BlastPoint's Banking Scorecard

PeoplesSouth Bank

$1B-$10B Specialty: Commercial GA FDIC cert 21292

Designations: ✓ Community bank

Colquitt, GA

33 branches across FL · AL · GA

884 banks in the $1B-$10B peer group nationally 11 in GA

PeoplesSouth Bank has 3 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

+ ROA 0.29% above tier average
+ Net Interest Margin 0.39% above tier average
+ Efficiency Ratio 11.40% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.05% above tier average

Get updates when PeoplesSouth Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$1.2B +7.6% YoY +3.7% QoQ	-$1.6B	$2.8B -0.1% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$828.0M +9.8% YoY +3.0% QoQ	-$1.1B	$2.0B +0.6% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$1.1B +6.5% YoY +3.4% QoQ	-$1.2B	$2.3B -0.3% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	1.65% +11.4% YoY +16.5% QoQ	+0.29%	1.37% +19.6% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.21% +8.3% YoY +2.1% QoQ	+0.39%	3.82% +6.9% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	49.66% -7.2% YoY -5.0% QoQ	-11.40%	61.06% -4.6% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.94% -1.4% YoY -10.4% QoQ	+0.05%	0.89% +14.1% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	73.90% +3.2% YoY -0.4% QoQ	-10.30%	84.20% +0.3% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	20.38% -6.5% YoY -1.8% QoQ	-0.91%	21.29% -2.5% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.75% -3.3% YoY -12.0% QoQ	+0.07%	0.67% +15.6% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	10.80% +9.1% YoY +8.6% QoQ	-4.36%	15.16% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Bottom 13.8% in tier
Non-Interest Income / Assets ?	0.08% -38.9% YoY -77.0% QoQ	-0.18%	0.26% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	22%

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

179

Net Interest Margin

profitability

Value: 4.21%

Peer Median: 3.82%

#179 of 884 Top 20.1% in $1B-$10B

183

Efficiency Ratio

profitability

Value: 49.66%

Peer Median: 61.06%

#183 of 884 Top 20.6% in $1B-$10B

194

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.37%

#194 of 884 Top 21.8% in $1B-$10B

198

Loan-to-Deposit Ratio

liquidity

Value: 73.90%

Peer Median: 84.20%

#198 of 884 Top 22.3% in $1B-$10B

Top Weaknesses (5 metrics)

763

Tier 1 Capital Ratio

capital

Value: 10.80%

Peer Median: 15.16%

#763 of 884 Bottom 13.8% in $1B-$10B

735

Total Loans

size

Value: $828.03M

Peer Median: $1.96B

#735 of 884 Bottom 17.0% in $1B-$10B

733

Total Assets

size

Value: $1.20B

Peer Median: $2.82B

#733 of 884 Bottom 17.2% in $1B-$10B

689

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#689 of 884 Bottom 22.2% in $1B-$10B

665

Total Deposits

size

Value: $1.12B

Peer Median: $2.34B

#665 of 884 Bottom 24.9% in $1B-$10B