BlastPoint's Banking Scorecard
Peoples Bank
Lyons, GA
2 branches across GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits +0.4% year over year ($170.3M on the books).
- Delinquency rate 5.21%.
- Return on assets 1.24%.
- Efficiency ratio 57.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.15% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 47.7% in tier
- - Delinquency Rate 4.29% above tier average
- - Nonperforming Asset Ratio 2.39% above tier average
- - ROA 0.08% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.4M
+1.0% YoY
-0.7% QoQ
|
-$194.2M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$113.1M
+12.7% YoY
-0.6% QoQ
|
-$145.3M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$170.3M
+0.4% YoY
-1.1% QoQ
|
-$156.5M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
1.24%
-6.3% YoY
-1.0% QoQ
|
-0.08% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
4.01%
-3.1% YoY
+2.3% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
57.33%
-0.0% YoY
+4.1% QoQ
|
-7.15% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
5.21%
+0.5% QoQ
|
+4.29% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.4% in tier |
| Loan-to-Deposit Ratio ? |
66.41%
+12.2% YoY
+0.6% QoQ
|
-11.54% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
21.26%
-0.0% YoY
+8.0% QoQ
|
-0.77% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
3.06%
+0.6% QoQ
|
+2.39% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.1% in tier |
| Tier 1 Capital Ratio ? |
22.12%
-3.5% YoY
+3.7% QoQ
|
+6.21% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Top 10.2% in tier |
| Non-Interest Income / Assets ? |
0.20%
+15.3% YoY
+85.5% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.3%
0.0pp YoY +1.6pp QoQ |
-0.9pp | 22.1% | 26.2% | 22.2% | 51% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
+0.8pp YoY -0.3pp QoQ |
-1.7pp | 11.6% | 9.7% | 12.5% | 52% |
| CRE |
53.0%
-0.8pp YoY 0.0pp QoQ |
+13.5pp | 39.5% | 48.9% | 41.4% | 75% |
| 1-4 Family |
21.7%
+3.3pp YoY +0.2pp QoQ |
-10.9pp | 32.6% | 31.7% | 31.3% | 34% |
| Consumer |
2.9%
-0.4pp YoY 0.0pp QoQ |
-1.2pp | 4.1% | 4.8% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.1%
-0.8pp YoY +0.8pp QoQ |
+3.3pp | 18.8% | 20.9% | 19.7% | 83% |
| Leverage Ratio |
11.2%
+0.2pp YoY +0.4pp QoQ |
-1.0pp | 12.2% | 14.0% | 12.6% | 53% |
| Total Capital Ratio |
23.4%
-0.8pp YoY +0.8pp QoQ |
+3.4pp | 19.9% | 22.1% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
0 YoY -1 (-3.7%) QoQ |
-33 | 58 | 98 | 482 | 21% |
| Assets per Employee ($) |
$7.4M
+1.0% YoY +3.1% QoQ |
-$119K | $7.5M | $7.5M | $8.8M | 59% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
5.2%
0.0pp QoQ |
+4.3pp | 0.9% | 0.8% | 1.0% | 98% |
| Allowance Coverage |
0.31x
+4.4% QoQ |
-23.84x | 24.15x | 38.10x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
-1.0pp YoY -0.2pp QoQ |
-0.5pp | 12.2% | 13.6% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 41% |
| Net Income ($, YTD) |
$1.2M
-1.7% YoY — QoQ |
-$1.4M | $2.6M | $6.6M | $40.4M | 33% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.