Call reports 2025
PEACH STATE BANK & TRUST — 2025
What PEACH STATE BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 708,331,000 | 727,078,000 | 734,934,000 | 786,088,000 |
| Total loans | 463,946,000 | 492,175,000 | 503,778,000 | 508,760,000 |
| Allowance for loan losses | 5,668,000 | 5,758,000 | 5,848,000 | 5,970,000 |
| Securities available for sale | 160,627,000 | 157,748,000 | 151,727,000 | 151,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 636,100,000 | 652,021,000 | 655,524,000 | 711,603,000 |
| Interest-bearing deposits | 429,963,000 | 435,277,000 | 459,337,000 | 518,910,000 |
| Noninterest-bearing deposits | 206,137,000 | 216,744,000 | 196,187,000 | 192,693,000 |
| Equity capital | 68,479,000 | 71,325,000 | 75,013,000 | 69,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,497,000 | 19,089,000 | 29,407,000 | 39,935,000 |
| Interest expense | 3,378,000 | 6,606,000 | 9,914,000 | 13,115,000 |
| Net interest income | 6,119,000 | 12,483,000 | 19,493,000 | 26,820,000 |
| Noninterest income | 429,000 | 908,000 | 1,565,000 | 2,141,000 |
| Noninterest expense | 3,843,000 | 7,771,000 | 11,890,000 | 15,657,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 420,000 |
| Pretax income | 2,659,000 | 5,484,000 | 8,942,000 | 13,078,000 |
| Income tax | 641,000 | 1,139,000 | 1,984,000 | 2,991,000 |
| Net income | 2,018,000 | 4,345,000 | 6,958,000 | 10,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,915,000 | 77,249,000 | 79,868,000 | 74,004,000 |
| Total capital | 80,803,000 | 83,227,000 | 85,936,000 | 80,044,000 |
| Risk-weighted assets | 483,554,000 | 484,564,000 | 507,940,000 | 521,963,000 |