Side-by-side · Q2 2026 data
PeoplesSouth Bank vs Georgia Community Bank
Metric by metric
| Measure | PeoplesSouth Bank | Georgia Community Bank |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 54 | 87 (stronger) |
| Loan quality | 66 (stronger) | 58 |
| Earnings | 81 | 92 (stronger) |
| Funding & liquidity | 80 (stronger) | 67 |
| Problem-loan coverage | 80 | 88 (stronger) |
| Peer percentile | 53rd | 72nd |
| Total assets | $1.2B | $375.0M |
| Deposits / shares | $1.1B | $321.7M |
| Capital ratio | 10.45% | 13.67% (stronger) |
| Problem loans | 1.02% (stronger) | 1.25% |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.53% | 1.80% (stronger) |
| Loans ÷ deposits | 77.1% (stronger) | 78.4% |
| Uninsured deposits | 18.1% (stronger) | 27.9% |
| Offices | 34 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | 1.3% |
Georgia Community Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), PeoplesSouth Bank leads on 4 and Georgia Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Albany, GA
- Dawson, GA
- Donalsonville, GA