# PEACH STATE BANK&TRUST
GAINESVILLE, GA · FDIC certificate 57923 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $786.0M | |
| Deposits | $706.7M | |
| Loans and leases | $523.4M | |
| Total equity | $74.8M | |
| Loans / deposits | 73.24% (p31 of band) | 82.04% |
| Liquid assets / assets | 29.70% (p63 of band) | |
| Uninsured deposits / deposits | 54.73% (p97 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.09% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -10.08% (p43 of band) | -8.10% |
| AOCI / equity | -0.66% (p35 of band) | |
| ROA (annualized) | 1.36% (p55 of band) | 1.28% |
| Net interest margin | 3.86% (p47 of band) | 3.91% |
| Efficiency ratio | 54.70% (p30 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 95% | |
| Construction % of loans | 137.61% (p95 of band) | |
| Auto loans | $242,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 8 | leverage <5%, capital falling, noncurrent p90 |  |
| 2011-12 | 6 | charge-offs p90 | leverage <5%, capital falling |
| 2012-03 | 3 |  | leverage <7%, losing money, noncurrent p90 |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-12 | 6 | noncurrent p90 |  |
| 2013-03 | 6 |  |  |
| 2013-06 | 6 |  |  |
| 2013-09 | 4 |  | deposits shrinking, assets shrinking |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 |  | charge-offs p90, noncurrent p90 |
| 2014-06 | 3 | noncurrent p90 |  |
| 2014-09 | 4 | charge-offs p90 |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 3 |  | charge-offs p90 |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 0 |  | construction >100% equity, reserve under noncurrent, noncurrent p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 4 | uninsured deposits >50% |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits >50% |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | uninsured deposits >50%, capital falling, securities losses >30% of equity |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 3 | wholesale funding >15% | uninsured deposits >50% |
| 2024-06 | 4 | uninsured deposits >50% |  |
| 2024-09 | 3 |  | wholesale funding >15% |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 3 | assets shrinking |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | capital falling | assets shrinking |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57923 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "57923", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide