PEACH STATE BANK & TRUST
PEACH STATE BANK & TRUST is an FDIC-insured commercial bank headquartered in GAINESVILLE, GA, established in 2005. As of , 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 4.03%. CET1 capital ratio: 14.18%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.
Capital & Liquidity
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Peach State Bank & Trust rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.18% | 1.65% | 0.00% | 0.00% | 4.03% |
| 2025-09-30 | 15.72% | 1.43% | 0.00% | 0.00% | 3.97% |
| 2025-06-30 | 15.94% | 1.30% | 0.00% | 0.00% | 3.76% |
| 2025-03-31 | 15.49% | 1.11% | 0.00% | 0.00% | 3.55% |
| 2024-12-31 | 15.30% | 1.40% | 0.00% | 0.00% | 3.35% |
| 2024-09-30 | 14.85% | 0.99% | 0.00% | 0.00% | 3.14% |
| 2024-06-30 | 14.99% | 0.83% | 0.00% | 0.00% | 2.98% |
| 2024-03-31 | 15.19% | 0.86% | 0.00% | 0.00% | 2.94% |
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Frequently asked about PEACH STATE BANK & TRUST
What are Peach State Bank & Trust's total assets?
As of the Q4 2025 filing, Peach State Bank & Trust reported total assets of $786.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peach State Bank & Trust headquartered?
Peach State Bank & Trust is headquartered in GAINESVILLE, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peach State Bank & Trust founded?
Peach State Bank & Trust was established in 2005, per the FDIC institution directory.
Is Peach State Bank & Trust FDIC-insured?
Yes. Peach State Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #57923). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peach State Bank & Trust?
Peach State Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peach State Bank & Trust's CET1 capital ratio?
Peach State Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 14.18% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Peach State Bank & Trust operate?
Peach State Bank & Trust operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peach State Bank & Trust's Texas Ratio?
Peach State Bank & Trust's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.