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
Unfavorable gap of $4.0M · efficiency ratio beats 15% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.94% | 1.46% | 1.76% | Beats 19% | 48 / 59 | |
| Return on Equity | 7.92% | 7.92% | 11.60% | 15.10% | Beats 24% | 45 / 59 | |
| Net Interest Margin | 3.66% | 3.66% | 4.24% | 4.75% | Beats 24% | 45 / 59 | |
| Efficiency Ratio | 77.98% | 51.87% | 60.25% | 70.24% | Beats 15% | 51 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.10% | 0.36% | 0.89% | Beats 83% | 11 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 79% | 14 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 10.54% | 11.93% | 15.65% | 21.05% | Beats 14% | 51 / 59 | |
| Total Risk-Based Capital Ratio | 10.54% | 12.05% | 15.77% | 22.26% | Beats 10% | 53 / 59 | |
| Equity / Assets | 8.59% | 9.10% | 11.51% | 14.32% | Beats 15% | 50 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 76.42% | 59.62% | 72.81% | 85.44% | 55th pctl | 26 / 58 | |
| Loans / Assets | 64.39% | 49.55% | 64.39% | 73.73% | 49th pctl | 30 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |