Peach State Bank & Trust is a bank based in Gainesville, Georgia, established in 2005, with $789 million in total assets across 3 branches. By Trust Grade it ranks 75th of 124 banks we track in Georgia. Its capital ratio of 9.1% trails most similarly sized banks (31th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.31% return on assets. No consumer complaints against Peach State Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Peach State Bank & Trust compares to Georgia peers
How we graded Peach State Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Strongly profitable (ROA 1.31%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Peach State Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 121 E E Butler Pkwy, Gainesville, GA 30501
- 121 Ee Butler Pkwy, Gainesville, GA 30501
- 1502 Friendship Rd, Braselton, GA 30517
Are deposits at Peach State Bank & Trust insured?
Yes. Peach State Bank & Trust is an FDIC-insured bank (FDIC certificate #57923). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Peach State Bank & Trust: frequently asked questions
Is Peach State Bank & Trust a good bank?
Peach State Bank & Trust earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Strongly profitable (ROA 1.31%).
Is Peach State Bank & Trust FDIC-insured?
Yes. Peach State Bank & Trust is a FDIC-insured bank (FDIC certificate #57923). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Peach State Bank & Trust?
Peach State Bank & Trust holds $789 million in total assets, ranking 75th of 124 banks we track in Georgia. It operates 3 branches.
Does Peach State Bank & Trust have CFPB complaints?
No CFPB complaints against Peach State Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
