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Peoples Bank

Lyons, GA · Cert 15216 · South Georgia Bankshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank

Lyons, GA · Cert 15216 · South Georgia Bankshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$192.4MAssets
$114.9MLoans
$170.3MDeposits
$21.0MEquity
Loan mix
87%RE $97.0M10%C&I $11.5M3%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $134.1M21%Noninterest $36.2MQ2 2025Q2 2026

NIM

5.78%Q2 ’245.74%Q2 ’255.43%Q2 ’26-3%-3%

Non-interest income vs. expense

2.54%Q2 ’242.52%Q2 ’252.47%Q2 ’26+0%-4%

Executive Summary

  • Earnings: ROA of 1.24%, down 8 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 5.12% of loans (+512 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.18%, up 17 bps from a year ago.
  • Funding: loans stand at 67.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-12 bps YoY

Efficiency Ratio (YTD, annualized)

57.33%-2 bps YoY

Tier 1 Leverage Ratio

11.18%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%0.80%1.06%1.26%1.24%-8 bps
Return on Equity12.66%7.76%10.18%11.91%11.66%-100 bps
Net Interest Margin4.04%3.69%3.80%3.81%3.92%-12 bps
Efficiency Ratio57.35%59.88%56.94%55.10%57.33%-2 bps
Non-Interest Burden2.16%2.06%2.01%1.90%2.07%-9 bps
Growth
Asset Growth (YoY)18.12%19.17%7.00%6.88%1.01%-1,712 bps
Loan Growth (YoY)10.24%7.70%15.24%20.52%12.76%+252 bps
Deposit Growth (YoY)18.64%20.49%6.64%6.93%0.44%-1,820 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%4.70%5.10%5.12%+512 bps
Net Charge-Offs / Loans0.12%0.93%0.67%0.01%0.00%-12 bps
Allowance / Loans1.52%1.35%1.52%1.52%1.60%+8 bps
Allowance Coverage of NPLsn/a116.3x0.3x0.3x0.3xn/a
Capital
Tier 1 Leverage Ratio11.01%10.15%10.45%10.82%11.18%+17 bps
Total Risk-Based Capital24.17%23.49%25.50%22.59%23.38%-79 bps
Equity / Assets10.38%10.02%10.56%10.55%10.89%+51 bps
Liquidity & Funding
Loans / Deposits60.12%60.30%64.77%67.04%67.49%+737 bps
Liquid Assets / Assets35.71%35.60%31.49%28.58%27.93%-778 bps
CRE / Total Capitaln/a272%279%293%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Bank

Lyons, GA · Cert 15216 · Peer group: banks under $1B in assets in GA (n=58-59) · South Georgia Bankshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$192.4MAssets
$114.9MLoans
$170.3MDeposits
$21.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 83% of banks under $1B in assets in GA (rank 10 of 59).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in GA (rank 58 of 58).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.24%

Rank 38 of 59

Net Interest Margin

3.92%

Rank 39 of 59

Efficiency Ratio

57.33%

Rank 22 of 59

Equity / Assets

10.89%

Rank 31 of 59

Non-interest income vs. expense

$0.8M$4.7MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 64% of banks under $1B in assets in GA
Bank 57.33%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.94%1.46%1.76%Beats 36%38 / 59
Return on Equity11.38%7.92%11.60%15.10%Beats 46%32 / 59
Net Interest Margin3.92%3.66%4.24%4.75%Beats 34%39 / 59
Efficiency Ratio57.33%51.87%60.25%70.24%Beats 64%22 / 59
Asset Quality
Nonperforming Loans / Loans5.12%0.10%0.36%0.89%Beats 2%58 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 71%20 / 58
Capital
Tier 1 Capital Ratio22.12%11.93%15.65%21.05%Beats 81%11 / 59
Total Risk-Based Capital Ratio23.38%12.05%15.77%22.26%Beats 83%10 / 59
Equity / Assets10.89%9.10%11.51%14.32%Beats 47%31 / 59
Liquidity & Funding
Loans / Deposits67.49%59.62%72.81%85.44%41st pctl34 / 58
Loans / Assets59.73%49.55%64.39%73.73%42nd pctl34 / 59
Brokered Deposits / Depositsn/aNot reported for this institution