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Planters and Citizens Bank

Camilla, GA · Cert 10072 · P&C Bank Shares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Planters and Citizens Bank

Camilla, GA · Cert 10072 · P&C Bank Shares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$139.2MAssets
$89.6MLoans
$117.3MDeposits
$12.0MEquity
Loan mix
79%RE $54.4M17%C&I $12.0M4%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $73.3M37%Noninterest $44.0MQ2 2025Q2 2026

NIM

4.88%Q2 ’245.28%Q2 ’255.17%Q2 ’26-5%+3%

Non-interest income vs. expense

3.08%Q2 ’242.82%Q2 ’253.16%Q2 ’26-7%+15%

Market Position · Albany, GA · 2026 SOD (annual) · 0.1% share · #15 of 15 inst. · $0.0B of $3.3B

24.9% Mitchell
1.5% Worth

Executive Summary

  • Earnings: ROA of 0.66%, down 10 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.06% of loans (-61 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.54%, up 16 bps from a year ago.
  • Funding: loans stand at 76.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+10 bps YoY

Efficiency Ratio (YTD, annualized)

77.98%+718 bps YoY

Tier 1 Leverage Ratio

10.54%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.69%0.67%0.36%0.66%-10 bps
Return on Equity10.70%9.52%9.05%4.45%8.04%-266 bps
Net Interest Margin3.56%3.29%3.26%3.67%3.66%+10 bps
Efficiency Ratio70.81%73.93%75.89%88.55%77.98%+718 bps
Non-Interest Burden2.40%2.33%2.38%3.20%2.76%+37 bps
Growth
Asset Growth (YoY)7.51%7.06%3.70%0.88%-3.50%-1,102 bps
Loan Growth (YoY)11.70%2.61%-5.24%2.11%5.79%-591 bps
Deposit Growth (YoY)4.66%4.53%2.33%-0.07%-5.15%-980 bps
Asset Quality
Nonperforming Loans / Loans0.67%0.69%0.29%0.09%0.06%-61 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.45%1.54%1.55%1.44%1.41%-4 bps
Allowance Coverage of NPLs2.2x2.3x5.3x15.9x24.3x+22.2x
Capital
Tier 1 Leverage Ratio10.38%9.78%9.87%10.38%10.54%+16 bps
Total Risk-Based Capital10.38%9.78%9.87%10.38%10.54%+16 bps
Equity / Assets7.26%7.62%8.04%8.02%8.59%+133 bps
Liquidity & Funding
Loans / Deposits68.52%63.56%63.29%68.65%76.42%+790 bps
Liquid Assets / Assets5.35%6.50%7.63%7.75%3.67%-168 bps
CRE / Total Capitaln/a234%219%212%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Planters and Citizens Bank

Camilla, GA · Cert 10072 · Peer group: banks under $1B in assets in GA (n=58-59) · P&C Bank Shares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$139.2MAssets
$89.6MLoans
$117.3MDeposits
$12.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets in GA (rank 11 of 58).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in GA (rank 53 of 59).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.68%

Rank 48 of 59

Net Interest Margin

3.66%

Rank 45 of 59

Efficiency Ratio

77.98%

Rank 51 of 59

Equity / Assets

8.59%

Rank 50 of 59

Non-interest income vs. expense

$0.6M$4.6MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 15% of banks under $1B in assets in GA
Bank 77.98%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.94%1.46%1.76%Beats 19%48 / 59
Return on Equity7.92%7.92%11.60%15.10%Beats 24%45 / 59
Net Interest Margin3.66%3.66%4.24%4.75%Beats 24%45 / 59
Efficiency Ratio77.98%51.87%60.25%70.24%Beats 15%51 / 59
Asset Quality
Nonperforming Loans / Loans0.06%0.10%0.36%0.89%Beats 83%11 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 79%14 / 58
Capital
Tier 1 Capital Ratio10.54%11.93%15.65%21.05%Beats 14%51 / 59
Total Risk-Based Capital Ratio10.54%12.05%15.77%22.26%Beats 10%53 / 59
Equity / Assets8.59%9.10%11.51%14.32%Beats 15%50 / 59
Liquidity & Funding
Loans / Deposits76.42%59.62%72.81%85.44%55th pctl26 / 58
Loans / Assets64.39%49.55%64.39%73.73%49th pctl30 / 59
Brokered Deposits / Depositsn/aNot reported for this institution