TellerScore

First Peoples Bank is a state-chartered bank headquartered in Pine Mountain, Georgia, in business for about 36 years. At the end of Q2 2026 it reported $449.4M in total assets and $379.2M in deposits, with 9 offices.

First Peoples Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 53rd. Problem-loan coverage contributes the most (99/100, 0.7%); funding & liquidity contributes the least (51/100, 93% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.84%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 92.6% · 29.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.72%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (74 → 77), mostly because the capital cushion component improved by 17 points.

TellerScore
707681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202470
Q1 202571
Q2 202574
Q3 202574
Q4 202581
Q1 202679
Q2 202677
Tier 1 leverage ratio
5.00%9.26%13.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.24%
Q3 202411.28%
Q4 202410.90%
Q1 202510.59%
Q2 202511.10%
Q3 202511.05%
Q4 202513.52%
Q1 202613.05%
Q2 202612.84%
Noncurrent loans
0.06%0.19%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.32%
Q4 20240.26%
Q1 20250.25%
Q2 20250.06%
Q3 20250.08%
Q4 20250.08%
Q1 20260.06%
Q2 20260.12%
Return on assets
1.03%1.18%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.03%
Q4 20241.06%
Q1 20251.30%
Q2 20251.32%
Q3 20251.26%
Q4 20251.23%
Q1 20261.06%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$449.4M12.84%0.12%1.04%92.6%
Q1 202679$417.9M13.05%0.06%1.06%91.1%
Q4 202581$444.6M13.52%0.08%1.23%78.8%
Q3 202574$385.2M11.05%0.08%1.26%88.3%
Q2 202574$374.2M11.10%0.06%1.32%90.6%
Q1 202571$376.1M10.59%0.25%1.30%85.9%
Q4 202470$388.7M10.90%0.26%1.06%79.5%
Q3 202470$331.0M11.28%0.32%1.03%87.3%
Q2 202471$331.4M11.24%0.31%1.06%84.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.84%
74th
Total risk-based capital15.73%
72nd
Problem loans0.12%
72nd
Net charge-offs0.06%
25th
Return on assets1.04%
36th
Net interest margin4.85%
89th
Efficiency ratio66.8%
37th
Loans to deposits92.6%
21st
Uninsured deposits29.8%
28th
Loan-loss reserves1.46%
76th
Texas ratio0.7%
74th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of MadisonBank Madison, GA83 out of 100, Strong$448.1M11.6%0.02%vs
The Bank of LaFayette, GeorgiaBank La Fayette, GA56 out of 100, Moderate$446.8M9.4%1.44%vs
Glennville BankBank Glennville, GA73 out of 100, Strong$444.2M11.0%1.09%vs
The Commercial BankBank Crawford, GA79 out of 100, Strong$463.7M10.7%0.17%vs
River City BankBank Rome, GA77 out of 100, Strong$423.4M10.1%0.00%vs
Great Oaks BankBank Richmond Hill, GA76 out of 100, Strong$422.0M10.3%0.10%vs

Deposit insurance

Is my money safe at First Peoples Bank?

Yes. First Peoples Bank is an FDIC-insured institution (FDIC certificate #33010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.8% of deposits ($113.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.73% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

First Peoples Bank lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Peoples Bank reported 87 home-loan applications under HMDA (LEI 549300107HDIK6N8E812): 66 originated ($18,720,000 total), 6 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Peoples Bank
Type
State-chartered bank
FDIC certificate #
33010
RSSD ID
1459799
Primary regulator
FDIC
Holding company
First Peoples Bankshares Inc
Established
July 9, 1990
Headquarters
105 Chipley St, Pine Mountain, GA 31822
Employees
90

Quick answers

First Peoples Bank: common questions

Is First Peoples Bank FDIC insured?

Yes. First Peoples Bank is an FDIC-insured institution (FDIC certificate #33010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Peoples Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Peoples Bank ever failed?

There is no failure record for FDIC certificate #33010 in the FDIC failed bank list.

How many branches does First Peoples Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pine Mountain

InstitutionScoreAssetsCapitalProblem loansCompare
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
Chattahoochee Federal Credit UnionCredit union Valley, AL87 out of 100, Very strong$23.4M15.0%0.51%vs
The Southern Credit UnionCredit union Fayetteville, GA76 out of 100, Strong$560.2M11.6%0.10%vs
Anchor BankBank Palm Beach Gardens, FL75 out of 100, Strong$805.5M8.8%0.15%vs
AuburnBankBank Auburn, AL74 out of 100, Strong$1.1B10.7%0.01%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs