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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