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Overview / Commentary
400 U.S. Highway 27 Bypass
Bremen, GA 30110

Peoples Community National Bank is headquartered in Bremen and is the 170th largest bank in the state of Georgia. It is also the 4,949th largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 24 employees at 1 location. Peoples Community National Bank has a B+ health rating.

Reviews (1)

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Peoples Community National Bank has a relatively low asset base.

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Peoples Community National Bank had $2.58 million in non-current loans and owned real-estate with $22.79 million in equity and loan loss allowances on hand to cover it. This gives Peoples Community National Bank a Texas Ratio of 11.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Peoples Community National Bank decreased slightly from 14.84% as of March 31, 2013 to 11.32% as of March 31, 2014, resulting in a positive change of 23.73%.This indicates that the balance sheet and financial strength for Peoples Community National Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Peoples Community National Bank has increased its total deposits by $11.9 million, resulting in 22.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples Community National Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples Community National Bank has $91.14 million in assets with $22.79 million in equity, resulting in a capitalization level of 25.01%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57686
Year Established2004
Employees24
Primary RegulatorOCC
Assets and Liabilities
Assets$91.14 million
Loans$68.38 million
Deposits$64.35 million
Equity Capital$21.49 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$838,000
Real Estate Owned$1.74 million
Historic Data - March 2013
Assets$74.52 million
Equity Capital$20.79 million
Loan Loss Allowance$1.40 million
Unbacked Noncurrent Loans$838,000
Real Estate Owned$2.11 million
Profit Margin - Quarterly
Net Interest Margin4.43%
Return on Assets1.17%
Return on Equity4.7%
Interest Income$1.00 million
Rates

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Locations


Peoples Community National Bank Locations
Peoples Community National Bank400 U.S. Highway 27 BypassBremen, GA 30110