Peach State Bank & Trust
Peach State Bank & Trust is a locally rooted FDIC-insured community bank based in Gainesville, GA. On its most recent Q1 2026 call report, Peach State Bank & Trust reported $789M in total assets against $713M in deposits. Profitability is strong — 1.31% ROA, paired with 14.58% ROE and a 3.75% net interest margin. Capital cushions are healthy: 15.11% CET1, 9.69% Tier 1 leverage. Asset quality is pristine — 0.00% NPLs and a 0.00% Texas Ratio. 3 branches make up the footprint.
Headquarters Profile
- Address
- 121 E E Butler Pkwy, GAINESVILLE, GA 30501
- County
- Hall
- Metro Area
- GAINESVILLE, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- April 27, 2005
- Branches
- 3 domestic
- Employees (FTE)
- 76
- FDIC Cert
- 57923
- Fed RSSD
- 3348468
- Website
- www.peachstate.bank →
- Parent Holding Company
- PEACH STATE BANCSHARES, INC. (RSSD 5010479)
Capital & Liquidity
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Peach State Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Peach State Bank & Trust
What are Peach State Bank & Trust's total assets?
As of the Q1 2026 filing, Peach State Bank & Trust reported total assets of $789.3 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 15.11% 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 3 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.
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