Bank call report · Gainesville, GA
Peach State Bank & Trust Call Report
Filed for the quarter ended (Q2 2026) on the FFIEC 051. Source: FFIEC Central Data Repository.
BankRegReports is independent of Peach State Bank & Trust and never asks for online banking logins or passwords.
Peach State Bank & Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 310 reported line items, schedule by schedule (758 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3348468 |
| FDIC certificate number | 57923 |
| Total assets | $786.0M |
Official Q2 2026 call report PDF (FFIEC) →
Peach State Bank & Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Peach State Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total assets | RCON2170 | $786.0M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $786.0M |
| Total liabilities and minority interest | RCON2948 | $711.3M |
| Total deposits | RCON2200 | $706.7M |
| Loans and leases, net of unearned income - totals | RCONB528 | $523.1M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $517.3M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $506.1M |
| Deposits, noninterest-bearing | RCON6631 | $200.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $156.0M |
| Total equity capital | RCON3210 | $74.8M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $74.8M |
| Interest-bearing balances | RCON0071 | $70.6M |
| Undivided profits and capital reserves | RCON3632 | $34.6M |
| Surplus | RCON3839 | $32.9M |
| Other assets | RCON2160 | $17.6M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $17.3M |
| Common stock | RCON3230 | $11.6M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $6.8M |
| Allowance for loan and lease losses | RCON3123 | $5.9M |
| Other liabilities, total | RCON2930 | $4.6M |
| Accumulated other comprehensive income | RCONB530 | -$4.4M |
| Loans and leases held for sale | RCON5369 | $306K |
| Intangible assets | RCON2143 | $76K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Peach State Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total interest income | RIAD4107 | $21.0M |
| Interest and fee income on loans, total | RIAD4010 | $16.7M |
| Net interest income | RIAD4074 | $14.4M |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $8.7M |
| Total noninterest expense | RIAD4093 | $8.5M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $7.1M |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | $7.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $7.0M |
| Total interest expense | RIAD4073 | $6.6M |
| Income (loss) before discontinued operations | RIAD4300 | $5.4M |
| Net income (loss) | RIAD4340 | $5.4M |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $5.4M |
| Salaries and employee benefits | RIAD4135 | $5.1M |
| Savings deposits (including mmdas) | RIAD0093 | $5.0M |
| Other noninterest expense | RIAD4092 | $2.7M |
| Applicable income taxes | RIAD4302 | $1.6M |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $1.5M |
| Interest income on balances due from depository institutions | RIAD4115 | $1.4M |
| Total noninterest income | RIAD4079 | $1.1M |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $852K |
| Interest on other securities | RIAD4060 | $799K |
| Other noninterest income | RIADB497 | $732K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $702K |
| Expenses of premises and fixed assets | RIAD4217 | $642K |
| Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RIADB488 | $593K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $476K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $429K |
| Net gains (losses) on sales of loans | RIAD5416 | $214K |
| Provision for loan and lease losses | RIAD4230 | -$150K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $147K |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $44K |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $22K |
| Other interest income | RIAD4518 | $17K |
| Amortization expense and impairment losses intangible assets | RIADC232 | $12K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 71 |
Schedule RC-B: Securities (41 items)
About Schedule RC-B · Peach State Bank & Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale amortized cost | RCONG314 | $42.1M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale fair value | RCONG315 | $39.2M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), all other residential MBS - available-for-sale amortized cost | RCONG322 | $3.6M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), all other residential MBS - available-for-sale fair value | RCONG323 | $3.3M |
| Total amortized cost of available-for-sale securities | RCON1772 | $163.6M |
| Pledged securities | RCON0416 | $57.4M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months of less | RCONA549 | $41.1M |
| Amortized cost of available-for-sale U.S. treasury securities | RCON1286 | $35.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $34.2M |
| Fair value of available-for-sale U.S. treasury securities | RCON1287 | $33.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $31.1M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $30.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $28.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $26.8M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing of over ffteen years | RCONA554 | $19.8M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over 15 years | RCONA560 | $16.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $14.3M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA551 | $12.4M |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $10.6M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through 15 years | RCONA559 | $6.7M |
| Asset-backed securities, available-for-sale amortized cost | RCONC989 | $6.7M |
| Total (asset-backed securities) fair value - available-for-sale | RCONC027 | $6.6M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA550 | $4.6M |
| Mortgage-backed securities (MBS), commercial MBS, other commercial MBS, all other commercial MBS, available-for-sale amortized cost | RCONK156 | $4.4M |
| Mortgage-backed securities (MBS), commercial MBS, other commercial MBS, all other commercial MBS, available-for-sale fair value | RCONK157 | $4.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.3M |
| Amortized cost of other available-for-sale domestic debt securities | RCON1739 | $3.2M |
| Fair value of other available-for-sale domestic debt securities | RCON1741 | $3.1M |
| Mortgage-backed securities (MBS), commercial MBS, commercial mortgage pass-through securities, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale amortized cost | RCONK144 | $2.5M |
| Mortgage-backed securities (MBS), commercial MBS, commercial mortgage pass-through securities, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale fair value | RCONK145 | $2.3M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $1.8M |
| Mortgage-backed securities (MBS), commercial MBS, other commercial MBS, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale amortized cost | RCONK152 | $1.5M |
