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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.54% | 1.40% | 1.16% | 1.53% | 1.47% | 1.35% | 1.38% | +22 bps | |
| Return on Equity | 16.26% | 18.45% | 16.88% | 13.66% | 17.00% | 15.81% | 14.91% | 15.65% | +198 bps | |
| Net Interest Margin | 3.98% | 4.05% | 4.01% | 4.45% | 4.41% | 4.58% | 4.30% | 4.39% | -6 bps | |
| Efficiency Ratio | 65.45% | 62.64% | 63.45% | 61.68% | 60.95% | 62.19% | 60.80% | 60.85% | -84 bps | |
| Non-Interest Burden | 2.25% | 2.07% | 2.18% | 2.40% | 2.37% | 2.53% | 2.32% | 2.32% | -8 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 | 0.06% | -0.03% | -0.01% | 0.00% | -0.03% | 0.56% | 0.01% | 0.34% | +34 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 | |