# PEOPLES BANK
LYONS, GA · FDIC certificate 15216 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $192.4M | |
| Deposits | $170.3M | |
| Loans and leases | $114.9M | |
| Total equity | $21.0M | |
| Loans / deposits | 66.41% (p39 of band) | 73.59% |
| Liquid assets / assets | 39.02% (p62 of band) | |
| Uninsured deposits / deposits | 29.76% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.18% (p42 of band) | 11.76% |
| Unrealized securities loss / equity | -1.37% (p74 of band) | -6.57% |
| AOCI / equity | -0.78% (p33 of band) | |
| ROA (annualized) | 1.24% (p55 of band) | 1.17% |
| Net interest margin | 4.01% (p55 of band) | 3.93% |
| Efficiency ratio | 57.33% (p28 of band) | |
| Noncurrent loans | 5.12% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 31.14% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 28.88% (p63 of band) | |
| Auto loans | $1.3M (1.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | losing money, expense ratio p90 |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 6 | charge-offs p90 |  |
| 2012-09 | 5 |  | uninsured deposits leaving |
| 2012-12 | 4 |  | charge-offs p90 |
| 2013-03 | 2 |  | deposits shrinking, assets shrinking |
| 2013-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 | reserve under noncurrent | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, charge-offs p90 |  |
| 2020-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-28 [Peoples Bank & Trust Reaffirms Four Decades of Local Banking - EIN News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPc1FxRGl4WXhwT3lmdVBUR184S0F6ckl5eVN0NkJKUWNuZkNEV2tQYm9GVHlJVk03Nkd2VGxGWXJjXzBpdHQ5MU1rRXBZcUdFek9PaUZMS2dRczRiT2RrWlhoS290Rl9GTnNJbWFZNi0zSGJIZVE3bVVtOHVwSG5oYXRjU3l4TmRJVzg0V2JZYmxvN2RBT3JtYVRkZDhhWko3X0E?oc=5) · EIN News
- 2026-04-27 [Ohio’s Peoples Bank to expand in Kentucky - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPM3ZFNWp5b1RhcFVOOHVUTWdDczFXaEt6RXFzbDJqaTlHTVluMUNJb21MMUd5bWVPbFRyOVE2akVVdmtnOEw1aTRHb3JhZGJoUElXbURDT1hxcVR1VnBKcmF6UEN0MUpaQkJoeWV4NEh5ejBCVEZ2YUl6WkFQMGVjUHEyZ1ljZnoz?oc=5) · Banking Dive
- 2026-02-28 [First Peoples Bank expands into LaGrange - LaGrange Daily News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZTVqdHZVRWVyUEJEa3FVaV9BeGd4RURBVnVKR0s3UEZlaFJyZmJETDh6NHBPV3B5cE1pZkRpZWEwZGsyS1pkVWRiSmo2ZXlXYVl4eEN5ZGVQd0Z4M3RXc2p5NmdlSFFNa2RyQWY1YXhRcHA0enVPRlpRN1VHVGNpeFJJVV9Ed2RGTWlr?oc=5) · LaGrange Daily News
- 2026-07-27 [People Bank of East Tennessee undergoing name change - The Advocate & Democrat](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWlZHcjJxTWFWdG1HSlJUbGpWWHoyMThGUXpsZnZ5QjVJSVZXbUdhbWM0T01qQnByczhPSFlhTlk3QkExWG1FenpxM0UzMWpKd2pFU1VrUTV1OFYwa1lDYkNNWGJ3YktlRkFlUmlCMG81akJGdE1uY3BVNUxhS3VaanN6dzJjQVlQNk8wb2wtS1NoXzVE?oc=5) · The Advocate &amp; Democrat
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-08-01 [Peoples Bank of Newton names Cable as next CEO - Business North Carolina](https://news.google.com/rss/articles/CBMiekFVX3lxTE5TaFBubGtsNFdFdkxidFpIR0loVENHVmNaLXZXOEtUWEYwOVpXNlkwQkFuM3NYX1o4TkJjdUdBUVRiVzVmNjhHcUJBQ1FMQlFKU2l6RnQzQ1JsM2FZN0V4UXozS2xQRkxCTFgzZnNfVWdjZzc1aUJ5bnVB?oc=5) · Business North Carolina
- 2026-07-21 [First Financial Bank acquiring 116-year-old Peoples Bank - nwitimes.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQNldNeUx0TUtRRXJOTGhJaGlQeENPWUZPYVc0Y1RvV3dMZWNxU3k5ZEY0aW15VzFFZHZONVZNdXU2QkpqMlpXSHJCT2lQc0dHZnpZdFgyTS1jZ3hrSTNmbGZMRzNQNVY4SWlsQVJlY1hTd2JFei0tRWVqdGdPZkZRUk1ObUZuYlV1?oc=5) · nwitimes.com
- 2021-11-11 [Buford-based Peoples Bank & Trust to merge with Georgia Banking Company of Atlanta - North Gwinnett Voice](https://news.google.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?oc=5) · North Gwinnett Voice

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15216 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "15216", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide