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The Peoples Bank
Eatonton, GA · FDIC Certificate #16152 · Chartered 07/1
Total assets
$269.68M
Total deposits
$234.85M
Total equity
$31.05M
Net loans
$207.12M
Branches (offices)
2
Net income (YTD)
$1.95M
Rank: #2,612 of 4,213 U.S. banks by assets · #74 of 123 in Georgia. Assets changed 0.8% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 12.89% |
| Net interest margin (YTD) | 5.03% |
| Equity to assets | 11.51% |
| Tier 1 leverage ratio | 11.67% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.11% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 93.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $194.53M | 93.9% | |
| Commercial & industrial | $13.38M | 6.5% | |
| Consumer / individual | $2.22M | 1.1% | |
| Construction & development | $43.61M | 21.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $216.18M | $194.11M | $220.00K | $20.27M |
| Jun 2023 | $212.99M | $188.60M | $1.03M | $21.89M |
| Jun 2024 | $243.01M | $214.85M | $1.19M | $24.49M |
| Jun 2025 | $267.60M | $236.07M | $1.43M | $27.56M |
| Jun 2026 | $269.68M | $234.85M | $1.95M | $31.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $234.85M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.85M.
Similar-sized banks
Castroville State Bank ($269.70M) · South Georgia Bank ($269.55M)
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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