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
Unfavorable gap of $6.3M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.72% | 1.06% | 1.45% | Beats 78% | 161 / 746 | |
| Return on Equity | 17.58% | 6.74% | 10.51% | 13.63% | Beats 92% | 56 / 746 | |
| Net Interest Margin | 4.95% | 3.17% | 3.68% | 4.16% | Beats 95% | 34 / 746 | |
| Efficiency Ratio | 56.34% | 55.74% | 64.58% | 75.47% | Beats 73% | 201 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.42% | 1.07% | Beats 58% | 311 / 743 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 507 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.65% | 11.55% | 13.75% | 17.60% | Beats 4% | 715 / 746 | |
| Total Risk-Based Capital Ratio | 9.65% | 11.71% | 14.33% | 18.43% | Beats 4% | 715 / 746 | |
| Equity / Assets | 8.72% | 8.90% | 10.51% | 13.06% | Beats 22% | 581 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 95.24% | 61.31% | 78.27% | 90.78% | 85th pctl | 115 / 746 | |
| Loans / Assets | 82.77% | 53.60% | 66.97% | 76.08% | 91st pctl | 66 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |