BlastPoint's Banking Scorecard
Planters First Bank
Cordele, GA
7 branches across GA
Planters First Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 28.7% in tier
- + ROA 0.39% above tier average
- + Efficiency Ratio 4.49% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$466.2M
+7.2% YoY
+2.8% QoQ
|
+$80.1M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$306.0M
+6.6% YoY
-0.8% QoQ
|
+$50.3M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$421.7M
+6.5% YoY
+3.1% QoQ
|
+$93.7M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.66%
-3.7% YoY
-3.1% QoQ
|
+0.39% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.68%
+6.2% YoY
-2.3% QoQ
|
+0.75% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 13.4% in tier |
| Efficiency Ratio ? |
60.80%
-4.2% YoY
-2.0% QoQ
|
-4.49% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
1.40%
+116.8% YoY
+15.5% QoQ
|
+0.51% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
72.57%
+0.1% YoY
-3.9% QoQ
|
-4.07% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
42.58%
+8.6% YoY
-2.2% QoQ
|
+20.57% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 3.6% in tier |
| Nonperforming Asset Ratio ? |
0.92%
+115.6% YoY
+11.4% QoQ
|
+0.28% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
14.09%
+2.1% YoY
+0.0% QoQ
|
-1.74% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.19%
-24.2% YoY
-78.4% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
83% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.