TellerScore

Headquartered in Cordele, Georgia, Planters First Bank is a state-chartered bank with $485.7M in total assets and $439.8M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1896.

Planters First Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 92nd. Earnings contributes the most (87/100, 1.68%); loan quality contributes the least (53/100, 1.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.71%
Loan quality53/100
Noncurrent loans ÷ total loans: 1.41%
Earnings87/100
Return on assets (annualized): 1.68%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 69.3% · 26.1% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.08%

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 7 points (61 → 68), mostly because the loan quality component improved by 16 points.

TellerScore
617079Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202477
Q4 202479
Q1 202574
Q2 202561
Q3 202563
Q4 202569
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%7.86%10.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.88%
Q3 202410.08%
Q4 202410.20%
Q1 202510.33%
Q2 202510.52%
Q3 202510.71%
Q4 202510.54%
Q1 202610.45%
Q2 202610.71%
Noncurrent loans
0.11%1.00%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.14%
Q4 20240.13%
Q1 20250.63%
Q2 20251.89%
Q3 20251.80%
Q4 20251.19%
Q1 20261.37%
Q2 20261.41%
Return on assets
1.57%1.65%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.67%
Q3 20241.66%
Q4 20241.72%
Q1 20251.72%
Q2 20251.57%
Q3 20251.69%
Q4 20251.71%
Q1 20261.66%
Q2 20261.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$485.7M10.71%1.41%1.68%69.3%
Q1 202667$466.2M10.45%1.37%1.66%72.6%
Q4 202569$453.4M10.54%1.19%1.71%75.5%
Q3 202563$442.7M10.71%1.80%1.69%77.5%
Q2 202561$442.8M10.52%1.89%1.57%74.9%
Q1 202574$434.9M10.33%0.63%1.72%72.5%
Q4 202479$424.6M10.20%0.13%1.72%70.9%
Q3 202477$423.3M10.08%0.14%1.66%71.2%
Q2 202477$424.6M9.88%0.11%1.67%70.4%

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).

Capital ratio10.71%
45th
Total risk-based capital15.37%
70th
Problem loans1.41%
19th
Net charge-offs0.17%
14th
Return on assets1.68%
75th
Net interest margin4.61%
83rd
Efficiency ratio60.8%
55th
Loans to deposits69.3%
70th
Uninsured deposits26.1%
42nd
Loan-loss reserves1.74%
89th
Texas ratio9.1%
20th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Century Bank and TrustBank Milledgeville, GA87 out of 100, Very strong$490.7M11.8%0.07%vs
American Commerce Bank, National AssociationBank Bremen, GA63 out of 100, Moderate$495.7M17.1%2.98%vs
The Commercial BankBank Crawford, GA79 out of 100, Strong$463.7M10.7%0.17%vs
Citizens Bank of AmericusBank Americus, GA77 out of 100, Strong$511.1M10.3%0.09%vs
First State BankBank Wrens, GA77 out of 100, Strong$512.7M10.5%0.32%vs
First Peoples BankBank Pine Mountain, GA77 out of 100, Strong$449.4M12.8%0.12%vs

Deposit insurance

Is my money safe at Planters First Bank?

Yes. Planters First Bank is an FDIC-insured institution (FDIC certificate #9064). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($114.6M) 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 10.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.37% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Planters First Bank lists 7 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Planters First Bank reported 77 home-loan applications under HMDA (LEI 254900GZAWIVGN884M22): 59 originated ($10,695,000 total), 12 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Planters First Bank
Former names
Planters Bank; PlantersFIRST
Type
State-chartered bank
FDIC certificate #
9064
RSSD ID
300933
Primary regulator
FDIC
Holding company
Planters First Bcorp
Established
January 1, 1896
Headquarters
1620 E 16th Ave, Cordele, GA 31015
Employees
81

Quick answers

Planters First Bank: common questions

Is Planters First Bank FDIC insured?

Yes. Planters First Bank is an FDIC-insured institution (FDIC certificate #9064). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Planters First Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Planters First Bank ever failed?

There is no failure record for FDIC certificate #9064 in the FDIC failed bank list.

How many branches does Planters First Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cordele

InstitutionScoreAssetsCapitalProblem loansCompare
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Ameris BankBank Atlanta, GA67 out of 100, Moderate$28.4B11.4%0.57%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Colony BankBank Fitzgerald, GA64 out of 100, Moderate$3.6B10.0%0.76%vs
Georgia'S Own Credit UnionCredit union Atlanta, GA50 out of 100, Below average$4.2B10.0%1.15%vs