PEOPLES BANK OF GEORGIA, THE
PEOPLES BANK OF GEORGIA, THE is an FDIC-insured commercial bank headquartered in TALBOTTON, GA, established in 1891. As of , 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 5.19%. CET1 capital ratio: 8.57%. NPL ratio: 0.29% · Texas Ratio: 2.46%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Peoples Bank of Georgia, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 8.57% | 1.60% | 0.29% | 2.46% | 5.19% |
| 2025-09-30 | 8.53% | 1.55% | 0.30% | 2.63% | 5.19% |
| 2025-06-30 | 8.45% | 1.66% | 0.28% | 2.53% | 5.27% |
| 2025-03-31 | 8.30% | 1.33% | 0.42% | 3.78% | 4.99% |
| 2024-12-31 | 8.35% | 1.23% | 0.58% | 5.16% | 4.91% |
| 2024-09-30 | 8.81% | 1.28% | 0.60% | 5.18% | 4.96% |
| 2024-06-30 | 8.40% | 1.38% | 0.33% | 2.93% | 4.95% |
| 2024-03-31 | 8.26% | 1.19% | 0.45% | 4.00% | 4.87% |
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Frequently asked about PEOPLES BANK OF GEORGIA, THE
What are Peoples Bank of Georgia, the's total assets?
As of the Q4 2025 filing, Peoples Bank of Georgia, the reported total assets of $235.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank of Georgia, the headquartered?
Peoples Bank of Georgia, the is headquartered in TALBOTTON, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples Bank of Georgia, the founded?
Peoples Bank of Georgia, the was established in 1891, per the FDIC institution directory.
Is Peoples Bank of Georgia, the FDIC-insured?
Yes. Peoples Bank of Georgia, the is an FDIC-insured commercial bank (FDIC Certificate #170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Georgia, the?
Peoples Bank of Georgia, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank of Georgia, the's CET1 capital ratio?
Peoples Bank of Georgia, the reported a Common Equity Tier 1 (CET1) capital ratio of 8.57% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Peoples Bank of Georgia, the operate?
Peoples Bank of Georgia, the operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peoples Bank of Georgia, the's Texas Ratio?
Peoples Bank of Georgia, the's Texas Ratio is 2.46% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.