PEACH STATE BANK & TRUST

GAINESVILLE, GA | Medium | Est. April 27, 2005, midnight | FDIC #57923 | RSSD #3348468 | FDIC
Latest Report: 2025-12-31

PEACH STATE BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in GAINESVILLE, GA, established in April 27, 2005, midnight. As of 2025-12-31, the bank reported total assets of $786M and total deposits of $712M. Profitability stands at 1.65% ROA and 17.27% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 14.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #57923.

Assets

$786M

Deposits

$712M

Loans

$509M

Equity

$70M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 17.27%
Net Interest Margin (NIM) 4.19%
Yield on Assets 6.02%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 14.18%
Tier 1 Capital 14.18%
Total Capital Ratio 15.34%
Leverage Ratio 9.69%
Loan-to-Deposit 71.49%

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