Total Assets
$1.2B
Total balance-sheet footings
FDIC Cert #21292 · Colquitt, Georgia · Est. 1973
PeoplesSouth Bank - FDIC Bank Health Profile
A community-scale look at PeoplesSouth Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.2B
- Total assets
- B
- Health grade · Good
- 1.42%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
PeoplesSouth Bank earns a PlainBankData health grade of B (66/100), with 9.94% Tier 1 capital, profitable at 1.42% ROA, efficient (52% cost ratio).
- #913
- largest of 4,313 FDIC banks by assets
- 79th
- percentile by asset size, nationally
- 9.94%
- Tier 1 ratio - below the 10% well-capitalized line
- 70th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How PeoplesSouth Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
PeoplesSouth Bank's composite health score
Tier 1 Capital Ratio (9.94%) 18/40
Return on Assets (ROA) (1.42%) 20/25
Texas Ratio (10.18%) 16/20
Efficiency Ratio (52.29%) 12/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$804M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where PeoplesSouth Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. PeoplesSouth Bank's score of 66/100 falls in the highlighted band.
PeoplesSouth Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). PeoplesSouth Bank's $1.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.94% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.94%
Texas Ratio
10.18%
Equity Capital
$72M
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
25.60%
Efficiency Ratio
52.29%
What the numbers say about PeoplesSouth Bank
PeoplesSouth Bank is an FDIC-insured institution (Certificate #21292) headquartered in Colquitt, Georgia, established in 1973. It holds $1.2B in total assets - 913th of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $804M in net loans. Capital-wise, the Tier 1 ratio sits at 9.94%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 10.18%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
PeoplesSouth Bank sits 13th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$65M
Interest Income
$4M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. PeoplesSouth Bank reports a Texas Ratio of 10.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) PeoplesSouth Bank (FDIC Cert #21292) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is PeoplesSouth Bank's health grade?▼
PeoplesSouth Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is PeoplesSouth Bank?▼
PeoplesSouth Bank holds $1.2B in total assets and $1.1B in deposits, ranking 913th of 4,313 FDIC-insured banks by asset size. It is headquartered in Colquitt, Georgia.
Is my money safe at PeoplesSouth Bank?▼
Yes, deposits at PeoplesSouth Bank (Certificate #21292) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is PeoplesSouth Bank's Tier 1 Capital Ratio?▼
PeoplesSouth Bank has a Tier 1 Capital Ratio of 9.94%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for PeoplesSouth Bank?▼
PeoplesSouth Bank has a Texas Ratio of 10.18%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is PeoplesSouth Bank?▼
PeoplesSouth Bank has an Efficiency Ratio of 52.29%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read PeoplesSouth Bank's profile as a depositor or analyst.
- PeoplesSouth Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare PeoplesSouth Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.