The Peoples Bank
Willacoochee, GA
IDRSSD: 575133
Total Assets
$104.25M
Latest filing
Total Deposits
$90.34M
Latest filing
Net Interest Margin
3.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Peoples Bank
6 Fleetwood Ave E
Willacoochee, GA 31650
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/24/1948FDIC Certificate 11128
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Peoples Bank (Main) | 6 Fleetwood Ave E | Willacoochee, GA |
| PEARSON BRANCH | 788 Main St N | Pearson, GA |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 09/24/1948 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31650 |
| State and County Number | 13003 |
| Subchapter S Corporations | Yes |
| 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 | Douglas, 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 | 01/15/1952 |
| Primary Insurance Agency | DIF |
| Website | http://www.thepeoplesbank.com |
| Data Updated | 11/14/2025 |
| CERT | 17073 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $104.25M |
| Total Deposits | $90.34M |
| Total Liabilities | $90.65M |
| Total Equity Capital | $13.60M |
| Net Income | $277.00k |
| Net Loans and Leases | $35.92M |
| Assets Per Employee ($Millions) | $4.17M |
| Bank Premises and Fixed Assets | $702.00k |
| Cash and Balances due from Depository Institutions | $28.35M |
| Deposits Held in Domestic Offices | $90.34M |
Key Performance Ratios
| Return on Assets (ROA) | 1.04% |
| Return on Equity (ROE) | 8.21% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 72.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.045% |
| Earning Assets to total Assets | 94.37% |
Income and Expense
| Total Interest Income | $1.13M |
| Total Noninterest Income | $247.00k |
| Total Interest Expense | $363.00k |
| Total Noninterest Expense | $739.00k |
| Net Interest Income | $769.00k |
| Pre-tax Net Operating Income | $277.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $312.00k |
| Total Liabilities and Capital | $104.25M |
Securities
| Securities | $36.40M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $36.40M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Peoples Bank?
$104.25M as of the latest filing.
How much are The Peoples Bank's total deposits?
$90.34M in total deposits.
Where is The Peoples Bank located?
Willacoochee, GA.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
2.
When was it established?
09/24/1948.
What is the Return on Assets (ROA)?
1.04%.
How much are total loans and leases?
$35.92M (latest filing).
What is the total interest income (latest filing)?
$1.13M.