Peoplessouth Bank
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
$1.2BAssets
$873.9MLoans
$1.1BDeposits
$78.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks $1B-$10B in assets operating regionally (rank 3 of 176).
- Widest gap: equity / assets trails 99% of banks $1B-$10B in assets operating regionally (rank 174 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $22.4M · efficiency ratio beats 81% of banks $1B-$10B in assets operating regionally | 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 |