Total Assets
$786M
Total balance-sheet footings
FDIC Cert #57923 · Gainesville, Georgia · Est. 2005
Peach State Bank & Trust - FDIC Bank Health Profile
A community-scale look at Peach State Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $786M
- Total assets
- A
- Health grade · Excellent
- 1.36%
- Return on assets
- 14.2%
- Tier 1 capital
Data updated July 2026
The verdict
Peach State Bank & Trust earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.18% Tier 1, profitable at 1.36% ROA, efficient (54% cost ratio).
- #1,276
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 14.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 67th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Peach State Bank & Trust's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Peach State Bank & Trust's composite health score
Tier 1 Capital Ratio (14.18%) 35/40
Return on Assets (ROA) (1.36%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (53.97%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$712M
Customer-funded liabilities
Net Loans
$503M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peach State Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peach State Bank & Trust's score of 87/100 falls in the highlighted band.
Peach State Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peach State Bank & Trust's $786M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.18%
Texas Ratio
0.00%
Equity Capital
$70M
Profitability metrics
Return on Assets (ROA)
67th percentile nationally
1.36%
Return on Equity (ROE)
14.42%
Efficiency Ratio
53.97%
What the numbers say about Peach State Bank & Trust
Peach State Bank & Trust is an FDIC-insured institution (Certificate #57923) headquartered in Gainesville, Georgia, established in 2005. It holds $786M in total assets - 1,276th of 4,313 FDIC-insured banks, $712M in customer deposits, and $503M in net loans. Its capital position: a Tier 1 ratio of 14.18%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Peach State Bank & Trust sits 19th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$40M
Interest Income
$2M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peach State Bank & Trust reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peach State Bank & Trust (FDIC Cert #57923) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Peach State Bank & Trust's health grade?▼
Peach State Bank & Trust receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Peach State Bank & Trust?▼
Peach State Bank & Trust holds $786M in total assets and $712M in deposits, ranking 1,276th of 4,313 FDIC-insured banks by asset size. It is headquartered in Gainesville, Georgia.
Is my money safe at Peach State Bank & Trust?▼
Yes, deposits at Peach State Bank & Trust (Certificate #57923) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peach State Bank & Trust's Tier 1 Capital Ratio?▼
Peach State Bank & Trust has a Tier 1 Capital Ratio of 14.18%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Peach State Bank & Trust?▼
Peach State Bank & Trust has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Peach State Bank & Trust?▼
Peach State Bank & Trust has an Efficiency Ratio of 53.97%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Peach State Bank & Trust's profile as a depositor or analyst.
- Peach State Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peach State Bank & Trust against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.