia | 1 | 0.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Memphis | 65 |
| New Orleans-Metairie | 21 |
| Hammond | 5 |
| Slidell-Mandeville-Covington | 4 |
| Jackson | 3 |
| Gulfport-Biloxi | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Baton Rouge | 1 |
| Clarksville | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PGV74J5SPHTG47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 972648 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38235 | 2017–2017 |
Established 10 April 1920. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Planters Bank & Trust Company's data.
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