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
Unfavorable gap of $3.9M · efficiency ratio beats 64% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.94% | 1.46% | 1.76% | Beats 36% | 38 / 59 | | |
| Return on Equity | 11.38% | 7.92% | 11.60% | 15.10% | Beats 46% | 32 / 59 | | |
| Net Interest Margin | 3.92% | 3.66% | 4.24% | 4.75% | Beats 34% | 39 / 59 | | |
| Efficiency Ratio | 57.33% | 51.87% | 60.25% | 70.24% | Beats 64% | 22 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.12% | 0.10% | 0.36% | 0.89% | Beats 2% | 58 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 71% | 20 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 22.12% | 11.93% | 15.65% | 21.05% | Beats 81% | 11 / 59 | | |
| Total Risk-Based Capital Ratio | 23.38% | 12.05% | 15.77% | 22.26% | Beats 83% | 10 / 59 | | |
| Equity / Assets | 10.89% | 9.10% | 11.51% | 14.32% | Beats 47% | 31 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.49% | 59.62% | 72.81% | 85.44% | 41st pctl | 34 / 58 | | |
| Loans / Assets | 59.73% | 49.55% | 64.39% | 73.73% | 42nd pctl | 34 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |