The Peoples Bank is a state-chartered bank headquartered in Eatonton, Georgia, in business for about 83 years. At the end of Q2 2026 it reported $269.7M in total assets and $234.8M in deposits, with 3 offices.
The Peoples Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 43rd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (59/100, 88% loans-to-deposits, 27% uninsured).
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 rose 4 points (75 → 79), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 74 |
| Q1 2025 | 75 |
| Q2 2025 | 75 |
| Q3 2025 | 75 |
| Q4 2025 | 76 |
| Q1 2026 | 81 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.75% |
| Q3 2024 | 10.57% |
| Q4 2024 | 10.57% |
| Q1 2025 | 10.86% |
| Q2 2025 | 10.80% |
| Q3 2025 | 10.59% |
| Q4 2025 | 11.14% |
| Q1 2026 | 11.47% |
| Q2 2026 | 11.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $269.7M | 11.67% | 0.00% | 1.46% | 88.2% |
| Q1 2026 | 81 | $273.3M | 11.47% | 0.00% | 1.64% | 84.6% |
| Q4 2025 | 76 | $256.9M | 11.14% | 0.00% | 1.21% | 88.5% |
| Q3 2025 | 75 | $271.0M | 10.59% | 0.02% | 1.17% | 79.8% |
| Q2 2025 | 75 | $267.6M | 10.80% | 0.00% | 1.10% | 77.9% |
| Q1 2025 | 75 | $254.9M | 10.86% | 0.01% | 1.04% | 81.7% |
| Q4 2024 | 74 | $252.2M | 10.57% | 0.10% | 1.08% | 79.7% |
| Q3 2024 | 74 | $249.3M | 10.57% | 0.00% | 1.07% | 81.0% |
| Q2 2024 | 75 | $243.0M | 10.75% | 0.01% | 1.03% | 80.2% |
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 |
|---|---|---|---|---|---|
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| South Coast Bank & TrustBank Brunswick, GA | 72 out of 100, Strong | $269.8M | 9.9% | 0.49% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |
| Ab&tBank Albany, GA | 83 out of 100, Strong | $261.2M | 11.8% | 0.00% | vs |
| First Federal Savings and Loan Association of ValdostaBank Valdosta, GA | 57 out of 100, Moderate | $278.5M | 12.3% | 1.79% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |
Deposit insurance
Is my money safe at The Peoples Bank?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #16152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.6% of deposits ($62.5M) 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 11.67%, 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%).
3 locations
Branches
The Peoples Bank lists 3 offices in 2 cities. Most locations:
- Eatonton, GA (2)
- Gainesville, GA (1)
Identity & history
Profile
- Legal name
- The Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16152
- RSSD ID
- 611031
- Primary regulator
- FDIC
- Holding company
- Peoples Bankshares Inc
- Established
- July 15, 1943
- Headquarters
- 209 S Jefferson Ave, Eatonton, GA 31024
- Website
- www.peoples1943.com
- Employees
- 42
Quick answers
The Peoples Bank: common questions
Is The Peoples Bank FDIC insured?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #16152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Bank's TellerScore?
79 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 The Peoples Bank ever failed?
There is no failure record for FDIC certificate #16152 in the FDIC failed bank list.
How many branches does The Peoples Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eatonton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| Bank of MonticelloBank Monticello, GA | 83 out of 100, Strong | $158.0M | 14.5% | 1.06% | vs |