Peoples Bank (Lyons, GA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Peoples Bank. Its balance sheet stood at $192 million at June 30, 2026, up 1.0% from a year earlier; it is based in Lyons, Georgia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.12% of loans from 0.00% a year earlier. It carries problem assets equal to 25.8% of the capital and reserves that would absorb them, 9.8 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 22.12% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Loans are outrunning deposits: over the year loans rose 12.8% and deposits rose 0.4%. Its $27 million non-owner-occupied commercial real estate book is improving, with 0.04% past due or on nonaccrual, down from 1.90% a year earlier.
As of June 30, 2026, Peoples Bank reported a CET1 capital ratio of 22.12%, a return on assets of 1.24%, a nonperforming-loan ratio of 5.12% and a Texas ratio of 25.84%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 299 W Liberty Ave, Lyons, GA 30436
- County
- Toombs
- Metro Area
- Vidalia, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1931
- Former names
- The Peoples Bank of Lyons (1974-1985)
- Offices
- 2 domestic
- Employees (FTE)
- 26
- Domestic deposits
- $170.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $190.3M
- Average total loans
- $115.3M
- Average interest-bearing deposits
- $134.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 1935
- FDIC Cert
- 15216
- Fed RSSD
- 715032
- Website
- www.ourpeoplesbank.com →
- Parent Holding Company
- SOUTH GEORGIA BANKSHARES CORPORATION (RSSD 1081725)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Peoples Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Peoples Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Peoples Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Peoples Bank: CET1 ratio, Texas Ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 22.12% | 1.24% | 5.12% | 25.84% | 4.06% |
| Q1 2026 | 21.33% | 1.26% | 5.10% | 26.55% | 3.85% |
| Q4 2025 | 24.24% | 1.77% | 4.70% | 23.68% | 4.20% |
| Q3 2025 | 22.24% | -0.20% | 0.01% | 0.06% | 3.45% |
| Q2 2025 | 22.92% | 1.33% | 0.00% | 0.00% | 4.18% |
| Q1 2025 | 23.06% | 1.38% | 0.11% | 0.49% | 4.16% |
| Q4 2024 | 21.42% | 1.30% | 0.12% | 0.56% | 4.05% |
| Q3 2024 | 22.15% | 1.32% | 0.13% | 0.61% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank (main office) | Lyons , GA | 30436 | $112.4M |
| Vidalia Branch | Vidalia , GA | 30474 | $57.9M |
Regulatory record
What the public regulatory sources show for Peoples Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 120 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.1M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Peoples Bank
What are Peoples Bank's total assets?
As of the Q2 2026 filing, Peoples Bank reported total assets of $192.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank headquartered?
Peoples Bank is headquartered in Lyons, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Peoples Bank founded?
Peoples Bank was established in 1931, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. Peoples Bank is an FDIC-insured commercial bank (FDIC Certificate #15216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank?
Peoples Bank'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's CET1 capital ratio?
Peoples Bank reported a Common Equity Tier 1 (CET1) capital ratio of 22.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank operate?
Peoples Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank's Texas Ratio?
Peoples Bank's Texas Ratio is 25.84% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Peoples Bank previously called?
The charter now named Peoples Bank has also operated as The Peoples Bank of Lyons (1974-1985), per FDIC structure-change records.
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