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The Peoples Bank of Georgia

$100M-$1B Specialty: Mortgage GA FDIC cert 170

Talbotton, GA

4 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

The Peoples Bank of Georgia has 4 strengths but faces 1 concern

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

  • + Net Interest Margin 1.14% above tier average
  • + ROA 0.28% above tier average
  • + Efficiency Ratio 8.48% below tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 32.0% in tier
Get updates when The Peoples Bank of Georgia releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $242.5M
+16.5% YoY +3.1% QoQ
-$143.6M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
35%
Total Loans ? $191.2M
+14.6% YoY +3.2% QoQ
-$64.5M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
46%
Total Deposits ? $219.1M
+15.5% YoY +2.5% QoQ
-$108.9M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
38%
Return on Assets ? 1.55%
+17.0% YoY +1.1% QoQ
+0.28% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
71%
Net Interest Margin ? 5.07%
-0.6% YoY -2.6% QoQ
+1.14% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
Top 6.3% in tier
Efficiency Ratio ? 56.81%
-5.2% YoY -2.5% QoQ
-8.48% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
69%
Delinquency Rate ? 0.63%
+18.3% YoY -7.7% QoQ
-0.26% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
39%
Loan-to-Deposit Ratio ? 87.28%
-0.7% YoY +0.7% QoQ
+10.64% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
30%
Non-Interest-Bearing Deposit Share ? 23.72%
-3.8% YoY -3.5% QoQ
+1.70% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
62%
Nonperforming Asset Ratio ? 0.53%
+22.6% YoY -1.1% QoQ
-0.11% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
36%
Tier 1 Capital Ratio ? 9.54%
+4.1% YoY +2.5% QoQ
-6.29% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
Bottom 5.0% in tier
Non-Interest Income / Assets ? 0.10%
+1.9% YoY -74.3% QoQ
-0.18% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
50%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#420 of 1308 • Bottom 32.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.63%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank declining

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

168
Net Interest Margin
profitability
Value: 5.07%
Peer Median: 3.93%
#168 of 2664 Top 6.3% in $100M-$1B

Top Weaknesses (1 metrics)

2531
Tier 1 Capital Ratio
capital
Value: 9.54%
Peer Median: 15.83%
#2531 of 2664 Bottom 5.0% in $100M-$1B
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