The Peoples Bank of Georgia
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank of Georgia is an FDIC-insured commercial bank headquartered in Talbotton, GA, established in 1891 (FDIC certificate 170), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $252.3M, up 17.3% from Q2 2025, the 77th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 170
- Headquarters
- Talbotton, GA
- Established
- 1891
- Total assets, Q2 2026
- $252.3M
- Assets vs Q2 2025
- +17.3%
- Tier 1 leverage ratio, Q2 2026
- 9.65%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061103920
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Bank of Georgia call report
- Asset rank in state
- 77th of 121 in Georgia
The Peoples Bank of Georgia earns an unusually wide margin on its lending. The Talbotton, Georgia bank had $252 million in assets at June 30, 2026, up 17.3% from a year earlier. It keeps 5.43 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 17.9% over the year, about triple the median of 5.5% for banks its size.
Net income for the quarter rose 15% from a year earlier, to $1.0 million. Over the same year, loans grew 17.9% and deposits grew 12.2%. Where it has less room is capital: it funds 9.65% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Peoples Bank of Georgia reported a return on assets of 1.67%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 3.12%. The figures come from its call report filed with the FFIEC.
The Peoples Bank of Georgia ranks as the 77th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.0% to $252.3M, loans rose 8.2% and deposits rose 0.1%. 1-4 family residential loans made up 54.6% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 8.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in GA; its Thomaston office books 29% of its branch deposits. Judged on its Q2 2026 call report, The Peoples Bank of Georgia meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 26 W Monroe St, Talbotton, GA 31827
- County
- Talbot
- Metro Area
- Columbus, GA-AL
- 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 051
- Established
- January 1, 1891
- Former names
- The Peoples Bank of Georgia (2017); The Peoples Bank of Talbotton (1970-2017)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $219.3M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $241.5M
- Average total loans
- $201.4M
- Average interest-bearing deposits
- $164.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 170
- Fed RSSD
- 272030
- Website
- www.peoplesbankofga.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Peoples Bank of Georgia reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Peoples Bank of Georgia's total assets moved between a low of $166.3M (Q4 2023) and a high of $252.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$252.3M total assets against $215.1M; $230.3M total liabilities against $196.9M.
$206.8M net loans and leases against $175.4M; $219.3M total deposits against $195.4M.
$14.2M securities against $14.3M; $21.8M cash and balances due against $17.0M.
$4.3M total interest income against $3.8M; $1.2M total interest expense against $1.1M.
$3.1M net interest income against $2.7M.
$234K total noninterest income against $225K; $1.9M total noninterest expense against $1.7M.
$160K provision for credit losses against $100K.
$1.0M net income against $878K.
1.67% return on assets against 1.64%; 5.43% net interest margin against 5.29%.
9.65% tier 1 leverage ratio against 9.23%.
Inside the full The Peoples Bank of Georgia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Bank of Georgia rankings
Its closest position to the top of a national ranking is 959 of 3,611, for ROA; its furthest is 2,692 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q4 2024) to 1.67% (Q2 2026) and its net interest margin ran from 4.92% (Q4 2024) to 5.43% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.65% | 1.67% | 0.32% | 3.12% | 5.43% |
| Q1 2026 | 9.54% | 1.55% | 0.62% | 5.48% | 5.03% |
| Q4 2025 | 9.31% | 1.60% | 0.67% | 5.73% | 5.21% |
| Q3 2025 | 9.44% | 1.57% | 0.49% | 4.32% | 5.20% |
| Q2 2025 | 9.23% | 1.64% | 0.44% | 3.99% | 5.29% |
| Q1 2025 | 9.16% | 1.31% | 0.52% | 4.74% | 4.99% |
| Q4 2024 | 9.40% | 1.21% | 0.64% | 5.65% | 4.92% |
| Q3 2024 | 9.66% | 1.28% | 0.67% | 5.79% | 4.96% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Thomaston Branch | Thomaston , GA | 30286 | $64.3M |
| Buena Vista Branch | Buena Vista , GA | 31803 | $57.7M |
| The Peoples Bank of Georgia | Talbotton , GA | 31827 | $54.5M |
| Ellaville Branch | Ellaville , GA | 31806 | $42.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 106 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Peoples Bank of Georgia
What are The Peoples Bank of Georgia's total assets?
As of the Q2 2026 filing, The Peoples Bank of Georgia reported total assets of $252.3 million in its FFIEC call report.
Where is The Peoples Bank of Georgia headquartered?
It is headquartered in Talbotton, GA, United States.
When was The Peoples Bank of Georgia founded?
It was established in 1891, per the FDIC institution directory.
Is The Peoples Bank of Georgia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Bank of Georgia?
The Peoples Bank of Georgia's primary federal regulator is the FDIC.
How many branches does The Peoples Bank of Georgia operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples Bank of Georgia's Texas Ratio?
Its Texas Ratio is 3.12% 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 The Peoples Bank of Georgia previously called?
The charter now named The Peoples Bank of Georgia has also operated as The Peoples Bank of Georgia (2017), The Peoples Bank of Talbotton (1970-2017), per FDIC structure-change records.
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