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Peoples Bank & Trust
Buford, GA · FDIC Certificate #25795 · Chartered 12/1
Total assets
$563.26M
Total deposits
$504.95M
Total equity
$53.98M
Net loans
$292.52M
Branches (offices)
1
Net income (YTD)
$3.99M
Rank: #1,634 of 4,213 U.S. banks by assets · #32 of 123 in Georgia. Assets changed 1.7% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 15.57% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 9.58% |
| Tier 1 leverage ratio | 10.81% |
| Uninsured deposits (share of deposits) | 45.5% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 57.9% |
| Real estate loans (share of loans) | 95.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $278.23M | 95.1% | |
| Commercial & industrial | $15.50M | 5.3% | |
| Consumer / individual | $2.83M | 1.0% | |
| Construction & development | $98.89M | 33.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $470.77M | $441.04M | $1.71M | $28.09M |
| Jun 2023 | $535.23M | $500.24M | $2.93M | $31.90M |
| Jun 2024 | $529.93M | $488.74M | $2.77M | $37.60M |
| Jun 2025 | $554.08M | $505.03M | $3.40M | $45.09M |
| Jun 2026 | $563.26M | $504.95M | $3.99M | $53.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $504.95M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $504.95M.
Similar-sized banks
Peoples Bank Of Kentucky, Inc. ($564.89M) · First Bank ($562.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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