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Planters And Citizens Bank
Camilla, GA · FDIC Certificate #10072 · Chartered 05/2
Total assets
$139.17M
Total deposits
$117.27M
Total equity
$11.95M
Net loans
$88.35M
Branches (offices)
2
Net income (YTD)
$473.00K
Rank: #3,386 of 4,213 U.S. banks by assets · #105 of 123 in Georgia. Assets changed -3.5% and deposits -5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.66% |
| Return on equity | 8.04% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 8.59% |
| Tier 1 leverage ratio | 10.54% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.3% |
| Real estate loans (share of loans) | 62.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.17M | 62.4% | |
| Commercial & industrial | $13.49M | 15.3% | |
| Consumer / individual | $2.44M | 2.8% | |
| Construction & development | $3.87M | 4.4% | |
| Agricultural | $17.11M | 19.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $136.04M | $127.99M | $321.00K | $7.77M |
| Jun 2023 | $130.16M | $121.99M | $388.00K | $7.79M |
| Jun 2024 | $134.15M | $118.14M | $490.00K | $9.12M |
| Jun 2025 | $144.22M | $123.64M | $542.00K | $10.47M |
| Jun 2026 | $139.17M | $117.27M | $473.00K | $11.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $117.27M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $117.27M.
Similar-sized banks
West Plains Bank ($139.33M) · Texas National Bank ($139.10M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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