BlastPoint's Banking Scorecard

PeoplesSouth Bank

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

Designations: ✓ Community bank

Colquitt, GA

34 branches across FL · AL · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
Deposits +4.3% year over year ($1.1B on the books).
Delinquency rate 1.03%.
Return on assets 1.53%.
Efficiency ratio 50.92% vs a 59.73% peer average.
Loan-to-deposit ratio 77.06% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in GA

View $1B-$10B leaderboard (GA) →

PeoplesSouth Bank has 3 strengths but faces 2 concerns

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 0.14% above tier average
+ Net Interest Margin 0.36% above tier average
+ Efficiency Ratio 8.80% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 38.3% in tier
- Credit Risk Growth: Bottom 49.5% in tier

Get updates when PeoplesSouth Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$1.2B +6.4% YoY +0.8% QoQ	-$1.6B	$2.8B -0.6% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$862.4M +9.7% YoY +4.2% QoQ	-$1.1B	$2.0B -0.3% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$1.1B +4.3% YoY -0.1% QoQ	-$1.2B	$2.3B -0.5% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	1.53% +3.0% YoY -7.2% QoQ	+0.14%	1.39% +17.0% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	4.23% +4.1% YoY +0.4% QoQ	+0.36%	3.87% +6.2% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	50.92% -6.6% YoY +2.5% QoQ	-8.80%	59.73% -12.6% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	1.03% +14.7% YoY +9.4% QoQ	+0.16%	0.87% +11.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	77.06% +5.2% YoY +4.3% QoQ	-7.98%	85.04% -0.1% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	74%
Non-Interest-Bearing Deposit Share ?	20.40% -3.4% YoY +0.1% QoQ	-0.87%	21.27% -1.5% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.73% -2.7% YoY -2.2% QoQ	+0.06%	0.67% +11.7% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	10.45% +3.2% YoY -3.3% QoQ	-4.40%	14.84% -0.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Bottom 10.3% in tier
Non-Interest Income / Assets ?	0.15% -49.2% YoY +94.1% QoQ	-0.38%	0.53% +2.5% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	19%

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	20.4% -0.7pp YoY 0.0pp QoQ	-1.0pp	21.4%	26.2%	22.2%	53%
Brokered Deposits	n/a	n/a	9.5%	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	9.2% +0.8pp YoY -0.1pp QoQ	-4.8pp	14.0%	9.7%	12.5%	40%
CRE	48.8% -0.7pp YoY -2.2pp QoQ	-1.2pp	50.0%	48.9%	41.4%	46%
1-4 Family	27.0% +0.6pp YoY +0.5pp QoQ	+0.6pp	26.4%	31.7%	31.3%	60%
Consumer	2.0% -0.3pp YoY -0.1pp QoQ	-2.7pp	4.7%	4.8%	5.0%	63%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	20.9%	19.7%	n/a
Leverage Ratio	10.4% +0.3pp YoY -0.4pp QoQ	-0.9pp	11.3%	14.0%	12.6%	48%
Total Capital Ratio	n/a	n/a	16.7%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	198 -5 (-2.5%) YoY 0 QoQ	-116	313	98	482	41%
Assets per Employee ($)	$6.1M +9.1% YoY +0.8% QoQ	-$4.3M	$10.5M	$7.5M	$8.8M	14%
Branch Count	33 0 YoY 0 QoQ	+13	20	6	18	84%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.1%	0.4%	23%
Nonaccrual	1.0% +0.1pp YoY +0.1pp QoQ	+0.2pp	0.8%	0.8%	1.0%	74%
Allowance Coverage	1.29x -11.1% YoY -9.5% QoQ	-17.42x	18.71x	38.10x	20.23x	33%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	33%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	24.3% -4.8pp YoY -2.2pp QoQ	+11.7pp	12.6%	13.6%	11.6%	96%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.6%	1.7%	46%
Net Income ($, YTD)	$9.2M +9.5% YoY — QoQ	-$10.1M	$19.2M	$6.6M	$40.4M	35%

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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)

Capital Thin

risk

#86 of 222 • Bottom 38.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.45%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Risk Growth

risk

#200 of 402 • Bottom 49.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

190

Net Interest Margin

profitability

Value: 4.23%

Peer Median: 3.87%

#190 of 885 Top 21.4% in $1B-$10B

218

Efficiency Ratio

profitability

Value: 50.92%

Peer Median: 59.73%

#218 of 885 Top 24.5% in $1B-$10B

Top Weaknesses (5 metrics)

795

Tier 1 Capital Ratio

capital

Value: 10.45%

Peer Median: 14.84%

#795 of 885 Bottom 10.3% in $1B-$10B

724

Total Assets

size

Value: $1.21B

Peer Median: $2.79B

#724 of 885 Bottom 18.3% in $1B-$10B

714

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.53%

#714 of 885 Bottom 19.4% in $1B-$10B

711

Total Loans

size

Value: $862.41M

Peer Median: $1.96B

#711 of 885 Bottom 19.8% in $1B-$10B

667

Total Deposits

size

Value: $1.12B

Peer Median: $2.32B

#667 of 885 Bottom 24.7% in $1B-$10B