Bank Comparison
Peoples Bank & Trust vs South Georgia Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Peoples Bank & Trust | South Georgia Banking Company |
|---|---|---|
| CET1 Ratio | — | 17.56% |
| Tier 1 Capital Ratio | — | 17.56% |
| Total Capital Ratio | — | 18.62% |
| Tier 1 Leverage Ratio | 10.73% | 13.24% |
| Equity / Assets | 8.67% | 13.01% |
Profitability
| Metric | Peoples Bank & Trust | South Georgia Banking Company |
|---|---|---|
| Return on Assets (ROA) | 1.43% | 1.55% |
| Return on Equity (ROE) | 15.87% | 12.06% |
| Net Interest Margin (NIM) | 3.79% | 5.10% |
| Yield on Earning Assets | 5.16% | 5.78% |
| Cost of Funds | 1.44% | 0.69% |
Asset quality
| Metric | Peoples Bank & Trust | South Georgia Banking Company |
|---|---|---|
| Texas Ratio | 2.21% | 4.27% |
| Non-Performing Loan Ratio | 0.43% | 0.79% |
| Non-Performing Asset Ratio | 0.20% | 0.51% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 1.14% | 1.16% |
Balance sheet
| Metric | Peoples Bank & Trust | South Georgia Banking Company |
|---|---|---|
| Total Assets | $582,360K | $589,788K |
| Total Deposits | $527,917K | $510,479K |
| Total Loans | $273,478K | $382,902K |
| Total Equity | $50,504K | $76,747K |
| Net Income (quarter) | $1,981K | $2,287K |
Liquidity & funding
| Metric | Peoples Bank & Trust | South Georgia Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 51.80% | 75.01% |
| Core Deposit Ratio | 79.35% | 95.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank & Trust | South Georgia Banking Company |
|---|---|---|
| Headquarters City | BUFORD | OMEGA |
| Headquarters State | GA | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 8 |
| Employees (FTE) | 51 | 115 |
| Established | Dec. 13, 1984, midnight | June 14, 1937, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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