BlastPoint's Banking Scorecard
The Peoples Bank
Micro
Specialty: Commercial
GA
FDIC cert 16152
Designations: ✓ Community bank
Eatonton, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Peoples Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.30% above tier
- + Non-Interest-Bearing Deposit Share 16.25% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$256.9M
+1.9% YoY
-5.2% QoQ
|
+$39.4M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$198.2M
+11.7% YoY
+4.4% QoQ
|
+$59.0M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$224.0M
+0.6% YoY
-5.8% QoQ
|
+$40.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.21%
+12.7% YoY
+3.9% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
5.16%
+2.1% YoY
+1.4% QoQ
|
+1.30% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
67.72%
-4.4% YoY
-1.5% QoQ
|
-0.01% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.00%
-97.1% YoY
-87.8% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
88.46%
+11.0% YoY
+10.8% QoQ
|
+13.94% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
38.64%
-4.6% YoY
-1.5% QoQ
|
+16.25% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-66.0% YoY
-26.1% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
-6.8% YoY
+38.8% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.16%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.64%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
93
93th pctile
Net Interest Margin
Current: 5.16% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.64% · Tier avg: 22.39%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
73
73th pctile
Total Loans
Current: $198.2M · Tier avg: $139.2M
66
66th pctile
Total Deposits
Current: $224.0M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $256.9M · Tier avg: $217.5M
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
46
46th pctile
Efficiency Ratio
Current: 67.72% · Tier avg: 67.73%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.46% · Tier avg: 74.53%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.46% · Tier avg: 74.53%
46
46th pctile
Efficiency Ratio
Current: 67.72% · Tier avg: 67.73%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
64
64th pctile
Total Assets
Current: $256.9M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $224.0M · Tier avg: $183.7M
73
73th pctile
Total Loans
Current: $198.2M · Tier avg: $139.2M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.64% · Tier avg: 22.39%
93
93th pctile
Net Interest Margin
Current: 5.16% · Tier avg: 3.85%