Bank Safety Analysis
Is Private Bank & Trust Safe? Gainesville, Georgia
Based on its Q3 2026 call report, Private Bank & Trust meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Private Bank & Trust safe?
On its Q3 2026 call report, Private Bank & Trust's CET1 ratio is 48.92%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 48.92%
- Tier 1 leverage ratio (Q3 2026): 4473.26%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Private Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #59385). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Private Bank & Trust (FDIC Certificate #59385) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Private Bank & Trust passes all 4 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
On CET1 ratio, Private Bank & Trust ranks 3rd highest among the 75 banks headquartered in Georgia, at 48.92% (Q3 2026). Private Bank & Trust's CET1 ratio of 48.92% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 28.96 points (Q3 2026).
By total assets at Q3 2026, Private Bank & Trust is the smallest of the 122 banks headquartered in Georgia. Against the 567 banks with under $100M in assets for Q3 2026, Private Bank & Trust's CET1 ratio of 48.92% is above the 19.96% median, Tier 1 leverage ratio of 4473.26% is above the 12.88% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of -5000.00% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Private Bank & Trust score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Private Bank & Trust trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 48.92% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Private Bank & Trust FDIC insured?
Yes. Private Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #59385). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Private Bank & Trust well capitalized?
On its Q3 2026 call report, Private Bank & Trust's CET1 ratio is 48.92%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Private Bank & Trust's key safety ratios?
For Q3 2026, Private Bank & Trust reports CET1 48.92%, leverage 4473.26%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Private Bank & Trust fails?
For Q3 2026, Private Bank & Trust reported $20.1M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full Private Bank & Trust profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (minimum plus conservation buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200% (our band), concern at 300% (the 2006 interagency guidance level); Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 59385) · FFIEC NIC profile (RSSD 6097196)
Explore: Full Private Bank & Trust profile · Other banks in GA · Metric glossary · How the call report works