Peoplessouth Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoplessouth Bank of Colquitt, GA against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.36% | 1.44% | -0.08% | 57th above |
| ROAE | 22.20% | 12.49% | +9.71% | 93rd top |
| Net Interest Margin | 3.98% | 3.84% | +0.14% | 67th above |
| Efficiency Ratio | 52.04% | 58.88% | -6.84% | 69th above |
| PPNR / Avg Assets | 1.98% | 1.78% | +0.20% | 67th above |
| Yield on Earning Assets | 5.71% | 5.71% | +0.00% | 60th above |
| Cost of Funds | 1.88% | 2.03% | -0.15% | 57th above |
| Net Interest Spread | 3.37% | 3.18% | +0.19% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.04% | 0.96% | +1.08% | 10th bottom |
| NPA / Total Assets | 1.47% | 0.75% | +0.72% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.31% | -0.22% | 31st below |
| ACL / Total Loans | 1.31% | 1.25% | +0.06% | 70th above |
| ACL / NPLs (Coverage) | 64.08% | 699.54% | -635.46% | 14th bottom |
| Texas Ratio | 19.90% | 7.15% | +12.75% | 7th bottom |
| Provision / NCO | 1224.49% | 813.97% | +410.52% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.45% | 11.60% | -1.15% | 49th below |
| Equity / Assets | 6.46% | 11.34% | -4.88% | 2nd bottom |
| TCE / Tangible Assets | 6.46% | 10.65% | -4.19% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.08% | 86.36% | -8.28% | 74th above |
| Core Deposit Ratio | 84.38% | 85.56% | -1.18% | 33rd below |
| Uninsured Deposit Ratio | 18.09% | 32.73% | -14.64% | 87th top |
| Wholesale Funding Ratio | 0.82% | 5.46% | -4.64% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.45% | 10.46% | -4.01% | 59th above |
| Loan Growth (Y/Y) | 9.77% | 7.99% | +1.78% | 73rd above |
| Deposit Growth (Y/Y) | 4.32% | 7.98% | -3.66% | 47th below |
See Peoplessouth Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoplessouth Bank, 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 Peoplessouth Bank profile, how to read a UBPR, or how this data updates.