Side-by-side · Q2 2026 data
PeoplesSouth Bank vs First National Bank of Decatur County
Metric by metric
| Measure | PeoplesSouth Bank | First National Bank of Decatur County |
|---|---|---|
| TellerScore | 69 (stronger) | 55 |
| Capital cushion | 54 (stronger) | 24 |
| Loan quality | 66 | 88 (stronger) |
| Earnings | 81 (stronger) | 31 |
| Funding & liquidity | 80 (stronger) | 73 |
| Problem-loan coverage | 80 | 90 (stronger) |
| Peer percentile | 53rd | 11th |
| Total assets | $1.2B | $359.6M |
| Deposits / shares | $1.1B | $330.8M |
| Capital ratio | 10.45% (stronger) | 7.42% |
| Problem loans | 1.02% | 0.36% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.53% (stronger) | 0.26% |
| Loans ÷ deposits | 77.1% (stronger) | 80.2% |
| Uninsured deposits | 18.1% (stronger) | 21.8% |
| Offices | 34 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | 4.0% |
PeoplesSouth Bank has the higher TellerScore (69 vs 55). On the 7 directional measures above (where higher or lower is clearly better), PeoplesSouth Bank leads on 6 and First National Bank of Decatur County on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bainbridge, GA
- Leesburg, GA