BlastPoint's Banking Scorecard
Peach State Bank & Trust
Gainesville, GA
3 branches across GA
Peach State Bank & Trust has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 9.26% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$789.3M
+11.4% YoY
+0.4% QoQ
|
+$403.2M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 8.5% in tier |
| Total Loans ? |
$492.3M
+7.4% YoY
-2.1% QoQ
|
+$236.6M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Top 11.9% in tier |
| Total Deposits ? |
$713.5M
+12.2% YoY
+0.3% QoQ
|
+$385.5M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 6.0% in tier |
| Return on Assets ? |
1.31%
+18.0% YoY
-3.7% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
3.78%
+5.9% YoY
-1.5% QoQ
|
-0.15% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
56.02%
-4.4% YoY
+3.8% QoQ
|
-9.26% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
69.00%
-4.2% YoY
-2.3% QoQ
|
-7.63% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
29.36%
-9.4% YoY
+8.4% QoQ
|
+7.34% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.11%
-2.5% YoY
+6.6% QoQ
|
-0.72% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.07%
+16.3% YoY
-74.1% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
32% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.