Advertisement
The Peoples Bank
Willacoochee, GA · FDIC Certificate #17073 · Chartered 09/2
Total assets
$109.32M
Total deposits
$95.16M
Total equity
$13.89M
Net loans
$37.07M
Branches (offices)
2
Net income (YTD)
$390.00K
Rank: #3,609 of 4,213 U.S. banks by assets · #109 of 123 in Georgia. Assets changed 0.1% and deposits -0.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 5.65% |
| Net interest margin (YTD) | 3.04% |
| Equity to assets | 12.70% |
| Tier 1 leverage ratio | 12.45% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 0.89% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 39.0% |
| Real estate loans (share of loans) | 78.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $29.23M | 78.9% | |
| Commercial & industrial | $2.27M | 6.1% | |
| Consumer / individual | $4.23M | 11.4% | |
| Construction & development | $1.85M | 5.0% | |
| Agricultural | $1.45M | 3.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $121.43M | $109.79M | $332.00K | $11.55M |
| Jun 2023 | $111.77M | $99.04M | $771.00K | $12.54M |
| Jun 2024 | $101.21M | $87.89M | $344.00K | $13.04M |
| Jun 2025 | $109.26M | $95.58M | $387.00K | $13.40M |
| Jun 2026 | $109.32M | $95.16M | $390.00K | $13.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $95.16M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $95.16M.
Similar-sized banks
Fnnb Bank ($109.45M) · Covington County Bank ($109.17M)
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.
Advertisement