Planters First Bank
Total assets
$485.7M
▲ +9.7% YoY
Deposits
$439.8M
▲ +9.5% YoY
Loans
$304.7M
▲ +1.3% YoY
Offices
7
PLANTERS FIRST BCORP
ROA (annualized)
1.68%
peers 1.24%
ROE (annualized)
18.85%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Planters First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.4% | +5.3 pts |
| Deposit growth (YoY) | +9.4% | +4.0% | +5.5 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 1.68% | 1.24% | +0.4 pts |
| ROE | 18.9% | 11.9% | +7.0 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
Profile
- Established
- 1896
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PLANTERS FIRST BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 1620 E 16th Ave, Cordele, GA, 31015
- County
- Crisp
- Metro area
- Cordele, GA
- Offices
- 7
- FDIC cert #
- 9064
- RSSD ID
- 300933
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $485.7M | $439.8M | $304.7M | $42.6M | $3.9M | 1.68% | 4.61% | 0.90% |
| Q1 2026 | $466.2M | $421.7M | $306.0M | $41.6M | $1.9M | 1.66% | 4.68% | 0.92% |
| Q4 2025 | $453.4M | $408.8M | $308.6M | $41.4M | $7.5M | 1.71% | 4.80% | 0.82% |
| Q3 2025 | $442.7M | $398.0M | $308.5M | $41.9M | $5.5M | 1.69% | 4.73% | 1.28% |
| Q2 2025 | $442.8M | $401.9M | $300.9M | $38.0M | $3.4M | 1.57% | 4.63% | 1.31% |
| Q1 2025 | $434.9M | $396.0M | $287.0M | $36.5M | $1.9M | 1.72% | 4.41% | 0.43% |
| Q4 2024 | $424.6M | $386.5M | $274.0M | $34.6M | $7.3M | 1.72% | 4.45% | 0.08% |
| Q3 2024 | $423.3M | $384.1M | $273.4M | $36.1M | $5.2M | 1.66% | 4.43% | 0.09% |
Loan mix (Q2 2026): real estate $269.5M · commercial $18.4M · consumer $5.9M · securities $64.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Planters First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 62.9% | 44th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Planters First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Planters First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Planters First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Planters First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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