Peoples Bank
Lyons, GA
IDRSSD: 715032
Total Assets
$188.77M
Latest filing
Total Deposits
$167.74M
Latest filing
Net Interest Margin
4.31%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
061202371COLQUITT, GA061211317LYONS, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Bank
299 W Liberty Ave
Lyons, GA 30436
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1931FDIC Certificate 9572
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peoples Bank (Main) | 299 W Liberty Ave | Lyons, GA |
| VIDALIA BRANCH | 2301 E 1st St | Vidalia, GA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30436 |
| State and County Number | 13279 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Vidalia, GA |
Operational Info
| Number of Employees | 26 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/02/1935 |
| Primary Insurance Agency | DIF |
| Website | www.ourpeoplesbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15216 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $188.77M |
| Total Deposits | $167.74M |
| Total Liabilities | $168.84M |
| Total Equity Capital | $19.93M |
| Net Income | $852.00k |
| Net Loans and Leases | $107.00M |
| Assets Per Employee ($Millions) | $7.26M |
| Bank Premises and Fixed Assets | $2.74M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $167.74M |
Key Performance Ratios
| Return on Assets (ROA) | 1.79% |
| Return on Equity (ROE) | 17.36% |
| Net Interest Margin | 4.31% |
| Efficiency Ratio | 48.99% |
| Tier 1 Risk-Based Capital Ratio | 24.241% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.53% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.556% |
| Earning Assets to total Assets | 96.64% |
Income and Expense
| Total Interest Income | $2.77M |
| Total Noninterest Income | $148.00k |
| Total Interest Expense | $777.00k |
| Total Noninterest Expense | $1.05M |
| Net Interest Income | $1.99M |
| Pre-tax Net Operating Income | $835.00k |
| Provision for Credit Losses | $255.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.77M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.10M |
| Total Liabilities and Capital | $188.77M |
Securities
| Securities | $13.20M |
| Available-for-sale debt securities | $13.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Bank?
$188.77M as of the latest filing.
How much are Peoples Bank's total deposits?
$167.74M in total deposits.
Where is Peoples Bank located?
Lyons, GA.
What is the Net Interest Margin?
4.31%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
1.79%.
How much are total loans and leases?
$107.00M (latest filing).
What is the total interest income (latest filing)?
$2.77M.