Peoples Bank (Lyons, GA)
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank is an FDIC-insured commercial bank headquartered in Lyons, GA, established in 1931 (FDIC certificate 15216), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $192.4M, up 1.0% from Q2 2025, the 90th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 22.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15216
- Headquarters
- Lyons, GA
- Established
- 1931
- Total assets, Q2 2026
- $192.4M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 22.12%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061211317
- Holding company
- SOUTH GEORGIA BANKSHARES CORPORATION
- Asset rank in state
- 90th of 121 in Georgia
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples Bank is the 90th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $192.4M, loans fell 0.5% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 23.6% of total loans, ahead of 1-4 family residential loans at 21.4%. Its 2 offices in the FDIC Summary of Deposits are in Lyons, GA and Vidalia, GA; its Lyons office books 66% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 2 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoples Bank's total assets moved between a low of $152.0M (Q3 2023) and a high of $193.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$192.4M total assets against $190.4M; $171.4M total liabilities against $170.7M.
$113.1M net loans and leases against $100.4M; $170.3M total deposits against $169.5M.
$16.6M securities against $13.4M; $58.5M cash and balances due against $72.0M.
$2.6M total interest income against $2.6M; $723K total interest expense against $782K.
$1.9M net interest income against $1.9M.
$175K total noninterest income against $164K; $1.2M total noninterest expense against $1.2M.
$75K provision for credit losses against $75K.
$591K net income against $602K.
1.24% return on assets against 1.33%; 4.06% net interest margin against 4.18%.
22.12% CET1 capital ratio against 22.92%; 11.18% tier 1 leverage ratio against 11.01%.
Inside the full Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 92 of 3,640, for Texas Ratio; its furthest is 3,013 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.20% (Q3 2025) to 1.77% (Q4 2025) and its net interest margin ran from 3.45% (Q3 2025) to 4.20% (Q4 2025).
| 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
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank (main office) | Lyons , GA | 30436 | $112.4M |
| Vidalia Branch | Vidalia , GA | 30474 | $57.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 120 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Peoples Bank headquartered?
It is headquartered in Lyons, GA, United States.
When was Peoples Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. It 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.
What is Peoples Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 25.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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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