Peoples Bank & Trust

Headquarters

1899 Buford Hwy
Buford, GA 30518
See all branch locations →

ACH 061103153

Phone 7709321900

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.65% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Peoples Bank & Trust is an FDIC insured institution located in Buford, GA. It was founded in 1984 and has approximately $0.53 billion in assets.

FDIC Insured Yes
FDIC Certificate # 25795
Date Established 1984
Assets $ 529.93 million
Loans $ 214.43 million
Deposits $ 488.74 million
Capital $ 37.61 million
 

For a more detailed analysis of Peoples Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 27, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - December 27, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Peoples Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
Sebonic
NMLS ID: 66247
6.715% 6.625%
0.88 points
$2,989 fees
$2,049 Learn More
AimLoan.com
NMLS ID: 2890
License#: MBMB.850089.000
6.743% 6.625%
0.88 points
$3,891 fees
$2,049 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.961% 6.875%
0.63 points
$2,806 fees
$2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.350% 7.250%
1.00 points
$3,200 fees
$2,183 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR 6.990 %
After Intro: 6.990 %
$0 Learn More
More Info
Rate
Rate
See Table
Intro APR 7.900 %
After Intro: 7.900 %
$25,000 Learn More
More Info

Note to Peoples Bank & Trust
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Branches

Peoples Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


Peoples Bank & Trust Locations around zip code 43085


BranchDistance Map View Lobby Hours

Peoples Bank & Trust

408.17 A View Lobby Hours


Climate Policy and Initiatives

Peoples Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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Financial Details

Peoples Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Peoples Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Peoples Bank & Trust U.S. Bank Average
1.93% 4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Peoples Bank & Trust had $109,000 in non-current loans and $654,000 in owned real estate. To cover these potential losses it had $37,605,000 in equity and $1,963,000 in loans loss reserves. That gives it a Texas Ratio of 1.93%.

Return on Equity
Peoples Bank & Trust U.S. Bank Average
15.01% 10.46%

Peoples Bank & Trust has a Return on Equity of 15.01% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Peoples Bank & Trust U.S. Bank Average
7.1% 10.84%

Peoples Bank & Trust has a Capitalization of 7.1% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Peoples Bank & Trust Balance Sheet Analysis

As of June 30, 2024, Peoples Bank & Trust had assets of $529,929,000, loans of $214,431,000, and deposits of $488,743,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 57.45 million
Interest-bearing balances $ 52.84 million
Total securities $ 233.97 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 214.43 million
Loan loss allowance $ 1.96 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.65 million
Goodwill and other intangibles N.A.
All other assets $ 16.15 million
     Total Assets $ 492.32 million
LIABILITIES
Total deposits $ 488.74 million
      Interest-bearing deposits $ 369.18 million
      Deposits held in domestic offices $ 488.74 million
      % insured (estimated) 54.70%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.63 million
      Total Liabilities $ 492.32 million
      Shareholders’ Equity $ 37.61 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 12.18 million
Total Interest Expense $ 3.76 million
Net interest income $ 8.42 million
Provision for loan and lease losses $ 0.16 million
Total non interest income $ 0.57 million
Total non interest expense $ 5.35 million
Pre-tax Net Operating Income $ 2.02 million

Bank Loan Profile?

The top three loan types in Peoples Bank & Trust’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.

Compared to other banks in Georgia, Peoples Bank & Trust has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.11
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.39
Small Business Loans 11.02
Construction and Development Loans 20.27
Commercial Real Estate 24.06
Commercial and Industrial Loans 6.51
Farm Loans 0.00

Customer Reviews for Peoples Bank & Trust

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