BlastPoint's Banking Scorecard

Peoples Bank & Trust

$100M-$1B Specialty: Commercial GA FDIC cert 25795

Buford, GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Peoples Bank & Trust has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.13% above tier average
+ Efficiency Ratio 18.17% below tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 38.5% in tier
- Credit Risk Growth: Bottom 48.5% in tier
- Capital Thin: Bottom 49.0% in tier
- Net Interest Margin 0.26% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$582.4M +4.3% YoY +6.3% QoQ	+$196.3M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$270.4M +9.8% YoY +5.4% QoQ	+$14.6M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$527.9M +3.2% YoY +6.7% QoQ	+$199.9M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.40% +20.9% YoY +11.9% QoQ	+0.13%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	3.67% +2.4% YoY +1.1% QoQ	-0.26%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	47.11% -18.1% YoY -11.9% QoQ	-18.17%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 11.3% in tier
Delinquency Rate ?	0.44% +128.7% YoY -5.2% QoQ	-0.45%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	51.21% +6.4% YoY -1.2% QoQ	-25.42%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Top 10.5% in tier
Non-Interest-Bearing Deposit Share ?	24.37% -3.8% YoY +5.2% QoQ	+2.35%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.20% +140.9% YoY -6.0% QoQ	-0.43%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	10.73% +4.0% YoY +0.6% QoQ	-5.10%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.05% +7.2% YoY -72.4% QoQ	-0.23%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	22%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#504 of 1308 • Bottom 38.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#473 of 973 • Bottom 48.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Capital Thin

risk

#327 of 666 • Bottom 49.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.73%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

281

Loan-to-Deposit Ratio

liquidity

Value: 51.21%

Peer Median: 76.64%

#281 of 2664 Top 10.5% in $100M-$1B

303

Efficiency Ratio

profitability

Value: 47.11%

Peer Median: 65.29%

#303 of 2664 Top 11.3% in $100M-$1B

481

Total Deposits

size

Value: $527.92M

Peer Median: $327.97M

#481 of 2664 Top 18.0% in $100M-$1B

559

Total Assets

size

Value: $582.36M

Peer Median: $386.08M

#559 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2144

Tier 1 Capital Ratio

capital

Value: 10.73%

Peer Median: 15.83%

#2144 of 2664 Bottom 19.6% in $100M-$1B

2086

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2086 of 2664 Bottom 21.7% in $100M-$1B