Peach State Bank & Trust

Overview / Commentary
325 Washington Street
Gainesville, GA 30501

Peach State Bank & Trust is headquartered in Gainesville and is the 40th largest bank in the state of Georgia. It is also the 1,887th largest bank in the nation. It was established in 2005 and as of September of 2020, it had grown to 60 employees at 2 locations. Peach State Bank & Trust has an A health rating.


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Health Grade Components

FDIC Certificate #57923
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD9.28%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$409.3MM$263.7MM
LoansQ3 2020vs Q3 2019$246.2MM$192.1MM
DepositsQ3 2020vs Q3 2019$339.8MM$226.6MM
Equity CapitalQ3 2020vs Q3 2019$32.0MM$28.7MM
Loan Loss AllowanceQ3 2020vs Q3 2019$2.6MM$2.2MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$14.00K$9.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$340.00K
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Peach State Bank & Trust Savings Account Rates

0.25%*-$50kKasasa Saver
OTHER TIERS: 0.18% $50k+

Peach State Bank & Trust Checking Account Rates

0.75%*-$10kKasasa Cash
OTHER TIERS: 0.16% $10k+

Peach State Bank & Trust Locations
Peach State Bank & Trust325 Washington StreetGainesville, GA 30501

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