Peoplessouth Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.18 percentage points higher than in Q1 2026, at 78.08%. Peoplessouth Bank ranks 76th of 121 Georgia banks on return on assets, in the lower half at 1.36% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Peoplessouth Bank sits 0.09 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.45% |
| Equity capital to assets | 6.46% |
| Tangible equity to tangible assets | 6.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.04% |
| Non-performing assets ratio | 1.47% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 19.90% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 64.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 22.20% |
| Net interest margin | 3.98% |
| Efficiency ratio | 52.04% |
| Yield on earning assets | 5.71% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.08% |
| Core deposits to total deposits | 84.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.12% |
| Securities to assets | 21.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.59% | 14.59% | 15.85% | 9.41% | 1.30% |
| Q4 2023 | 14.84% | 14.84% | 16.10% | 9.56% | 1.14% |
| Q1 2024 | — | — | — | 9.74% | 1.06% |
| Q2 2024 | — | — | — | 9.65% | 1.17% |
| Q3 2024 | — | — | — | 9.74% | 1.14% |
| Q4 2024 | — | — | — | 9.44% | 0.96% |
| Q1 2025 | — | — | — | 9.90% | 1.41% |
| Q2 2025 | — | — | — | 10.12% | 1.43% |
| Q3 2025 | — | — | — | 10.16% | 1.15% |
| Q4 2025 | — | — | — | 9.94% | 1.41% |
| Q1 2026 | — | — | — | 10.80% | 1.67% |
| Q2 2026 | — | — | — | 10.45% | 1.36% |
Peoplessouth Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplessouth Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoplessouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21292) · FFIEC NIC profile (RSSD 518037)