Peoples Bank & Trust (FDIC certificate #25795) is based in Buford, Georgia. Its Q2 2026 call report shows $563.3M in total assets and $505.0M in deposits and 1 office.
Based on its Q2 2026 filing, Peoples Bank & Trust scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 58th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (58/100; 10.81%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (74 → 76), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.82% |
| Q3 2024 | 10.15% |
| Q4 2024 | 10.23% |
| Q1 2025 | 10.31% |
| Q2 2025 | 10.36% |
| Q3 2025 | 10.58% |
| Q4 2025 | 10.66% |
| Q1 2026 | 10.73% |
| Q2 2026 | 10.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $563.3M | 10.81% | 0.16% | 1.41% | 57.9% |
| Q1 2026 | 73 | $582.4M | 10.73% | 0.43% | 1.40% | 51.2% |
| Q4 2025 | 72 | $547.8M | 10.66% | 0.46% | 1.25% | 51.8% |
| Q3 2025 | 74 | $559.0M | 10.58% | 0.19% | 1.20% | 48.3% |
| Q2 2025 | 74 | $554.1M | 10.36% | 0.19% | 1.25% | 48.4% |
| Q1 2025 | 72 | $558.5M | 10.31% | 0.19% | 1.16% | 48.1% |
| Q4 2024 | 72 | $525.6M | 10.23% | 0.19% | 1.13% | 53.4% |
| Q3 2024 | 71 | $521.4M | 10.15% | 0.20% | 1.07% | 51.2% |
| Q2 2024 | 71 | $529.9M | 9.82% | 0.05% | 1.05% | 43.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| South Georgia Banking CompanyBank Omega, GA | 85 out of 100, Very strong | $570.1M | 13.9% | 0.55% | vs |
| First National Bank of Coffee CountyBank Douglas, GA | 70 out of 100, Strong | $547.5M | 8.8% | 0.24% | vs |
| Bank of DudleyBank Dudley, GA | 69 out of 100, Moderate | $537.9M | 9.6% | 0.12% | vs |
| Pineland BankBank Alma, GA | 75 out of 100, Strong | $597.1M | 10.5% | 0.49% | vs |
| Guardian BankBank Valdosta, GA | 65 out of 100, Moderate | $597.9M | 11.5% | 1.49% | vs |
Deposit insurance
Is my money safe at Peoples Bank & Trust?
Yes. Peoples Bank & Trust is an FDIC-insured institution (FDIC certificate #25795). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.5% of deposits ($229.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Peoples Bank & Trust lists 1 office in 1 city. Most locations:
- Buford, GA (1)
Identity & history
Profile
- Legal name
- Peoples Bank & Trust
- Former names
- The Peoples Bank of Buford
- Type
- State-chartered bank
- FDIC certificate #
- 25795
- RSSD ID
- 109136
- Primary regulator
- FDIC
- Holding company
- Peoples Banktrust Inc
- Established
- December 13, 1984
- Headquarters
- 1899 Buford Hwy, Buford, GA 30518
- Website
- www.peoplesbanktrust.com
- Employees
- 56
Quick answers
Peoples Bank & Trust: common questions
Is Peoples Bank & Trust FDIC insured?
Yes. Peoples Bank & Trust is an FDIC-insured institution (FDIC certificate #25795). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank & Trust's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Bank & Trust ever failed?
There is no failure record for FDIC certificate #25795 in the FDIC failed bank list.
How many branches does Peoples Bank & Trust have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Buford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |
| First American Bank and Trust CompanyBank Athens, GA | 86 out of 100, Very strong | $901.9M | 13.3% | 0.00% | vs |