Gainesville, GA · Cert 57923 · Peach State Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Gainesville, GA · 2026 SOD (annual) · 12.1% share · #4 of 16 inst. · $0.7B of $5.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.03% | 1.11% | 1.20% | 1.27% | 1.36% | 1.31% | 1.36% | +16 bps | |
| Return on Equity | 11.41% | 12.79% | 12.08% | 12.72% | 13.25% | 14.42% | 14.58% | 14.84% | +212 bps | |
| Net Interest Margin | 2.77% | 2.98% | 3.37% | 3.50% | 3.50% | 3.51% | 3.58% | 3.67% | +17 bps | |
| Efficiency Ratio | 60.47% | 59.63% | 58.58% | 57.93% | 56.36% | 53.97% | 56.02% | 54.70% | -323 bps | |
| Non-Interest Burden | 1.58% | 1.68% | 1.88% | 1.93% | 1.85% | 1.77% | 1.88% | 1.88% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.65% | 4.33% | -6.63% | -6.71% | -5.52% | 5.73% | 11.43% | 8.11% | +1,481 bps | |
| Loan Growth (YoY) | 19.74% | 16.78% | 11.40% | 10.89% | 11.14% | 10.11% | 7.38% | 6.35% | -454 bps | |
| Deposit Growth (YoY) | 14.97% | 11.22% | 6.56% | 6.28% | -0.83% | 5.51% | 12.16% | 8.38% | +210 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | -0.03% | -0.02% | -2 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.22% | 1.17% | 1.16% | 1.17% | 1.18% | 1.12% | -5 bps | |
| Allowance Coverage of NPLs | 5228.0x | n/a | n/a | n/a | 95.9x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.74% | 9.56% | 10.32% | 10.84% | 10.74% | 9.69% | 9.69% | 10.09% | -74 bps | |
| Total Risk-Based Capital | 15.94% | 16.45% | 16.71% | 17.18% | 16.92% | 15.34% | 16.36% | 16.12% | -105 bps | |
| Equity / Assets | 8.23% | 8.76% | 9.67% | 9.81% | 10.21% | 8.89% | 9.11% | 9.51% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.58% | 68.50% | 72.94% | 75.48% | 76.85% | 71.49% | 69.83% | 74.07% | -141 bps | |
| Liquid Assets / Assets | 11.83% | 10.30% | 6.85% | 5.85% | 5.65% | 11.08% | 11.43% | 8.98% | +314 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 373% | 400% | 360% | n/a | n/a | |