Side-by-side · Q2 2026 data
The Peoples Bank of Georgia vs West Central Georgia Bank
Metric by metric
| Measure | The Peoples Bank of Georgia | West Central Georgia Bank |
|---|---|---|
| TellerScore | 71 | 97 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 89 | 99 (stronger) |
| Earnings | 84 | 86 (stronger) |
| Funding & liquidity | 55 | 97 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 47th | 100th |
| Total assets | $252.3M | $160.4M |
| Deposits / shares | $219.3M | $123.7M |
| Capital ratio | 9.65% | 22.22% (stronger) |
| Problem loans | 0.32% | 0.04% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 1.59% | 1.65% (stronger) |
| Loans ÷ deposits | 94.3% | 62.8% (stronger) |
| Uninsured deposits | 24.9% | 13.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
West Central Georgia Bank has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank of Georgia leads on 0 and West Central Georgia Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Thomaston, GA