# PLANTERS FIRST BANK
CORDELE, GA · FDIC certificate 9064 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $485.7M | |
| Deposits | $439.8M | |
| Loans and leases | $310.1M | |
| Total equity | $42.6M | |
| Loans / deposits | 69.27% (p25 of band) | 82.04% |
| Liquid assets / assets | 32.30% (p70 of band) | |
| Uninsured deposits / deposits | 26.07% (p51 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.71% (p49 of band) | 10.81% |
| Unrealized securities loss / equity | -15.06% (p31 of band) | -8.10% |
| AOCI / equity | -0.79% (p30 of band) | |
| ROA (annualized) | 1.68% (p74 of band) | 1.28% |
| Net interest margin | 4.61% (p85 of band) | 3.91% |
| Efficiency ratio | 60.82% (p48 of band) | |
| Noncurrent loans | 1.41% (p82 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p86 of band) | |
| Reserve coverage of noncurrent | 124.11% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 85.58% (p80 of band) | |
| Auto loans | $1.4M (0.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 7 | charge-offs p90 |  |
| 2012-06 | 5 |  | leverage <5% |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 7 | deposits shrinking, assets shrinking |  |
| 2013-06 | 5 |  | construction >100% equity, charge-offs p90 |
| 2013-09 | 6 | charge-offs p90 |  |
| 2013-12 | 3 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2014-03 | 4 | charge-offs p90 |  |
| 2014-06 | 3 |  | leverage <7% |
| 2014-09 | 2 |  | charge-offs p90 |
| 2014-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-03 | 4 | capital falling, expense ratio p90, noncurrent p90 | charge-offs p90 |
| 2017-06 | 1 |  | capital falling, expense ratio p90, noncurrent p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 3 | capital falling, expense ratio p90 | noncurrent p90 |
| 2018-06 | 1 |  | capital falling, expense ratio p90 |
| 2018-09 | 2 | expense ratio p90 |  |
| 2018-12 | 1 |  | expense ratio p90 |
| 2019-03 | 2 | construction >100% equity |  |
| 2019-06 | 4 | deposits shrinking, assets shrinking |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | reserve under noncurrent, construction >100% equity |
| 2020-03 | 2 | capital falling, charge-offs p90 | deposits shrinking, assets shrinking |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | expense ratio p90 | capital falling |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 2 | deposits shrinking, assets shrinking |  |
| 2021-09 | 0 |  | deposits shrinking, assets shrinking |
| 2021-12 | 3 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2022-03 | 1 | capital falling | expense ratio p90, deposits shrinking, assets shrinking |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | construction >100% equity |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | construction >100% equity | reserve under noncurrent |
| 2026-03 | 1 | capital falling | construction >100% equity |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-26 [Two Southeast banks to merge in $163M deal - Banking Dive](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdnVFcU9uSTNncEtPV3o5dUpuc21hOFI3N1BYVURNa0wtVkNTMlhzaC14cEpuUU0xM2p4d2ItLXpYcnpETEdIN1laTzZpQkR4UldiVGpDUEFCaFY1ODNHemJ3U3dHb1M3TDdBaE9zTGNOaHhHVHJCek1DbnVNcWRWOHNn?oc=5) · Banking Dive
