The Peoples Bank (Eatonton, 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 Eatonton, GA, established in 1943 (FDIC certificate 16152), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $269.7M, up 0.8% from Q2 2025, the 73rd largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.67% 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
- 16152
- Headquarters
- Eatonton, GA
- Established
- 1943
- Total assets, Q2 2026
- $269.7M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 11.67%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061112092
- Holding company
- PEOPLES BANKSHARES, INC.
- Asset rank in state
- 73rd of 121 in Georgia
The Peoples Bank earns an unusually wide margin on its lending. It reported $270 million in assets at June 30, 2026. It keeps 4.95 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). On the other hand, it holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for banks its size.
Net income for the quarter rose 12% from a year earlier, to $860,000. Over the same year, loans grew 12.6% and deposits shrank 0.5%.
As of June 30, 2026, The Peoples Bank reported a return on assets of 1.28%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.27%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, The Peoples Bank is the 73rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $269.7M, loans rose 2.3% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 26.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.6%. The FDIC Summary of Deposits lists 2 offices for it, in Eatonton, GA. Judged on its Q2 2026 call report, The Peoples Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 209 S Jefferson Ave, Eatonton, GA 31024
- County
- Putnam
- 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
- July 15, 1943
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $234.8M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- -$115K
- Average total assets
- $269.2M
- Average total loans
- $209.2M
- Average interest-bearing deposits
- $147.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1944
- FDIC Cert
- 16152
- Fed RSSD
- 611031
- SEC CIK
- 728305 → filed by PEOPLES BANKSHARES, INC.
- Website
- www.peoples1943.com →
- Parent Holding Company
- PEOPLES BANKSHARES, INC. (RSSD 1085901)
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
Over the 12 quarters to Q2 2026, The Peoples Bank's total assets ran between $214.6M (Q3 2023) and $273.3M (Q1 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
$269.7M total assets against $267.6M; $238.6M total liabilities against $240.0M.
$207.1M net loans and leases against $184.0M; $234.8M total deposits against $236.1M.
$20.2M securities against $23.8M; $30.6M cash and balances due against $48.2M.
$4.2M total interest income against $4.1M; $908K total interest expense against $858K.
$3.2M net interest income against $3.2M.
$200K total noninterest income against $208K; $2.4M total noninterest expense against $2.3M.
$14K provision for credit losses against $50K.
$860K net income against $768K.
1.28% return on assets against 1.19%; 4.95% net interest margin against 5.16%.
11.67% tier 1 leverage ratio against 10.80%.
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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Peoples Bank rankings
Its closest position to the top of a national ranking is 1,814 of 3,611, for ROA; its furthest is 3,110 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q1 2025) to 1.63% (Q1 2026) and its net interest margin ran from 4.88% (Q1 2026) to 5.16% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.67% | 1.28% | 0.00% | 0.27% | 4.95% |
| Q1 2026 | 11.47% | 1.63% | 0.00% | 0.28% | 4.88% |
| Q4 2025 | 11.14% | 1.31% | 0.00% | 0.30% | 5.07% |
| Q3 2025 | 10.59% | 1.27% | 0.02% | 0.44% | 5.04% |
| Q2 2025 | 10.80% | 1.19% | 0.00% | 0.33% | 5.16% |
| Q1 2025 | 10.86% | 1.05% | 0.01% | 0.34% | 4.90% |
| Q4 2024 | 10.57% | 1.08% | 0.10% | 0.96% | 4.97% |
| Q3 2024 | 10.57% | 1.16% | 0.00% | 0.03% | 4.96% |
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 |
|---|---|---|---|
| The Peoples Bank | Eatonton , GA | 31024 | $171.4M |
| Oconee Crossings Branch | Eatonton , GA | 31024 | $63.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 103 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 $269.7 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Eatonton, GA, United States.
When was The Peoples Bank founded?
It was established in 1943, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16152). 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 0.27% 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.
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