BlastPoint's Banking Scorecard
Peoples Bank & Trust
Buford, GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits -0.0% year over year ($505.0M on the books).
- Delinquency rate 0.16%.
- Return on assets 1.41%.
- Efficiency ratio 46.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.93% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 18.40% below tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 34.2% in tier
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$563.3M
+1.7% YoY
-3.3% QoQ
|
+$176.7M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$292.5M
+19.6% YoY
+8.2% QoQ
|
+$34.2M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$505.0M
-0.0% YoY
-4.4% QoQ
|
+$178.2M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.41%
+13.5% YoY
+0.9% QoQ
|
+0.09% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.86%
+5.6% YoY
+5.4% QoQ
|
-0.12% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
46.08%
-16.0% YoY
-2.2% QoQ
|
-18.40% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 10.4% in tier |
| Delinquency Rate ? |
0.16%
-17.6% YoY
-64.0% QoQ
|
-0.76% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
57.93%
+19.6% YoY
+13.1% QoQ
|
-20.02% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 14.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.15%
-5.4% YoY
-0.9% QoQ
|
+2.12% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.08%
-3.1% YoY
-59.7% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
10.81%
+4.3% YoY
+0.7% QoQ
|
-5.10% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.11%
+9.6% YoY
+105.5% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.1%
-1.4pp YoY -0.2pp QoQ |
+2.0pp | 22.1% | 26.2% | 22.2% | 63% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.3%
-1.0pp YoY -0.7pp QoQ |
-6.3pp | 11.6% | 9.7% | 12.5% | 22% |
| CRE | n/a | n/a | 39.5% | 48.9% | 41.4% | n/a |
| 1-4 Family |
32.8%
+3.0pp YoY +1.4pp QoQ |
+0.2pp | 32.6% | 31.7% | 31.3% | 57% |
| Consumer |
1.0%
-0.2pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 4.8% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
10.8%
+0.5pp YoY +0.1pp QoQ |
-1.4pp | 12.2% | 14.0% | 12.6% | 46% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
+5 (+9.8%) YoY +5 (+9.8%) QoQ |
-3 | 58 | 98 | 482 | 60% |
| Assets per Employee ($) |
$10.1M
-7.4% YoY -11.9% QoQ |
+$2.5M | $7.5M | $7.5M | $8.8M | 86% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY -0.3pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 25% |
| Allowance Coverage |
6.59x
+24.6% YoY +150.4% QoQ |
-17.56x | 24.15x | 38.10x | 20.23x | 76% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.6%
-0.3pp YoY -0.3pp QoQ |
+3.4pp | 12.2% | 13.6% | 11.6% | 71% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 29% |
| Net Income ($, YTD) |
$4.0M
+17.3% YoY — QoQ |
+$1.4M | $2.6M | $6.6M | $40.4M | 80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.