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Peach State Bank & Trust


Peach State Bank & Trust is an FDIC insured institution headquartered at 121 E E Butler Pkwy, Gainesville, GA 30501.
It was founded in 2005 and has approximately $1 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - April 22, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.40% $10,000 Compare
12 Mo CD
0.40% $100,000 Compare
24 Mo CD
0.50% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.60% $10,000 Compare
36 Mo CD
0.60% $100,000 Compare
48 Mo CD
0.70% $10,000 Compare
48 Mo CD
0.70% $100,000 Compare
60 Mo CD
0.80% $10,000 Compare
60 Mo CD
0.80% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57923
Date Established 2005
Assets $ 743.49 million
Loans $ 456.46 million
Deposits $ 674.46 million
Capital $ 65.15 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 83.59 million
Interest-bearing balances $ 76.55 million
Total securities $ 170.06 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 456.46 million
Loan loss allowance $ 5.58 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.11 million
All other assets $ 14.48 million
     Total Assets $ 678.34 million

LIABILITIES
Total deposits $ 674.46 million
      Interest-bearing deposits $ 469.48 million
      Deposits held in domestic offices $ 674.46 million
      % insured (estimated)" 44.31%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 3.05 millionn
      Total Liabilities $ 678.34 million
      Shareholders’ Equity $ 65.15 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 40.88 million
Total Interest Expense $ 18.08 million
Net interest income $ 22.81 million
Provision for loan and lease losses $ 0.61 million
Total non interest income $ 2.02 million
Total non interest expense $ 14.84 million
Pre-tax Net Operating Income $ 3.25 million

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