Planters and Citizens Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Planters and Citizens Bank of Camilla, GA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.25% | -0.30% | 29th below |
| ROAE | 11.62% | 13.17% | -1.55% | 45th below |
| Net Interest Margin | 3.89% | 3.95% | -0.06% | 47th below |
| Efficiency Ratio | 66.88% | 61.50% | +5.38% | 34th below |
| PPNR / Avg Assets | 1.32% | — | — | 34th below |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.70% | 1.87% | -0.17% | 56th above |
| Net Interest Spread | 2.89% | — | — | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.93% | -0.87% | 77th top |
| NPA / Total Assets | 0.04% | — | — | 80th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 45th below |
| ACL / Total Loans | 1.41% | — | — | 73rd above |
| ACL / NPLs (Coverage) | 2432.69% | — | — | — |
| Texas Ratio | 0.39% | 6.06% | -5.67% | 78th top |
| Provision / NCO | 5500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.54% | 11.75% | -1.21% | 42nd below |
| Equity / Assets | 8.59% | 10.98% | -2.39% | 20th bottom |
| TCE / Tangible Assets | 8.59% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.42% | 80.44% | -4.02% | 59th above |
| Core Deposit Ratio | 93.69% | 86.95% | +6.74% | 78th top |
| Wholesale Funding Ratio | 6.51% | — | — | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.50% | — | — | 7th bottom |
| Loan Growth (Y/Y) | 5.79% | — | — | 52nd above |
| Deposit Growth (Y/Y) | -5.15% | — | — | 6th bottom |
See Planters and Citizens Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Planters and Citizens Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Planters and Citizens Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Planters and Citizens Bank peer analysis.