PEOPLES BANK OF GEORGIA, THE

TALBOTTON, GA | Small | Est. Jan. 1, 1891, midnight | FDIC #170 | RSSD #272030 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK OF GEORGIA, THE is asn small FDIC-insured commercial bank headquartered in TALBOTTON, GA, established in Jan. 1, 1891, midnight. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $214M. Profitability stands at 1.60% ROA and 18.69% ROE, with a net interest margin of 5.35%. The bank's CET1 capital ratio is 8.57%. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 2.14%. FDIC Certificate #170.

Assets

$235M

Deposits

$214M

Loans

$187M

Equity

$20M

Profitability

Return on Assets (ROA) 1.60%
Return on Equity (ROE) 18.69%
Net Interest Margin (NIM) 5.35%
Yield on Assets 7.60%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.09%
Texas Ratio 2.14%
NPA Ratio 0.20%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 8.57%
Tier 1 Capital 8.57%
Total Capital Ratio 9.00%
Leverage Ratio 9.31%
Loan-to-Deposit 87.55%

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