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Trust Bank, The

Lenox, GA · Cert 13832 · Lindsey Family Trust

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

90

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Trust Bank, The

Lenox, GA · Cert 13832 · Lindsey Family Trust

State charter, non-member · FDIC · 3 branches

Q2 2026

$47.0MAssets
$26.2MLoans
$39.3MDeposits
$7.4MEquity
Loan mix
83%RE $19.3M4%C&I $1.0M12%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
57%Interest-bearing $22.2M43%Noninterest $17.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.52%, down 31 bps year over year; NIM at 6.27%.
  • Asset quality: problem loans at 1.36% of loans (+4 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 16.15%, up 21 bps from a year ago.
  • Funding: loans stand at 66.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.52%-31 bps YoY

Net Interest Margin (YTD, annualized)

6.27%-49 bps YoY

Efficiency Ratio (YTD, annualized)

71.88%+101 bps YoY

Tier 1 Leverage Ratio

16.15%+21 bps YoY

NIM

7.61%Q2 ’247.32%Q2 ’256.90%Q2 ’26-6%-7%

Non-interest income vs. expense

5.13%Q2 ’245.66%Q2 ’254.87%Q2 ’26+10%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%2.12%1.21%1.83%1.61%1.54%1.09%1.52%-31 bps
Return on Equity14.90%14.23%8.02%11.96%10.41%9.94%6.84%9.58%-239 bps
Net Interest Margin7.16%7.00%6.19%6.76%6.50%6.59%6.02%6.27%-49 bps
Efficiency Ratio64.77%66.48%78.97%70.87%70.48%72.71%79.10%71.88%+101 bps
Non-Interest Burden4.23%4.30%4.76%4.43%4.31%4.49%4.66%4.36%-7 bps
Growth
Asset Growth (YoY)-11.12%-9.61%0.85%9.00%7.44%3.25%0.16%4.71%-429 bps
Loan Growth (YoY)3.25%24.57%30.00%27.41%29.99%6.48%7.64%14.76%-1,264 bps
Deposit Growth (YoY)-14.23%-12.49%0.06%9.56%7.94%3.16%-2.01%4.49%-507 bps
Asset Quality
Nonperforming Loans / Loans1.52%1.50%1.23%1.32%1.22%1.99%2.09%1.36%+4 bps
Net Charge-Offs / Loans-0.03%-0.01%0.00%0.04%0.01%0.21%-0.05%-0.04%-7 bps
Allowance / Loans1.71%1.51%1.45%1.37%1.58%1.51%1.45%1.30%-7 bps
Allowance Coverage of NPLs1.1x1.0x1.2x1.0x1.3x0.8x0.7x1.0x-0.1x
Capital
Tier 1 Leverage Ratio16.49%15.06%14.23%15.95%15.65%15.67%15.86%16.15%+21 bps
Total Risk-Based Capital36.78%33.27%31.76%33.25%33.64%35.78%33.78%31.81%-144 bps
Equity / Assets16.36%15.28%14.85%15.67%15.88%15.89%15.87%15.84%+17 bps
Liquidity & Funding
Loans / Deposits52.96%59.18%57.09%60.68%63.78%61.08%62.71%66.64%+596 bps
Liquid Assets / Assets48.81%43.24%42.99%40.53%38.14%40.96%40.03%35.22%-531 bps
CRE / Total Capitaln/an/an/an/a68.82%69.68%73.78%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Trust Bank, The

Lenox, GA · Cert 13832 · Peer group: banks under $1B in assets in GA (n=58-59) · Lindsey Family Trust

State charter, non-member · FDIC · 3 branches

Q2 2026

$47.0MAssets
$26.2MLoans
$39.3MDeposits
$7.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in GA (rank 1 of 59).
  • Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets in GA (rank 49 of 58).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.47%

Rank 29 of 59

Net Interest Margin

6.27%

Rank 1 of 59

Efficiency Ratio

71.88%

Rank 46 of 59

Equity / Assets

15.84%

Rank 9 of 59

Non-interest income vs. expense

$0.2M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 24% of banks under $1B in assets in GA
Bank 71.88%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.47%0.94%1.46%1.76%Beats 51%29 / 59
Return on Equity9.27%7.92%11.60%15.10%Beats 32%40 / 59
Net Interest Margin6.27%3.66%4.24%4.75%Beats 98%1 / 59
Efficiency Ratio71.88%51.87%60.25%70.24%Beats 24%46 / 59
Asset Quality
Nonperforming Loans / Loans1.36%0.10%0.36%0.89%Beats 17%49 / 58
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 52%29 / 58
Capital
Tier 1 Capital Ratio30.56%11.93%15.65%21.05%Beats 93%4 / 59
Total Risk-Based Capital Ratio31.81%12.05%15.77%22.26%Beats 93%4 / 59
Equity / Assets15.84%9.10%11.51%14.32%Beats 85%9 / 59
Liquidity & Funding
Loans / Deposits66.64%59.62%72.81%85.44%38th pctl36 / 58
Loans / Assets55.81%49.55%64.39%73.73%37th pctl37 / 59
Brokered Deposits / Depositsn/aNot reported for this institution