BlastPoint's Banking Scorecard
Planters First Bank
Micro
Specialty: Commercial
GA
FDIC cert 9064
Designations: ✓ Community bank
Cordele, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Planters First Bank shows strong momentum with 1 strength and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.16% 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 ? |
$453.4M
+6.8% YoY
+2.4% QoQ
|
+$235.9M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$308.6M
+12.6% YoY
+0.0% QoQ
|
+$169.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$408.8M
+5.8% YoY
+2.7% QoQ
|
+$225.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.71%
-0.4% YoY
+1.6% QoQ
|
+0.63% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.80%
+7.7% YoY
+1.4% QoQ
|
+0.94% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
62.04%
-3.0% YoY
+0.1% QoQ
|
-5.69% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
1.21%
+839.8% YoY
-34.0% QoQ
|
+0.57% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
75.48%
+6.5% YoY
-2.6% QoQ
|
+0.95% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
43.55%
+10.9% YoY
+5.4% QoQ
|
+21.16% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.82%
+891.1% YoY
-35.5% QoQ
|
+0.37% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.08%
-0.3% YoY
-0.1% QoQ
|
+5.23% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.87%
-18.7% YoY
+28.5% QoQ
|
+0.30% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.55%
(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
Total Deposits
Current: $408.8M · Tier avg: $183.7M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.55% · Tier avg: 22.39%
95
95th pctile
Total Assets
Current: $453.4M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $308.6M · Tier avg: $139.2M
89
89th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
87
87th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.85%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 8.85%
61
61th pctile
Efficiency Ratio
Current: 62.04% · Tier avg: 67.73%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.48% · Tier avg: 74.53%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
Top Weaknesses
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.48% · Tier avg: 74.53%
61
61th pctile
Efficiency Ratio
Current: 62.04% · Tier avg: 67.73%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 8.85%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
87
87th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
94
94th pctile
Total Loans
Current: $308.6M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $453.4M · Tier avg: $217.5M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.55% · Tier avg: 22.39%
97
97th pctile
Total Deposits
Current: $408.8M · Tier avg: $183.7M