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Peoples Bank & Trust

Buford, GA · Cert 25795 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Peoples Banktrust Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$563.3MAssets
$295.6MLoans
$505.0MDeposits
$54.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 19).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 20 of 20).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.42%

Rank 10 of 20

Net Interest Margin

3.63%

Rank 13 of 20

Efficiency Ratio

46.08%

Rank 4 of 20

Equity / Assets

9.58%

Rank 16 of 20

Non-interest income vs. expense

$1.2M$10.1MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 85% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 46.08%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%1.08%1.42%1.85%Beats 50%10 / 20
Return on Equity14.79%9.57%13.48%17.30%Beats 65%7 / 20
Net Interest Margin3.63%3.38%3.99%4.50%Beats 35%13 / 20
Efficiency Ratio46.08%47.39%61.42%73.60%Beats 85%4 / 20
Asset Quality
Nonperforming Loans / Loans0.16%0.05%0.79%1.63%Beats 74%6 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio10.81%13.64%16.79%19.57%Beats 0%20 / 20
Total Risk-Based Capital Ratio10.81%14.77%17.61%20.82%Beats 0%20 / 20
Equity / Assets9.58%9.66%10.94%13.62%Beats 20%16 / 20
Liquidity & Funding
Loans / Deposits58.53%70.35%84.66%95.83%15th pctl17 / 20
Loans / Assets52.47%62.58%72.89%77.86%15th pctl17 / 20
Brokered Deposits / Depositsn/aNot reported for this institution