First Peoples Bank
Total assets
$449.4M
▲ +20.1% YoY
Deposits
$379.2M
▲ +19.8% YoY
Loans
$351.2M
▲ +22.5% YoY
Offices
9
FIRST PEOPLES BANKSHARES INC
ROA (annualized)
1.04%
peers 1.24%
ROE (annualized)
8.59%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | First Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.1% | +4.4% | +15.7 pts |
| Deposit growth (YoY) | +19.9% | +4.0% | +15.9 pts |
| Loan growth (YoY) | +22.5% | +5.6% | +16.9 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
Profile
- Established
- 1990
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST PEOPLES BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 105 Chipley St, Pine Mountain, GA, 31822
- County
- Harris
- Metro area
- Columbus, GA-AL
- Offices
- 9
- FDIC cert #
- 33010
- RSSD ID
- 1459799
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $449.4M | $379.2M | $351.2M | $54.2M | $2.3M | 1.04% | 4.85% | 0.09% |
| Q1 2026 | $417.9M | $354.8M | $323.3M | $52.9M | $1.1M | 1.06% | 4.64% | 0.05% |
| Q4 2025 | $444.6M | $383.0M | $301.8M | $51.8M | $4.8M | 1.23% | 4.53% | 0.05% |
| Q3 2025 | $385.2M | $324.8M | $286.9M | $40.4M | $3.6M | 1.26% | 4.55% | 0.06% |
| Q2 2025 | $374.2M | $316.4M | $286.8M | $38.7M | $2.5M | 1.32% | 4.49% | 0.05% |
| Q1 2025 | $376.1M | $329.4M | $283.0M | $37.3M | $1.2M | 1.30% | 4.41% | 0.19% |
| Q4 2024 | $388.7M | $349.4M | $277.8M | $35.5M | $3.6M | 1.06% | 4.36% | 0.19% |
| Q3 2024 | $331.0M | $291.7M | $254.8M | $35.3M | $2.6M | 1.03% | 4.38% | 0.25% |
Loan mix (Q2 2026): real estate $317.4M · commercial $35.6M · consumer $3.2M · securities $32.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | First Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.96% | 88th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 62.9% | 61th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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