| Mortgage-backed securities (MBS), commercial MBS, other commercial MBS, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale fair value | RCONK153 | $1.5M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA556 | $1.3M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $1.0M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $993K |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through fifteen years | RCONA553 | $977K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA557 | $925K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA558 | $744K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months or less | RCONA555 | $534K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Peach State Bank & Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $523.4M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $159.1M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $127.7M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $97.2M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $89.3M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $88.6M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $81.7M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA569 | $79.3M |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $74.7M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $68.4M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $65.9M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $37.0M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $33.4M |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $29.7M |
| Loans secured by 1-4 family residential construction | RCONF158 | $28.2M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $24.9M |
| Commercial and industrial loans | RCON1766 | $22.8M |
| Pledged loans and leases | RCONG378 | $21.2M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $18.9M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $12.3M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $10.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $8.9M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $6.3M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA575 | $3.7M |
| Real estate loans secured by farmland | RCON1420 | $3.3M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $1.8M |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $1.7M |
| Loans to finance commercial real estate, construction, and land development activities included in items 1766, 1563 for (fr y-9C), in items 1766, 1563 for (FFIEC 031), in items 1766, 1564 for (FFIEC 032 and 033), and in items 1766, 2080 for (FFIEC 034) | RCON2746 | $699K |
| Unearned income on loans | RCON2123 | $638K |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $242K |
| Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper), other revolving credit plans | RCONB539 | $54K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5569 | $37.3M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5575 | $9.4M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5567 | $4.0M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $3.2M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $1.7M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $1.5M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5581 | $416K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $334K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5579 | $39K |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 99 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 67 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5574 | 42 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5572 | 39 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 28 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 8 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 7 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5580 | 3 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5578 | 1 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Peach State Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $411.2M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $386.0M |
| Money market deposit accounts (mmda's) | RCON6810 | $346.3M |
| Total transaction accounts | RCON2215 | $295.5M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $273.7M |
| Total demand deposits (see note below) | RCON2210 | $205.6M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $29.2M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $24.7M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $23.8M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $21.4M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $21.4M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $17.2M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $16.8M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $14.5M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $11.0M |
| Total reciprocal deposits | RCONJH83 | $11.0M |
| Total time deposits of less than $100,000 | RCON6648 | $10.2M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $6.7M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $6.2M |
| Sweep deposits, Fully insured, non-affiliate sweep deposits | RCONMT91 | $5.4M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $5.4M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $4.6M |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $3.7M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three years | RCONHK15 | $2.8M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over one year through three years | RCONHK14 | $2.6M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $2.1M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three years | RCONHK10 | $1.2M |
| Total nontransaction accounts of commercial banks and other depository institutions in the U.S. | RCONB552 | $508K |
| Total transaction accounts - deposits of commercial banks and other depository institutions in the U.S. | RCONB551 | $428K |
| Selected components of total deposits, brokered deposits of 250000 or less (fully insured brokered deposits) | RCONHK05 | $13K |
| Total brokered deposits | RCON2365 | $13K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life insurance assets, general account life insurance assets | RCONK201 | $8.7M |
| Other assets | RCON2168 | $3.7M |
| Accrued interest receivable | RCONB556 | $2.5M |
| Net deferred tax assets | RCON2148 | $2.3M |
| Prepaid expenses | RCON2166 | $849K |
| Historical cost of all other available-for-sale equity securities | RCON1752 | $563K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All other liabilities | RCON2938 | $2.1M |
| Deferred compensation liabilities | RCONC011 | $1.8M |
| Other expenses accrued and unpaid | RCON3646 | $1.7M |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $500K |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $349K |
| Accounts payable | RCON3066 | $234K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Peach State Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $783.7M |
| Quarterly average of total loans | RCON3360 | $510.1M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $343.8M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $287.5M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $196.2M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $95.5M |
| Mortgage-backed securities | RCONB559 | $84.7M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $69.5M |
| All other securities | RCONB560 | $43.6M |
| U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RCONB558 | $39.4M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $26.7M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $25.0M |
| Quarterly average of commercial and industrial loans | RCON3387 | $24.5M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $1.9M |
| Quarterly average of federal funds purchased and securities sold under agreements to repurchase | RCON3353 | $26K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Peach State Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $70.5M |
| Unused commitments - revolving, open-end lines secured by 1-4 family residential properties | RCON3814 | $46.0M |
| Total gross notional amount of interest rate derivative contracts held for purposes other than trading, contracts marked to market | RCON8725 | $19.6M |
| 1-4 family residential construction loan commitments | RCONF164 | $13.8M |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $13.6M |
| Commercial and similar letters of credit | RCON3411 | $1.5M |
