PEOPLES BANK

LYONS, GA | Small | Est. Jan. 1, 1931, midnight | FDIC #15216 | RSSD #715032 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in LYONS, GA, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $168M. Profitability stands at 1.79% ROA and 17.36% ROE, with a net interest margin of 4.53%. The bank's CET1 capital ratio is 24.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.70% and a Texas Ratio of 23.68%. FDIC Certificate #15216.

Assets

$189M

Deposits

$168M

Loans

$109M

Equity

$20M

Profitability

Return on Assets (ROA) 1.79%
Return on Equity (ROE) 17.36%
Net Interest Margin (NIM) 4.53%
Yield on Assets 6.30%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 4.70%
Net Charge-Off Ratio 0.67%
Texas Ratio 23.68%
NPA Ratio 2.71%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 24.24%
Tier 1 Capital 24.24%
Total Capital Ratio 25.50%
Leverage Ratio 10.45%
Loan-to-Deposit 64.77%

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