1.65%
+11.4%y/y
Peer standing78th percentile
FDIC
NETINC + ROAPB
PeoplesSouth Bank
Colquitt, GeorgiaFDIC Cert #21292
STATEEstablished 197333 branches
Holding company: PEOPLESSOUTH BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
26.57%
−11.3%y/y
Peer standing97th percentile
FDIC
NETINC + ROE2.15%
+10.9%y/y
Peer standing86th percentile
FDIC
PTAXNETINC + ASSET4.21%
+8.3%y/y
Peer standing79th percentile
FDIC
NIM + NIMY6.03%
+2.1%y/y
Peer standing77th percentile
FDIC
INTINCY2.27%
−11.2%y/y
Peer standing71st percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
49.66%
−7.2%y/y
Peer standing82nd percentile
FDIC
NONIX + NIM + NONII + EEFFR2.13%
−4.3%y/y
Peer standing73rd percentile
FDIC
NONIX + ASSET7.45%
−39.9%y/y
Percentile by value17th percentileby value
FDIC
NONII + NIM+7.57%
+331.4%y/y
Percentile by value67th percentileby value
FDIC
ASSET+6.48%
+2,906.2%y/y
Percentile by value61st percentileby value
FDIC
DEP+9.84%
+37.6%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.65%78th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE26.57%97th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.21%79th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.66%82nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+6.48%61st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+9.84%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.93%29th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.80%56th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.27%71st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.65%61st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 1.53%90th 2.40%Observations 128
ROE
FDIC
NETINC + ROE26.57%98th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.24%Median 14.35%90th 21.49%Observations 128
NIM
FDIC
NIM + NIMY4.21%41st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.41%Median 4.46%90th 5.37%Observations 128
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.66%78th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.00%Median 59.09%90th 85.17%Observations 128
Deposits YoY
FDIC
DEP+6.48%56th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.29%Median +5.23%90th +19.07%Observations 127
Loans YoY
FDIC
LNLSNET+9.84%54th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.48%Median +8.97%90th +23.88%Observations 126
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.93%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.44%90th 2.07%Observations 126
Leverage
FDIC
RBC1AAJ10.80%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 11.22%90th 15.62%Observations 128
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.27%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.30%90th 3.10%Observations 127
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 174%90th 268%Observations 85
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.65%63rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.76%Median 1.48%90th 2.42%Observations 9
ROE
FDIC
NETINC + ROE26.57%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.99%Median 14.92%90th 24.67%Observations 9
NIM
FDIC
NIM + NIMY4.21%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 4.04%Median 4.41%90th 4.68%Observations 9
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.66%63rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.52%Median 59.10%90th 77.45%Observations 9
Deposits YoY
FDIC
DEP+6.48%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +4.10%Median +6.50%90th +12.75%Observations 9
Loans YoY
FDIC
LNLSNET+9.84%38th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.38%Median +10.87%90th +12.56%Observations 9
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.93%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.23%Median 0.55%90th 0.97%Observations 9
Leverage
FDIC
RBC1AAJ10.80%63rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.53%Median 10.17%90th 11.95%Observations 9
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.27%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.52%Median 2.27%90th 2.97%Observations 9
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 154%Median 234%90th 286%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.