| Other unused commitments, all other unused commitments | RCONJ459 | $365K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Peach State Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $16.0M |
| All other intangible assets | RCONJF76 | $76K |
| Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose in agency regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · Peach State Bank & Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing | RCONC236 | $194K |
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $194K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Peach State Bank & Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $783.7M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $707.0M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $492.3M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $208.6M |
| Average tangible equity for the calendar quarter | RCONK654 | $78.1M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $4.2M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $2.0M |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 9,195 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 424 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 136 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 6 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Peach State Bank & Trust regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve - 100% | RCONB704 | $530.0M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Peach State Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $783.7M |
| Average total assets (net of deductions) | RCOAA224 | $783.7M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $530.0M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $85.5M |
| Common equity tier 1 capital | RCOAP859 | $79.1M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $79.1M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $79.1M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $74.8M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $44.5M |
| Retained Earnings | RCOAKW00 | $34.6M |
| General loan and lease valuation allowances | RCOA5310 | $6.4M |
| Tier 2 (supplementary) capital | RCOA5311 | $6.4M |
| Tier 2 capital before deductions | RCOAP870 | $6.4M |
| Less, net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP844 | -$5.6M |
| Accumulated other comprehensive income | RCOAB530 | -$4.4M |
| Accumulated net gains (losses)on cash-flow hedges (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP846 | $1.2M |
| Intangible assets (other than goodwill and mortgage servicing assets (msas)), net of associated dtls | RCOAP842 | $76K |
| Less, deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.B, 11, 13 through 17 and certain elements of item 24 - see instructions) | RCOAP875 | $76K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.1612 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1492 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1492 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.1009 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.0812 |
Schedule RC-R, Part II: Risk-Weighted Assets (46 items)
About Schedule RC-R, Part II · Peach State Bank & Trust risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $530.0M |
| Total risk-weighted assets | RCONG641 | $530.0M |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $396.8M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $396.8M |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $332.6M |
| Total loans and leases, net of unearned income, all other exposures | RCONS457 | $300.8M |
| Loans and leases, net of unearned income, all other exposures - 100 pct risk weight category | RCONS462 | $295.6M |
| Total loans and leases, net of unearned income, residential mortgage exposures | RCONS439 | $222.4M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $221.2M |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $221.2M |
| Loans and leases, net of unearned income, residential mortgage exposures - 50 pct risk weight category | RCONS442 | $220.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $156.0M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $132.6M |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $132.6M |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $117.4M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $113.2M |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $113.0M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $110.6M |
| Available-for-sale securities - 20 pct risk weight category | RCOND968 | $106.1M |
| Total cash and balances due from depository institutions | RCOND957 | $77.4M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $71.2M |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $58.7M |
| Unused commitments, original maturity exceeding one year - 100 pct risk weight category | RCONG629 | $58.7M |
| Available-for-sale securities - 0 pct risk weight category | RCOND967 | $54.3M |
| Total all other assets | RCOND981 | $35.0M |
| All other assets - 100 pct risk weight category | RCOND985 | $31.8M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, face, notional or other amount | RCONS525 | $27.6M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $22.6M |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | -$13.4M |
| Available-for-sale securities - adjustment to totals reported in column a | RCONS402 | -$7.5M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $6.1M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, credit equivalent amount | RCONS526 | $5.5M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, 100% | RCONS530 | $5.3M |
| Loans and leases, net of unearned income, all other exposures - 0 pct risk weight category | RCONS459 | $5.1M |
| Available-for-sale securities - 100 pct risk weight category | RCOND970 | $3.2M |
| Loans and leases, net of unearned income, residential mortgage exposures - 100 pct risk weight category | RCONS443 | $2.0M |
| All other assets - 0 pct risk weight category | RCOND982 | $1.9M |
| Commercial and similar letters of credit with an original maturity of one year or less - face, notional, or other amount | RCONG606 | $813K |
| All other assets - 20 pct risk weight category | RCOND983 | $806K |
| All other assets - 50 pct risk weight category | RCOND984 | $529K |
| Loans and leases held for sale, residential mortgage exposures - 50 pct risk weight category | RCONS416 | $306K |
| Total loans and leases held for sale, residential mortgage exposures | RCONS413 | $306K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, 20% | RCONS528 | $225K |
| Commercial and similar letters of credit with an original maturity of one year or less - 100 pct risk weight category | RCONG611 | $163K |
| Commercial and similar letters of credit with an original maturity of one year or less - credit equivalent amount | RCONG607 | $163K |
| Unused commitments, original maturity exceeding one year - 20 pct risk weight category | RCONG627 | $2K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total equity capital | RIAD3210 | $74.8M |
| Balance end of previous calendar year as restated | RIADB508 | $69.9M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $69.9M |
| Other comprehensive income | RIADB511 | -$495K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Peach State Bank & Trust charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Peach State Bank & Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $6.0M |
| Allowance for loan and lease losses | RIAD3123 | $5.9M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $150K |
Peach State Bank & Trust call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Peach State Bank & Trust financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 57923) · FFIEC NIC profile (RSSD 3348468)