Planters and Citizens Bank: how it compares with its peers
Against 47 GA banks with half to twice its assets, Planters and Citizens Bank's strongest measure in Q2 2026 is assets per employee ($5.6M vs. a $5.9M peer median). Its weakest relative measure is return on assets (0.66% vs. 1.46%).
| Measure | Planters and Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.66% | 1.46% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 4.40% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.98% | 61.73% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $5.9M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.34% | 67.37% | Context |
What it means for lending operations
Its efficiency ratio of 77.98% is above the 61.73% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Hazlehurst Hazlehurst, GA · $134M
- The Citizens National Bank of Quitman Quitman, GA · $134M
- The Merchants & Citizens Bank Mcrae, GA · $146M
- The Farmers Bank Greensboro, GA · $148M
- Moultrie Bank & Trust Moultrie, GA · $151M
- Farmers State Bank Dublin, GA · $156M
Questions about Planters and Citizens Bank
How big is Planters and Citizens Bank?
Planters and Citizens Bank, established in 1913, is headquartered in Camilla, GA. It reported $139M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Planters and Citizens Bank's return on assets?
0.66% annualized in Q2 2026, against a 1.46% median for 47 GA banks with half to twice its assets, ahead of 17% of them.
What is Planters and Citizens Bank's efficiency ratio?
77.98% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 61.73%, and lower is better.
Is Planters and Citizens Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits shrank 5.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.