This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Talbotton, GA
Health score
84.9
Total assets
$252.3M
Bank
Waycross, GA
Health score
73.5
Total assets
$242.2M
Answer first
The Peoples Bank of Georgia leads on financial health and profitability and growth; Waycross Bank & Trust leads on capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Peoples Bank of Georgia
Higher TFS health score
Capitalization
Waycross Bank & Trust
Higher comparable capital ratio
Profitability
The Peoples Bank of Georgia
Higher return on assets
Lending quality
Waycross Bank & Trust
Lower problem-loan measure
Growth
The Peoples Bank of Georgia
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | The Peoples Bank of Georgia | Waycross Bank & Trust |
|---|---|---|
| TFS health score | 84.9/100Leads | 73.5/100 |
| Total assets | $252.3M | $242.2M |
| Total deposits / shares | $219.3M | $217.3M |
| Tier 1 capital ratio | 9.65% | 12.15%Leads |
| Return on assets | 1.59%Leads | 1.30% |
| Return on equity | 18.20%Leads |
The Peoples Bank of Georgia
4 branches
Waycross Bank & Trust
1 branches
Both institutions report branches in 1 state: GA.
The Peoples Bank of Georgia
Unavailable
Waycross Bank & Trust
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
The Peoples Bank of Georgia
0 in TFS registry
Waycross Bank & Trust
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | The Peoples Bank of Georgia score | The Peoples Bank of Georgia ROA | Waycross Bank & Trust score | Waycross Bank & Trust ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.29% | — | 0.94% |
| 2024-Q4 | — | 1.27% | — | 0.90% |
| 2025-Q1 | — | 1.33% | — | 1.29% |
| 2025-Q2 | — | 1.50% | — | 1.27% |
| 2025-Q3 | — | 1.52% | — | 1.26% |
| 2025-Q4 | — | 1.54% | — | 1.26% |
| 2026-Q1 | 83.7/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 15.13% |
| Non-performing loans | 0.32% | 0.25%Leads |
| Net charge-offs | 0.02% | -0.00%Leads |
| Efficiency ratio | 56.34%Leads | 63.12% |
| Loan-to-deposit ratio | 94.31% | 56.49% |
| Asset growth (YoY) | 17.31%Leads | -3.15% |
| Deposit / share growth (YoY) | 12.20%Leads | -4.96% |
| Branches | 4 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.55% |
| 73.7/100 |
| 1.28% |
| 2026-Q2 | 84.9/100 | 1.59% | 73.5/100 | 1.30% |