At a glance
From its website, read 2 Nov 2026Planters Holding Company is a bank holding company based in Indianola, Mississippi. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (662) 884-1199 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.planters-bank.com |
| Office (official list) | PO Box 31, Indianola, MS 38751 |
What their website says about applying
Visit one of our branches to meet with a loan officer.
sourceOur simple online application process makes it easy to get started.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 27 Jul 2026 |
| RSSD ID | 1096484 |
| Address | PO Box 31, Indianola, MS 38751 Directions to the main office (Google Maps) |
| Website | www.planters-bank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and service area are not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Agricultural/Farm Loans | source |
| Auto / vehicle loans | — | Auto Loans | source |
| Commercial real estate loans | — | Commercial Real Estate | source |
| Equipment loans | — | Equipment Financing | source |
| Home repair / improvement loans | — | Home Improvement Loans | source |
| Home mortgages | — | exceptional service and competitive mortgage products | source |
| Personal / consumer loans | — | Personal Line of Credit | source |
| Small-business loans | — | Small Business Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Our simple online application process makes it easy to get started.
source
Pages read (7)
- https://www.planters-bank.com/
- https://www.planters-bank.com/business-loans-credit
- https://www.planters-bank.com/planters-bank-consumer-loans-and-home-equity-loans
- https://www.planters-bank.com/home-equity-loans-heloc
- https://www.planters-bank.com/mortgage-department
- https://www.planters-bank.com/customer-service
- https://www.planters-bank.com/treasury-services
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.4 million in 5 awards from the U.S. Treasury's CDFI Fund, 2018–2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,110,000 |
| 2022 | CDFI Program, Financial Assistance | $717,900 |
| 2021 | CDFI Program, Financial Assistance | $701,530 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2018 | CDFI Program, Financial Assistance | $1,125,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $196.4 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Planters Bank & Trust Company (FDIC cert 8235, total assets $2.7 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $2.7 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 32 in 4 states (as of 30 Oct 2026) |
Offices by state and county (32)
Mississippi (19 offices)
- Bolivar County (2): 130 North St, Cleveland 38732; 428 N Davis Ave, Cleveland 38732
- Coahoma County (1): 206 Sharkey Ave, Clarksdale 38614
- DeSoto County (2): 5771 Goodman Rd, Olive Branch 38654; 6463 Getwell Rd, Southaven 38672
- Humphreys County (1): Highway 49 And West Silver Creek Road, Louise 39097
- Leflore County (1): 915 Medallion Dr, Greenwood 38930
- Panola County (2): 1130 Highway 6 E, Batesville 38606; 456 Highway 6 E, Batesville 38606
- Sunflower County (5): 212 Catchings Ave, Indianola 38751 (main office); 521 East Early Street, Indianola 38751; 800 E Grand Ave, Inverness 38753; 118 N Ruby Ave, Ruleville 38771; 100 W Quiver St, Sunflower 38778
- Tunica County (1): 1020 S Court St, Tunica 38676
- Washington County (4): 1417 S Main St, Greenville 38701; 1645 Highway 1 S, Greenville 38701; Hinds Street And Washington Avenue, Greenville 38701; 1002 Highway 82 E, Leland 38756
Louisiana (11 offices)
- Bossier Parish (1): 1837 Swan Lake Road, Bossier City 71111
- Caddo Parish (1): 4855 Line Ave, Shreveport 71106
- Madison Parish (1): 115 N Chestnut St, Tallulah 71282
- Orleans Parish (1): 935 Gravier Street, New Orleans 70112
- Ouachita Parish (3): 1401 Hudson Ln, Monroe 71201; 167 Keystone Rd, Monroe 71203; 400 Mcmillan Rd, West Monroe 71291
- Richland Parish (1): 1913 Julia St, Rayville 71269
- Tangipahoa Parish (1): 201 Nw Railroad Ave, Hammond 70401
- Tensas Parish (2): 3144 Highway 65, Newellton 71357; 307 Plank Rd, Saint Joseph 71366
Tennessee (1 office)
- Shelby County (1): 7575 Poplar Ave, Germantown 38138
Texas (1 office)
- Smith County (1): 4801 Old Jacksonville Hwy, Tyler 75703
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Planters Bank & Trust Company (RSSD 972648, FDIC cert 8235), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.80 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 41.5% from $1.27 billion on 30 Jun 2025 |
| Total assets | $2.71 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $362.4 million | 20.1% |
| Home equity lines of credit | $67.3 million | 3.7% |
| Commercial real estate, construction and multifamily | $960.9 million | 53.3% |
| Commercial and industrial (business) loans | $185.8 million | 10.3% |
| Farmland and farm production loans | $167.3 million | 9.3% |
| Consumer loans (credit cards, auto, other) | $27 million | 1.5% |
| All other loans and leases | $32.8 million | 1.8% |
Within consumer loans: auto loans $5.1 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 236 loans $9.7 million | 1,003 loans $24.5 million |
| $100,001 to $250,000 | 200 loans $25.3 million | 275 loans $29.3 million |
| $250,001 to $1 million | 285 loans $123.3 million | 152 loans $54.1 million |
| All small business loans | 721 loans $158.4 million | 1,430 loans $107.9 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 61 loans $2.4 million | 174 loans $4.7 million |
| $100,001 to $250,000 | 49 loans $5.8 million | 80 loans $7 million |
| $250,001 to $500,000 | 23 loans $5.8 million | 53 loans $13 million |
| All small farm loans | 133 loans $13.9 million | 307 loans $24.7 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Planters Holding Company as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Planters Bank & Trust Company: 435 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $2.71 billion | Larger than 89% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 67% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.27 billion → $1.80 billion (+41%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 9 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 89% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 9 → 9 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Planters Bank & Trust Company is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Indianola and Mississippi
- Planters Bank & Trust CompanyBank or thrift · Indianola, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
Work at Planters Holding Company? Link to this page
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