GA lenders / Community Bank
Peach State Bank & Trust
Community Bank · Gainesville, GA · Peach State Bancshares Inc
- Total assets
- $789.3M
- CRE loan book
- $274.5M
- QoQ CRE growth
- -7.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.50% as of Q1 2026 — TX bank median 4.87% (1.64pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.50% | 6.54% |
| Q4 2025 | 6.70% | 6.72% |
| Q3 2025 | 6.73% | 6.68% |
| Q2 2025 | 6.41% | 6.42% |
| Q1 2025 | 6.33% | 6.38% |
| Q4 2024 | 6.39% | 6.44% |
| Q3 2024 | 6.60% | 6.66% |
| Q2 2024 | 6.28% | 6.34% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $274.5M | $87.7M | $25.0M | 241% | $0 |
| Q4 2025 | $295.8M | $93.0M | $25.2M | 269% | $0 |
| Q3 2025 | $297.6M | $91.3M | $23.5M | 251% | $0 |
| Q2 2025 | $277.4M | $86.7M | $21.7M | 239% | $0 |
| Q1 2025 | $267.9M | $73.0M | $21.9M | 232% | $0 |
| Q4 2024 | $272.5M | $72.2M | $22.1M | 242% | $0 |
| Q3 2024 | $270.9M | $67.9M | $22.2M | 247% | $0 |
| Q2 2024 | $265.0M | $86.1M | $21.9M | 255% | $0 |
Signals
Recent news
- United Community Banks, Inc. Announces Completion Of Merger With Peach State Bancshares, Inc., The Parent Company Of Peach State Bank & Trust - Yahoo Finance — Coverage of Peach State Bank & Trust related to M&A activity reported by finance.yahoo.com.Aug 3, 2026
- Press Release: United Community Banks, Inc. Announces Completion Of Merger With Peach State Bancshares, Inc., The Parent Company Of Peach State Bank & Trust - Moomoo — Coverage of Peach State Bank & Trust related to M&A activity reported by moomoo.com.Aug 3, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Industrial BankCommunity Bank · Washington · $273.5M CRE book
- American Heritage National BankCommunity Bank · Long Prairie · $273.0M CRE book
- Farmers Trust and Savings BankCommunity Bank · Spencer · $272.7M CRE book
- Midwest BankCommunity Bank · Pierce · $277.7M CRE book
- Monson Savings BankCommunity Bank · Monson · $278.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.