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First Peoples Bank

$100M-$1B Specialty: Commercial GA FDIC cert 33010

Pine Mountain, GA

9 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 +19.8% year over year ($379.2M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.04%.
  • Efficiency ratio 66.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.62% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

First Peoples Bank has 2 strengths but faces 3 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

  • + Net Interest Margin 0.86% above tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 12.8% in tier
  • - Margin Compression: Bottom 60.6% in tier
  • - Efficiency Ratio 2.28% above tier average
Get updates when First Peoples 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 ? $449.4M
+20.1% YoY +7.5% QoQ
+$62.8M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $351.2M
+22.5% YoY +8.6% QoQ
+$92.9M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $379.2M
+19.8% YoY +6.9% QoQ
+$52.5M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.04%
-21.5% YoY -1.9% QoQ
-0.28% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 4.85%
+7.8% YoY +4.5% QoQ
+0.86% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 11.0% in tier
Efficiency Ratio ? 66.76%
+14.2% YoY +0.5% QoQ
+2.28% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.12%
+96.5% YoY +89.4% QoQ
-0.80% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 92.62%
+2.2% YoY +1.6% QoQ
+14.66% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 27.54%
-16.5% YoY -19.1% QoQ
+5.51% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
75%
Nonperforming Asset Ratio ? 0.09%
+100.4% YoY +91.4% QoQ
-0.57% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 14.48%
+5.8% YoY -5.2% QoQ
-1.43% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.18%
+28.8% YoY +97.7% 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

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 27.5%
-5.4pp YoY
-6.5pp QoQ
 +5.4pp 22.1% 26.2% 22.2% 75%
Brokered Deposits 1.3%
-3.5pp YoY
 -6.5pp 7.9% 7.5% 8.5% 22%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 10.1%
-1.7pp YoY
+0.5pp QoQ
 -1.4pp 11.6% 9.7% 12.5% 53%
CRE 55.8%
+3.5pp YoY
+0.7pp QoQ
 +16.2pp 39.5% 48.9% 41.4% 79%
1-4 Family 27.1%
+2.4pp YoY
0.0pp QoQ
 -5.6pp 32.6% 31.7% 31.3% 45%
Consumer 0.9%
-0.3pp YoY
-0.3pp QoQ
 -3.2pp 4.1% 4.8% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 14.5%
+0.8pp YoY
-0.8pp QoQ
 -4.3pp 18.8% 20.9% 19.7% 44%
Leverage Ratio 12.8%
+1.7pp YoY
-0.2pp QoQ
 +0.7pp 12.2% 14.0% 12.6% 74%
Total Capital Ratio 15.7%
+0.8pp YoY
-0.8pp QoQ
 -4.2pp 19.9% 22.1% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 90
+30 (+50.0%) YoY
+12 (+15.4%) QoQ
 +31 58 98 482 82%
Assets per Employee ($) $5.0M
-19.9% YoY
-6.8% QoQ
 -$2.5M $7.5M $7.5M $8.8M 15%
Branch Count 7
+3 (+75.0%) YoY
+1 (+16.7%) QoQ
 +2 4 6 18 75%

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 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 21%
Allowance Coverage 12.21x
-51.6% YoY
-48.3% QoQ
 -11.94x 24.15x 38.10x 20.23x 84%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 8.6%
-4.9pp YoY
-0.2pp QoQ
 -3.6pp 12.2% 13.6% 11.6% 29%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 49%
Net Income ($, YTD) $2.3M
-9.5% YoY
— QoQ
 -$281K $2.6M $6.6M $40.4M 58%

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)

Credit Quality Pressure

risk
#162 of 1256 • Bottom 12.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Margin Compression

decline
#187 of 307 • Bottom 60.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.04%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

291
Net Interest Margin
profitability
Value: 4.85%
Peer Median: 3.99%
#291 of 2643 Top 11.0% in $100M-$1B

Top Weaknesses (1 metrics)

2084
Loan-to-Deposit Ratio
liquidity
Value: 92.62%
Peer Median: 77.95%
#2084 of 2643 Bottom 21.2% in $100M-$1B
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