B
PeoplesSouth Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings PeoplesSouth Bank
Colquitt, GA
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Rating B
Asset Quality Index 5.90
Capitalization Index 9.40
Liquidity Index 3.50
Profitability Index 7.20
Stability Index 6.00
Company Info PeoplesSouth Bank
Colquitt, GA
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FDIC Number 21292
Phone Number (229) 758-5511
Website www.peoplessouth.com
Asset Quality PeoplesSouth Bank
Colquitt, GA
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1-Year Asset Growth 2.46%
5-Year Asset Growth 7.42%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 1.17%
Non-Performing Loans to Capital 9.07%
Non-Performing Loans to Loans 1.51%
Balance Sheet PeoplesSouth Bank
Colquitt, GA
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Total Assets 1.17B
Total Deposits 1.09B
Capital and Reserves PeoplesSouth Bank
Colquitt, GA
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Capital 71.90M
Leverage Ratio 10.57
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio --
Liquidity PeoplesSouth Bank
Colquitt, GA
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Hot Money Ratio 34.04%
Liquidity Ratio 22.35%
Profitability PeoplesSouth Bank
Colquitt, GA
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5-Year Return on Average Assets 1.30%
Net Income 11.88M
Net Interest Spread 3.84%
Operating Profit to Average Assets 1.83%
Overhead Efficiency Ratio 53.74%
Return on Assets 1.39%
Return on Equity 25.97%