- 2019-12-18 [Planters First Bank Announces Retirement of Banking Veteran, Ben Morris After 48 Years - Cordele Dispatch](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPdmg5UnF3bmMxRWJjR0h0RU9QUVFTWnVpSk9sNm1QeEV2STEzZFdOZmhOMGd1b0dXTE1zZlh5b1kxYy1PWURjYnhRVXlWczh1Snl0MFp3bTk4WkFLNUNjaDdlb0NyLWVnY2lnelkxa0JEQWdWdWQ5M1dydndPdVJUWVNjdGw3V2tFSVktNFlqdnRnZkw3b1FBUnpSY093Sk1idU1RLWJsNjB2dm5uUGo2TVhWRDBFaEV4YWEtT0JXUi1mQmc?oc=5) · Cordele Dispatch
- 2025-01-08 [3 charged in connection to Crisp County, Perry bank fraud investigation - WALB](https://news.google.com/rss/articles/CBMingFBVV95cUxOVVFRb3VrbFUzVm11ZW8wRVltSDBHLWRLWjR2ZmtodVM5TXBkdVVETVIzY0g1WjdFSnpPSGloVmoydFpTU1JCV3FqQkNPQ3JEVWhQTFhaV0dJNkFSSnF2SER4OFBzVDFmMHR4ckV4bFo1cC1qZ3htanRPckV4UnBhNGg2WTR4Y1RzZko3ekNhcDc2Qm9YMWJhc25ELUkwZw?oc=5) · WALB
- 2025-01-15 [Three rural Georgia hospitals receive donations to enhance quality healthcare - WGXA](https://news.google.com/rss/articles/CBMiqgJBVV95cUxNa3VWMUQ1N244OWZHekFVV2I3MmFEcnFmMmFaMVFSbWtCS2lsd0E2bmhzcWNyYVFZUWxPdkVobElrODdGTF9veEhOaWpoOFJJUTYxYTlER08tLTU3YjZTSkh0Z0s3NTA2dkYzMlZMMzBhYVEzS2Qyb3htekRYaHBMVHJNSm9MOXNLYXlKcUtsN19xRWI5a0txclMwWC1uOFhUN0FJSWg0V3NWVWdEMTkxOGNudS1hdld2WDU2V1JxNFR3Y19MQUFDWGpMWThtUWgyYTY2OWZaVlVvNTFBR05lU1NXOXY2LUI2TlV0SGNTWnRJZjlLRWQwb0tsb0JhYWdfbEI2am9obGNQbkpNWFdSc0ZVX1EtWk9zMzNTcHhTbURvZVRPLUxrbUxR?oc=5) · WGXA
- 2018-08-05 [Albany Area Business Portfolio — Aug. 5, 2018 - Albany Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxOREZHamJKU19uS19SV3NBcWx3VVNkM1AybkZWMFpHdkZOa215S1ppeTg3ckVEQjJaMTBSaHZYblp3Z0FObWVlWXF3VkNjdGpJVmRyajIyemoxSjdJdzE1TkFYU3MwcjlVQWduWlRkV1AycXU3R294aUNPS212ejQ5eUlWRm0?oc=5) · Albany Herald
- 2025-01-09 [Three arrested linked to bank fraud scheme in Crisp County and Perry - WGXA](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPSW1TVTFwNDRjQzRTVmdXeWtlOERUT3FVbTlGRTRsTkdfdHBmcGF6UEdRS0RzdmNBVzZ2Z2NkekZXZG1MUmRRVDByUFpweE50cElXalp6aF9QNlQ5R0NpNkVjMG5VSkZzTkM0YThwTDZNSllGdGxjYXVtdGd6S2E1RWpYTXl0d3Z0dmxVTGFic2lwV21DcTZTbU9HbThzZllDYkl5ZkFLeFNoejJ5SVVkLUVxNXhTZkxYeXJwbkcwblN1M3pxdW16WTdDdG5uQkl3M3RMd2M0QQ?oc=5) · WGXA
- 2025-08-24 [William Daniel Obituary (2025) - Madison, GA - Rockdale Citizen - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxORW9BT2dmZDBJbWM1ckx2c0kxRHFPem5idTM3aDE0blJXSXc0dk5hZGNycVhPbjlQaDdYWWtJdmtfOF91UEVxbXdfd0FPQWN2WEQwcWplMVA3OGJtT0swOWk3X1VCSUtZRnNJdFFCZnNFV3dvMlRmdzVPTmJNVk5MOGswbWtrdEI0TC1VbDg2RVRLWkNGOUJrbQ?oc=5) · legacy.com
- 2018-06-21 [William Hurt Jr. joins PFB as Assistant VP - Cordele Dispatch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPWWpZeUpnRDF3VmNrT3RnVlBwaWptUnNsbVI1MHVzSTV4RXg1eUFyZFg0ek1vZGhXT0NfMTJac2Fvblo3XzBleXZudGtVWU1Za3hyTFRrRnRQTnhKQjlydTB3YTRjWjRPYXh5RmplSnoxbGlOaTlScXVNQjVWSzE0dVpiYnpMTEpD?oc=5) · Cordele Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9064 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "9064", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide