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Peoples Bank & Trust


Peoples Bank & Trust ACH Number: 061103153

Peoples Bank & Trust is an FDIC insured institution headquartered at 1899 Buford Hwy, Buford, GA 30518.
It was founded in 1984 and has approximately $1 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - April 25, 2025

SAVINGS RATES APY MIN
SAV
0.25% $0 Compare
CD RATES APY MIN
12 Mo CD
3.55% $500 Compare
24 Mo CD
2.02% $500 Compare
36 Mo CD
0.35% $500 Compare
48 Mo CD
0.80% $500 Compare
60 Mo CD
0.90% $500 Compare
MM RATES APY MIN
Money Market
0.40% $5,000 Compare
Money Market
1.00% $100,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.20% $50,000

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 25795
Date Established 1984
Assets $ 525.56 million
Loans $ 257.28 million
Deposits $ 481.53 million
Capital $ 40.69 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 33.74 million
Interest-bearing balances $ 29.46 million
Total securities $ 211.14 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 257.28 million
Loan loss allowance $ 2.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 16.15 million
     Total Assets $ 484.87 million

LIABILITIES
Total deposits $ 481.53 million
      Interest-bearing deposits $ 363.20 million
      Deposits held in domestic offices $ 481.53 million
      % insured (estimated)" 55.40%
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 millionn
      Total Liabilities $ 484.87 million
      Shareholders’ Equity $ 40.69 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 25.45 million
Total Interest Expense $ 7.83 million
Net interest income $ 17.62 million
Provision for loan and lease losses $ 0.59 million
Total non interest income $ 1.03 million
Total non interest expense $ 10.83 million
Pre-tax Net Operating Income $ 2.02 million

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