TellerScore

The Peoples Bank (FDIC certificate #17073) is based in Willacoochee, Georgia. Its Q2 2026 call report shows $109.3M in total assets and $95.2M in deposits and 2 offices.

Based on its Q2 2026 filing, The Peoples Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 73rd. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is earnings (49/100; 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.45%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.89%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 39.0% · 21.4% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.36%

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 (70 → 73), mostly because the loan quality component improved by 6 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202470
Q1 202568
Q2 202570
Q3 202574
Q4 202574
Q1 202671
Q2 202673
Tier 1 leverage ratio
5.00%9.06%13.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.63%
Q3 202413.11%
Q4 202412.43%
Q1 202511.74%
Q2 202512.15%
Q3 202512.78%
Q4 202513.10%
Q1 202612.44%
Q2 202612.45%
Noncurrent loans
0.89%1.01%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.00%
Q3 20241.08%
Q4 20241.14%
Q1 20251.05%
Q2 20251.09%
Q3 20251.09%
Q4 20251.05%
Q1 20260.98%
Q2 20260.89%
Return on assets
0.57%0.69%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.62%
Q4 20240.57%
Q1 20250.59%
Q2 20250.69%
Q3 20250.81%
Q4 20250.74%
Q1 20260.65%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$109.3M12.45%0.89%0.71%39.0%
Q1 202671$112.7M12.44%0.98%0.65%37.3%
Q4 202574$105.8M13.10%1.05%0.74%40.0%
Q3 202574$104.3M12.78%1.09%0.81%39.8%
Q2 202570$109.3M12.15%1.09%0.69%36.3%
Q1 202568$113.9M11.74%1.05%0.59%35.4%
Q4 202470$111.3M12.43%1.14%0.57%35.4%
Q3 202473$98.8M13.11%1.08%0.62%42.4%
Q2 202472$101.2M12.63%1.00%0.66%41.3%

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 ratio12.45%
69th
Total risk-based capital0.00%
24th
Problem loans0.89%
31st
Net charge-offs0.03%
35th
Return on assets0.71%
20th
Net interest margin3.04%
11th
Efficiency ratio79.8%
14th
Loans to deposits39.0%
96th
Uninsured deposits21.4%
59th
Loan-loss reserves0.66%
7th
Texas ratio2.4%
54th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Carver State BankBank Savannah, GA89 out of 100, Very strong$111.2M15.0%0.37%vs
The Citizens National Bank of QuitmanBank Quitman, GA81 out of 100, Strong$133.7M11.6%0.21%vs
Bank of HazlehurstBank Hazlehurst, GA90 out of 100, Very strong$134.2M14.6%0.68%vs
Planters and Citizens BankBank Camilla, GA71 out of 100, Strong$139.2M10.5%0.06%vs
The Merchants & Citizens BankBank Mcrae, GA79 out of 100, Strong$146.0M13.2%0.36%vs
The Farmers BankBank Greensboro, GA77 out of 100, Strong$148.3M11.2%0.05%vs

Deposit insurance

Is my money safe at The Peoples Bank?

Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #17073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.4% of deposits ($20.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.45%, 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

2 locations

Branches

The Peoples Bank lists 2 offices in 2 cities. Most locations:

  • Pearson, GA (1)
  • Willacoochee, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Peoples Bank
Type
State-chartered bank
FDIC certificate #
17073
RSSD ID
575133
Primary regulator
FDIC
Holding company
Atkinson Cnty Bankshares Corp
Established
September 24, 1948
Headquarters
6 Fleetwood Ave E, Willacoochee, GA 31650
Employees
25

Quick answers

The Peoples Bank: common questions

Is The Peoples Bank FDIC insured?

Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #17073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Peoples Bank's TellerScore?

73 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 #17073 in the FDIC failed bank list.

How many branches does The Peoples Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Willacoochee

InstitutionScoreAssetsCapitalProblem loansCompare
Fnb SouthBank Alma, GA95 out of 100, Very strong$734.8M16.2%0.00%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
The Trust BankBank Lenox, GA86 out of 100, Very strong$47.0M16.2%1.36%vs
Douglas National BankBank Douglas, GA78 out of 100, Strong$326.9M10.3%0.10%vs
Community Banking CompanyBank Fitzgerald, GA77 out of 100, Strong$297.3M11.3%0.64%vs
Pineland BankBank Alma, GA75 out of 100, Strong$597.1M10.5%0.49%vs