Applications / Mortgage Analytics / Lenders / Georgia / The Peoples Bank of Georgia
Talbotton, GA · State non-member bank · FDIC · $235 million assets · 173 loans in 2025
The Peoples Bank of Georgia's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
173
loans originated, 2025
208
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples Bank of Georgia lends small sums, often on manufactured homes, and grew faster than most similar lenders in 2025.
Its typical loan was $105,000, smaller than at more than nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $175,000. Manufactured homes made up 20.8% of its loans, against 2.7% at those peers. Loans on such homes tend to be small, which may explain much of the gap.
It made 173 loans in 2025, up 26% from 137, while similar lenders grew 10%. It has nearly doubled its lending since it first reported in 2018, when it made 93. In Columbus, AL-GA its share rose from 0.3% to 0.5%, ranking it 37 of 318 lenders; Synovus Bank leads there.
Majority-minority neighborhoods took 28.9% of its loans, higher than at more than four in five similar lenders, whose typical share was 6.1%. Its share in low- and moderate-income neighborhoods, 17.5%, was near the middle of its peers. Every loan was conventional.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Peoples Bank of Georgia took 208 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.4% · Refinance 39.9% · Home improvement 5.2% · Other 3.5%
Conventional 100.0% · of 173 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 168 | 97.1% |
| Florida | 3 | 1.7% |
| Alabama | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 63 |
| Atlanta-Sandy Springs-Roswell | 10 |
| Auburn-Opelika | 2 |
| Panama City-Panama City Beach | 2 |
| Gainesville | 1 |
| Macon-Bibb County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007ZX1MGMF18FN43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 272030 | 2018–2023 |
Established 1 January 1891. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: The Peoples Bank of Georgia's data.
The Peoples Bank of Georgia's data
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The Peoples Bank of Georgia and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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