# PEOPLESSOUTH BANK
COLQUITT, GA · FDIC certificate 21292 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $1.21B | |
| Deposits | $1.12B | |
| Loans and leases | $873.9M | |
| Total equity | $78.5M | |
| Loans / deposits | 77.06% (p27 of band) | 87.10% |
| Liquid assets / assets | 24.21% (p62 of band) | |
| Uninsured deposits / deposits | 18.09% (p14 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.82% (p21 of band) | |
| FHLB advances / assets | 0.82% | |
| Tier 1 leverage | 10.45% (p49 of band) | 10.50% |
| Unrealized securities loss / equity | -88.13% (p1 of band) | -7.75% |
| AOCI / equity | -3.34% (p2 of band) | |
| ROA (annualized) | 1.53% (p71 of band) | 1.26% |
| Net interest margin | 4.23% (p79 of band) | 3.70% |
| Efficiency ratio | 50.92% (p25 of band) | |
| Noncurrent loans | 1.02% (p74 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p36 of band) | |
| Reserve coverage of noncurrent | 128.96% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 181.27% (p99 of band) | |
| Auto loans | $6.7M (0.77% of loans; DQ 4.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 198 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | assets shrinking |  |
| 2012-06 | 0 |  | reserve under noncurrent, assets shrinking |
| 2012-09 | 1 | assets shrinking |  |
| 2012-12 | 0 |  | assets shrinking |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | assets shrinking |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | assets shrinking |
| 2014-09 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 0 |  | capital falling, reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 | capital falling | reserve under noncurrent |
| 2016-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 1 |  | capital falling, charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | reserve under noncurrent |  |
| 2025-12 | 2 |  | reserve under noncurrent |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2022-06-08 [Howard joins PeoplesSouth Bank - Early County News](https://news.google.com/rss/articles/CBMifEFVX3lxTE8xVnp5TkVFR0dpa0dsWHhYMy1HSmhmdlRaM21aS0kwMGtTS0FfWWs5OEktNl9BSFVoNVZrb1Bfa3duTlFTdlJkdGtCeVJKWDZLUEZNMWdqdGU5NVNOSDhtMnBoTkZFNVhNOWk2TG0tRTlmQk1WRUJQUjNkc1Y?oc=5) · Early County News
- 2021-02-22 [PeoplesSouth Bank (GA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxNXzlrby1JSFloWUo3dlZkWGxjbjIxejJNTktyMFZRVVJmSGxCZFg1MmdyUW9NdzFhTkZLSURCNGowMWg5S1lPSHNPQ2k5Z2o5S1ZsWnpHSWVOSkRjQWxkcXExcDFrNG1xM0pxWTNISUpiYXNKS2htZ3BRS3VoTkx5cVVxY1I?oc=5) · SmartAsset
- 2026-09-04 [First National Bank welcomes Anthony Cobb as SVP - The Post-Searchlight](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZjQxZUx0OGFrYUVGcXVTVmNDek55a084RFdIMUtUQUtDREJJT0wwRkl6M1BKZ0NBZmlOSUt1aHhTT08zdUdHMFlpQWFpRzRJNzN4LWJqeGc2MFFpNkhNT1VOZ2t1ZmdRajJOZGplU3lZSlIzX0U1TlBCWjk0VjZoQVZBM0RDX25vNnVVSjlFYi1aaVZTTUE?oc=5) · The Post-Searchlight
- 2019-01-24 [Two arrested in Bainbridge bank robbery - WTXL ABC 27](https://news.google.com/rss/articles/CBMitgFBVV95cUxNN2FlRHFCRTFtd2I1cFZfX0pwOG1Ia25md1ItVGFOSlQ0Zk5KNktscW9fSlZwaFVUWTZYVnR0OU1ZLVJZaWNkSmlXQkh4TS1yTzg2Yno0NzktN2IxVHpSaFdZSkQ5Sjd1MW5QWjdSY1JCNEpBNmh6dncyXzJ5emlYRXZJaXN2a3RndVlaQmFhT050MndOVVBkc3ZXNllGSXhpVy1YT1VKcHRycG9mM0h1cGtyWUMzQQ?oc=5) · WTXL ABC 27
- 2026-04-15 [Rodeo days arrive next weekend - The Donalsonville News](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSXk0ZEwxUnQxS1dNcThaOVRvRE1rV0g1ekc5d2VhUll1cllSUGxOUHhxelQ4a1RYLWRxTmo1ZW5kZVRqaXJVSmpPMEJNQmoybkd6cWhqWHlCUkFqOEV2aXExU09XdmFNeVlPem4wSVdGYU9hMmNXZl9IMDJhTkJYVXhB?oc=5) · The Donalsonville News
- 2019-01-24 [Police identify suspects in Bainbridge bank robbery - WCTV](https://news.google.com/rss/articles/CBMimgFBVV95cUxQb1U4a3JsUVA3M0VDbVI4ekE4Slk1R1ozTXFBSzRxZGl6Qm5Gcm81QVNrZ1J2QWYzOXJ6Slk1Tkt6ZHBPMng3X0NFbGIxbk92bzhwNVVZdlRKWFFUdlppaHRhdUc5eElGdkdxeGVlZGxqbUdYVjVpX1lxMWFLVGRCTVh0TUFXd0RGNEVSYWU4QkljdzlRYzNXczBn?oc=5) · WCTV
- 2014-12-18 [New details of suspect in bank robbery, shooting - WALB](https://news.google.com/rss/articles/CBMijAFBVV95cUxPd25UNUtqM2xhY1ZMWmtNM1VhR1A3TUMxYXpDbFFaU0F5QmtrQW41V3JKLXRDbVdfVGhnVFAybk9xcGZVTlZFeENKbEttOEszQkk4RUQwV3kxdGFyY2ZkeGZJRFMxSWNYRnE2NlhZZW8zSnVzV1p4ZjAxS3FxdllOOVYzdVZJU0hrWUM0ZtIBnwFBVV95cUxNZ3JrN2o2RnJERlpBQlpQc18tUHFBelJtbmo5Vk5kWVgtcGp2U3Z3UzIzNWF5VzNyeVR0UG9XR0dMYmFQdzVvTnJMN3QtMFhBOHBjdHVvcWJEdGRkVUtYZ0ZIZ0FGdWlEQWhEelZnckFXT3c1Z2hvOFRSRFptaFJVRXMyTWxYcUpmQkRkbzdjWHdPNk1OSk95eHdyeDdPUWs?oc=5) · WALB
- 2026-04-24 [It’s time to rodeo! - The Donalsonville News](https://news.google.com/rss/articles/CBMic0FVX3lxTE5wb3V4cEdDZk55VmU1aDBpaFB1czNLaXVhdDBfNUdicGtUSThIZXpEMnRGaWtta1pYa1VfaXdNX3VMM3ZBenljeTdGWTBudU5URlZ5a1h4OTE0VGxQY0NCR0lhZ1pLNUhUYW5RbXRYakJhR2M?oc=5) · The Donalsonville News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21292 (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/44.json (key "21292", 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.

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