The Peoples Bank of Georgia: how it compares with its peers
Against 70 GA banks with half to twice its assets, The Peoples Bank of Georgia's strongest measure in Q2 2026 is net interest margin (5.20% vs. a 4.57% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.7M).
| Measure | The Peoples Bank of Georgia | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.59% | 1.56% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.20% | 4.57% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.34% | 59.37% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.7M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.31% | 77.25% | Context |
What it means for lending operations
Its efficiency ratio of 56.34% is better than the 59.37% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Alapaha Alapaha, GA · $251M
- AB&T Albany, GA · $261M
- Waycross Bank & Trust Waycross, GA · $242M
- Loyal Trust Bank Johns Creek, GA · $235M
- Community Bank of Georgia Baxley, GA · $269M
- South Georgia Bank Glennville, GA · $270M
Questions about The Peoples Bank of Georgia
How big is The Peoples Bank of Georgia?
The Peoples Bank of Georgia, established in 1891, is headquartered in Talbotton, GA. It reported $252M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Peoples Bank of Georgia's return on assets?
1.59% annualized in Q2 2026, against a 1.56% median for 70 GA banks with half to twice its assets, ahead of 54% of them.
What is The Peoples Bank of Georgia's efficiency ratio?
56.34% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 59.37%, and lower is better.
Is The Peoples Bank of Georgia growing its loans?
Net loans grew 17.9% over the year to Q2 2026, while deposits grew 12.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.