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Planters First Bank

Cordele, GA · Cert 9064 · Planters First Bcorp

State charter, non-member · FDIC · 7 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

46

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 First Bank

Cordele, GA · Cert 9064 · Planters First Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$485.7MAssets
$310.1MLoans
$439.8MDeposits
$42.6MEquity
Loan mix
91%RE $272.2M7%C&I $20.2M2%Consumer $6.1MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $264.2M40%Noninterest $175.6MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.27%Q2 ’255.40%Q2 ’26+6%+4%

Non-interest income vs. expense

3.16%Q2 ’243.21%Q2 ’253.15%Q2 ’26+4%+2%

Market Position · Warner Robins, GA · 2026 SOD (annual) · 2.0% share · #10 of 13 inst. · $0.1B of $2.9B

39.2% Crisp
56.8% Pulaski
2.3% Houston
39.2% Irwin

Executive Summary

  • Earnings: ROA of 1.36%, up 9 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 1.41% of loans (-49 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 10.71%, up 19 bps from a year ago.
  • Funding: loans stand at 70.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+16 bps YoY

Efficiency Ratio (YTD, annualized)

60.82%-170 bps YoY

Tier 1 Leverage Ratio

10.71%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.37%1.40%1.35%1.36%+9 bps
Return on Equity15.24%15.78%15.93%14.91%15.25%+1 bps
Net Interest Margin4.20%4.20%4.31%4.30%4.36%+16 bps
Efficiency Ratio62.53%61.99%62.04%60.80%60.82%-170 bps
Non-Interest Burden2.28%2.27%2.34%2.32%2.33%+5 bps
Growth
Asset Growth (YoY)4.27%4.59%6.78%7.21%9.70%+543 bps
Loan Growth (YoY)9.94%12.99%12.66%6.82%1.33%-862 bps
Deposit Growth (YoY)3.29%3.63%5.76%6.49%9.45%+616 bps
Asset Quality
Nonperforming Loans / Loans1.89%1.80%1.19%1.37%1.41%-49 bps
Net Charge-Offs / Loans0.00%-0.01%0.13%0.01%0.17%+18 bps
Allowance / Loans1.68%1.69%1.63%1.74%1.74%+7 bps
Allowance Coverage of NPLs0.9x0.9x1.4x1.3x1.2x+0.4x
Capital
Tier 1 Leverage Ratio10.52%10.71%10.54%10.45%10.71%+19 bps
Total Risk-Based Capital14.97%15.36%15.34%15.34%15.37%+39 bps
Equity / Assets8.58%9.47%9.14%8.92%8.77%+19 bps
Liquidity & Funding
Loans / Deposits76.16%78.85%76.73%73.85%70.50%-565 bps
Liquid Assets / Assets5.65%3.58%7.25%8.95%11.13%+548 bps
CRE / Total Capitaln/a370%389%383%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 First Bank

Cordele, GA · Cert 9064 · Peer group: banks under $1B in assets in GA (n=58-59) · Planters First Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$485.7MAssets
$310.1MLoans
$439.8MDeposits
$42.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 73% of banks under $1B in assets in GA (rank 16 of 59).
  • Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in GA (rank 51 of 58).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.31%

Rank 36 of 59

Net Interest Margin

4.36%

Rank 28 of 59

Efficiency Ratio

60.82%

Rank 33 of 59

Equity / Assets

8.77%

Rank 49 of 59

Non-interest income vs. expense

$3.8M$14.4MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 46% of banks under $1B in assets in GA
Bank 60.82%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.94%1.46%1.76%Beats 39%36 / 59
Return on Equity14.99%7.92%11.60%15.10%Beats 73%16 / 59
Net Interest Margin4.36%3.66%4.24%4.75%Beats 51%28 / 59
Efficiency Ratio60.82%51.87%60.25%70.24%Beats 46%33 / 59
Asset Quality
Nonperforming Loans / Loans1.41%0.10%0.36%0.89%Beats 16%50 / 58
Net Charge-Offs / Loans0.10%0.00%0.02%0.05%Beats 14%51 / 58
Capital
Tier 1 Capital Ratio14.11%11.93%15.65%21.05%Beats 41%35 / 59
Total Risk-Based Capital Ratio15.37%12.05%15.77%22.26%Beats 42%34 / 59
Equity / Assets8.77%9.10%11.51%14.32%Beats 17%49 / 59
Liquidity & Funding
Loans / Deposits70.50%59.62%72.81%85.44%45th pctl32 / 58
Loans / Assets63.85%49.55%64.39%73.73%47th pctl31 / 59
Brokered Deposits / Depositsn/aNot reported for this institution