BlastPoint's Banking Scorecard

The Peoples Bank

$100M-$1B Specialty: Agricultural GA FDIC cert 17073

Willacoochee, GA

2 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

The Peoples Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 8.6% in tier
- Efficiency Drag: Bottom 24.9% in tier
- Net Interest Margin 1.06% below tier average
- ROA 0.62% below tier average
- Delinquency Rate 0.10% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$112.7M -1.1% YoY +6.5% QoQ	-$273.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Bottom 3.7% in tier
Total Loans ?	$36.8M +3.7% YoY +0.3% QoQ	-$218.9M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Bottom 1.3% in tier
Total Deposits ?	$98.6M -1.7% YoY +7.4% QoQ	-$229.4M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Bottom 5.2% in tier
Return on Assets ?	0.65% +9.9% YoY -12.1% QoQ	-0.62%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	19%
Net Interest Margin ?	2.87% +1.0% YoY -4.9% QoQ	-1.06%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Bottom 7.8% in tier
Efficiency Ratio ?	80.95% -1.2% YoY +2.3% QoQ	+15.66%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Bottom 14.3% in tier
Delinquency Rate ?	0.98% -6.6% YoY -7.2% QoQ	+0.10%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	37.31% +5.4% YoY -6.6% QoQ	-39.33%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Top 3.4% in tier
Non-Interest-Bearing Deposit Share ?	28.50% -0.9% YoY -1.6% QoQ	+6.48%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.32% -2.2% YoY -12.6% QoQ	-0.32%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	12.44% +6.0% YoY -5.0% QoQ	-3.39%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.17% +17.9% YoY -76.0% QoQ	-0.11%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	79%

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$250B+

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 (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#45 of 512 • Bottom 8.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.65%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#104 of 414 • Bottom 24.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.95%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 37.31%

Peer Median: 76.64%

#92 of 2664 Top 3.4% in $100M-$1B

569

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#569 of 2664 Top 21.3% in $100M-$1B

587

Non-Interest-Bearing Deposit Share

funding

Value: 28.50%

Peer Median: 22.02%

#587 of 2664 Top 22.0% in $100M-$1B

Top Weaknesses (6 metrics)

2631

Total Loans

size

Value: $36.79M

Peer Median: $255.72M

#2631 of 2664 Bottom 1.3% in $100M-$1B

2566

Total Assets

size

Value: $112.69M

Peer Median: $386.08M

#2566 of 2664 Bottom 3.7% in $100M-$1B

2526

Total Deposits

size

Value: $98.61M

Peer Median: $327.97M

#2526 of 2664 Bottom 5.2% in $100M-$1B

2457

Net Interest Margin

profitability

Value: 2.87%

Peer Median: 3.93%

#2457 of 2664 Bottom 7.8% in $100M-$1B

2283

Efficiency Ratio

profitability

Value: 80.95%

Peer Median: 65.29%

#2283 of 2664 Bottom 14.3% in $100M-$1B

2171

Return on Assets

profitability

Value: 0.65%

Peer Median: 1.27%

#2171 of 2664 Bottom 18.5% in $100M-$1B