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Planters First Bank
Cordele, GA · FDIC Certificate #9064 · Chartered 01/0
Total assets
$485.69M
Total deposits
$439.83M
Total equity
$42.59M
Net loans
$304.69M
Branches (offices)
7
Net income (YTD)
$3.95M
Rank: #1,824 of 4,213 U.S. banks by assets · #40 of 123 in Georgia. Assets changed 9.7% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.68% |
| Return on equity | 18.85% |
| Net interest margin (YTD) | 4.61% |
| Equity to assets | 8.77% |
| Tier 1 leverage ratio | 10.71% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 1.41% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 69.3% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $269.52M | 88.5% | |
| Commercial & industrial | $18.45M | 6.1% | |
| Consumer / individual | $5.94M | 1.9% | |
| Construction & development | $36.45M | 12.0% | |
| Agricultural | $14.50M | 4.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $375.67M | $347.92M | $2.00M | $26.16M |
| Jun 2023 | $406.44M | $375.85M | $3.39M | $28.43M |
| Jun 2024 | $424.64M | $389.07M | $3.52M | $32.81M |
| Jun 2025 | $442.77M | $401.85M | $3.42M | $38.00M |
| Jun 2026 | $485.69M | $439.83M | $3.95M | $42.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $439.83M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $439.83M.
Similar-sized banks
Osgood Bank ($485.77M) · Eclipse Bank, Inc. ($485.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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