Bank Safety Analysis
Peach State Bank & Trust: final safety record
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Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 3.92% against 3.75%. It was the largest change among the key lines on this page. At 14.92%, Peach State Bank & Trust's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026). From Q3 2023 to Q2 2026, Peach State Bank & Trust's CET1 ratio ranged between 14.18% (Q4 2025) and 15.94% (Q2 2025) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.08% (Q3 2025). Between Q2 2025 and Q2 2026, Peach State Bank & Trust's CET1 ratio fell from 15.94% to 14.92%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets rose from 1.31% to 1.41%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 14.92% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.09% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 53.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.92% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 74.07% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 255.45% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.92% |
| Q1 2026 | 15.11% |
| Q4 2025 | 14.18% |
| Q3 2025 | 15.72% |
| Q2 2025 | 15.94% |
| Q1 2025 | 15.49% |
| Q4 2024 | 15.30% |
| Q3 2024 | 14.85% |
| Q2 2024 | 14.99% |
| Q1 2024 | 15.19% |
| Q4 2023 | 15.62% |
| Q3 2023 | 15.80% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.08% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.02% |
Peach State Bank & Trust by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.92% | 0.00% | 0.00% | 1.41% |
| Mar 31, 2026 | 15.11% | 0.00% | 0.00% | 1.31% |
| Dec 31, 2025 | 14.18% | 0.00% | 0.00% | 1.64% |
| Sep 30, 2025 | 15.72% | 0.01% | 0.08% | 1.41% |
| Jun 30, 2025 | 15.94% | 0.00% | 0.00% | 1.31% |
| Mar 31, 2025 | 15.49% | 0.00% | 0.00% | 1.11% |
| Dec 31, 2024 | 15.30% | 0.00% | 0.00% | 1.39% |
| Sep 30, 2024 | 14.85% | 0.00% | 0.00% | 0.95% |
| Jun 30, 2024 | 14.99% | 0.00% | 0.00% | 0.83% |
| Mar 31, 2024 | 15.19% | 0.00% | 0.00% | 0.86% |
| Dec 31, 2023 | 15.62% | 0.00% | 0.00% | 0.60% |
| Sep 30, 2023 | 15.80% | 0.00% | 0.02% | 0.67% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 57923) · FFIEC NIC profile (RSSD 3348468)
Explore: Full Peach State Bank & Trust profile · Other banks in GA · Metric glossary · How the call report works