Side-by-side · Q2 2026 data
Planters and Citizens Bank vs Georgia Community Bank
Metric by metric
| Measure | Planters and Citizens Bank | Georgia Community Bank |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 55 | 87 (stronger) |
| Loan quality | 98 (stronger) | 58 |
| Earnings | 46 | 92 (stronger) |
| Funding & liquidity | 70 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 47th | 72nd |
| Total assets | $139.2M | $375.0M |
| Deposits / shares | $117.3M | $321.7M |
| Capital ratio | 10.54% | 13.67% (stronger) |
| Problem loans | 0.06% (stronger) | 1.25% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.66% | 1.80% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 78.4% |
| Uninsured deposits | 28.5% | 27.9% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Georgia Community Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Planters and Citizens Bank leads on 3 and Georgia Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.