Planters First Bank
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Data as of · sourced from FFIEC call reports. How we update
Planters First Bank is an FDIC-insured commercial bank headquartered in Cordele, GA, established in 1896 (FDIC certificate 9064), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $485.7M, up 9.7% from Q2 2025, the 40th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 14.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9064
- Headquarters
- Cordele, GA
- Established
- 1896
- Total assets, Q2 2026
- $485.7M
- Assets vs Q2 2025
- +9.7%
- CET1 ratio, Q2 2026
- 14.11%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 061210965
- Latest call report
- Q2 2026, FFIEC 041 · Planters First Bank call report
- Holding company
- PLANTERS FIRST BANCORP
- Asset rank in state
- 40th of 121 in Georgia
Planters First Bank, based in Cordele, Georgia, reported $486 million in assets at June 30, 2026, up 9.7% from a year earlier. It pays an average of 1.17% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also keeps 4.68 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $2.0 million, 30% above the same quarter a year earlier. Over the same year, loans grew 1.3% and deposits grew 9.5%.
As of June 30, 2026, Planters First Bank reported a CET1 capital ratio of 14.11%, a return on assets of 1.78%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 4.25%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Planters First Bank is the 40th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.2% to $485.7M, loans fell 0.4% and deposits rose 4.3%. Owner-occupied commercial real estate loans made up 26.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.6%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in GA; its Cordele office books 44% of its branch deposits. On its Q2 2026 call report, Planters First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1620 E 16th Ave, Cordele, GA 31015
- County
- Crisp
- Metro Area
- Cordele, GA
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1896
- Former names
- PlantersFIRST (2000-2016)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $439.8M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $270K
- Average total assets
- $457.4M
- Average total loans
- $311.4M
- Average interest-bearing deposits
- $239.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9064
- Fed RSSD
- 300933
- Website
- www.plantersfirst.bank →
- Parent Holding Company
- PLANTERS FIRST BANCORP (RSSD 1081136)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Planters First Bank's total assets moved between a low of $412.3M (Q3 2023) and a high of $485.7M (Q2 2026) from Q3 2023 to Q2 2026, 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
$485.7M total assets against $442.8M; $443.1M total liabilities against $404.8M.
$304.7M net loans and leases against $300.9M; $439.8M total deposits against $401.9M.
$64.4M securities against $75.7M; $92.5M cash and balances due against $41.7M.
$6.2M total interest income against $6.0M; $1.2M total interest expense against $1.1M.
$5.0M net interest income against $4.9M.
$1.0M total noninterest income against $983K; $3.7M total noninterest expense against $3.6M.
$269K provision for credit losses against $635K.
$2.0M net income against $1.6M.
1.78% return on assets against 1.42%; 4.68% net interest margin against 4.77%.
14.11% CET1 capital ratio against 13.72%; 10.71% tier 1 leverage ratio against 10.52%.
Inside the full Planters First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePlanters First Bank rankings
Its closest position to the top of a national ranking is 773 of 3,611, for ROA; its furthest is 1,905 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.42% (Q2 2025) to 1.86% (Q3 2025) and its net interest margin ran from 4.27% (Q3 2024) to 4.91% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.11% | 1.78% | 1.41% | 4.25% | 4.68% |
| Q1 2026 | 14.09% | 1.66% | 1.37% | 4.16% | 4.65% |
| Q4 2025 | 14.09% | 1.79% | 1.19% | 3.04% | 4.91% |
| Q3 2025 | 14.10% | 1.86% | 1.80% | 6.80% | 4.71% |
| Q2 2025 | 13.72% | 1.42% | 1.89% | 7.56% | 4.77% |
| Q1 2025 | 13.79% | 1.71% | 0.63% | 4.14% | 4.30% |
| Q4 2024 | 14.13% | 1.85% | 0.13% | 0.90% | 4.35% |
| Q3 2024 | 13.64% | 1.61% | 0.14% | 0.94% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 First Bank (main office) | Cordele , GA | 31015 | $194.7M |
| Hawkinsville Branch | Hawkinsville , GA | 31036 | $99.1M |
| Ocilla Branch | Ocilla , GA | 31774 | $52.9M |
| Sam Numm Boulevard | Perry , GA | 31069 | $37.8M |
| Macon Branch | Macon , GA | 31210 | $34.6M |
| Warner Robins Branch | Warner Robins , GA | 31088 | $20.7M |
| Broad Street Facility | Hawkinsville , GA | 31036 | $0 |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| August 25, 2000 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2000 | Structure Change | Acquired Pineview State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2000 | Structure Change | Acquired First State Bank of South Georgia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 60 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 59 loans originated, $10.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $420K approved, $420K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First Bank
What are Planters First Bank's total assets?
As of the Q2 2026 filing, Planters First Bank reported total assets of $485.7 million in its FFIEC call report.
Where is Planters First Bank headquartered?
It is headquartered in Cordele, GA, United States.
When was Planters First Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Planters First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9064). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Planters First Bank?
Planters First Bank's primary federal regulator is the FDIC.
What is Planters First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Planters First Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Planters First Bank's Texas Ratio?
Its Texas Ratio is 4.25% 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.
What was Planters First Bank previously called?
The charter now named Planters First Bank has also operated as PlantersFIRST (2000-2016), per FDIC structure-change records.
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