Planters and Citizens Bank is a state-chartered bank headquartered in Camilla, Georgia, in business for about 113 years. At the end of Q2 2026 it reported $139.2M in total assets and $117.3M in deposits, with 2 offices.
Based on its Q2 2026 filing, Planters and Citizens Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 80th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is earnings (46/100; 0.66%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (66 → 71), mostly because the loan quality component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 55 |
| Q4 2024 | 59 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 64 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.89% |
| Q3 2024 | 10.05% |
| Q4 2024 | 10.41% |
| Q1 2025 | 9.97% |
| Q2 2025 | 10.38% |
| Q3 2025 | 9.78% |
| Q4 2025 | 9.87% |
| Q1 2026 | 10.38% |
| Q2 2026 | 10.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.81% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.35% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $139.2M | 10.54% | 0.06% | 0.66% | 75.3% |
| Q1 2026 | 69 | $145.5M | 10.38% | 0.09% | 0.36% | 67.7% |
| Q4 2025 | 68 | $145.4M | 9.87% | 0.29% | 0.67% | 62.3% |
| Q3 2025 | 64 | $148.9M | 9.78% | 0.69% | 0.69% | 62.6% |
| Q2 2025 | 66 | $144.2M | 10.38% | 0.67% | 0.76% | 67.5% |
| Q1 2025 | 65 | $144.2M | 9.97% | 0.69% | 0.73% | 66.2% |
| Q4 2024 | 59 | $140.2M | 10.41% | 1.35% | 0.74% | 67.4% |
| Q3 2024 | 55 | $139.1M | 10.05% | 1.68% | 0.69% | 63.8% |
| Q2 2024 | 57 | $134.1M | 10.89% | 1.81% | 0.75% | 63.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of HazlehurstBank Hazlehurst, GA | 90 out of 100, Very strong | $134.2M | 14.6% | 0.68% | vs |
| The Citizens National Bank of QuitmanBank Quitman, GA | 81 out of 100, Strong | $133.7M | 11.6% | 0.21% | vs |
| The Merchants & Citizens BankBank Mcrae, GA | 79 out of 100, Strong | $146.0M | 13.2% | 0.36% | vs |
| The Farmers BankBank Greensboro, GA | 77 out of 100, Strong | $148.3M | 11.2% | 0.05% | vs |
| Moultrie Bank & TrustBank Moultrie, GA | 82 out of 100, Strong | $150.6M | 14.1% | 0.10% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
Deposit insurance
Is my money safe at Planters and Citizens Bank?
Yes. Planters and Citizens Bank is an FDIC-insured institution (FDIC certificate #10072). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.5% of deposits ($33.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Planters and Citizens Bank lists 2 offices in 2 cities. Most locations:
- Camilla, GA (1)
- Sylvester, GA (1)
Identity & history
Profile
- Legal name
- Planters and Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10072
- RSSD ID
- 132938
- Primary regulator
- FDIC
- Holding company
- P&c Bank Shares Inc
- Established
- May 24, 1913
- Headquarters
- 21 N Harney St, Camilla, GA 31730
- Website
- www.pcbank.net
- Employees
- 25
Quick answers
Planters and Citizens Bank: common questions
Is Planters and Citizens Bank FDIC insured?
Yes. Planters and Citizens Bank is an FDIC-insured institution (FDIC certificate #10072). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Planters and Citizens Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Planters and Citizens Bank ever failed?
There is no failure record for FDIC certificate #10072 in the FDIC failed bank list.
How many branches does Planters and Citizens Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Camilla
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Colquitt County Teacher Federal Credit UnionCredit union Moultrie, GA | 95 out of 100, Very strong | $10.3M | 23.6% | 0.12% | vs |
| Bank of CamillaBank Camilla, GA | 89 out of 100, Very strong | $188.1M | 20.8% | 0.37% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |
| Family BankBank Pelham, GA | 65 out of 100, Moderate | $162.0M | 14.1% | 2.21% | vs |