Peoples Bank & Trust (Buford, GA)
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank & Trust is an FDIC-insured commercial bank headquartered in Buford, GA, established in 1984 (FDIC certificate 25795), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $563.3M, up 1.7% from Q2 2025, the 32nd largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.81% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25795
- Headquarters
- Buford, GA
- Established
- 1984
- Total assets, Q2 2026
- $563.3M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 10.81%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061103153
- Holding company
- PEOPLES BANKTRUST, INC.
- Asset rank in state
- 32nd of 121 in Georgia
Peoples Bank & Trust runs leaner than most banks of its size. Its balance sheet stood at $563 million at June 30, 2026, up 1.7% from a year earlier; it is based in Buford, Georgia. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 19.6% over the year, 3.6 times the median of 5.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 19.6% and deposits fell 0.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 20% of Tier 1 capital, down from 33% a year earlier.
As of June 30, 2026, Peoples Bank & Trust reported a return on assets of 1.41%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples Bank & Trust is the 32nd largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.3% to $563.3M, loans rose 8.1% and deposits fell 4.4%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 33.5% of total loans, ahead of 1-4 family residential loans at 32.5%. The FDIC Summary of Deposits lists a single office for it, in Buford, GA. Judged on its Q2 2026 call report, Peoples Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1899 Buford Hwy, Buford, GA 30518
- County
- Gwinnett
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 13, 1984
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $505.0M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $570.2M
- Average total loans
- $284.3M
- Average interest-bearing deposits
- $500.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 13, 1984
- FDIC Cert
- 25795
- Fed RSSD
- 109136
- Website
- www.peoplesbanktrust.com →
- Parent Holding Company
- PEOPLES BANKTRUST, INC. (RSSD 3466504)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Peoples Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples Bank & Trust's total assets moved between a low of $521.4M (Q3 2024) and a high of $582.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$563.3M total assets against $554.1M; $509.3M total liabilities against $509.0M.
$292.5M net loans and leases against $244.6M; $505.0M total deposits against $505.0M.
$203.7M securities against $224.1M; $41.9M cash and balances due against $59.9M.
$7.3M total interest income against $6.8M; $1.9M total interest expense against $1.9M.
$5.4M net interest income against $4.9M.
$310K total noninterest income against $279K; $2.6M total noninterest expense against $2.7M.
$0 provision for credit losses against $116K.
$2.0M net income against $1.8M.
1.41% return on assets against 1.34%; 4.07% net interest margin against 3.73%.
10.81% tier 1 leverage ratio against 10.36%.
Inside the full Peoples Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Peoples Bank & Trust rankings
Its closest position to the top of a national ranking is 364 of 3,606, for efficiency ratio; its furthest is 2,796 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.12% (Q3 2024) to 1.43% (Q1 2026) and its net interest margin ran from 3.61% (Q1 2025) to 4.07% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.81% | 1.41% | 0.16% | 0.81% | 4.07% |
| Q1 2026 | 10.73% | 1.43% | 0.43% | 2.21% | 3.79% |
| Q4 2025 | 10.66% | 1.42% | 0.46% | 2.26% | 3.73% |
| Q3 2025 | 10.58% | 1.14% | 0.19% | 0.90% | 3.61% |
| Q2 2025 | 10.36% | 1.34% | 0.19% | 0.98% | 3.73% |
| Q1 2025 | 10.31% | 1.18% | 0.19% | 1.03% | 3.61% |
| Q4 2024 | 10.23% | 1.34% | 0.19% | 1.12% | 3.78% |
| Q3 2024 | 10.15% | 1.12% | 0.20% | 2.37% | 3.68% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank & Trust (main office) | Buford , GA | 30518 | $505.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 50 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $445K approved, $445K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank & Trust
What are Peoples Bank & Trust's total assets?
As of the Q2 2026 filing, Peoples Bank & Trust reported total assets of $563.3 million in its FFIEC call report.
Where is Peoples Bank & Trust headquartered?
It is headquartered in Buford, GA, United States.
When was Peoples Bank & Trust founded?
It was established in 1984, per the FDIC institution directory.
Is Peoples Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25795). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank & Trust?
Peoples Bank & Trust's primary federal regulator is the FDIC.
How many branches does Peoples Bank & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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