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Peoples Bank

Lyons, GA
IDRSSD: 715032
Total Assets
$192.92M
Latest filing
Total Deposits
$172.10M
Latest filing
Net Interest Margin
3.50%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1931
Community BankYes
Ownership TypeNot Mutual
ZIP30436
State and County Number13279
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameVidalia, GA

Operational Info

Number of Employees26
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/02/1935
Primary Insurance AgencyDIF
Websitewww.ourpeoplesbank.com
Data Updated11/14/2025
CERT15216
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$192.92M
Total Deposits$172.10M
Total Liabilities$173.59M
Total Equity Capital$19.33M
Net Income$-96,000
Net Loans and Leases$102.38M
Assets Per Employee ($Millions)$7.42M
Bank Premises and Fixed Assets$2.78M
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$172.10M

Key Performance Ratios

Return on Assets (ROA)-0.2%
Return on Equity (ROE)-1.96%
Net Interest Margin3.5%
Efficiency Ratio65.5%
Tier 1 Risk-Based Capital Ratio22.238%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets1.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.02%
Earning Assets to total Assets97.02%

Income and Expense

Total Interest Income$2.45M
Total Noninterest Income$170.00k
Total Interest Expense$819.00k
Total Noninterest Expense$1.18M
Net Interest Income$1.63M
Pre-tax Net Operating Income$105.00k
Provision for Credit Losses$515.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$2.72M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.49M
Total Liabilities and Capital$192.92M

Securities

Securities$13.40M
Available-for-sale debt securities$13.40M
Equity securities with readily determinable fair values not held for trading$0
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?
$192.92M as of the latest filing.
How much are Peoples Bank's total deposits?
$172.10M in total deposits.
Where is Peoples Bank located?
Lyons, GA.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
-0.2%.
How much are total loans and leases?
$102.38M (latest filing).
What is the total interest income (latest filing)?
$2.45M.