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Planters and Citizens Bank

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Planters and Citizens Bank Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Planters and Citizens Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Planters and Citizens Bank rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 3.14% and 3-month CD rates at 1.36%. Savings rates are at 0.05% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to Planters and Citizens Bank rates. MonitorBankRates evaluates the financial stability of Planters and Citizens Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.10%. Rates were last updated on 03/29/2026.

Planters and Citizens Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Planters and Citizens Bank? Share your experience about Planters and Citizens Bank by leaving a review below, or read customer reviews before you decide to use Planters and Citizens Bank.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.10%

Excellent Higher than avg

Planters and Citizens Bank

21 N Harney St
Camilla, GA 31730

https://www.pcbank.net

Current Rate Availability

We do not have Planters and Citizens Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Planters and Citizens Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Planters and Citizens Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Planters and Citizens Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Planters and Citizens Bank

Bank Holding Company P&C BANK SHARES INC

Address 21 N Harney St, Camilla, GA 31730 · Mitchell

Website https://www.pcbank.net

FDIC Certificate # 10072

Established 05/24/1913

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.10%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5949%

Return on Equity (ROE) 10.2300%

Non-Performing Loans (NPL) 0.55%

Total Assets $145,425,000

Total Deposits $123,552,000

Equity Capital $11,695,000

Net Income $967,000

Headquarters Camilla

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Planters and Citizens Bank

Is Planters and Citizens Bank a safe place to deposit money?

Yes, Planters and Citizens Bank is considered a safe financial institution. With a Texas Ratio of 11.104926245477%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Planters and Citizens Bank operate?

Planters and Citizens Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Planters and Citizens Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Planters and Citizens Bank provides members with tools to manage their accounts and build a solid financial history.

Does Planters and Citizens Bank offer online and mobile banking?

Most modern institutions like Planters and Citizens Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pcbank.net.