FIRST PEOPLES BANK

PINE MOUNTAIN, GA | Small | Est. July 9, 1990, midnight | FDIC #33010 | RSSD #1459799 | FDIC
Latest Report: 2025-12-31

FIRST PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in PINE MOUNTAIN, GA, established in July 9, 1990, midnight. As of 2025-12-31, the bank reported total assets of $445M and total deposits of $383M. Profitability stands at 1.19% ROA and 10.68% ROE, with a net interest margin of 4.71%. The bank's CET1 capital ratio is 16.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.31%. FDIC Certificate #33010.

Assets

$445M

Deposits

$383M

Loans

$306M

Equity

$52M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 10.68%
Net Interest Margin (NIM) 4.71%
Yield on Assets 6.43%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.31%
NPA Ratio 0.04%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 16.28%
Tier 1 Capital 16.28%
Total Capital Ratio 17.53%
Leverage Ratio 13.52%
Loan-to-Deposit 80.01%

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