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Planters and Citizens Bank

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

Camilla, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits -5.1% year over year ($117.3M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 0.66%.
  • Efficiency ratio 77.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Planters and Citizens Bank has 2 strengths but faces 3 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 15.45% above tier average
  • + Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 6.7% in tier
  • - ROA 0.66% below tier average
  • - Efficiency Ratio 13.50% above tier average
Get updates when Planters and Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $139.2M
-3.5% YoY -4.3% QoQ
-$247.4M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Bottom 11.0% in tier
Total Loans ? $88.4M
+5.8% YoY +5.5% QoQ
-$170.0M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Bottom 14.0% in tier
Total Deposits ? $117.3M
-5.1% YoY -5.3% QoQ
-$209.5M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
Bottom 10.9% in tier
Return on Assets ? 0.66%
-13.0% YoY +84.6% QoQ
-0.66% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 4.01%
+4.5% YoY +1.3% QoQ
+0.02% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 77.98%
+10.1% YoY -11.9% QoQ
+13.50% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.06%
-91.3% YoY -36.0% QoQ
-0.86% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 75.34%
+11.6% YoY +11.3% QoQ
-2.61% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 37.48%
+11.6% YoY -0.2% QoQ
+15.45% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 6.7% in tier
Nonperforming Asset Ratio ? 0.04%
-90.5% YoY -29.4% QoQ
-0.63% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 10.54%
+1.6% YoY +1.5% QoQ
-5.37% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.20%
-0.2% YoY +93.5% QoQ
-0.36% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 37.5%
+3.9pp YoY
-0.1pp QoQ
 +15.3pp 22.1% 26.2% 22.2% 93%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 15.3%
+1.8pp YoY
+1.0pp QoQ
 +3.7pp 11.6% 9.7% 12.5% 77%
CRE n/a n/a 39.5% 48.9% 41.4% n/a
1-4 Family 18.2%
+6.2pp YoY
+1.8pp QoQ
 -14.5pp 32.6% 31.7% 31.3% 26%
Consumer 2.8%
+0.1pp YoY
-0.2pp QoQ
 -1.3pp 4.1% 4.8% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 10.5%
+0.2pp YoY
+0.2pp QoQ
 -1.6pp 12.2% 14.0% 12.6% 42%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 25
+4 (+19.0%) YoY
0 QoQ
 -34 58 98 482 19%
Assets per Employee ($) $5.6M
-18.9% YoY
-4.3% QoQ
 -$2.0M $7.5M $7.5M $8.8M 24%
Branch Count 2
+1 (+100.0%) YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.1%
-0.6pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 13%
Allowance Coverage 24.33x
+1024.3% YoY
+52.8% QoQ
 +0.17x 24.15x 38.10x 20.23x 90%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 8.0%
-2.7pp YoY
+3.6pp QoQ
 -4.2pp 12.2% 13.6% 11.6% 26%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 48%
Net Income ($, YTD) $473,000
-12.7% YoY
— QoQ
 -$2.1M $2.6M $6.6M $40.4M 10%

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 (1)

Capital Thin

risk
#45 of 661 • Bottom 6.7% 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: 10.54%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

178
Non-Interest-Bearing Deposit Share
funding
Value: 37.48%
Peer Median: 22.03%
#178 of 2643 Top 6.7% in $100M-$1B
516
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#516 of 2643 Top 19.5% in $100M-$1B
579
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#579 of 2633 Top 22.0% in $100M-$1B

Top Weaknesses (6 metrics)

2357
Total Deposits
size
Value: $117.27M
Peer Median: $326.73M
#2357 of 2643 Bottom 10.9% in $100M-$1B
2352
Total Assets
size
Value: $139.17M
Peer Median: $386.57M
#2352 of 2643 Bottom 11.0% in $100M-$1B
2273
Total Loans
size
Value: $88.35M
Peer Median: $258.35M
#2273 of 2643 Bottom 14.0% in $100M-$1B
2216
Efficiency Ratio
profitability
Value: 77.98%
Peer Median: 64.48%
#2216 of 2643 Bottom 16.2% in $100M-$1B
2190
Return on Assets
profitability
Value: 0.66%
Peer Median: 1.32%
#2190 of 2643 Bottom 17.2% in $100M-$1B
2186
Tier 1 Capital Ratio
capital
Value: 10.54%
Peer Median: 15.91%
#2186 of 2643 Bottom 17.3% in $100M-$1B
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