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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

$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