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The Lender Report built this page from public records. Peach State Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about Peach State Bank & Trust itself. Each figure shows its source and date. Work at Peach State Bank & Trust? You can claim this page for free.
Bank, Gainesville, GA
Peach State Bank & Trust
Peach State Bank & Trust no longer files under this name. FDIC records show it merged into United Community Bank on August 1, 2026. Before that it made 3 multifamily loans in 2025, all in Georgia, at a typical size of $2.3M, and provided the first lien on 12 SBA 504 projects since October 2023.
- Kind
- Bank
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $324M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 3
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 12
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $786M
- FDIC call report,
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Names it files under
- PEACH STATE BANK AND TRUSTFDIC institution record,
- Address
- 121 E E Butler Pkwy, Gainesville, GA 30501FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 0 closed, 1 relocated.FDIC structure history. | FDIC history |
| August 1, 2026 | Merged into United Community Bank on August 1, 2026.FDIC structure history. | FDIC history, |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 18.6% to $102.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 2.0% to $81.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 85.7% to $84.3M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Hall County, GA | Purchase, 5 to 24 units | $3.2M | HMDA 2025 | |||
| 2025 | Atlanta-Sandy Springs-Roswell, GA | Purchase, 5 to 24 units | $2.3M | HMDA 2025 | |||
| 2025 | Hall County, GA | Refinance, 25 to 49 units | $1.4M | HMDA 2025 | |||
| Nov 2025 | Georgia | SBA 504, Manufacturing | $940K | 10 yr | SBA FOIA | ||
| Aug 2025 | Georgia | SBA 504, Accommodation and Food Services | $1.4M | 25 yr | SBA FOIA | ||
| Jul 2025 | Georgia | SBA 504, Wholesale Trade | $880K | 25 yr | SBA FOIA | ||
| Aug 2024 | Georgia | SBA 504, Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $1.3M | 25 yr | SBA FOIA | ||
| Jan 2024 | Georgia | SBA 504, Child Care Services | $4.7M | 25 yr | SBA FOIA | ||
| Oct 2023 | Georgia | SBA 504, Car Washes | $340K | 20 yr | SBA FOIA | ||
| 12 SBA 504 first liens since October 2023, net of cancelled | $18.8M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $24.9M | 4.8% | +14.7% |
| Construction and land development | $103M | 19.6% | +18.6% |
| Owner-occupied CRE | $81.7M | 15.6% | +2.0% |
| Non-owner-occupied CRE | $88.6M | 16.9% | -0.4% |
| Farmland | $3.33M | 0.6% | -27.4% |
| Commercial and industrial | $22.8M | 4.3% | -31.2% |
| Commercial total | $324M |
Reference only: $198M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $255M |
| Q4 2023 | $266M |
| Q1 2024 | $285M |
| Q2 2024 | $295M |
| Q3 2024 | $299M |
| Q4 2024 | $301M |
| Q1 2025 | $293M |
| Q2 2025 | $315M |
| Q3 2025 | $321M |
| Q4 2025 | $321M |
| Q1 2026 | $303M |
| Q2 2026 | $324M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 3 | $6.90M | $2.30M | $3.2M | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 10 | $3.49M | $300K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 12 | $18.8M | $1.11M | $4.7M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: name and lender office city.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Peach State Bank & Trust reported commitments to fund construction loans that had not been drawn at June 30, 2026: $13,837,000 for 1-4 family residential construction and $70,468,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $13,647,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 67 | $1.70M |
| Over $100,000 up to $250,000 | 39 | $3.23M |
| Over $250,000 up to $1 million | 42 | $9.43M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 8 | $334K |
| Over $100,000 up to $250,000 | 28 | $4.04M |
| Over $250,000 up to $1 million | 99 | $37.3M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1 | $39.0K |
| Over $100,000 up to $250,000 | 3 | $416K |
| Over $250,000 up to $500,000 | 7 | $1.47M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Georgia HQ | 1 | 3 | 9 | 0 | 12 |
| North Carolina | 0 | 0 | 1 | 0 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Peach State Bank & Trust has 2 offices in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 2 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Hall County, GA | 2 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Peach State Bank & Trust, FDIC certificate 57923. Compare it with the regulator's record. [FDIC BankFind]
- Loans made. 25 recorded loans from HMDA and SBA files, through September 30, 2026: 3 HMDA multifamily 2025, 10 HMDA 1-4 unit investor 2025, 12 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Peach State Bank & Trust]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 57923
- RSSD
- 3348468
- LEI
- 549300HX04TQZO5URB98
- The Lender Report ID
- lr_001874
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $786M in total assets as of June 30, 2026 (FDIC call report).
- Held $324.1M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $102.9M of construction and land loans as of June 30, 2026, up 18.6% from a year earlier (FDIC call report).
- Held $88.6M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $81.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 2.0% from a year earlier (FDIC call report).
- Originated 3 multifamily loans totaling $6.9M in 2025 (HMDA).
6 more sentences
- Originated 10 1-4 unit investor or business-purpose loans totaling $3.5M in 2025 (HMDA).
- Provided the first lien on 12 SBA 504 projects with $18.8M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Merged into United Community Bank on August 1, 2026. Source: FDIC records.
- Held 148 commercial and industrial loans that were $1 million or less when made, with a balance of $14.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 135 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $41.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $13.8M for 1-4 family and $70.5M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Peach State Bank & Trust, https://lender.report/lender/peach-state-bank-and-trust-ga/, data as of December 31, 2025.
Sources
- FDIC institution record, November 9, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem