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
Unfavorable gap of $10.7M · efficiency ratio beats 46% of banks under $1B in assets in GA | 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 |