Persons Banking Company

Established in 1910

About Persons Banking Company

Persons Banking Company was established on 1910. The bank's headquarters are located at 88 North Lee Street in Forsyth, Georgia.

Persons Banking Company is an FDIC insured bank with FDIC number 17089 managing assets to the value of $386,354 as of 12/31/2020.

Persons Banking Company has a Texas ratio of 11.30%.
The bank Texas Ratio is an indicator of the bank's health developed at RBC Capital Markets to measure a financial institution's credit troubles. The lower the Texas Ratio, the healthier the bank.

About the Bank

11.30%
Texas Ratio
FDIC Certificate #

17089

Active Insured Since #

Financial Profile

Dollar figures in thousands (000's)

As of 12/31/2020
Total Assets $386,354
Equity Capital $24,931
Total Deposits $360,916
Total Liabilities $361,423
Total Securities $121,112
Net Loans And Leases $207,793
Loan Loss Allowance $2,270
Total Loans And Leases $210,123
YTD (as of 12/31/2020)
Return On Assets 0.47%
Return On Equity 6.98%
Total Interest Income $13,293
Total Interest Expense $935
Total Non Interest Income $1,668
Total Non Interest Expense $12,249

Headquarters

88 North Lee Street 31029, Forsyth

Persons Banking Company branches near me

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Total Loans and Leases Statistics

Total Loans and Leases $210,123 In thousands (000's) * All data provided by fdic.gov updated 12/31/2020

Persons Banking Company Mortgage Loans Profile

Classic Bank

62.12%

Application Approval Rate

Classic Bank

$126,707

Average Mortgage Loan Amount

Classic Bank

66

Number of Loan Applications

Classic Bank

$128,962

Average Income of Applicants with Approved Loans

Classic Bank

0.00%

Average Cost of Loans

Classic Bank

0.00%

Average Debt to Income Ratio

* All data provided by the Home Mortgage Disclosure Act, at cfpb.gov updated 12/31/2019

Distribution of Mortgage Loans

Top Counties by Number of Mortgage Loan Applications

1 Houston

Number of Loan Applications
26
Average Loan Amount
$140,333
Approval Rate
57.69%
Average Income of Approved Loans’ Applicants
$218,000

2 Newton

Number of Loan Applications
13
Average Loan Amount
$73,889
Approval Rate
69.23%
Average Income of Approved Loans’ Applicants
$89,625

3 Monroe

Number of Loan Applications
12
Average Loan Amount
$135,000
Approval Rate
58.33%
Average Income of Approved Loans’ Applicants
$78,333

4 Rockdale

Number of Loan Applications
4
Average Loan Amount
$75,000
Approval Rate
25.00%
Average Income of Approved Loans’ Applicants
$223,000

5 Spalding

Number of Loan Applications
3
Average Loan Amount
$95,000
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$141,667

6 Bibb

Number of Loan Applications
3
Average Loan Amount
$230,000
Approval Rate
66.67%
Average Income of Approved Loans’ Applicants
$0

Top States by Number of Mortgage Loan Applications

1 Georgia

Number of Loan Applications
66
Average Loan Amount
$126,707
Approval Rate
62.12%
Average Income of Approved Loans’ Applicants
$128,962