Planters and Citizens Bank
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Data as of · sourced from FFIEC call reports. How we update
Planters and Citizens Bank is an FDIC-insured commercial bank headquartered in Camilla, GA, established in 1913 (FDIC certificate 10072), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $139.2M, down 3.5% from Q2 2025, the 104th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10072
- Headquarters
- Camilla, GA
- Established
- 1913
- Total assets, Q2 2026
- $139.2M
- Assets vs Q2 2025
- -3.5%
- Tier 1 leverage ratio, Q2 2026
- 10.54%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061202957
- Latest call report
- Q2 2026, FFIEC 051 · Planters and Citizens Bank call report
- Holding company
- P & C BANK SHARES, INC.
- Asset rank in state
- 104th of 121 in Georgia
Planters and Citizens Bank, based in Camilla, Georgia, reported $139 million in assets at June 30, 2026, down 3.5% from a year earlier. It lost 5.1% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 5.8% and deposits fell 5.1%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.06% of loans from 0.67%. One more trend to watch: the non-owner-occupied commercial real estate book ($17 million) is worsening: 2.58% of it is past due or on nonaccrual, up from 1.91% a year earlier.
As of June 30, 2026, Planters and Citizens Bank reported a return on assets of 0.95%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
Planters and Citizens Bank ranks as the 104th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.3% to $139.2M, loans rose 5.4% and deposits fell 5.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 19.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.9%. Its 2 offices in the FDIC Summary of Deposits are in Camilla, GA and Sylvester, GA; its Camilla office books 97% of its branch deposits. Judged on its Q2 2026 call report, Planters and Citizens Bank meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- May 24, 1913
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $117.3M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $144.5M
- Average total loans
- $88.3M
- Average interest-bearing deposits
- $76.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10072
- Fed RSSD
- 132938
- Website
- http://www.pcbank.net →
- Parent Holding Company
- P & C BANK SHARES, INC. (RSSD 1081529)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Planters and Citizens Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Planters and Citizens Bank's total assets ran between $129.0M (Q3 2023) and $148.9M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$139.2M total assets against $144.2M; $127.2M total liabilities against $133.8M.
$88.4M net loans and leases against $83.5M; $117.3M total deposits against $123.6M.
$33.0M securities against $36.4M; $10.9M cash and balances due against $17.6M.
$1.9M total interest income against $1.9M; $548K total interest expense against $654K.
$1.3M net interest income against $1.3M.
$131K total noninterest income against $145K; $974K total noninterest expense against $968K.
$39K provision for credit losses against $37K.
$343K net income against $283K.
0.95% return on assets against 0.80%; 3.89% net interest margin against 3.77%.
10.54% tier 1 leverage ratio against 10.38%.
Inside the full Planters and Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePlanters and Citizens Bank rankings
Its closest position to the top of a national ranking is 2,505 of 3,606, for efficiency ratio; its furthest is 3,029 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.36% (Q1 2026) to 0.95% (Q2 2026) and its net interest margin ran from 3.39% (Q4 2025) to 3.89% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.54% | 0.95% | 0.06% | 0.39% | 3.89% |
| Q1 2026 | 10.38% | 0.36% | 0.09% | 0.60% | 3.82% |
| Q4 2025 | 9.87% | 0.59% | 0.29% | 1.78% | 3.39% |
| Q3 2025 | 9.78% | 0.54% | 0.69% | 4.41% | 3.46% |
| Q2 2025 | 10.38% | 0.80% | 0.67% | 4.85% | 3.77% |
| Q1 2025 | 9.97% | 0.72% | 0.69% | 5.02% | 3.65% |
| Q4 2024 | 10.41% | 0.90% | 1.35% | 10.29% | 3.83% |
| Q3 2024 | 10.05% | 0.58% | 1.68% | 11.62% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Planters and Citizens Bank (main office) | Camilla , GA | 31730 | $113.2M |
| Sylvester Branch | Sylvester , GA | 31791 | $4.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 144 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Planters and Citizens Bank
What are Planters and Citizens Bank's total assets?
As of the Q2 2026 filing, Planters and Citizens Bank reported total assets of $139.2 million in its FFIEC call report.
Where is Planters and Citizens Bank headquartered?
It is headquartered in Camilla, GA, United States.
When was Planters and Citizens Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Planters and Citizens Bank FDIC-insured?
Yes. It 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.
How many branches does Planters and Citizens Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Planters and Citizens Bank's Texas Ratio?
Its Texas Ratio is 0.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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