Peach State Bank & Trust
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0). Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 10.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.0) profitability.
Asset Mix:
Comm re (24%), securities (23%), home mtgs (20%), cash (8%), home eq lns (4%), comm loans (3%), consumer loans (0%), other (18%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Peach State Bancshares, Inc.
Investment Rating
--
Address
121 E E Butler Parkway
Gainesville, GA 30501
Gainesville, GA 30501
Phone Number
(770) 536-1100
Year Founded
2005
FDIC Number
Website
Largest Affiliates
No affiliate information available.