Peoplessouth Bank (FDIC #21292): Bank Stress & Real-Estate Credit Exposure
Peoplessouth Bank (FDIC Cert #21292): bank stress 71/100, elevated, STABLE over 7 days; parent PEOPLESSOUTH BANCSHARES INC.
Peoplessouth Bank (#21292) lends in 22 counties across 3 states; Peoplessouth Bank (#21292) reaches 161 ZIP codes: Georgia 9 counties, 58 ZIPs; Florida 8 counties, 59 ZIPs; Alabama 5 counties, 44 ZIPs.
Peoplessouth Bank (#21292) largest markets: Bay County, FL (64 branches, 16 ZIPs) (#21292), Jackson County, FL (42 branches, 14 ZIPs) (#21292), Dale County, AL (14 branches, 14 ZIPs) (#21292), Houston County, AL (70 branches, 14 ZIPs) (#21292), Leon County, FL (28 branches, 14 ZIPs) (#21292), Russell County, AL (13 branches, 13 ZIPs) (#21292).
Peoplessouth Bank (#21292) reports $1.21 billion in total assets; Peoplessouth Bank (#21292) equity $78.5 million (6.5% of Peoplessouth Bank (#21292) assets); Peoplessouth Bank (#21292) domestic deposits $1.12 billion; Peoplessouth Bank (#21292) net income $9.2 million; Peoplessouth Bank (#21292) return on assets 1.53%; Peoplessouth Bank (#21292) return on equity 24.34%; Peoplessouth Bank (#21292) net interest income $23.8 million; Peoplessouth Bank (#21292) call report June 30, 2026.
Peoplessouth Bank (#21292) noncurrent real-estate loans 0.05% of its book; Peoplessouth Bank (#21292) net charge-offs on real estate 0.81%; Peoplessouth Bank (#21292) multifamily charge-offs 1.14%; Peoplessouth Bank (#21292) residential charge-offs 0.15%.
Peoplessouth Bank (#21292) net interest margin 4.23% against an eight-quarter Peoplessouth Bank (#21292) average of 3.98% (Peoplessouth Bank (#21292) compression -0.25 points); Peoplessouth Bank (#21292) real-estate loans 5.3% of equity; Peoplessouth Bank (#21292) non-residential real estate 14.8% of equity; Peoplessouth Bank (#21292) rate-exposure score 40/100, Peoplessouth Bank (#21292) fixed-rate trap 40/100; Peoplessouth Bank (#21292) risk type credit driven; Peoplessouth Bank (#21292) rate regime rates elevated, Peoplessouth Bank (#21292) snapshot October 19, 2026.
Peoplessouth Bank (#21292) stress score moved from 67.6 on June 22, 2026 to 70.6 on October 19, 2026; Peoplessouth Bank (#21292) ranged 67.6 to 70.6 over 116 snapshots.
Peoplessouth Bank (#21292) alerts: 22 counties; top Peoplessouth Bank (#21292) alert scores: Macon County, GA 40 (moderate); Dawson County, GA 34 (low); Colquitt County, GA 31 (low); Albany County, GA 24 (low); Americus County, GA 24 (low).