BlastPoint's Banking Scorecard
Peach State Bank & Trust
Community
Specialty: Commercial
GA
FDIC cert 57923
Gainesville, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Peach State Bank & Trust shows strong momentum with 2 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$786.1M
+5.7% YoY
+7.0% QoQ
|
-$605.4M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$502.8M
+10.1% YoY
+1.0% QoQ
|
-$472.7M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$711.6M
+5.5% YoY
+8.6% QoQ
|
-$453.0M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.36%
+32.7% YoY
+7.0% QoQ
|
+0.20% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.84%
+19.8% YoY
+1.6% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
53.97%
-9.5% YoY
-4.2% QoQ
|
-8.66% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
70.66%
+4.4% YoY
-7.0% QoQ
|
-12.41% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
27.08%
-10.9% YoY
-9.5% QoQ
|
+6.03% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.18%
-7.3% YoY
-9.8% QoQ
|
+3.93% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.27%
+0.4% YoY
+27.9% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.66% · Tier avg: 83.06%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.08% · Tier avg: 21.05%
75
75th pctile
Efficiency Ratio
Current: 53.97% · Tier avg: 62.63%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 10.24%
67
67th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
39
39th pctile
Total Deposits
Current: $711.6M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $786.1M · Tier avg: $1.4B
32
32th pctile
Total Loans
Current: $502.8M · Tier avg: $975.5M
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
32
32th pctile
Total Loans
Current: $502.8M · Tier avg: $975.5M
34
34th pctile
Total Assets
Current: $786.1M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $711.6M · Tier avg: $1.2B
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
67
67th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 10.24%
75
75th pctile
Efficiency Ratio
Current: 53.97% · Tier avg: 62.63%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.08% · Tier avg: 21.05%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.66% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%