BlastPoint's Banking Scorecard

The Peoples Bank

$100M-$1B Specialty: Commercial GA FDIC cert 16152

Eatonton, 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 -0.5% year over year ($234.8M on the books).
Delinquency rate 0.00%.
Return on assets 1.46%.
Efficiency ratio 65.07% vs a 64.48% peer average.
Loan-to-deposit ratio 88.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

The Peoples Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 23.0% in tier
+ ROA 0.14% above tier average
+ Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 23.2% in tier
- Efficiency Ratio 0.59% above tier average

Get updates when The Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$269.7M +0.8% YoY -1.3% QoQ	-$116.9M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$207.1M +12.6% YoY +2.3% QoQ	-$51.2M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	50%
Total Deposits ?	$234.8M -0.5% YoY -1.8% QoQ	-$91.9M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	1.46% +32.4% YoY -11.0% QoQ	+0.14%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	5.03% -0.2% YoY +1.1% QoQ	+1.05%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 7.5% in tier
Efficiency Ratio ?	65.07% -6.6% YoY +5.0% QoQ	+0.59%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.00% -60.5% YoY -21.8% QoQ	-0.92%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Top 12.2% in tier
Loan-to-Deposit Ratio ?	88.19% +13.2% YoY +4.2% QoQ	+10.24%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	36.99% -7.0% YoY -3.2% QoQ	+14.96%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 7.1% in tier
Nonperforming Asset Ratio ?	0.03% -5.8% YoY +0.3% QoQ	-0.63%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	11.67% +8.0% YoY +1.7% QoQ	-4.24%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.26% +59.5% YoY +41.8% QoQ	-0.31%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	65%

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	37.0% -2.8pp YoY -1.2pp QoQ	+14.8pp	22.1%	26.2%	22.2%	93%
Brokered Deposits	0.9% 0.0pp YoY 0.0pp QoQ	-7.0pp	7.9%	7.5%	8.5%	17%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	6.5% +2.7pp YoY +2.1pp QoQ	-5.1pp	11.6%	9.7%	12.5%	29%
CRE	72.5% +2.5pp YoY +0.9pp QoQ	+33.0pp	39.5%	48.9%	41.4%	94%
1-4 Family	17.9% -5.4pp YoY -2.8pp QoQ	-14.7pp	32.6%	31.7%	31.3%	26%
Consumer	1.1% -0.5pp YoY 0.0pp QoQ	-3.0pp	4.1%	4.8%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	11.7% +0.9pp YoY +0.2pp QoQ	-0.5pp	12.2%	14.0%	12.6%	61%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	42 -2 (-4.5%) YoY -1 (-2.3%) QoQ	-17	58	98	482	44%
Assets per Employee ($)	$6.4M +5.6% YoY +1.0% QoQ	-$1.1M	$7.5M	$7.5M	$8.8M	41%
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	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	0%
Allowance Coverage	791.75x +151.5% YoY +25.6% QoQ	+767.60x	24.15x	38.10x	20.23x	99%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY +0.1pp QoQ	-0.3pp	0.1%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	12.9% +2.2pp YoY -1.7pp QoQ	+0.7pp	12.2%	13.6%	11.6%	55%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	30%
Net Income ($, YTD)	$1.9M +36.7% YoY — QoQ	-$607K	$2.6M	$6.6M	$40.4M	51%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#65 of 278 • Top 23.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.99%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.03%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Deposit Outflow

decline

#125 of 535 • Bottom 23.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

189

Non-Interest-Bearing Deposit Share

funding

Value: 36.99%

Peer Median: 22.03%

#189 of 2643 Top 7.1% in $100M-$1B

200

Net Interest Margin

profitability

Value: 5.03%

Peer Median: 3.99%

#200 of 2643 Top 7.5% in $100M-$1B

323

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#323 of 2633 Top 12.2% in $100M-$1B

503

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#503 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available