BlastPoint's Banking Scorecard
Planters and Citizens Bank
Micro
Specialty: Commercial
GA
FDIC cert 10072
Designations: ✓ Community bank
Camilla, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Planters and Citizens Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.49% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$145.4M
+3.7% YoY
-2.4% QoQ
|
-$72.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$77.0M
-5.4% YoY
-3.4% QoQ
|
-$62.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$123.6M
+2.3% YoY
-3.0% QoQ
|
-$60.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.67%
-10.1% YoY
-2.8% QoQ
|
-0.42% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.72%
-5.2% YoY
-1.1% QoQ
|
-0.14% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
75.89%
+4.3% YoY
+2.6% QoQ
|
+8.16% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.30%
-78.2% YoY
-57.1% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
62.31%
-7.5% YoY
-0.4% QoQ
|
-12.22% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
46.89%
-1.0% YoY
+34.1% QoQ
|
+24.49% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-80.1% YoY
-57.6% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
-6.8% YoY
+40.4% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.89%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.89% · Tier avg: 22.39%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
37
37th pctile
Total Deposits
Current: $123.6M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $145.4M · Tier avg: $217.5M
32
32th pctile
Total Loans
Current: $77.0M · Tier avg: $139.2M
27
27th pctile
Efficiency Ratio
Current: 75.89% · Tier avg: 67.73%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.31% · Tier avg: 74.53%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
Top Weaknesses
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.31% · Tier avg: 74.53%
27
27th pctile
Efficiency Ratio
Current: 75.89% · Tier avg: 67.73%
32
32th pctile
Total Loans
Current: $77.0M · Tier avg: $139.2M
36
36th pctile
Total Assets
Current: $145.4M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $123.6M · Tier avg: $183.7M
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.89% · Tier avg: 22.39%