The Peoples Bank of Georgia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples Bank of Georgia of Talbotton, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.67% | 1.34% | +0.33% | 72nd above |
| ROAE | 18.47% | 13.31% | +5.16% | 81st top |
| Net Interest Margin | 5.43% | 3.93% | +1.50% | 97th top |
| Efficiency Ratio | 55.89% | 61.14% | -5.25% | 66th above |
| PPNR / Avg Assets | 2.45% | 1.68% | +0.77% | 88th top |
| Yield on Earning Assets | 7.46% | 5.67% | +1.79% | 98th top |
| Cost of Funds | 2.15% | 1.88% | +0.27% | 29th below |
| Net Interest Spread | 4.75% | 3.32% | +1.43% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 63rd above |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 23rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 597.37% | 1538.92% | -941.55% | 74th above |
| Texas Ratio | 3.41% | 7.33% | -3.92% | 51st above |
| Provision / NCO | 1171.43% | 1395.57% | -224.14% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.65% | 12.14% | -2.49% | 24th bottom |
| Equity / Assets | 8.72% | 11.37% | -2.65% | 23rd bottom |
| TCE / Tangible Assets | 6.79% | 11.09% | -4.30% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.24% | 80.63% | +14.61% | 18th bottom |
| Core Deposit Ratio | 86.80% | 86.86% | -0.06% | 38th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.96% | 5.03% | -1.07% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.31% | 6.85% | +10.46% | 93rd top |
| Loan Growth (Y/Y) | 17.86% | 7.90% | +9.96% | 90th top |
| Deposit Growth (Y/Y) | 12.20% | 6.29% | +5.91% | 88th top |
See The Peoples Bank of Georgia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Peoples Bank of Georgia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Peoples Bank of Georgia profile, how to read a UBPR, or how this data updates.