Peoples Bank, The
Willacoochee, GA · Cert 17073 · Peer group: banks under $1B in assets in GA (n=58-59) · Atkinson Cnty Bankshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$109.3MAssets
$37.3MLoans
$95.2MDeposits
$13.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 61% of banks under $1B in assets in GA (rank 23 of 59).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in GA (rank 54 of 59).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.56%
Rank 51 of 59
Net Interest Margin
2.81%
Rank 54 of 59
Efficiency Ratio
79.80%
Rank 52 of 59
Equity / Assets
12.70%
Rank 23 of 59
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 14% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.94% | 1.46% | 1.76% | Beats 14% | 51 / 59 | |
| Return on Equity | 4.41% | 7.92% | 11.60% | 15.10% | Beats 12% | 52 / 59 | |
| Net Interest Margin | 2.81% | 3.66% | 4.24% | 4.75% | Beats 8% | 54 / 59 | |
| Efficiency Ratio | 79.80% | 51.87% | 60.25% | 70.24% | Beats 14% | 52 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.10% | 0.36% | 0.89% | Beats 26% | 44 / 58 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 48% | 31 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 12.45% | 11.93% | 15.65% | 21.05% | Beats 29% | 42 / 59 | |
| Total Risk-Based Capital Ratio | 12.45% | 12.05% | 15.77% | 22.26% | Beats 27% | 43 / 59 | |
| Equity / Assets | 12.70% | 9.10% | 11.51% | 14.32% | Beats 61% | 23 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 39.22% | 59.62% | 72.81% | 85.44% | 5th pctl | 55 / 58 | |
| Loans / Assets | 34.14% | 49.55% | 64.39% | 73.73% | 7th pctl | 55 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |