BlastPoint's Banking Scorecard
Peoples Bank
Lyons, GA
2 branches across GA
Peoples Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.19% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 57.0% in tier
- - Delinquency Rate 4.30% above tier average
- - Nonperforming Asset Ratio 2.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.8M
+6.9% YoY
+2.6% QoQ
|
-$192.3M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$113.7M
+20.7% YoY
+6.3% QoQ
|
-$142.0M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$172.2M
+6.9% YoY
+2.7% QoQ
|
-$155.7M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.26%
-8.0% YoY
+18.7% QoQ
|
-0.01% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.92%
-5.5% YoY
-2.9% QoQ
|
-0.01% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
55.10%
-4.6% YoY
-3.2% QoQ
|
-10.19% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
73% |
| Delinquency Rate ? |
5.18%
+8.6% QoQ
|
+4.30% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.0% in tier |
| Loan-to-Deposit Ratio ? |
66.02%
+12.9% YoY
+3.5% QoQ
|
-10.62% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
19.68%
-2.3% YoY
-1.5% QoQ
|
-2.34% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
3.04%
+12.4% QoQ
|
+2.40% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.9% in tier |
| Tier 1 Capital Ratio ? |
21.33%
-7.5% YoY
-12.0% QoQ
|
+5.50% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 11.0% in tier |
| Non-Interest Income / Assets ? |
0.11%
+17.9% YoY
-68.7% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
57% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.