BanksPEOPLESSOUTH BANK

PEOPLESSOUTH BANK

COLQUITT, GALargeEst. Oct. 19, 1973, midnightFDIC #21292RSSD #518037FDIC
Latest · 2025-12-31

PEOPLESSOUTH BANK is an 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%. CET1 capital ratio: 6.20%, below the well-capitalized threshold. NPL ratio: 1.00% · Texas Ratio: 11.55%. Operates 33 domestic branches.

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 Margin4.38%
Yield on Assets6.31%
Cost of Funds1.91%

Asset Quality

NPL Ratio1.00%
Net Charge-Off Ratio0.05%
Texas Ratio11.55%
NPA Ratio0.82%
ACL / Loans1.33%

Capital & Liquidity

CET1 Ratio6.20%
Tier 1 Capital6.20%
Total Capital Ratio6.50%
Leverage Ratio10.47%
Loan-to-Deposit75.21%

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