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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cordele, GA · FDIC certificate #9064
PLANTERS FIRST BANK is an FDIC-insured institution based in Cordele, GA (FDIC certificate #9064). In its Q3 2026 Call Report it reported total assets of $472M, total deposits of $426M and net loans of $311M. Its primary federal regulator is FDIC.
Plain-language readout
PLANTERS FIRST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $486M in Q2 2026 and were lowest at $466M in Q1 2026.
Total deposits were highest at $440M in Q2 2026 and lowest at $422M in Q1 2026.
Over the whole period total assets rose 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $472M | $426M | $311M | 1.74% | 19.37% | 4.66% |
| Q2 2026 | $486M | $440M | $305M | 1.68% | 18.85% | 4.61% |
| Q1 2026 | $466M | $422M | $306M | 1.66% | 18.40% | 4.68% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $64.5M | $53.5M | +$11.0M | +20.6% |
| Federal funds sold | $28.0M | $16.1M | +$12.0M | +74.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $64.4M | $66.3M | -$2.0M | -3.0% |
| Equity securities with readily determinable fair values, not held for trading | $16K | $12K | +$4K | +33.3% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $304.7M | $306.0M | -$1.3M | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.4M | $7.5M | -$117K | -1.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $16.8M | $16.9M | -$113K | -0.7% |
| Total assets | $485.7M | $466.2M | +$19.5M | +4.2% |
| Liabilities | ||||
| Total deposits | $439.8M | $421.7M | +$18.2M | +4.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.3M | $3.0M | +$304K | +10.2% |
| Total liabilities | $443.1M | $424.6M | +$18.5M | +4.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.0M | $2.0M | $0K | 0.0% |
| Surplus | $20.5M | $20.5M | $0K | 0.0% |
| Retained earnings | $26.5M | $25.7M | +$812K | +3.2% |
| Accumulated other comprehensive income | -$6.4M | -$6.6M | +$204K | +3.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $42.6M | $41.6M | +$1.0M | +2.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.4M | $4.3M | +$82K | +1.9% |
| Adjusted nonperforming assets | $2.0M | $2.0M | +$82K | +4.2% |
| Tangible equity plus allowance | $48.0M | $47.0M | +$1.0M | +2.2% |
| Texas ratio (gross) | 9.08% | 9.11% | -0.02 pts | See points |
| Texas ratio (adjusted) | 4.25% | 4.16% | +0.08 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.41% | 4.33% | +0.08 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.11% | 14.09% | +0.02 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.11% | 14.09% | +0.02 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.37% | 15.34% | +0.02 pts | See points |
| Tier 1 leverage (approximate) | 10.71% | 10.45% | +0.26 pts | See points |
| Construction and land loans to total capital | 68.33% | 72.61% | -4.29 pts | See points |
| Commercial real estate to total capital | 189.45% | 194.51% | -5.07 pts | See points |
| Dividend payout, year to date | 62.09% | 64.17% | -2.08 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.06% | -13.70% | +0.64 pts | See points |
| Liquidity | ||||
| Core deposits | $418.9M | $400.3M | +$18.6M | +4.6% |
| Non-core funding | $20.9M | $21.4M | -$440K | -2.1% |
| Loans to core deposits | 74.02% | 77.79% | -3.76 pts | See points |
| Loans to deposits | 70.50% | 73.85% | -3.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.09% | 59.53% | -5.44 pts | See points |
| Loans pledged, share of loans | 10.53% | 9.30% | +1.23 pts | See points |
| Volatile liabilities | $20.9M | $21.4M | -$440K | -2.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.6M | $2.3M | +$2.4M | +103.4% |
| Earnings before provision, single quarter | $2.4M | $2.3M | +$77K | +3.4% |
| Provision for credit losses, year to date | $584K | $315K | +$269K | +85.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.87% | 6.76% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.95% | 3.36% | +0.58 pts | See points |
| Total interest income to average assets | 5.46% | 5.30% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.45% | 0.36% | +0.09 pts | See points |
| Cost of savings and money market deposits | 1.99% | 1.86% | +0.13 pts | See points |
| Cost of time deposits | 2.76% | 2.95% | -0.19 pts | See points |
| Total interest expense to average assets | 1.07% | 0.99% | +0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $472M | $426M | $311M | 1.74% | 19.37% | 4.66% |
| 2026-06-30 | $486M | $440M | $305M | 1.68% | 18.85% | 4.61% |
| 2026-03-31 | $466M | $422M | $306M | 1.66% | 18.40% | 4.68% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| GA | $401.9M | 0.11% | 64 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.