Peach State Bank & Trust
Gainesville, GA
IDRSSD: 3348468
Total Assets
$734.93M
Latest filing
Total Deposits
$655.52M
Latest filing
Net Interest Margin
4.07%
Profitability
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 11/14/2025Established 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 | 11/14/2025 |
| CERT | 57923 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $734.93M |
| Total Deposits | $655.52M |
| Total Liabilities | $659.92M |
| Total Equity Capital | $75.01M |
| Net Income | $2.61M |
| Net Loans and Leases | $497.93M |
| Assets Per Employee ($Millions) | $9.42M |
| Bank Premises and Fixed Assets | $17.10M |
| Cash and Balances due from Depository Institutions | $50.70M |
| Deposits Held in Domestic Offices | $655.52M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 14.28% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 53.63% |
| Tier 1 Risk-Based Capital Ratio | 15.724% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.207% |
| Earning Assets to total Assets | 94.05% |
Income and Expense
| Total Interest Income | $10.32M |
| Total Noninterest Income | $657.00k |
| Total Interest Expense | $3.31M |
| Total Noninterest Expense | $4.12M |
| Net Interest Income | $7.01M |
| Pre-tax Net Operating Income | $3.46M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $4.40M |
| Total Liabilities and Capital | $734.93M |
Securities
| Securities | $151.73M |
| Available-for-sale debt securities | $151.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$734.93M as of the latest filing.
How much are Peach State Bank & Trust's total deposits?
$655.52M in total deposits.
Where is Peach State Bank & Trust located?
Gainesville, GA.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
3.
When was it established?
04/27/2005.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$497.93M (latest filing).
What is the total interest income (latest filing)?
$10.32M.