BlastPoint's Banking Scorecard
Peoples Bank
Micro
Specialty: Commercial
GA
FDIC cert 15216
Designations: ✓ Community bank
Lyons, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Peoples Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.39% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.13% above tier
- - Nonperforming Asset Ratio 2.25% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.8M
+7.0% YoY
-2.2% QoQ
|
-$28.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$107.0M
+15.4% YoY
+4.5% QoQ
|
-$32.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$167.7M
+6.6% YoY
-2.5% QoQ
|
-$15.9M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.06%
-25.0% YoY
+31.7% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.04%
-4.4% YoY
+2.9% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
56.94%
-1.5% YoY
-4.9% QoQ
|
-10.78% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? | 4.77% | +4.13% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
63.79%
+8.2% YoY
+7.2% QoQ
|
-10.74% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
19.98%
-10.3% YoY
-8.1% QoQ
|
-2.42% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? | 2.71% | +2.25% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
24.24%
+13.2% YoY
+9.0% QoQ
|
+15.39% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.34%
-10.8% YoY
+32.5% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.24%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.77%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 24.24% · Tier avg: 8.85%
76
76th pctile
Efficiency Ratio
Current: 56.94% · Tier avg: 67.73%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.79% · Tier avg: 74.53%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
51
51th pctile
Total Deposits
Current: $167.7M · Tier avg: $183.7M
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
48
48th pctile
Total Assets
Current: $188.8M · Tier avg: $217.5M
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
45
45th pctile
Total Loans
Current: $107.0M · Tier avg: $139.2M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 4.77% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.71% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.71% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.77% · Tier avg: 0.64%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 22.39%
45
45th pctile
Total Loans
Current: $107.0M · Tier avg: $139.2M
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
48
48th pctile
Total Assets
Current: $188.8M · Tier avg: $217.5M
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Total Deposits
Current: $167.7M · Tier avg: $183.7M
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.79% · Tier avg: 74.53%
76
76th pctile
Efficiency Ratio
Current: 56.94% · Tier avg: 67.73%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.24% · Tier avg: 8.85%