BlastPoint's Banking Scorecard
The Peoples Bank
Willacoochee, 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 ($95.2M on the books).
- Delinquency rate 0.90%.
- Return on assets 0.71%.
- Efficiency ratio 79.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 38.96% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 15.9% in tier
- - ROA 0.61% below tier average
- - Net Interest Margin 0.95% below tier average
- - Efficiency Ratio 15.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.3M
+0.1% YoY
-3.0% QoQ
|
-$277.2M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.6% in tier |
| Total Loans ? |
$37.1M
+6.8% YoY
+0.8% QoQ
|
-$221.3M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.1% in tier |
| Total Deposits ? |
$95.2M
-0.4% YoY
-3.5% QoQ
|
-$231.6M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.2% in tier |
| Return on Assets ? |
0.71%
+2.8% YoY
+10.1% QoQ
|
-0.61% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
3.04%
+1.4% YoY
+6.0% QoQ
|
-0.95% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio ? |
79.80%
+0.0% YoY
-1.4% QoQ
|
+15.32% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate ? |
0.90%
-18.2% YoY
-8.7% QoQ
|
-0.02% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
38.96%
+7.3% YoY
+4.4% QoQ
|
-38.99% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 3.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.16%
+6.3% YoY
-1.2% QoQ
|
+6.12% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.30%
-12.7% YoY
-5.2% QoQ
|
-0.36% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
12.45%
+2.4% YoY
+0.0% QoQ
|
-3.46% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.33%
+10.0% YoY
+97.4% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
77% |
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 |
28.2%
+1.7pp YoY -0.3pp QoQ |
+6.0pp | 22.1% | 26.2% | 22.2% | 76% |
| 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 |
6.1%
-2.2pp YoY +0.3pp QoQ |
-5.4pp | 11.6% | 9.7% | 12.5% | 26% |
| CRE | n/a | n/a | 39.5% | 48.9% | 41.4% | n/a |
| 1-4 Family |
29.4%
+1.6pp YoY 0.0pp QoQ |
-3.2pp | 32.6% | 31.7% | 31.3% | 50% |
| Consumer |
11.4%
-0.9pp YoY -0.5pp QoQ |
+7.3pp | 4.1% | 4.8% | 5.0% | 94% |
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 |
12.4%
+0.3pp YoY 0.0pp QoQ |
+0.3pp | 12.2% | 14.0% | 12.6% | 69% |
| 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 |
25
-1 (-3.8%) YoY +1 (+4.2%) QoQ |
-34 | 58 | 98 | 482 | 19% |
| Assets per Employee ($) |
$4.4M
+4.1% YoY -6.9% QoQ |
-$3.1M | $7.5M | $7.5M | $8.8M | 7% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.2pp YoY -0.1pp QoQ |
0.0pp | 0.9% | 0.8% | 1.0% | 69% |
| Allowance Coverage |
0.74x
+13.0% YoY +6.6% QoQ |
-23.41x | 24.15x | 38.10x | 20.23x | 19% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
-0.2pp YoY +0.5pp QoQ |
-6.5pp | 12.2% | 13.6% | 11.6% | 16% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 28% |
| Net Income ($, YTD) |
$390,000
+0.8% YoY — QoQ |
-$2.2M | $2.6M | $6.6M | $40.4M | 8% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.