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Peoples Bank
Lyons, GA · FDIC Certificate #15216 · Chartered 01/0
Total assets
$192.37M
Total deposits
$170.26M
Total equity
$20.95M
Net loans
$113.08M
Branches (offices)
2
Net income (YTD)
$1.19M
Rank: #3,025 of 4,213 U.S. banks by assets · #91 of 123 in Georgia. Assets changed 1.0% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 11.66% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 10.89% |
| Tier 1 leverage ratio | 11.18% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 5.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 66.4% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $97.14M | 85.9% | |
| Commercial & industrial | $11.09M | 9.8% | |
| Consumer / individual | $3.29M | 2.9% | |
| Construction & development | $6.05M | 5.4% | |
| Agricultural | $2.44M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $159.84M | $146.84M | $574.00K | $12.70M |
| Jun 2023 | $153.12M | $137.35M | $1.36M | $15.16M |
| Jun 2024 | $161.23M | $142.88M | $1.21M | $17.65M |
| Jun 2025 | $190.45M | $169.51M | $1.21M | $19.77M |
| Jun 2026 | $192.37M | $170.26M | $1.19M | $20.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $170.26M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $170.26M.
Similar-sized banks
First Federal Savings Bank Of Champaign Urbana ($192.54M) · The Bank Of The West ($192.37M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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