Peoples Bank & Trust
Buford, GA
IDRSSD: 109136
Total Assets
$547.83M
Latest filing
Total Deposits
$494.82M
Latest filing
Net Interest Margin
3.60%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061103153BUFORD, GA
Key People
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Locations
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Main Office
Peoples Bank & Trust
1899 Buford Hwy
Buford, GA 30518
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/13/1984FDIC Certificate 32024
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Peoples Bank & Trust (Main) | 1899 Buford Hwy | Buford, GA | ||
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 | 12/13/1984 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30518 |
| State and County Number | 13135 |
| 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 | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/13/1984 |
| Primary Insurance Agency | DIF |
| Website | www.peoplesbanktrust.com |
| Data Updated | 01/30/2026 |
| CERT | 25795 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $547.83M |
| Total Deposits | $494.82M |
| Total Liabilities | $498.48M |
| Total Equity Capital | $49.34M |
| Net Income | $1.92M |
| Net Loans and Leases | $256.56M |
| Assets Per Employee ($Millions) | $10.74M |
| Bank Premises and Fixed Assets | $3.02M |
| Cash and Balances due from Depository Institutions | $41.59M |
| Deposits Held in Domestic Offices | $494.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.39% |
| Return on Equity (ROE) | 15.65% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 51.51% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 9.007% |
| Earning Assets to total Assets | 94.66% |
Income and Expense
| Total Interest Income | $6.68M |
| Total Noninterest Income | $222.00k |
| Total Interest Expense | $1.96M |
| Total Noninterest Expense | $2.55M |
| Net Interest Income | $4.73M |
| Pre-tax Net Operating Income | $2.40M |
| 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 | $3.66M |
| Total Liabilities and Capital | $547.83M |
Securities
| Securities | $225.12M |
| Available-for-sale debt securities | $131.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $93.47M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Bank & Trust?
$547.83M as of the latest filing.
How much are Peoples Bank & Trust's total deposits?
$494.82M in total deposits.
Where is Peoples Bank & Trust located?
Buford, GA.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
1.
When was it established?
12/13/1984.
What is the Return on Assets (ROA)?
1.39%.
How much are total loans and leases?
$256.56M (latest filing).
What is the total interest income (latest filing)?
$6.68M.