Cordele, GA · Cert 9064 · Planters First Bcorp
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
33
Asset Quality
15
Profitability
54
Liquidity
91
Efficiency
46
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.
Cordele, GA · Cert 9064 · Planters First Bcorp
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Warner Robins, GA · 2026 SOD (annual) · 2.0% share · #10 of 13 inst. · $0.1B of $2.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.40% | 1.40% | 1.28% | 1.37% | 1.40% | 1.35% | 1.36% | +9 bps | |
| Return on Equity | 17.13% | 17.64% | 16.88% | 15.24% | 15.78% | 15.93% | 14.91% | 15.25% | +1 bps | |
| Net Interest Margin | 4.00% | 3.98% | 4.01% | 4.20% | 4.20% | 4.31% | 4.30% | 4.36% | +16 bps | |
| Efficiency Ratio | 64.39% | 63.93% | 63.45% | 62.53% | 61.99% | 62.04% | 60.80% | 60.82% | -170 bps | |
| Non-Interest Burden | 2.22% | 2.17% | 2.18% | 2.28% | 2.27% | 2.34% | 2.32% | 2.33% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 2.73% | 2.87% | 4.27% | 4.59% | 6.78% | 7.21% | 9.70% | +543 bps | |
| Loan Growth (YoY) | -1.80% | 1.53% | 7.35% | 9.94% | 12.99% | 12.66% | 6.82% | 1.33% | -862 bps | |
| Deposit Growth (YoY) | 0.27% | 2.02% | 1.79% | 3.29% | 3.63% | 5.76% | 6.49% | 9.45% | +616 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.13% | 0.63% | 1.89% | 1.80% | 1.19% | 1.37% | 1.41% | -49 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | 0.00% | -0.01% | 0.13% | 0.01% | 0.17% | +18 bps | |
| Allowance / Loans | 1.56% | 1.59% | 1.55% | 1.68% | 1.69% | 1.63% | 1.74% | 1.74% | +7 bps | |
| Allowance Coverage of NPLs | 11.4x | 12.5x | 2.4x | 0.9x | 0.9x | 1.4x | 1.3x | 1.2x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 10.20% | 10.33% | 10.52% | 10.71% | 10.54% | 10.45% | 10.71% | +19 bps | |
| Total Risk-Based Capital | 14.89% | 15.38% | 15.04% | 14.97% | 15.36% | 15.34% | 15.34% | 15.37% | +39 bps | |
| Equity / Assets | 8.53% | 8.15% | 8.40% | 8.58% | 9.47% | 9.14% | 8.92% | 8.77% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.32% | 72.03% | 73.62% | 76.16% | 78.85% | 76.73% | 73.85% | 70.50% | -565 bps | |
| Liquid Assets / Assets | 4.92% | 4.60% | 6.80% | 5.65% | 3.58% | 7.25% | 8.95% | 11.13% | +548 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 370% | 389% | 383% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.94% | 1.46% | 1.76% | Beats 39% | 36 / 59 | ||
| Return on Equity | 14.99% | 7.92% | 11.60% | 15.10% | Beats 73% | 16 / 59 | ||
| Net Interest Margin | 4.36% | 3.66% | 4.24% | 4.75% | Beats 51% | 28 / 59 | ||
| Efficiency Ratio | 60.82% | 51.87% | 60.25% | 70.24% | Beats 46% | 33 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.10% | 0.36% | 0.89% | Beats 16% | 50 / 58 | ||
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.02% | 0.05% | Beats 14% | 51 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.11% | 11.93% | 15.65% | 21.05% | Beats 41% | 35 / 59 | ||
| Total Risk-Based Capital Ratio | 15.37% | 12.05% | 15.77% | 22.26% | Beats 42% | 34 / 59 | ||
| Equity / Assets | 8.77% | 9.10% | 11.51% | 14.32% | Beats 17% | 49 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.50% | 59.62% | 72.81% | 85.44% | 45th pctl | 32 / 58 | ||
| Loans / Assets | 63.85% | 49.55% | 64.39% | 73.73% | 47th pctl | 31 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||