PEOPLESSOUTH BANK

COLQUITT, GA | Large | Est. Oct. 19, 1973, midnight | FDIC #21292 | RSSD #518037 | FDIC
Latest Report: 2025-12-31

PEOPLESSOUTH BANK is aln large FDIC-insured commercial bank headquartered in COLQUITT, GA, established in Oct. 19, 1973, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 1.48% ROA and 24.03% ROE, with a net interest margin of 4.38%. The bank's CET1 capital ratio is 6.20%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 1.00% and a Texas Ratio of 11.55%. FDIC Certificate #21292.

Assets

$1.2B

Deposits

$1.1B

Loans

$815M

Equity

$72M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 24.03%
Net Interest Margin (NIM) 4.38%
Yield on Assets 6.31%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 1.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 11.55%
NPA Ratio 0.82%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 6.20%
Tier 1 Capital 6.20%
Total Capital Ratio 6.50%
Leverage Ratio 10.47%
Loan-to-Deposit 75.21%

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