Peach State Bank & Trust

BankGainesville, Georgia
www.peachstate.bank

Total Assets

$786.1M

Total Deposits

$711.6M

Branches

3

Established

2005

TFS Health Grade

$
C+

77.8 / 100

Average financial health

How we grade

Peach State Bank & Trust is a bank headquartered in Gainesville, Georgia, established in 2005. With $786.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C+ (77.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.69%(8%)
Total Capital Ratio
15.34%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.36%(1%)
Return on Equity (ROE)
14.42%(10%)
Net Interest Margin
3.84%
Efficiency Ratio
53.97%(60%)

Lending & Liquidity

Total Loans
$508.8M
Loan-to-Deposit Ratio
70.66%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+5.73%
Deposit Growth (YoY)
+5.51%
Net Income
$10.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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