Peach State Bank & Trust

Overview / Commentary

www.peachstate.bank

770-536-1100

325 Washington Street
Gainesville, GA 30501

Peach State Bank & Trust is headquartered in Gainesville and is the 54^th largest bank in the state of Georgia. It is also the 2,291^st largest bank in the nation. It was established in 2005 and as of March of 2020, it had grown to 55 employees at 2 locations. Peach State Bank & Trust has an A+ health rating.

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Health

A+

Data as of Q1 2020

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Health Grade Components

Overall
FDIC Certificate #	57923
Year Established	2005
Employees	55
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	7.18%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2020vs Q1 2019	$287.4MM$231.6MM
Loans	Q1 2020vs Q1 2019	$197.9MM$170.0MM
Deposits	Q1 2020vs Q1 2019	$255.4MM$201.2MM
Equity Capital	Q1 2020vs Q1 2019	$30.0MM$23.2MM
Loan Loss Allowance	Q1 2020vs Q1 2019	$2.2MM$2.2MM
Unbacked Noncurrent Loans	Q1 2020vs Q1 2019	$13.00K$11.00K
Real Estate Owned	Q1 2020vs Q1 2019	$340.00K$340.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peach State Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	-	$50k	Kasasa Saver
OTHER TIERS: 0.18% → $50k+

Peach State Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.16% → $10k+

Locations

Peach State Bank & Trust Locations
Peach State Bank & Trust	325 Washington Street	Gainesville, GA 30501

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