BlastPoint's Banking Scorecard
The Peoples Bank
Micro
Specialty: Agricultural
GA
FDIC cert 17073
Designations: ✓ Community bank
Willacoochee, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Peoples Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$105.8M
-4.9% YoY
+1.5% QoQ
|
-$111.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$36.7M
+6.2% YoY
+2.2% QoQ
|
-$102.5M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$91.9M
-6.0% YoY
+1.7% QoQ
|
-$91.8M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.74%
+29.4% YoY
-8.7% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.01%
+2.5% YoY
-0.2% QoQ
|
-0.84% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
79.13%
-4.3% YoY
+2.3% QoQ
|
+11.40% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.06%
-7.5% YoY
-3.6% QoQ
|
+0.42% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
39.95%
+12.9% YoY
+0.5% QoQ
|
-34.58% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.97%
-5.6% YoY
+10.1% QoQ
|
+6.57% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.37%
+3.3% YoY
-3.0% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
45% |
| 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 ? |
0.70%
+19.3% YoY
+26.6% QoQ
|
+0.14% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
39.95%
(Tier avg: 74.53%, National avg: 78.04%)
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
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.97% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
26
26th pctile
Total Deposits
Current: $91.9M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $105.8M · Tier avg: $217.5M
22
22th pctile
Efficiency Ratio
Current: 79.13% · Tier avg: 67.73%
17
17th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.85%
14
14th pctile
Total Loans
Current: $36.7M · Tier avg: $139.2M
6
6th pctile
Loan-to-Deposit Ratio
Current: 39.95% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 39.95% · Tier avg: 74.53%
14
14th pctile
Total Loans
Current: $36.7M · Tier avg: $139.2M
17
17th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.85%
22
22th pctile
Efficiency Ratio
Current: 79.13% · Tier avg: 67.73%
24
24th pctile
Total Assets
Current: $105.8M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $91.9M · Tier avg: $183.7M
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.97% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%