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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.37% | 1.40% | 1.35% | 1.36% | +9 bps | |
| Return on Equity | 15.24% | 15.78% | 15.93% | 14.91% | 15.25% | +1 bps | |
| Net Interest Margin | 4.20% | 4.20% | 4.31% | 4.30% | 4.36% | +16 bps | |
| Efficiency Ratio | 62.53% | 61.99% | 62.04% | 60.80% | 60.82% | -170 bps | |
| Non-Interest Burden | 2.28% | 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 / Loans | 1.89% | 1.80% | 1.19% | 1.37% | 1.41% | -49 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.13% | 0.01% | 0.17% | +18 bps | |
| Allowance / Loans | 1.68% | 1.69% | 1.63% | 1.74% | 1.74% | +7 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 1.4x | 1.3x | 1.2x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.52% | 10.71% | 10.54% | 10.45% | 10.71% | +19 bps | |
| Total Risk-Based Capital | 14.97% | 15.36% | 15.34% | 15.34% | 15.37% | +39 bps | |
| Equity / Assets | 8.58% | 9.47% | 9.14% | 8.92% | 8.77% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.16% | 78.85% | 76.73% | 73.85% | 70.50% | -565 bps | |
| Liquid Assets / Assets | 5.65% | 3.58% | 7.25% | 8.95% | 11.13% | +548 bps | |
| CRE / Total Capital | n/a | 370% | 389% | 383% | n/a | n/a | |