🏦Bank Scorer

THE PEOPLES BANK OF GEORGIA

TALBOTTON, GA · Supervised by FDIC

Est. 1891FDIC #170RSSD: FDIC-170
Satisfactory Same

Current rating · Exam: January 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.55%

Is this bank safe?

THE PEOPLES BANK OF GEORGIA holds a Satisfactory CRA rating (2021), is financially strong (ROA +1.55%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

26 W Monroe St, TALBOTTON, GA

County

Talbot County

Established

January 1, 1891

Total Assets

$243M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$243M

Total Deposits

$219M

Net Loans

$191M

Net Income

$928K

ROA

1.55%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.79%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.55%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate7.69%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$195M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416981.07%7.69%
202319577.95%8.72%
202219882.32%9.09%
202123581.28%6.38%
202019665.31%13.78%
201913961.15%21.58%
201813170.99%12.21%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 2021SatisfactorySmall Bank
Apr 2015SatisfactorySmall Bank
Apr 2009SatisfactorySmall Bank

4 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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