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Letter portraitLegal landscapeQuarterYTD

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 $14.5MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $167.7M24%Noninterest $51.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.52%1.54%1.55%1.59%+9 bps
Return on Equity17.92%18.03%18.20%17.79%18.20%+28 bps
Net Interest Margin4.77%4.76%4.61%4.78%4.95%+18 bps
Efficiency Ratio58.37%58.49%58.28%56.81%56.34%-204 bps
Non-Interest Burden2.62%2.62%2.53%2.55%2.62%0 bps
Growth
Asset Growth (YoY)17.53%21.62%19.18%16.52%17.31%-22 bps
Loan Growth (YoY)21.39%19.40%19.21%14.58%17.86%-353 bps
Deposit Growth (YoY)20.36%22.35%18.99%15.46%12.20%-816 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.49%0.67%0.62%0.32%-12 bps
Net Charge-Offs / Loans0.03%0.14%0.09%0.08%0.02%-1 bps
Allowance / Loans1.02%0.95%0.97%0.97%0.98%-4 bps
Allowance Coverage of NPLs2.3x1.9x1.4x1.6x3.1x+0.8x
Capital
Tier 1 Leverage Ratio9.23%9.44%9.31%9.54%9.65%+42 bps
Total Risk-Based Capital9.23%9.44%9.31%9.54%9.65%+42 bps
Equity / Assets8.45%8.53%8.57%8.90%8.72%+27 bps
Liquidity & Funding
Loans / Deposits90.67%87.91%87.55%88.13%95.24%+458 bps
Liquid Assets / Assets6.00%9.12%9.71%9.12%7.14%+114 bps
CRE / Total Capitaln/a202%215%200%n/an/a