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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 $14.5MQ3 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 1.63%, down 3 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 0.32% of loans (-12 bps YoY), with net recoveries of 0.03%.
  • 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 (quarter, annualized)

1.63%-3 bps YoY

Net Interest Margin (quarter, annualized)

5.17%+16 bps YoY

Efficiency Ratio (quarter, annualized)

55.90%-105 bps YoY

Tier 1 Leverage Ratio

9.65%+42 bps YoY

NIM

6.62%Q2 ’247.09%Q2 ’257.11%Q2 ’26+7%+3%

Non-interest income vs. expense

3.05%Q2 ’243.09%Q2 ’253.11%Q2 ’26+4%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.23%1.33%1.66%1.55%1.60%1.55%1.63%-3 bps
Return on Equity14.87%14.34%15.95%19.82%18.26%18.69%17.79%18.47%-135 bps
Net Interest Margin4.67%4.62%4.71%5.01%4.91%4.94%4.78%5.17%+16 bps
Efficiency Ratio63.96%64.89%59.95%56.95%58.71%57.70%56.81%55.90%-105 bps
Non-Interest Burden2.83%2.84%2.67%2.67%2.71%2.67%2.55%2.72%+5 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 / Loans0.01%-0.01%0.07%-0.01%0.37%-0.03%0.08%-0.03%-3 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