PEOPLES BANK, THE

EATONTON, GA | Small | Est. July 15, 1943, midnight | FDIC #16152 | RSSD #611031 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK, THE is asn small FDIC-insured commercial bank headquartered in EATONTON, GA, established in July 15, 1943, midnight. As of 2025-12-31, the bank reported total assets of $257M and total deposits of $224M. Profitability stands at 1.32% ROA and 12.03% ROE, with a net interest margin of 5.41%. The bank's CET1 capital ratio is 11.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.30%. FDIC Certificate #16152.

Assets

$257M

Deposits

$224M

Loans

$201M

Equity

$29M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 12.03%
Net Interest Margin (NIM) 5.41%
Yield on Assets 6.90%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.03%
Texas Ratio 0.30%
NPA Ratio 0.04%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 11.44%
Tier 1 Capital 11.44%
Total Capital Ratio 12.02%
Leverage Ratio 11.14%
Loan-to-Deposit 89.80%

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