BlastPoint's Banking Scorecard
Planters First Bank
Cordele, GA
7 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 +9.5% year over year ($439.8M on the books).
- Delinquency rate 1.43%.
- Return on assets 1.68%.
- Efficiency ratio 60.82% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.27% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Planters First Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 39.6% in tier
- + ROA 0.36% above tier average
- + Efficiency Ratio 3.65% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$485.7M
+9.7% YoY
+4.2% QoQ
|
+$99.1M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$304.7M
+1.3% YoY
-0.4% QoQ
|
+$46.3M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$439.8M
+9.5% YoY
+4.3% QoQ
|
+$113.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
1.68%
+7.0% YoY
+1.4% QoQ
|
+0.36% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
4.61%
-0.5% YoY
-1.5% QoQ
|
+0.62% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
60.82%
-2.7% YoY
+0.0% QoQ
|
-3.65% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
1.43%
-25.7% YoY
+2.4% QoQ
|
+0.51% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
69.27%
-7.5% YoY
-4.5% QoQ
|
-8.68% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
39.92%
-3.0% YoY
-6.3% QoQ
|
+17.89% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.90%
-31.4% YoY
-2.2% QoQ
|
+0.23% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.11%
+2.9% YoY
+0.2% QoQ
|
-1.80% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.39%
-16.3% YoY
+107.8% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
84% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
39.9%
-1.2pp YoY -2.7pp QoQ |
+17.8pp | 22.1% | 26.2% | 22.2% | 95% |
| 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 |
6.1%
-0.4pp YoY -0.6pp QoQ |
-5.5pp | 11.6% | 9.7% | 12.5% | 26% |
| CRE |
59.9%
+1.2pp YoY -0.3pp QoQ |
+20.4pp | 39.5% | 48.9% | 41.4% | 84% |
| 1-4 Family |
14.0%
-0.6pp YoY -0.7pp QoQ |
-18.7pp | 32.6% | 31.7% | 31.3% | 17% |
| Consumer |
1.9%
-0.2pp YoY 0.0pp QoQ |
-2.2pp | 4.1% | 4.8% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
+0.4pp YoY 0.0pp QoQ |
-4.7pp | 18.8% | 20.9% | 19.7% | 40% |
| Leverage Ratio |
10.7%
+0.2pp YoY +0.3pp QoQ |
-1.5pp | 12.2% | 14.0% | 12.6% | 45% |
| Total Capital Ratio |
15.4%
+0.4pp YoY 0.0pp QoQ |
-4.6pp | 19.9% | 22.1% | 20.8% | 41% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
0 YoY +1 (+1.2%) QoQ |
+22 | 58 | 98 | 482 | 77% |
| Assets per Employee ($) |
$6.0M
+9.7% YoY +2.9% QoQ |
-$1.5M | $7.5M | $7.5M | $8.8M | 34% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 6 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.4%
-0.5pp YoY 0.0pp QoQ |
+0.5pp | 0.9% | 0.8% | 1.0% | 81% |
| Allowance Coverage |
1.24x
+39.9% YoY -1.8% QoQ |
-22.91x | 24.15x | 38.10x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.9%
+0.1pp YoY +0.5pp QoQ |
+6.7pp | 12.2% | 13.6% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 14% |
| Net Income ($, YTD) |
$3.9M
+15.5% YoY — QoQ |
+$1.4M | $2.6M | $6.6M | $40.4M | 80% |
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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.