BlastPoint's Banking Scorecard

PeoplesSouth Bank

Community Specialty: Commercial GA FDIC cert 21292

Colquitt, GA

1484 banks in Community tier nationally 36 in GA

View Community leaderboard (GA) →

PeoplesSouth Bank faces 2 concerns requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 25% in Community
- Capital Thin: Bottom 48% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$1.2B +4.8% YoY -0.7% QoQ	-$229.6M	$1.4B +2.0% YoY	$791.9M +9.3% YoY	$5.9B +6.5% YoY	58%
Total Loans ?	$803.9M +6.5% YoY +1.4% QoQ	-$171.6M	$975.5M +2.4% YoY	$538.5M +10.1% YoY	$3.1B +8.5% YoY	57%
Total Deposits ?	$1.1B +3.0% YoY -0.6% QoQ	-$81.3M	$1.2B +1.7% YoY	$671.4M +8.0% YoY	$4.7B +6.3% YoY	63%
Return on Assets ?	1.42% +20.8% YoY +1.8% QoQ	+0.26%	1.16% +17.2% YoY	1.46% +11.8% YoY	1.12% +15.6% YoY	70%
Net Interest Margin ?	4.12% +12.0% YoY +1.7% QoQ	+0.46%	3.66% +9.1% YoY	4.40% +3.8% YoY	3.75% +7.1% YoY	75%
Efficiency Ratio ?	52.29% -11.0% YoY -2.7% QoQ	-10.34%	62.63% -5.3% YoY	59.78% -5.5% YoY	65.09% -5.1% YoY	79%
Delinquency Rate ?	1.05% +6.8% YoY -31.5% QoQ	+0.42%	0.63% +18.3% YoY	0.67% +32.9% YoY	0.66% +20.3% YoY	25%
Loan-to-Deposit Ratio ?	74.21% +3.4% YoY +2.0% QoQ	-8.86%	83.06% +0.3% YoY	72.12% +2.8% YoY	78.04% +0.7% YoY	73%
Non-Interest-Bearing Deposit Share ?	20.75% -2.4% YoY +0.4% QoQ	-0.30%	21.05% -0.9% YoY	27.08% -1.1% YoY	21.79% -1.3% YoY	54%
Nonperforming Asset Ratio ?	0.85% +5.9% YoY -27.2% QoQ	+0.35%	0.50% +20.3% YoY	0.46% +30.5% YoY	0.48% +20.8% YoY	24%
Tier 1 Capital Ratio ?	0.00%	-10.24%	10.24% -0.6% YoY	12.12% +2.1% YoY	9.75% -1.9% YoY	29%
Non-Interest Income / Assets ?	0.34% +5.7% YoY +22.5% QoQ	-0.40%	0.74% -1.3% YoY	0.53% -2.9% YoY	0.65% +0.6% YoY	28%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Risk Growth

risk

#162 of 642 · Bottom 25% in Community

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

642 of 642 Community banks match · 759 nationally

→ Stable +24 banks QoQ | QoQ rank improving

Capital Thin

risk

#206 of 432 · Bottom 48% in Community

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Risk-Based Capital Ratio: 0.00%

(Tier: 10.24%, National: 9.75%)

worse than tier avg

432 of 432 Community banks match · 505 nationally

→ Stable +11 banks QoQ | QoQ rank declining

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Efficiency Ratio

Current: 52.29% · Tier avg: 62.63%

79th pctile

Net Interest Margin

Current: 4.12% · Tier avg: 3.66%

75th pctile

Loan-to-Deposit Ratio

Current: 74.21% · Tier avg: 83.06%

73th pctile

Return on Assets

Current: 1.42% · Tier avg: 1.16%

70th pctile

Total Deposits

Current: $1.1B · Tier avg: $1.2B

63th pctile

Total Assets

Current: $1.2B · Tier avg: $1.4B

58th pctile

Total Loans

Current: $803.9M · Tier avg: $975.5M

57th pctile

Non-Interest-Bearing Deposit Share

Current: 20.75% · Tier avg: 21.05%

54th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 10.24%

29th pctile

Non-Interest Income / Assets

Current: 0.34% · Tier avg: 0.74%

28th pctile

Delinquency Rate

Current: 1.05% · Tier avg: 0.63%

25th pctile

Nonperforming Asset Ratio

Current: 0.85% · Tier avg: 0.50%

24th pctile

Top Weaknesses