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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 1.39% | 1.42% | 1.65% | 1.53% | +10 bps | |
| Return on Equity | 28.14% | 25.93% | 25.60% | 26.57% | 24.34% | -379 bps | |
| Net Interest Margin | 3.74% | 3.68% | 3.60% | 4.00% | 3.79% | +5 bps | |
| Efficiency Ratio | 55.00% | 53.74% | 52.29% | 49.66% | 50.92% | -407 bps | |
| Non-Interest Burden | 1.81% | 1.81% | 1.73% | 1.82% | 1.79% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.13% | 2.46% | 4.77% | 7.57% | 6.45% | +432 bps | |
| Loan Growth (YoY) | 6.21% | 3.72% | 6.48% | 9.85% | 9.77% | +356 bps | |
| Deposit Growth (YoY) | 1.35% | 2.23% | 3.00% | 6.48% | 4.32% | +297 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 1.51% | 1.04% | 0.93% | 1.02% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.07% | 0.05% | -0.07% | 0.01% | +1 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.33% | 1.32% | 1.31% | +3 bps | |
| Allowance Coverage of NPLs | 1.5x | 0.8x | 1.3x | 1.4x | 1.3x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.51% | 10.57% | 9.94% | 10.80% | 10.45% | -7 bps | |
| Total Risk-Based Capital | 10.51% | 10.57% | 9.94% | 10.80% | 10.45% | -7 bps | |
| Equity / Assets | 5.41% | 6.14% | 6.20% | 6.25% | 6.46% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.20% | 73.66% | 75.21% | 74.89% | 78.08% | +388 bps | |
| Liquid Assets / Assets | 1.65% | 3.20% | 1.51% | 3.47% | 1.76% | +11 bps | |
| CRE / Total Capital | n/a | 316% | 331% | 334% | n/a | n/a | |