Peoples Bank
Peoples Bank serves Lyons, Georgia with comprehensive community banking services. The bank provides personal and business banking with 24-hour telephone banking and traditional lobby services Monday through Friday.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (22 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Peoples Bank ranks #122 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Peoples Bank’s 7(a) acquisition lending falls in the $0-$500K range: 11 loans, 50.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 11 | 50.0% | |
| $500K-$1M | 7 | 31.8% | |
| $1M-$2M | 3 | 13.6% | |
| $2M-$3M | 1 | 4.5% |
Industries with highest loan volume
Full-Service Restaurants
3
loans
$384K
avg. amount
Pet Care (except Veterinary) Services
3
loans
$473K
avg. amount
All Other Specialty Trade Contractors
2
loans
$578K
avg. amount
Electrical Contractors and Other Wiring Installation Contractors
2
loans
$348K
avg. amount
Structural Steel and Precast Concrete Contractors
1
loans
$1.5M
avg. amount
Frozen Specialty Food Manufacturing
1
loans
$1.4M
avg. amount
Office Machinery and Equipment Rental and Leasing
1
loans
$2.5M
avg. amount
Gasoline Stations with Convenience Stores
1
loans
$1.4M
avg. amount
Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers
1
loans
$725K
avg. amount
Sporting Goods Retailers
1
loans
$900K
avg. amount
10-Year
1.3%
Percentile Ranking
85th
85th percentile
Peoples Bank’s median variable rate is + 1.00%, against a market median of Prime + 1.88%, 88 below market.
It priced below the market median in 2 of the last 3 quarters. 6 of the 22 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.83% |
| $500K-$1M | Prime + 0.50% |
| $1M-$2M | Prime + 0.50% |
| $2M-$3M | Prime + 0.00% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '20 | Prime + 2.00% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 8 |
| Q4 '20 | Prime + 2.00% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 3 |
| Q3 '21 | Prime + 2.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
Peoples Bank has originated 7(a) acquisition loans in 7 states, most actively in Washington (15), Ohio (2) and West Virginia (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Washington | 15 | 68.2% |
| Ohio | 2 | 9.1% |
| West Virginia | 1 | 4.5% |
| Kentucky | 1 | 4.5% |
| Georgia | 1 | 4.5% |
| Illinois | 1 | 4.5% |
| Indiana | 1 | 4.5% |
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