Colquitt, GA · Cert 21292 · Peoplessouth Bancshares Inc.
State charter, non-member · FDIC · 33 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
44
Profitability
79
Liquidity
32
Efficiency
81
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.
Colquitt, GA · Cert 21292 · Peoplessouth Bancshares Inc.
State charter, non-member · FDIC · 33 branches
Q2 2026
Market Position · Dothan, AL · 2026 SOD (annual) · 4.5% share · #6 of 18 inst. · $0.2B of $4.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.18% | 1.47% | 1.44% | 1.39% | 1.42% | 1.65% | 1.53% | +10 bps | |
| Return on Equity | 26.47% | 25.66% | 29.65% | 28.14% | 25.93% | 25.60% | 26.57% | 24.34% | -379 bps | |
| Net Interest Margin | 3.36% | 3.41% | 3.65% | 3.74% | 3.68% | 3.60% | 4.00% | 3.79% | +5 bps | |
| Efficiency Ratio | 57.48% | 58.74% | 53.52% | 55.00% | 53.74% | 52.29% | 49.66% | 50.92% | -407 bps | |
| Non-Interest Burden | 1.79% | 1.88% | 1.71% | 1.81% | 1.81% | 1.73% | 1.82% | 1.79% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.22% | -0.82% | 1.75% | 2.13% | 2.46% | 4.77% | 7.57% | 6.45% | +432 bps | |
| Loan Growth (YoY) | 5.51% | 5.07% | 6.92% | 6.21% | 3.72% | 6.48% | 9.85% | 9.77% | +356 bps | |
| Deposit Growth (YoY) | 1.64% | -1.51% | 0.22% | 1.35% | 2.23% | 3.00% | 6.48% | 4.32% | +297 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.92% | 0.97% | 0.94% | 0.89% | 1.51% | 1.04% | 0.93% | 1.02% | +13 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.13% | 0.00% | 0.00% | 0.07% | 0.05% | -0.07% | 0.01% | +1 bps | |
| Allowance / Loans | 1.35% | 1.31% | 1.31% | 1.28% | 1.27% | 1.33% | 1.32% | 1.31% | +3 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.4x | 1.4x | 1.5x | 0.8x | 1.3x | 1.4x | 1.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.26% | 9.92% | 10.46% | 10.51% | 10.57% | 9.94% | 10.80% | 10.45% | -7 bps | |
| Total Risk-Based Capital | 10.26% | 9.92% | 10.46% | 10.51% | 10.57% | 9.94% | 10.80% | 10.45% | -7 bps | |
| Equity / Assets | 5.69% | 4.57% | 5.34% | 5.41% | 6.14% | 6.20% | 6.25% | 6.46% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.60% | 72.75% | 72.59% | 74.20% | 73.66% | 75.21% | 74.89% | 78.08% | +388 bps | |
| Liquid Assets / Assets | 2.28% | 1.44% | 2.40% | 1.65% | 3.20% | 1.51% | 3.47% | 1.76% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 316% | 331% | 334% | n/a | n/a | |
Colquitt, GA · Cert 21292 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Peoplessouth Bancshares Inc.
State charter, non-member · FDIC · 33 branches
Q2 2026
Return on Assets
1.51%
Rank 47 of 176
Net Interest Margin
3.79%
Rank 60 of 176
Efficiency Ratio
50.92%
Rank 35 of 176
Equity / Assets
6.46%
Rank 174 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 0.93% | 1.26% | 1.54% | Beats 73% | 47 / 176 | ||
| Return on Equity | 23.34% | 9.26% | 11.89% | 14.46% | Beats 98% | 3 / 176 | ||
| Net Interest Margin | 3.79% | 3.25% | 3.59% | 3.93% | Beats 66% | 60 / 176 | ||
| Efficiency Ratio | 50.92% | 52.79% | 59.55% | 67.66% | Beats 81% | 35 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.02% | 0.30% | 0.64% | 1.32% | Beats 32% | 121 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 56% | 79 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.45% | 11.15% | 12.72% | 14.15% | Beats 14% | 152 / 176 | ||
| Total Risk-Based Capital Ratio | 10.45% | 11.81% | 13.63% | 15.33% | Beats 10% | 159 / 176 | ||
| Equity / Assets | 6.46% | 9.16% | 10.35% | 11.80% | Beats 1% | 174 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.08% | 80.94% | 89.73% | 97.21% | 16th pctl | 147 / 176 | ||
| Loans / Assets | 71.92% | 69.25% | 75.12% | 80.82% | 34th pctl | 116 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||