Bank Comparison
Peoplessouth Bank vs Bank of Pontiac
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 7
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Peoplessouth Bank | Bank of Pontiac |
|---|---|---|
| CET1 Ratio | — | 14.34% |
| Tier 1 Capital Ratio | — | 14.34% |
| Total Capital Ratio | — | 15.53% |
| Tier 1 Leverage Ratio | 10.80% | 10.15% |
| Equity / Assets | 6.25% | 11.40% |
Profitability
| Metric | Peoplessouth Bank | Bank of Pontiac |
|---|---|---|
| Return on Assets (ROA) | 1.67% | 1.42% |
| Return on Equity (ROE) | 26.57% | 12.49% |
| Net Interest Margin (NIM) | 4.03% | 3.96% |
| Yield on Earning Assets | 5.77% | 5.55% |
| Cost of Funds | 1.84% | 1.67% |
Asset quality
| Metric | Peoplessouth Bank | Bank of Pontiac |
|---|---|---|
| Texas Ratio | 20.85% | 3.10% |
| Non-Performing Loan Ratio | 1.97% | 0.42% |
| Non-Performing Asset Ratio | 1.48% | 0.31% |
| Net Charge-Off Ratio | -0.07% | 0.12% |
| ACL / Loans | 1.32% | 1.16% |
Balance sheet
| Metric | Peoplessouth Bank | Bank of Pontiac |
|---|---|---|
| Total Assets | $1,204M | $1,199M |
| Total Deposits | $1,120M | $1,019M |
| Total Loans | $839,117K | $819,393K |
| Total Equity | $75,330K | $136,772K |
| Net Income (quarter) | $4,892K | $4,222K |
Liquidity & funding
| Metric | Peoplessouth Bank | Bank of Pontiac |
|---|---|---|
| Loan-to-Deposit Ratio | 74.89% | 80.40% |
| Core Deposit Ratio | 84.68% | 89.29% |
| Uninsured Deposit Ratio | 20.92% | 32.69% |
Identity
| Metric | Peoplessouth Bank | Bank of Pontiac |
|---|---|---|
| Headquarters City | COLQUITT | PONTIAC |
| Headquarters State | GA | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 33 | 14 |
| Employees (FTE) | 198 | 148 |
| Established | Oct. 19, 1973, midnight | Sept. 6, 1947, 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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