BlastPoint's Banking Scorecard
Peoples Bank & Trust
Community
Specialty: Commercial
GA
FDIC cert 25795
Buford, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Peoples Bank & Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.21% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$547.8M
+4.2% YoY
-2.0% QoQ
|
-$843.6M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$256.6M
-0.3% YoY
+5.1% QoQ
|
-$718.9M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$494.8M
+2.8% YoY
-2.2% QoQ
|
-$669.8M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.25%
+10.5% YoY
+4.1% QoQ
|
+0.09% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.63%
+2.6% YoY
+0.2% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
53.48%
-7.9% YoY
-1.2% QoQ
|
-9.16% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.46%
+144.8% YoY
+141.8% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
51.85%
-3.0% YoY
+7.4% QoQ
|
-31.21% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.16%
-5.8% YoY
-18.0% QoQ
|
+2.11% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.22%
+134.2% YoY
+159.3% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
-0.4% YoY
+28.8% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
51.85%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Capital Thin
risk
#188 of 432 · Bottom 43% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.85% · Tier avg: 83.06%
76
76th pctile
Efficiency Ratio
Current: 53.48% · Tier avg: 62.63%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.16% · Tier avg: 21.05%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Total Deposits
Current: $494.8M · Tier avg: $1.2B
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
7
7th pctile
Total Assets
Current: $547.8M · Tier avg: $1.4B
2
2th pctile
Total Loans
Current: $256.6M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $256.6M · Tier avg: $975.5M
7
7th pctile
Total Assets
Current: $547.8M · Tier avg: $1.4B
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
12
12th pctile
Total Deposits
Current: $494.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.16% · Tier avg: 21.05%
76
76th pctile
Efficiency Ratio
Current: 53.48% · Tier avg: 62.63%
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.85% · Tier avg: 83.06%