PEACH STATE BANK&TRUST
GAINESVILLE, GEORGIA · FDIC Cert #57923
Capital & Safety Analysis
According to FDIC financial data, PEACH STATE BANK&TRUST holds a Tier 1 capital ratio of 14.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning PEACH STATE BANK&TRUST has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
PEACH STATE BANK&TRUST shows strong financial health indicators. With $779M in assets and a Health Score of 97/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
PEACH STATE BANK&TRUST has a Bank Health Score of A (97/100). It holds a Tier 1 capital ratio of 14.99%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
PEACH STATE BANK&TRUST holds $779M in total assets and $614M in total deposits. It is located in GAINESVILLE, GEORGIA (FDIC Certificate #57923).
PEACH STATE BANK&TRUST has a Tier 1 capital ratio of 14.99%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 1.13%.
Yes. PEACH STATE BANK&TRUST is FDIC-insured (Certificate #57923). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.