Headquartered in Talbotton, Georgia, The Peoples Bank of Georgia is a state-chartered bank with $252.3M in total assets and $219.3M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1891.
Based on its Q2 2026 filing, The Peoples Bank of Georgia scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 78th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is capital cushion (46/100; 9.65%).
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 2 points (69 → 71), mostly because the funding & liquidity component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.55% |
| Q3 2024 | 9.66% |
| Q4 2024 | 9.40% |
| Q1 2025 | 9.16% |
| Q2 2025 | 9.23% |
| Q3 2025 | 9.44% |
| Q4 2025 | 9.31% |
| Q1 2026 | 9.54% |
| Q2 2026 | 9.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.27% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $252.3M | 9.65% | 0.32% | 1.59% | 94.3% |
| Q1 2026 | 68 | $242.5M | 9.54% | 0.62% | 1.55% | 87.3% |
| Q4 2025 | 67 | $235.3M | 9.31% | 0.67% | 1.54% | 86.7% |
| Q3 2025 | 69 | $225.2M | 9.44% | 0.49% | 1.52% | 87.1% |
| Q2 2025 | 69 | $215.1M | 9.23% | 0.44% | 1.50% | 89.7% |
| Q1 2025 | 67 | $208.1M | 9.16% | 0.52% | 1.33% | 87.9% |
| Q4 2024 | 66 | $197.4M | 9.40% | 0.64% | 1.27% | 86.5% |
| Q3 2024 | 67 | $185.2M | 9.66% | 0.67% | 1.29% | 89.2% |
| Q2 2024 | 66 | $183.0M | 9.55% | 0.71% | 1.29% | 89.1% |
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 |
|---|---|---|---|---|---|
| Bank of AlapahaBank Alapaha, GA | 69 out of 100, Moderate | $251.0M | 10.2% | 0.34% | vs |
| Ab&tBank Albany, GA | 83 out of 100, Strong | $261.2M | 11.8% | 0.00% | vs |
| Waycross Bank & TrustBank Waycross, GA | 79 out of 100, Strong | $242.2M | 12.1% | 0.25% | vs |
| Loyal Trust BankBank Johns Creek, GA | 64 out of 100, Moderate | $235.3M | 10.8% | 0.25% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
Deposit insurance
Is my money safe at The Peoples Bank of Georgia?
Yes. The Peoples Bank of Georgia is an FDIC-insured institution (FDIC certificate #170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.9% of deposits ($54.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.65%, 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%).
4 locations
Branches
The Peoples Bank of Georgia lists 4 offices in 4 cities. Most locations:
- Buena Vista, GA (1)
- Ellaville, GA (1)
- Talbotton, GA (1)
- Thomaston, GA (1)
HMDA 2025
Mortgage lending
In 2025, The Peoples Bank of Georgia reported 208 home-loan applications under HMDA (LEI 5493007ZX1MGMF18FN43): 173 originated ($29,455,000 total), 21 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, 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
- The Peoples Bank of Georgia
- Former names
- The Peoples Bank of Talbotton; The Peoples Bank of Talbotton, Georgia
- Type
- State-chartered bank
- FDIC certificate #
- 170
- RSSD ID
- 272030
- Primary regulator
- FDIC
- Established
- January 1, 1891
- Headquarters
- 26 W Monroe St, Talbotton, GA 31827
- Website
- www.peoplesbankofga.com
- Employees
- 44
Quick answers
The Peoples Bank of Georgia: common questions
Is The Peoples Bank of Georgia FDIC insured?
Yes. The Peoples Bank of Georgia is an FDIC-insured institution (FDIC certificate #170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Bank of Georgia's TellerScore?
71 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 of Georgia ever failed?
There is no failure record for FDIC certificate #170 in the FDIC failed bank list.
How many branches does The Peoples Bank of Georgia have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Talbotton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Central Georgia BankBank Thomaston, GA | 97 out of 100, Very strong | $160.4M | 22.2% | 0.04% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |
| F & M Bank and Trust CompanyBank Manchester, GA | 69 out of 100, Moderate | $87.4M | 10.2% | 0.52% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |
| Kinetic Federal Credit UnionCredit union Columbus, GA | 66 out of 100, Moderate | $664.6M | 14.1% | 1.55% | vs |