Bank Comparison
Peoplessouth Bank vs First IC Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Peoplessouth Bank | First IC Bank |
|---|---|---|
| CET1 Ratio | — | 17.90% |
| Tier 1 Capital Ratio | — | 17.90% |
| Total Capital Ratio | — | 19.15% |
| Tier 1 Leverage Ratio | 10.80% | 12.61% |
| Equity / Assets | 6.25% | 12.00% |
Profitability
| Metric | Peoplessouth Bank | First IC Bank |
|---|---|---|
| Return on Assets (ROA) | 1.67% | 1.75% |
| Return on Equity (ROE) | 26.57% | 14.35% |
| Net Interest Margin (NIM) | 4.03% | 4.42% |
| Yield on Earning Assets | 5.77% | 6.90% |
| Cost of Funds | 1.84% | 2.71% |
Asset quality
| Metric | Peoplessouth Bank | First IC Bank |
|---|---|---|
| Texas Ratio | 20.85% | 4.28% |
| Non-Performing Loan Ratio | 1.97% | 0.66% |
| Non-Performing Asset Ratio | 1.48% | 0.56% |
| Net Charge-Off Ratio | -0.07% | 0.35% |
| ACL / Loans | 1.32% | 1.18% |
Balance sheet
| Metric | Peoplessouth Bank | First IC Bank |
|---|---|---|
| Total Assets | $1,204M | $1,243M |
| Total Deposits | $1,120M | $917,826K |
| Total Loans | $839,117K | $1,050M |
| Total Equity | $75,330K | $149,156K |
| Net Income (quarter) | $4,892K | $5,250K |
Liquidity & funding
| Metric | Peoplessouth Bank | First IC Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.89% | 114.41% |
| Core Deposit Ratio | 84.68% | 65.62% |
| Uninsured Deposit Ratio | 20.92% | 40.86% |
Identity
| Metric | Peoplessouth Bank | First IC Bank |
|---|---|---|
| Headquarters City | COLQUITT | Doraville |
| Headquarters State | GA | GA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 33 | 10 |
| Employees (FTE) | 198 | 103 |
| Established | Oct. 19, 1973, midnight | Jan. 31, 2000, 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.
View full Peoplessouth Bank profile | View full First IC Bank profile | Browse all bank comparisons