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Peoples Bank of Georgia, The

Talbotton, GA · Cert 170

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

73

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 of Georgia, The

Talbotton, GA · Cert 170

State charter, non-member · FDIC · 4 branches

Q2 2026

$252.3MAssets
$208.8MLoans
$219.3MDeposits
$22.0MEquity
Loan mix
85%RE $164.1M7%C&I $13.8M8%Consumer $14.5MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $167.7M24%Noninterest $51.6MQ3 2024Q2 2026

Market Position · Columbus, GA-AL · 2026 SOD (annual) · 1.2% share · #10 of 16 inst. · $0.1B of $9.5B

12.9% Upson
53.0% Marion
80.5% Talbot
39.4% Schley

Executive Summary

  • Earnings: ROA of 1.59%, up 9 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.32% of loans (-12 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.65%, up 42 bps from a year ago.
  • Funding: loans stand at 95.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.59%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+18 bps YoY

Efficiency Ratio (YTD, annualized)

56.34%-204 bps YoY

Tier 1 Leverage Ratio

9.65%+42 bps YoY

NIM

6.40%Q2 ’246.83%Q2 ’256.89%Q2 ’26+5%+4%

Non-interest income vs. expense

2.98%Q2 ’243.02%Q2 ’253.01%Q2 ’26+3%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.27%1.33%1.50%1.52%1.54%1.55%1.59%+9 bps
Return on Equity15.14%14.97%15.95%17.92%18.03%18.20%17.79%18.20%+28 bps
Net Interest Margin4.52%4.35%4.71%4.77%4.76%4.61%4.78%4.95%+18 bps
Efficiency Ratio61.37%62.31%59.95%58.37%58.49%58.28%56.81%56.34%-204 bps
Non-Interest Burden2.61%2.55%2.67%2.62%2.62%2.53%2.55%2.62%0 bps
Growth
Asset Growth (YoY)11.15%18.71%17.03%17.53%21.62%19.18%16.52%17.31%-22 bps
Loan Growth (YoY)11.82%13.07%19.92%21.39%19.40%19.21%14.58%17.86%-353 bps
Deposit Growth (YoY)14.32%18.74%17.14%20.36%22.35%18.99%15.46%12.20%-816 bps
Asset Quality
Nonperforming Loans / Loans0.67%0.64%0.52%0.44%0.49%0.67%0.62%0.32%-12 bps
Net Charge-Offs / Loans0.19%0.14%0.07%0.03%0.14%0.09%0.08%0.02%-1 bps
Allowance / Loans0.96%0.99%1.01%1.02%0.95%0.97%0.97%0.98%-4 bps
Allowance Coverage of NPLs1.4x1.5x1.9x2.3x1.9x1.4x1.6x3.1x+0.8x
Capital
Tier 1 Leverage Ratio9.66%9.40%9.16%9.23%9.44%9.31%9.54%9.65%+42 bps
Total Risk-Based Capital9.66%9.40%9.16%9.23%9.44%9.31%9.54%9.65%+42 bps
Equity / Assets8.81%8.35%8.30%8.45%8.53%8.57%8.90%8.72%+27 bps
Liquidity & Funding
Loans / Deposits90.09%87.38%88.80%90.67%87.91%87.55%88.13%95.24%+458 bps
Liquid Assets / Assets5.17%8.32%7.88%6.00%9.12%9.71%9.12%7.14%+114 bps
CRE / Total Capitaln/an/an/an/a202%215%200%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 of Georgia, The

Talbotton, GA · Cert 170 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 4 branches

Q2 2026

$252.3MAssets
$208.8MLoans
$219.3MDeposits
$22.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets operating in a single state (rank 34 of 746).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets operating in a single state (rank 715 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 161 of 746

Net Interest Margin

4.95%

Rank 34 of 746

Efficiency Ratio

56.34%

Rank 201 of 746

Equity / Assets

8.72%

Rank 581 of 746

Non-interest income vs. expense

$0.9M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state
Bank 56.34%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%0.72%1.06%1.45%Beats 78%161 / 746
Return on Equity17.58%6.74%10.51%13.63%Beats 92%56 / 746
Net Interest Margin4.95%3.17%3.68%4.16%Beats 95%34 / 746
Efficiency Ratio56.34%55.74%64.58%75.47%Beats 73%201 / 746
Asset Quality
Nonperforming Loans / Loans0.32%0.09%0.42%1.07%Beats 58%311 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 32%507 / 743
Capital
Tier 1 Capital Ratio9.65%11.55%13.75%17.60%Beats 4%715 / 746
Total Risk-Based Capital Ratio9.65%11.71%14.33%18.43%Beats 4%715 / 746
Equity / Assets8.72%8.90%10.51%13.06%Beats 22%581 / 746
Liquidity & Funding
Loans / Deposits95.24%61.31%78.27%90.78%85th pctl115 / 746
Loans / Assets82.77%53.60%66.97%76.08%91st pctl66 / 746
Brokered Deposits / Depositsn/aNot reported for this institution