BlastPoint's Banking Scorecard
The Peoples Bank of Georgia
Micro
Specialty: Commercial
GA
FDIC cert 170
Designations: ✓ Community bank
Talbotton, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Peoples Bank of Georgia shows strong momentum with 1 strength and 19.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.35% 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 ? |
$235.3M
+19.2% YoY
+4.5% QoQ
|
+$17.8M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$185.2M
+19.2% YoY
+4.0% QoQ
|
+$46.1M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$213.7M
+19.0% YoY
+4.4% QoQ
|
+$30.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.54%
+21.0% YoY
+1.4% QoQ
|
+0.45% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
5.20%
+4.0% YoY
+0.0% QoQ
|
+1.35% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
58.28%
-6.5% YoY
-0.4% QoQ
|
-9.45% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.68%
+5.2% YoY
+36.2% QoQ
|
+0.04% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
86.69%
+0.2% YoY
-0.4% QoQ
|
+12.17% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
24.58%
+5.3% YoY
-8.1% QoQ
|
+2.19% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.54%
+3.7% YoY
+33.3% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| 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 ? |
0.38%
-9.6% YoY
+31.5% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.20%
(Tier avg: 3.85%, National avg: 3.75%)
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: 5.20% · Tier avg: 3.85%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
72
72th pctile
Efficiency Ratio
Current: 58.28% · Tier avg: 67.73%
71
71th pctile
Loan-to-Deposit Ratio
Current: 86.69% · Tier avg: 74.53%
70
70th pctile
Total Loans
Current: $185.2M · Tier avg: $139.2M
63
63th pctile
Total Deposits
Current: $213.7M · Tier avg: $183.7M
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.58% · Tier avg: 22.39%
59
59th pctile
Total Assets
Current: $235.3M · Tier avg: $217.5M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
Top Weaknesses
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
59
59th pctile
Total Assets
Current: $235.3M · Tier avg: $217.5M
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.58% · Tier avg: 22.39%
63
63th pctile
Total Deposits
Current: $213.7M · Tier avg: $183.7M
70
70th pctile
Total Loans
Current: $185.2M · Tier avg: $139.2M
71
71th pctile
Loan-to-Deposit Ratio
Current: 86.69% · Tier avg: 74.53%
72
72th pctile
Efficiency Ratio
Current: 58.28% · Tier avg: 67.73%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.20% · Tier avg: 3.85%