First Peoples Bank
Pine Mountain, GA · Cert 33010 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Peoples Bankshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$449.4MAssets
$356.4MLoans
$379.2MDeposits
$54.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets operating in a single state (rank 102 of 746).
- Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets operating in a single state (rank 499 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.01%
Rank 400 of 746
Net Interest Margin
4.47%
Rank 102 of 746
Efficiency Ratio
66.76%
Rank 419 of 746
Equity / Assets
12.06%
Rank 240 of 746
Non-interest income vs. expense
Unfavorable gap of $12.5M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.72% | 1.06% | 1.45% | Beats 46% | 400 / 746 | |
| Return on Equity | 8.39% | 6.74% | 10.51% | 13.63% | Beats 36% | 474 / 746 | |
| Net Interest Margin | 4.47% | 3.17% | 3.68% | 4.16% | Beats 86% | 102 / 746 | |
| Efficiency Ratio | 66.76% | 55.74% | 64.58% | 75.47% | Beats 44% | 419 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.42% | 1.07% | Beats 73% | 200 / 743 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 33% | 499 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.48% | 11.55% | 13.75% | 17.60% | Beats 56% | 325 / 746 | |
| Total Risk-Based Capital Ratio | 15.73% | 11.71% | 14.33% | 18.43% | Beats 61% | 291 / 746 | |
| Equity / Assets | 12.06% | 8.90% | 10.51% | 13.06% | Beats 68% | 240 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 93.99% | 61.31% | 78.27% | 90.78% | 82nd pctl | 136 / 746 | |
| Loans / Assets | 79.32% | 53.60% | 66.97% | 76.08% | 84th pctl | 121 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |