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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Talbotton, GA · FDIC certificate #170
PEOPLES BANK OF GEORGIA is an FDIC-insured institution based in Talbotton, GA (FDIC certificate #170). In its Q3 2026 Call Report it reported total assets of $258M, total deposits of $224M and net loans of $213M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES BANK OF GEORGIA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $258M in Q3 2026 and were lowest at $243M in Q1 2026.
Total deposits were highest at $224M in Q3 2026 and lowest at $219M in Q1 2026.
Over the whole period total assets rose 6.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $258M | $224M | $213M | 1.54% | 17.63% | 5.16% |
| Q2 2026 | $252M | $219M | $207M | 1.59% | 18.20% | 5.20% |
| Q1 2026 | $243M | $219M | $191M | 1.55% | 17.79% | 5.07% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.7M | $26.9M | -$5.2M | -19.3% |
| Federal funds sold | $50K | $50K | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $14.2M | $15.4M | -$1.2M | -7.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $206.8M | $191.2M | +$15.6M | +8.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.7M | $4.5M | +$143K | +3.2% |
| Other real estate owned | $85K | $85K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.8M | $4.4M | +$397K | +9.1% |
| Total assets | $252.3M | $242.5M | +$9.8M | +4.0% |
| Liabilities | ||||
| Total deposits | $219.3M | $219.1M | +$183K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.0M | $0K | +$10.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.0M | $1.9M | -$827K | -44.2% |
| Total liabilities | $230.3M | $220.9M | +$9.4M | +4.2% |
| Equity | ||||
| Perpetual preferred stock | $4.9M | $4.9M | $0K | 0.0% |
| Common stock | $77K | $77K | $0K | 0.0% |
| Surplus | $3.6M | $3.6M | $0K | 0.0% |
| Retained earnings | $15.2M | $14.3M | +$962K | +6.7% |
| Accumulated other comprehensive income | -$1.3M | -$1.2M | -$66K | -5.4% |
| Other equity components | -$470K | $0K | -$470K | n/a |
| Total equity capital | $22.0M | $21.6M | +$426K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $750K | $1.3M | -$534K | -41.6% |
| Adjusted nonperforming assets | $750K | $1.3M | -$534K | -41.6% |
| Tangible equity plus allowance | $24.0M | $23.4M | +$604K | +2.6% |
| Texas ratio (gross) | 3.12% | 5.48% | -2.36 pts | See points |
| Texas ratio (adjusted) | 3.12% | 5.48% | -2.36 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.36% | 5.72% | -2.36 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.65% | 9.54% | +0.11 pts | See points |
| Construction and land loans to total capital | 69.79% | 62.43% | +7.36 pts | See points |
| Commercial real estate to total capital | 127.67% | 117.52% | +10.15 pts | See points |
| Dividend payout, year to date | 7.60% | 11.10% | -3.50 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.40% | -7.17% | -0.23 pts | See points |
| Liquidity | ||||
| Core deposits | $190.3M | $192.3M | -$2.0M | -1.0% |
| Non-core funding | $38.9M | $26.8M | +$12.1M | +45.3% |
| Loans to core deposits | 109.72% | 100.40% | +9.32 pts | See points |
| Loans to deposits | 95.24% | 88.13% | +7.12 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 85.26% | 94.21% | -8.96 pts | See points |
| Loans pledged, share of loans | 26.51% | 32.26% | -5.75 pts | See points |
| Volatile liabilities | $38.9M | $26.8M | +$12.1M | +45.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.8M | $1.3M | +$1.5M | +110.7% |
| Earnings before provision, single quarter | $1.5M | $1.3M | +$143K | +10.7% |
| Provision for credit losses, year to date | $281K | $121K | +$160K | +132.2% |
| Yield and cost | ||||
| Yield on loans and leases | 8.09% | 7.86% | +0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | 3.66% | +0.07 pts | See points |
| Total interest income to average assets | 7.11% | 6.74% | +0.36 pts | See points |
| Cost of interest-bearing transaction accounts | 1.50% | 1.56% | -0.06 pts | See points |
| Cost of savings and money market deposits | 2.31% | 2.38% | -0.07 pts | See points |
| Cost of time deposits | 3.65% | 3.70% | -0.05 pts | See points |
| Total interest expense to average assets | 1.94% | 1.96% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $258M | $224M | $213M | 1.54% | 17.63% | 5.16% |
| 2026-06-30 | $252M | $219M | $207M | 1.59% | 18.20% | 5.20% |
| 2026-03-31 | $243M | $219M | $191M | 1.55% | 17.79% | 5.07% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| GA | $195.4M | 0.06% | 116 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.