Peach State Bank & Trust
Gainesville, GA
IDRSSD: 3348468
Total Assets
$786.09M
Latest filing
Total Deposits
$711.60M
Latest filing
Net Interest Margin
4.09%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
061120547GAINESVILLE, GA261174759LAWRENCEVILLE, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peach State Bank & Trust
121 E E Butler Pkwy
Gainesville, GA 30501
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/27/2005FDIC Certificate 431466
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peach State Bank & Trust (Main) | 121 E E Butler Pkwy | Gainesville, GA |
| MESSENGER SERVICE BRANCH | 121 Ee Butler Pkwy | Gainesville, GA |
| BRASELTON BANKING CENTER BRANCH | 1502 Friendship Rd | Braselton, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/27/2005 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30501 |
| State and County Number | 13139 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Gainesville, GA |
Operational Info
| Number of Employees | 78 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/03/2023 |
| Date of Deposit Insurance | 04/27/2005 |
| Primary Insurance Agency | DIF |
| Website | www.peachstate.bank |
| Data Updated | 01/30/2026 |
| CERT | 57923 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $786.09M |
| Total Deposits | $711.60M |
| Total Liabilities | $716.19M |
| Total Equity Capital | $69.90M |
| Net Income | $3.13M |
| Net Loans and Leases | $502.79M |
| Assets Per Employee ($Millions) | $10.48M |
| Bank Premises and Fixed Assets | $17.59M |
| Cash and Balances due from Depository Institutions | $96.92M |
| Deposits Held in Domestic Offices | $711.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 17.27% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 47.59% |
| Tier 1 Risk-Based Capital Ratio | 14.178% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.892% |
| Earning Assets to total Assets | 94.36% |
Income and Expense
| Total Interest Income | $10.53M |
| Total Noninterest Income | $576.00k |
| Total Interest Expense | $3.20M |
| Total Noninterest Expense | $3.77M |
| Net Interest Income | $7.33M |
| Pre-tax Net Operating Income | $4.14M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.59M |
| Total Liabilities and Capital | $786.09M |
Securities
| Securities | $151.84M |
| Available-for-sale debt securities | $151.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peach State Bank & Trust?
$786.09M as of the latest filing.
How much are Peach State Bank & Trust's total deposits?
$711.60M in total deposits.
Where is Peach State Bank & Trust located?
Gainesville, GA.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
3.
When was it established?
04/27/2005.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$502.79M (latest filing).
What is the total interest income (latest filing)?
$10.53M.