PEOPLES BANK & TRUST

BUFORD, GA | Medium | Est. Dec. 13, 1984, midnight | FDIC #25795 | RSSD #109136 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in BUFORD, GA, established in Dec. 13, 1984, midnight. As of 2025-12-31, the bank reported total assets of $548M and total deposits of $495M. Profitability stands at 1.39% ROA and 15.65% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 9.01%. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 2.26%. FDIC Certificate #25795.

Assets

$548M

Deposits

$495M

Loans

$260M

Equity

$49M

Profitability

Return on Assets (ROA) 1.39%
Return on Equity (ROE) 15.65%
Net Interest Margin (NIM) 3.71%
Yield on Assets 5.25%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio -0.21%
Texas Ratio 2.26%
NPA Ratio 0.22%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 9.01%
Tier 1 Capital 9.01%
Total Capital Ratio 9.46%
Leverage Ratio 10.66%
Loan-to-Deposit 52.48%

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