BlastPoint's Banking Scorecard

Planters and Citizens Bank

$100M-$1B Specialty: Agricultural GA FDIC cert 10072

Camilla, GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Planters and Citizens Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 15.53% above tier average
+ Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 10.2% in tier
- Efficiency Drag: Bottom 16.9% in tier
- Capital Thin: Bottom 19.5% in tier
- Return on Assets 0.91% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$145.5M +0.9% YoY +0.0% QoQ	-$240.6M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Bottom 13.0% in tier
Total Loans ?	$83.8M +2.1% YoY +8.8% QoQ	-$171.9M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Bottom 13.0% in tier
Total Deposits ?	$123.8M -0.1% YoY +0.2% QoQ	-$204.2M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Bottom 13.0% in tier
Return on Assets ?	0.36% -50.9% YoY -46.5% QoQ	-0.91%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Bottom 9.5% in tier
Net Interest Margin ?	3.96% +6.1% YoY +6.4% QoQ	+0.03%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	88.55% +18.9% YoY +16.7% QoQ	+23.26%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Bottom 7.6% in tier
Delinquency Rate ?	0.09% -86.9% YoY -69.2% QoQ	-0.80%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	67.66% +2.2% YoY +8.6% QoQ	-8.97%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	37.55% -8.1% YoY -19.9% QoQ	+15.53%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 6.9% in tier
Nonperforming Asset Ratio ?	0.05% -86.7% YoY -66.5% QoQ	-0.59%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	10.38% +4.2% YoY +5.2% QoQ	-5.45%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Bottom 14.8% in tier
Non-Interest Income / Assets ?	0.11% +1.1% YoY -74.4% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk

#53 of 512 • Bottom 10.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.36%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#71 of 414 • Bottom 16.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.55%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Capital Thin

risk

#131 of 666 • Bottom 19.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.38%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

186

Non-Interest-Bearing Deposit Share

funding

Value: 37.55%

Peer Median: 22.02%

#186 of 2664 Top 6.9% in $100M-$1B

605

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#605 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (6 metrics)

2462

Efficiency Ratio

profitability

Value: 88.55%

Peer Median: 65.29%

#2462 of 2664 Bottom 7.6% in $100M-$1B

2412

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.27%

#2412 of 2664 Bottom 9.5% in $100M-$1B

2320

Total Loans

size

Value: $83.77M

Peer Median: $255.72M

#2320 of 2664 Bottom 13.0% in $100M-$1B

2319

Total Deposits

size

Value: $123.81M

Peer Median: $327.97M

#2319 of 2664 Bottom 13.0% in $100M-$1B

2319

Total Assets

size

Value: $145.49M

Peer Median: $386.08M

#2319 of 2664 Bottom 13.0% in $100M-$1B

2271

Tier 1 Capital Ratio

capital

Value: 10.38%

Peer Median: 15.83%

#2271 of 2664 Bottom 14.8% in $100M-$1B