TellerScore

PeoplesSouth Bank is a state-chartered bank headquartered in Colquitt, Georgia, in business for about 53 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.1B in deposits, with 34 offices across 3 states.

Based on its Q2 2026 filing, PeoplesSouth Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 84th. Its strongest component is earnings (81/100; 1.53%), and its lowest is capital cushion (54/100; 10.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.45%
Loan quality66/100
Noncurrent loans ÷ total loans: 1.02%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 77.1% · 18.1% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.87%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).

TellerScore
626772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202465
Q4 202463
Q1 202568
Q2 202569
Q3 202562
Q4 202566
Q1 202672
Q2 202669
Tier 1 leverage ratio
5.00%7.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.65%
Q3 20249.74%
Q4 20249.44%
Q1 20259.90%
Q2 202510.12%
Q3 202510.16%
Q4 20259.94%
Q1 202610.80%
Q2 202610.45%
Noncurrent loans
0.68%1.10%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.68%
Q3 20240.92%
Q4 20240.97%
Q1 20250.94%
Q2 20250.89%
Q3 20251.51%
Q4 20251.04%
Q1 20260.93%
Q2 20261.02%
Return on assets
1.12%1.39%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.16%
Q4 20241.12%
Q1 20251.48%
Q2 20251.49%
Q3 20251.39%
Q4 20251.42%
Q1 20261.65%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.2B10.45%1.02%1.53%77.1%
Q1 202672$1.2B10.80%0.93%1.65%73.9%
Q4 202566$1.2B9.94%1.04%1.42%74.2%
Q3 202562$1.2B10.16%1.51%1.39%72.7%
Q2 202569$1.1B10.12%0.89%1.49%73.2%
Q1 202568$1.1B9.90%0.94%1.48%71.6%
Q4 202463$1.1B9.44%0.97%1.12%71.8%
Q3 202465$1.1B9.74%0.92%1.16%71.6%
Q2 202468$1.1B9.65%0.68%1.14%69.8%

897 peers · $1 billion – $10 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 ratio10.45%
49th
Total risk-based capital0.00%
13th
Problem loans1.02%
26th
Net charge-offs0.01%
64th
Return on assets1.53%
71st
Net interest margin4.23%
79th
Efficiency ratio50.9%
75th
Loans to deposits77.1%
74th
Uninsured deposits18.1%
86th
Loan-loss reserves1.31%
70th
Texas ratio9.9%
17th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
American Pride BankBank Macon, GA77 out of 100, Strong$1.0B14.1%0.00%vs
BankSouthBank Greensboro, GA68 out of 100, Moderate$1.6B10.2%0.55%vs
PrimeSouth BankBank Blackshear, GA66 out of 100, Moderate$1.6B12.0%1.48%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs

Deposit insurance

Is my money safe at PeoplesSouth Bank?

Yes. PeoplesSouth Bank is an FDIC-insured institution (FDIC certificate #21292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($202.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

34 locations

Branches

PeoplesSouth Bank lists 34 offices in 30 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PeoplesSouth Bank reported 341 home-loan applications under HMDA (LEI 549300RZCM5T73BZEI76): 309 originated ($60,105,000 total), 18 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.5%, 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
PeoplesSouth Bank
Former names
The Peoples Bank; Peoples Community Bank
Type
State-chartered bank
FDIC certificate #
21292
RSSD ID
518037
Primary regulator
FDIC
Holding company
Peoplessouth Bancshares Inc
Established
October 19, 1973
Headquarters
203 W Crawford St, Colquitt, GA 39837
Employees
198

Quick answers

PeoplesSouth Bank: common questions

Is PeoplesSouth Bank FDIC insured?

Yes. PeoplesSouth Bank is an FDIC-insured institution (FDIC certificate #21292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PeoplesSouth Bank's TellerScore?

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

Has PeoplesSouth Bank ever failed?

There is no failure record for FDIC certificate #21292 in the FDIC failed bank list.

How many branches does PeoplesSouth Bank have?

34 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Colquitt

InstitutionScoreAssetsCapitalProblem loansCompare
Georgia Community BankBank Albany, GA78 out of 100, Strong$375.0M13.7%1.25%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Ameris BankBank Atlanta, GA67 out of 100, Moderate$28.4B11.4%0.57%vs
First Port City BankBank Bainbridge, GA66 out of 100, Moderate$623.9M10.5%1.04%vs
First State Bank of BlakelyBank Blakely, GA65 out of 100, Moderate$668.2M19.2%3.36%vs