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The Peoples Bank Of Georgia
Talbotton, GA · FDIC Certificate #170 · Chartered 01/0
Total assets
$252.31M
Total deposits
$219.26M
Total equity
$22.00M
Net loans
$206.79M
Branches (offices)
4
Net income (YTD)
$1.93M
Rank: #2,703 of 4,213 U.S. banks by assets · #78 of 123 in Georgia. Assets changed 17.3% and deposits 12.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 18.20% |
| Net interest margin (YTD) | 5.20% |
| Equity to assets | 8.72% |
| Tier 1 leverage ratio | 9.65% |
| Uninsured deposits (share of deposits) | 24.9% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 94.3% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $177.86M | 86.0% | |
| Commercial & industrial | $15.20M | 7.4% | |
| Consumer / individual | $15.07M | 7.3% | |
| Construction & development | $17.69M | 8.6% | |
| Agricultural | $483.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $146.02M | $134.38M | $1.05M | $11.35M |
| Jun 2023 | $163.20M | $143.43M | $1.10M | $13.23M |
| Jun 2024 | $182.99M | $162.37M | $1.14M | $15.37M |
| Jun 2025 | $215.07M | $195.43M | $1.55M | $18.16M |
| Jun 2026 | $252.31M | $219.26M | $1.93M | $22.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $219.26M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $219.26M.
Similar-sized banks
Smackover State Bank ($252.37M) · Lafayette State Bank ($252.19M)
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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