BlastPoint's Banking Scorecard
The Peoples Bank of Georgia
Talbotton, GA
4 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 +12.2% year over year ($219.3M on the books).
- Delinquency rate 0.32%.
- Return on assets 1.59%.
- Efficiency ratio 56.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 94.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Bank of Georgia shows strong momentum with 4 strengths and 17.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above tier average
- + ROA 0.27% above tier average
- + Efficiency Ratio 8.14% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$252.3M
+17.3% YoY
+4.0% QoQ
|
-$134.3M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$206.8M
+17.9% YoY
+8.2% QoQ
|
-$51.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$219.3M
+12.2% YoY
+0.1% QoQ
|
-$107.5M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.59%
+6.0% YoY
+2.3% QoQ
|
+0.27% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
5.20%
-1.0% YoY
+2.5% QoQ
|
+1.21% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 5.6% in tier |
| Efficiency Ratio ? |
56.34%
-3.5% YoY
-0.8% QoQ
|
-8.14% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.32%
-27.9% YoY
-48.7% QoQ
|
-0.60% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
94.31%
+5.1% YoY
+8.1% QoQ
|
+16.36% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
23.52%
-6.9% YoY
-0.9% QoQ
|
+1.49% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.30%
-19.8% YoY
-43.9% QoQ
|
-0.37% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
9.65%
+4.6% YoY
+1.1% QoQ
|
-6.26% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.7% in tier |
| Non-Interest Income / Assets ? |
0.19%
-5.5% YoY
+91.8% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
45% |
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 |
23.5%
-1.7pp YoY -0.2pp QoQ |
+1.4pp | 22.1% | 26.2% | 22.2% | 60% |
| 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 |
7.4%
+0.6pp YoY +0.2pp QoQ |
-4.2pp | 11.6% | 9.7% | 12.5% | 35% |
| CRE |
23.6%
-2.0pp YoY -0.3pp QoQ |
-16.0pp | 39.5% | 48.9% | 41.4% | 24% |
| 1-4 Family |
55.1%
-0.1pp YoY -0.7pp QoQ |
+22.5pp | 32.6% | 31.7% | 31.3% | 86% |
| Consumer |
7.3%
-0.9pp YoY -0.3pp QoQ |
+3.2pp | 4.1% | 4.8% | 5.0% | 86% |
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 |
9.6%
+0.4pp YoY +0.1pp QoQ |
-2.5pp | 12.2% | 14.0% | 12.6% | 24% |
| 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 |
44
+2 (+4.8%) YoY +1 (+2.3%) QoQ |
-15 | 58 | 98 | 482 | 46% |
| Assets per Employee ($) |
$5.7M
+12.0% YoY +1.7% QoQ |
-$1.8M | $7.5M | $7.5M | $8.8M | 28% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp YoY -0.2pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.4% | 64% |
| Nonaccrual |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 22% |
| Allowance Coverage |
3.07x
+33.4% YoY +97.5% QoQ |
-21.08x | 24.15x | 38.10x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.2%
+0.3pp YoY +0.4pp QoQ |
+6.0pp | 12.2% | 13.6% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 72% |
| Net Income ($, YTD) |
$1.9M
+24.7% YoY — QoQ |
-$621K | $2.6M | $6.6M | $40.4M | 51% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.