Private Bank & Trust
Private Bank & Trust is an FDIC-insured commercial bank headquartered in Gainesville, GA, supervised by the FDIC, with $39.3M in total assets at Q3 2026, the 122nd largest of 122 banks headquartered in Georgia. It was established in 2026 and holds FDIC certificate 59385. Its CET1 capital ratio was 48.92% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as PB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59385
- Headquarters
- Gainesville, GA
- Established
- 2026
- Total assets, Q3 2026
- $39.3M
- CET1 ratio, Q3 2026
- 48.92%
- Domestic offices
- 1 branch
- Routing number
- 061121559
- Safety and soundness
- Is Private Bank & Trust safe?
- Latest call report
- Q3 2026, FFIEC 051 · Private Bank & Trust call report
- Holding company
- PRIVATE FINANCIAL, INC.
- Asset rank in state
- 122nd of 122 in Georgia
Private Bank & Trust carries far more capital than most banks of its size. Based in Gainesville, Georgia, it had $39 million in assets at September 30, 2026. It funds 4473.26% of its assets with Tier 1 capital, 342.7 times the median of 13.05% for the 526 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.6%).
It lost $765,000 in the quarter.
As of September 30, 2026, Private Bank & Trust reported a CET1 capital ratio of 48.92%, a return on assets of -709.98% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Private Bank & Trust ranks as the smallest of the 122 banks based in Georgia, by total assets at Q3 2026. On its Q3 2026 call report, Private Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 424 Green St Ne, Gainesville, GA 30501
- County
- Hall
- 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
- September 28, 2026
- Domestic offices
- 1 branch
- Employees (FTE)
- 8
- Domestic deposits
- $20.1M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $431K
- Average total loans
- $0
- Average interest-bearing deposits
- $218K
- FDIC-insured since
- September 28, 2026
- FDIC Cert
- 59385
- Fed RSSD
- 6097196
- SEC CIK
- 2157624 → filed by PRIVATE FINANCIAL, INC.
- Website
- www.private.bank →
- Parent Holding Company
- PRIVATE FINANCIAL, INC. (RSSD 6097253)
Profitability
Q3 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
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Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, 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 Private Bank & Trust
What are Private Bank & Trust's total assets?
As of the Q3 2026 filing, Private Bank & Trust reported total assets of $39.3 million in its FFIEC call report.
Where is Private Bank & Trust headquartered?
It is headquartered in Gainesville, GA, United States.
When was Private Bank & Trust founded?
It was established in 2026, per the FDIC institution directory.
Is Private Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59385). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Private Bank & Trust?
Private Bank & Trust's primary federal regulator is the FDIC.
What is Private Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 48.92% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Private 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 Private Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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