Peoples Bank is a state-chartered bank headquartered in Lyons, Georgia, in business for about 95 years. At the end of Q2 2026 it reported $192.4M in total assets and $170.3M in deposits, with 2 offices.
Peoples Bank has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 119th. Funding & liquidity contributes the most (77/100, 66% loans-to-deposits, 30% uninsured); loan quality contributes the least (0/100, 5.12%).
TellerScore · Q2 2026
Scorecard
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 fell 31 points (80 → 49), mostly because the loan quality component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 81 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 80 |
| Q3 2025 | 73 |
| Q4 2025 | 46 |
| Q1 2026 | 48 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.09% |
| Q3 2024 | 11.52% |
| Q4 2024 | 10.96% |
| Q1 2025 | 10.92% |
| Q2 2025 | 11.01% |
| Q3 2025 | 10.15% |
| Q4 2025 | 10.45% |
| Q1 2026 | 10.82% |
| Q2 2026 | 11.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.01% |
| Q4 2025 | 4.70% |
| Q1 2026 | 5.10% |
| Q2 2026 | 5.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.33% |
| Q3 2025 | 0.80% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $192.4M | 11.18% | 5.12% | 1.24% | 66.4% |
| Q1 2026 | 48 | $193.8M | 10.82% | 5.10% | 1.26% | 66.0% |
| Q4 2025 | 46 | $188.8M | 10.45% | 4.70% | 1.06% | 63.8% |
| Q3 2025 | 73 | $192.9M | 10.15% | 0.01% | 0.80% | 59.5% |
| Q2 2025 | 80 | $190.4M | 11.01% | 0.00% | 1.33% | 59.2% |
| Q1 2025 | 80 | $181.3M | 10.92% | 0.11% | 1.37% | 58.5% |
| Q4 2024 | 80 | $176.4M | 10.96% | 0.12% | 1.41% | 58.9% |
| Q3 2024 | 81 | $161.9M | 11.52% | 0.13% | 1.46% | 66.4% |
| Q2 2024 | 81 | $161.2M | 11.09% | 0.05% | 1.53% | 63.6% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Geo. D. Warthen BankBank Sandersville, GA | 73 out of 100, Strong | $190.3M | 13.0% | 1.27% | vs |
| Bank of CamillaBank Camilla, GA | 89 out of 100, Very strong | $188.1M | 20.8% | 0.37% | vs |
| Farmers State BankBank Lincolnton, GA | 97 out of 100, Very strong | $186.2M | 15.4% | 0.17% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Legacy State BankBank Loganville, GA | 75 out of 100, Strong | $205.9M | 12.1% | 0.05% | vs |
Deposit insurance
Is my money safe at Peoples Bank?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #15216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.8% of deposits ($50.7M) 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 11.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.38% (benchmark: 10%).
2 locations
Branches
Peoples Bank lists 2 offices in 2 cities. Most locations:
- Lyons, GA (1)
- Vidalia, GA (1)
Identity & history
Profile
- Legal name
- Peoples Bank
- Former names
- The Peoples Bank of Lyons
- Type
- State-chartered bank
- FDIC certificate #
- 15216
- RSSD ID
- 715032
- Primary regulator
- FDIC
- Holding company
- South Georgia Bankshares Corp
- Established
- January 1, 1931
- Headquarters
- 299 W Liberty Ave, Lyons, GA 30436
- Website
- www.ourpeoplesbank.com
- Employees
- 26
Quick answers
Peoples Bank: common questions
Is Peoples Bank FDIC insured?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #15216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Bank ever failed?
There is no failure record for FDIC certificate #15216 in the FDIC failed bank list.
How many branches does Peoples Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lyons
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
| Pineland BankBank Alma, GA | 75 out of 100, Strong | $597.1M | 10.5% | 0.49% | vs |
| Altamaha Bank & Trust CompanyBank Vidalia, GA | 74 out of 100, Strong | $334.1M | 10.2% | 0.32% | vs |
| Glennville BankBank Glennville, GA | 73 out of 100, Strong | $444.2M | 11.0% | 1.09% | vs |