The Peoples Bank (Willacoochee, GA)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank is an FDIC-insured commercial bank headquartered in Willacoochee, GA, established in 1948 (FDIC certificate 17073), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $109.3M, up 0.1% from Q2 2025, the 108th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.45% 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
- 17073
- Headquarters
- Willacoochee, GA
- Established
- 1948
- Total assets, Q2 2026
- $109.3M
- Assets vs Q2 2025
- +0.1%
- Tier 1 leverage ratio, Q2 2026
- 12.45%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061212727
- Holding company
- ATKINSON COUNTY BANKSHARES CORPORATION
- Asset rank in state
- 108th of 121 in Georgia
The Peoples Bank, based in Willacoochee, Georgia, reported $109 million in assets at June 30, 2026. It keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 6.7% and deposits fell 0.4%. Its $4.9 million non-owner-occupied commercial real estate book is now fully current, after 0.84% of it was past due or on nonaccrual a year earlier. Profitability lags: it returns 6.1% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, The Peoples Bank reported a return on assets of 0.76%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 2.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Peoples Bank is the 108th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $109.3M, loans rose 0.8% and deposits fell 3.5%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 31.0% of total loans, ahead of 1-4 family residential loans at 29.3%. Its 2 offices in the FDIC Summary of Deposits are in Pearson, GA and Willacoochee, GA; its Pearson office books 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Peoples Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6 Fleetwood Ave E, Willacoochee, GA 31650
- County
- Atkinson
- Metro Area
- Douglas, 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 051
- Established
- September 24, 1948
- Former names
- The Peoples Bank (2013)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $95.2M
- Allowance for credit losses
- $248K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $111.6M
- Average total loans
- $37.3M
- Average interest-bearing deposits
- $69.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 15, 1952
- FDIC Cert
- 17073
- Fed RSSD
- 575133
- Website
- http://www.thepeoplesbank.com →
- Parent Holding Company
- ATKINSON COUNTY BANKSHARES CORPORATION (RSSD 1081332)
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 reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Peoples Bank's total assets moved between a low of $98.8M (Q3 2024) and a high of $113.9M (Q1 2025) 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
$109.3M total assets against $109.3M; $95.4M total liabilities against $95.9M.
$37.1M net loans and leases against $34.7M; $95.2M total deposits against $95.6M.
$27.1M securities against $35.8M; $41.5M cash and balances due against $35.2M.
$1.2M total interest income against $1.2M; $355K total interest expense against $372K.
$829K net interest income against $828K.
$173K total noninterest income against $167K; $789K total noninterest expense against $774K.
$0 provision for credit losses against $0.
$213K net income against $221K.
0.76% return on assets against 0.80%; 3.16% net interest margin against 3.20%.
12.45% tier 1 leverage ratio against 12.15%.
Inside the full The 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Peoples Bank rankings
Its closest position to the top of a national ranking is 2,116 of 3,640, for Texas Ratio; its furthest is 3,159 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q4 2024) to 1.04% (Q3 2025) and its net interest margin ran from 2.84% (Q1 2025) to 3.20% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.45% | 0.76% | 0.89% | 2.36% | 3.16% |
| Q1 2026 | 12.44% | 0.64% | 0.98% | 2.57% | 2.85% |
| Q4 2025 | 13.10% | 0.53% | 1.05% | 2.78% | 3.06% |
| Q3 2025 | 12.78% | 1.04% | 1.09% | 2.85% | 3.09% |
| Q2 2025 | 12.15% | 0.80% | 1.09% | 2.79% | 3.20% |
| Q1 2025 | 11.74% | 0.58% | 1.05% | 2.76% | 2.84% |
| Q4 2024 | 12.43% | 0.43% | 1.14% | 2.94% | 3.01% |
| Q3 2024 | 13.11% | 0.56% | 1.08% | 2.94% | 2.91% |
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 |
|---|---|---|---|
| Pearson Branch | Pearson , GA | 31642 | $54.4M |
| The Peoples Bank | Willacoochee , GA | 31650 | $40.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 148 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 The Peoples Bank
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $109.3 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Willacoochee, GA, United States.
When was The Peoples Bank founded?
It was established in 1948, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17073). 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?
The Peoples Bank's primary federal regulator is the FDIC.
How many branches does The 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 The Peoples Bank's Texas Ratio?
Its Texas Ratio is 2.36% 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 previously called?
The charter now named The Peoples Bank has also operated as The Peoples Bank (2013), per FDIC structure-change records.
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