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Peoplessouth Bank
Colquitt, GA · FDIC Certificate #21292 · Chartered 10/1
Total assets
$1.21B
Total deposits
$1.12B
Total equity
$78.52M
Net loans
$862.41M
Branches (offices)
33
Net income (YTD)
$9.16M
Rank: #883 of 4,213 U.S. banks by assets · #12 of 123 in Georgia. Assets changed 6.4% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 24.34% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 6.46% |
| Tier 1 leverage ratio | 10.45% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 1.02% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 77.1% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $716.65M | 83.1% | |
| Commercial & industrial | $79.75M | 9.2% | |
| Consumer / individual | $17.12M | 2.0% | |
| Construction & development | $142.34M | 16.5% | |
| Agricultural | $41.97M | 4.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.05B | $992.00M | $7.16M | $37.08M |
| Jun 2023 | $1.09B | $1.04B | $7.42M | $43.76M |
| Jun 2024 | $1.12B | $1.06B | $6.34M | $50.96M |
| Jun 2025 | $1.14B | $1.07B | $8.37M | $61.80M |
| Jun 2026 | $1.21B | $1.12B | $9.16M | $78.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $556.61M | 14 |
| Alabama | $302.55M | 10 |
| Georgia | $260.06M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.12B.
Similar-sized banks
Texas National Bank ($1.22B) · Bank Of The Orient ($1.21B)
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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