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First Peoples Bank
Pine Mountain, GA · FDIC Certificate #33010 · Chartered 07/0
Total assets
$449.36M
Total deposits
$379.25M
Total equity
$54.19M
Net loans
$351.25M
Branches (offices)
7
Net income (YTD)
$2.27M
Rank: #1,912 of 4,213 U.S. banks by assets · #42 of 123 in Georgia. Assets changed 20.1% and deposits 19.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 8.59% |
| Net interest margin (YTD) | 4.85% |
| Equity to assets | 12.06% |
| Tier 1 leverage ratio | 12.84% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 92.6% |
| Real estate loans (share of loans) | 90.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $317.44M | 90.4% | |
| Commercial & industrial | $35.56M | 10.1% | |
| Consumer / individual | $3.18M | 0.9% | |
| Construction & development | $67.54M | 19.2% | |
| Agricultural | $272.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $258.04M | $233.97M | $801.00K | $22.43M |
| Jun 2023 | $285.89M | $260.32M | $1.77M | $23.68M |
| Jun 2024 | $331.37M | $295.07M | $1.77M | $33.54M |
| Jun 2025 | $374.15M | $316.45M | $2.51M | $38.73M |
| Jun 2026 | $449.36M | $379.25M | $2.27M | $54.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $379.25M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $379.25M.
Similar-sized banks
The Bank Of East Asia Ltd. ($449.64M) · Security State Bank ($449.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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