Peoplessouth Bank
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Data as of · sourced from FFIEC call reports. How we update
Peoplessouth Bank is an FDIC-insured commercial bank headquartered in Colquitt, GA, established in 1973 (FDIC certificate 21292), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.21B, up 6.4% from Q2 2025, the 12th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.45% 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
- 21292
- Headquarters
- Colquitt, GA
- Established
- 1973
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- +6.4%
- Tier 1 leverage ratio, Q2 2026
- 10.45%
- Domestic offices
- 33 FDIC institution directory, current count
- Routing number
- 061202371
- Holding company
- PEOPLESSOUTH BANCSHARES, INC.
- Asset rank in state
- 12th of 121 in Georgia
Peoplessouth Bank is one of the more profitable banks of its size. Based in Colquitt, Georgia, it had $1.2 billion in assets at June 30, 2026, up 6.4% from a year earlier. It returns 22.2% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also holds about a fifth of its deposits (18%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 30.9%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $69 million equal 53% of Tier 1 capital, down from 64% a year earlier. Loans are outrunning deposits: over the year loans rose 9.8% and deposits rose 4.3%. Credit is the area to watch: it carries problem assets equal to 9.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Peoplessouth Bank reported a return on assets of 1.36%, a nonperforming-loan ratio of 1.02% and a Texas ratio of 9.87%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Peoplessouth Bank is the 12th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $1.21B, loans rose 4.1% and deposits fell 0.1%. 1-4 family residential loans made up 26.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.8%. The FDIC Summary of Deposits lists 33 offices for it, in 29 cities across 3 states; its Colquitt office books 10% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoplessouth Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 W Crawford St, Colquitt, GA 39837
- County
- Miller
- 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
- October 19, 1973
- Former names
- Peoples Community Bank (1993-2005)
- Domestic offices
- 33 FDIC institution directory, current count
- Employees (FTE)
- 198
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $1.25B
- Average total loans
- $850.5M
- Average interest-bearing deposits
- $883.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 19, 1973
- FDIC Cert
- 21292
- Fed RSSD
- 518037
- Website
- http://www.peoplessouth.com →
- Parent Holding Company
- PEOPLESSOUTH BANCSHARES, INC. (RSSD 1866155)
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, Peoplessouth Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoplessouth Bank's total assets moved between a low of $1.09B (Q3 2023) and a high of $1.21B (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
$1.21B total assets against $1.14B; $1.14B total liabilities against $1.08B.
$862.4M net loans and leases against $785.8M; $1.12B total deposits against $1.07B.
$261.1M securities against $264.0M; $33.1M cash and balances due against $30.4M.
$17.3M total interest income against $16.3M; $5.2M total interest expense against $5.1M.
$12.0M net interest income against $11.2M.
$903K total noninterest income against $2.0M; $6.7M total noninterest expense against $7.3M.
$505K provision for credit losses against $324K.
$4.3M net income against $4.2M.
1.36% return on assets against 1.43%; 3.98% net interest margin against 3.98%.
10.45% tier 1 leverage ratio against 10.12%.
Inside the full Peoplessouth 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.
Peoplessouth Bank rankings
Its closest position to the top of a national ranking is 650 of 3,640, for Texas Ratio; its furthest is 850 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q4 2024) to 1.67% (Q1 2026) and its net interest margin ran from 3.54% (Q3 2024) to 4.10% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.45% | 1.36% | 1.02% | 9.87% | 3.98% |
| Q1 2026 | 10.80% | 1.67% | 0.93% | 10.41% | 4.03% |
| Q4 2025 | 9.94% | 1.41% | 1.04% | 11.90% | 4.10% |
| Q3 2025 | 10.16% | 1.15% | 1.51% | 16.62% | 3.83% |
| Q2 2025 | 10.12% | 1.43% | 0.89% | 11.91% | 3.98% |
| Q1 2025 | 9.90% | 1.41% | 0.94% | 12.39% | 3.72% |
| Q4 2024 | 9.44% | 0.96% | 0.97% | 14.63% | 3.66% |
| Q3 2024 | 9.74% | 1.14% | 0.92% | 11.16% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 33 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 |
|---|---|---|---|
| Peoplessouth Bank (main office) | Colquitt , GA | 39837 | $106.9M |
| Blountstown Branch | Blountstown , FL | 32424 | $89.7M |
| Apalachicola Branch | Apalachicola , FL | 32320 | $74.4M |
| Marianna Branch | Marianna , FL | 32448 | $69.0M |
| Ozark Branch | Ozark , AL | 36360 | $63.7M |
| Sneads Branch | Sneads , FL | 32460 | $52.4M |
| Albany Branch | Albany , GA | 31707 | $50.6M |
| Chipley Branch | Chipley , FL | 32428 | $50.3M |
| Headland Branch | Headland , AL | 36345 | $46.0M |
| Port St Joe Branch | Port Saint Joe , FL | 32456 | $39.8M |
| Abbeville Branch | Abbeville , AL | 36310 | $39.5M |
| Greenwood Branch | Greenwood , FL | 32443 | $38.4M |
| Tallahassee East Branch | Tallahassee , FL | 32308 | $32.5M |
| Donalsonville Branch | Donalsonville , GA | 39845 | $31.6M |
| Dothan West Branch | Dothan , AL | 36301 | $31.2M |
| Bonifay Branch | Bonifay , FL | 32425 | $30.1M |
| Bainbridge Branch | Bainbridge , GA | 39819 | $28.2M |
| Panama City Branch | Panama City , FL | 32405 | $26.8M |
| Dothan East Branch | Dothan , AL | 36301 | $24.7M |
| Ashford Branch | Ashford , AL | 36312 | $24.5M |
| Columbia Branch | Columbia , AL | 36319 | $24.1M |
| Dothan North Branch | Dothan , AL | 36303 | $22.0M |
| Tallahassee NE Branch | Tallahassee , FL | 32309 | $20.2M |
| Americus Branch | Americus , GA | 31709 | $20.2M |
| Eufaula Branch | Eufaula , AL | 36027 | $15.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 13, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 13, 2005 | Structure Change | Acquired Peoples Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 92 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Peoplessouth Bank
What are Peoplessouth Bank's total assets?
As of the Q2 2026 filing, Peoplessouth Bank reported total assets of $1.21 billion in its FFIEC call report.
Where is Peoplessouth Bank headquartered?
It is headquartered in Colquitt, GA, United States.
When was Peoplessouth Bank founded?
It was established in 1973, per the FDIC institution directory.
Is Peoplessouth Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoplessouth Bank?
Peoplessouth Bank's primary federal regulator is the FDIC.
How many branches does Peoplessouth Bank operate?
It operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoplessouth Bank's Texas Ratio?
Its Texas Ratio is 9.87% 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 Peoplessouth Bank previously called?
The charter now named Peoplessouth Bank has also operated as Peoples Community Bank (1993-2005), per FDIC structure-change records.
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