Total Assets
$145M
Total balance-sheet footings
FDIC Cert #10072 · Camilla, Georgia · Est. 1913
Planters and Citizens Bank - FDIC Bank Health Profile
A community-scale look at Planters and Citizens Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $145M
- Total assets
- C
- Health grade · Fair
- 0.67%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Planters and Citizens Bank earns a PlainBankData health grade of C (56/100), with 9.87% Tier 1 capital, 0.67% ROA, 76% efficiency ratio.
- #3,391
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 9.87%
- Tier 1 ratio - below the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Planters and Citizens Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Planters and Citizens Bank's composite health score
Tier 1 Capital Ratio (9.87%) 18/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (1.78%) 20/20
Efficiency Ratio (75.89%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$124M
Customer-funded liabilities
Net Loans
$77M
Outstanding loan book
Net Income
$967K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Planters and Citizens Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Planters and Citizens Bank's score of 56/100 falls in the highlighted band.
Planters and Citizens Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Planters and Citizens Bank's $145M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.87% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.87%
Texas Ratio
1.78%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
9.05%
Efficiency Ratio
75.89%
What the numbers say about Planters and Citizens Bank
Planters and Citizens Bank is an FDIC-insured institution (Certificate #10072) headquartered in Camilla, Georgia, established in 1913. It holds $145M in total assets - 3,391st of 4,313 FDIC-insured banks, $124M in customer deposits, and $77M in net loans. Its capital position: a Tier 1 ratio of 9.87%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.78% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Planters and Citizens Bank is a community-scale institution -- 110th of 129 FDIC-insured banks headquartered in Georgia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$602K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Planters and Citizens Bank reports a Texas Ratio of 1.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Planters and Citizens Bank (FDIC Cert #10072) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Planters and Citizens Bank's health grade?▼
Planters and Citizens Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Planters and Citizens Bank?▼
Planters and Citizens Bank holds $145M in total assets and $124M in deposits, ranking 3,391st of 4,313 FDIC-insured banks by asset size. It is headquartered in Camilla, Georgia.
Is my money safe at Planters and Citizens Bank?▼
Yes, deposits at Planters and Citizens Bank (Certificate #10072) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Planters and Citizens Bank's Tier 1 Capital Ratio?▼
Planters and Citizens Bank has a Tier 1 Capital Ratio of 9.87%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Planters and Citizens Bank?▼
Planters and Citizens Bank has a Texas Ratio of 1.78%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Planters and Citizens Bank?▼
Planters and Citizens Bank has an Efficiency Ratio of 75.89%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Planters and Citizens Bank's profile as a depositor or analyst.
- Planters and Citizens Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Planters and Citizens Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.