Planters and Citizens Bank
Planters and Citizens Bank is a locally rooted FDIC-insured community bank based in Camilla, GA. The Q1 2026 balance sheet stands at $145M in assets, including $85M in loans. Returns are subdued: 0.36% ROA and 4.45% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.38% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.09% NPLs and a 0.60% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 21 N Harney St, CAMILLA, GA 31730
- County
- Mitchell
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- May 24, 1913
- Branches
- 1 domestic
- Employees (FTE)
- 25
- FDIC Cert
- 10072
- Fed RSSD
- 132938
- Website
- http://www.pcbank.net →
- Parent Holding Company
- P & C BANK SHARES, INC. (RSSD 1081529)
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Planters and Citizens Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- FailureFailure / assisted resolutionFDIC FAILURES
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about Planters and Citizens Bank
What are Planters and Citizens Bank's total assets?
As of the Q1 2026 filing, Planters and Citizens Bank reported total assets of $145.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Planters and Citizens Bank headquartered?
Planters and Citizens Bank is headquartered in CAMILLA, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Planters and Citizens Bank founded?
Planters and Citizens Bank was established in 1913, per the FDIC institution directory.
Is Planters and Citizens Bank FDIC-insured?
Yes. Planters and Citizens Bank is an FDIC-insured commercial bank (FDIC Certificate #10072). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Planters and Citizens Bank?
Planters and Citizens Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Planters and Citizens Bank operate?
Planters and Citizens Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Planters and Citizens Bank's Texas Ratio?
Planters and Citizens Bank's Texas Ratio is 0.60% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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