BanksPEOPLES BANK, THE

PEOPLES BANK, THE

WILLACOOCHEE, GASmallEst. Sept. 24, 1948, midnightFDIC #17073RSSD #575133FDIC
Latest · 2025-12-31

PEOPLES BANK, THE is an FDIC-insured commercial bank headquartered in WILLACOOCHEE, GA, established in Sept. 24, 1948, midnight. As of 2025-12-31, the bank reported total assets of $106M and total deposits of $92M. Profitability stands at 0.53% ROA and 4.07% ROE, with a net interest margin of 3.11%. CET1 capital ratio: 12.98%, well above regulatory minimums. NPL ratio: 1.05% · Texas Ratio: 2.78%. Operates 2 domestic branches.

Assets
$106M
Deposits
$92M
Loans
$37M
Equity
$14M

Profitability

Return on Assets (ROA)0.53%
Return on Equity (ROE)4.07%
Net Interest Margin3.11%
Yield on Assets4.62%
Cost of Funds1.60%

Asset Quality

NPL Ratio1.05%
Net Charge-Off Ratio-0.01%
Texas Ratio2.78%
NPA Ratio0.37%
ACL / Loans0.68%

Capital & Liquidity

CET1 Ratio12.98%
Tier 1 Capital12.98%
Total Capital Ratio13.63%
Leverage Ratio13.10%
Loan-to-Deposit40.23%

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