First Peoples Bank: how it compares with its peers
Against 69 GA banks with half to twice its assets, First Peoples Bank's strongest measure in Q2 2026 is net interest margin (4.85% vs. a 4.64% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $7.1M).
| Measure | First Peoples Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.59% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.85% | 4.64% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.76% | 56.50% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $7.1M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.62% | 80.31% | Context |
What it means for lending operations
Its efficiency ratio of 66.76% is above the 56.50% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Madison Madison, GA · $448M
- The Bank of LaFayette, Georgia La Fayette, GA · $447M
- Glennville Bank Glennville, GA · $444M
- The Commercial Bank Crawford, GA · $464M
- River City Bank Rome, GA · $423M
- Great Oaks Bank Richmond Hill, GA · $422M
Questions about First Peoples Bank
How big is First Peoples Bank?
First Peoples Bank, established in 1990, is headquartered in Pine Mountain, GA. It reported $449M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is First Peoples Bank's return on assets?
1.04% annualized in Q2 2026, against a 1.59% median for 69 GA banks with half to twice its assets, ahead of 19% of them.
What is First Peoples Bank's efficiency ratio?
66.76% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 56.50%, and lower is better.
Is First Peoples Bank growing its loans?
Net loans grew 22.5% over the year to Q2 2026, while deposits grew 19.8%.
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.