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Planters And Citizens Bank

IDRSSD: 132938
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 132938 held $145.5M in total assets as of 2026-03-31 (+0.0% quarter-over-quarter). Total loans stood at $83.8M (+8.8% QoQ) and total deposits at $123.8M (+0.2% QoQ).

Overall position is adequate — the composite Health Score is 44/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the above median of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
44/100
Adequate
Active Alerts
3
1 critical, 2 warning
Total Assets
$145.5M
+0.0% QoQ
Total Loans
$83.8M
+8.8% QoQ
Total Deposits
$123.8M
+0.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
29th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
29th pctile · n=500↑ better

Liquidity

Cash / Assets
10.91%
69th pctile · n=500↑ better
-74 bp QoQ
Loans / Deposits
67.66%
39th pctile · n=492↓ better
+535 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.09%
31th pctile · n=500↓ better
-20 bp QoQ
NPA / Assets
0.05%
29th pctile · n=500↓ better
-11 bp QoQ
Texas Ratio (regulatory)
0.48%
30th pctile · n=500↓ better
-95 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
43th pctile · n=500↓ better
-2 bp QoQ
ALLL Coverage of NPL
1592.21%
91th pctile · n=500↑ better
+106612 bp QoQ

Earnings

Net Interest Margin
3.96%
53th pctile · n=500↑ better
+42 bp QoQ
Return on Assets
0.36%
10th pctile · n=500↑ better
-24 bp QoQ
Return on Equity
4.45%
15th pctile · n=500↑ better
-326 bp QoQ
Efficiency Ratio
88.55%
91th pctile · n=500↓ better
+666 bp QoQ
Pre-tax NOI / Avg Assets
0.42%
9th pctile · n=500↑ better
-35 bp QoQ

Funding

Brokered / Deposits
2.83%
75th pctile · n=492↓ better
-1 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
6.89%
87th pctile · n=500↓ better
-0 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
23.11%
59th pctile · n=500↑ better
-75 bp QoQ
AFS Securities / Assets
23.11%
66th pctile · n=500↑ better
-75 bp QoQ
HTM Securities / Assets
0.00%
37th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 00:46:53 UTC