Bank Comparison
Planters and Citizens Bank vs Merchants & Citizens Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Planters and Citizens Bank | Merchants & Citizens Bank, the |
|---|---|---|
| CET1 Ratio | — | 22.37% |
| Tier 1 Capital Ratio | — | 22.37% |
| Total Capital Ratio | — | 23.62% |
| Tier 1 Leverage Ratio | 10.38% | 13.12% |
| Equity / Assets | 8.02% | 9.47% |
Profitability
| Metric | Planters and Citizens Bank | Merchants & Citizens Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.36% | 0.63% |
| Return on Equity (ROE) | 4.45% | 6.45% |
| Net Interest Margin (NIM) | 3.82% | 3.31% |
| Yield on Earning Assets | 5.40% | 4.40% |
| Cost of Funds | 1.65% | 1.22% |
Asset quality
| Metric | Planters and Citizens Bank | Merchants & Citizens Bank, the |
|---|---|---|
| Texas Ratio | 0.60% | 1.51% |
| Non-Performing Loan Ratio | 0.09% | 0.27% |
| Non-Performing Asset Ratio | 0.05% | 0.10% |
| Net Charge-Off Ratio | 0.00% | 0.11% |
| ACL / Loans | 1.44% | 2.18% |
Balance sheet
| Metric | Planters and Citizens Bank | Merchants & Citizens Bank, the |
|---|---|---|
| Total Assets | $145,493K | $148,123K |
| Total Deposits | $123,806K | $131,991K |
| Total Loans | $84,998K | $53,316K |
| Total Equity | $11,667K | $14,030K |
| Net Income (quarter) | $130 | $230 |
Liquidity & funding
| Metric | Planters and Citizens Bank | Merchants & Citizens Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 68.65% | 40.39% |
| Core Deposit Ratio | 94.01% | 89.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Planters and Citizens Bank | Merchants & Citizens Bank, the |
|---|---|---|
| Headquarters City | CAMILLA | MCRAE |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 25 | 18 |
| Established | May 24, 1913, midnight | Feb. 23, 1929, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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