PLANTERS AND CITIZENS BANK

CAMILLA, GA | Small | Est. May 24, 1913, midnight | FDIC #10072 | RSSD #132938 | FDIC
Latest Report: 2025-12-31

PLANTERS AND CITIZENS BANK is asn small FDIC-insured commercial bank headquartered in CAMILLA, GA, established in May 24, 1913, midnight. As of 2025-12-31, the bank reported total assets of $145M and total deposits of $124M. Profitability stands at 0.60% ROA and 7.71% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 8.04%. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 1.78%. FDIC Certificate #10072.

Assets

$145M

Deposits

$124M

Loans

$78M

Equity

$12M

Profitability

Return on Assets (ROA) 0.60%
Return on Equity (ROE) 7.71%
Net Interest Margin (NIM) 3.53%
Yield on Assets 5.44%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.78%
NPA Ratio 0.16%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 8.04%
Tier 1 Capital 8.04%
Total Capital Ratio 8.44%
Leverage Ratio 9.87%
Loan-to-Deposit 63.29%

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