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
Unfavorable gap of $2.0M · efficiency ratio beats 24% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.94% | 1.46% | 1.76% | Beats 51% | 29 / 59 | |
| Return on Equity | 9.27% | 7.92% | 11.60% | 15.10% | Beats 32% | 40 / 59 | |
| Net Interest Margin | 6.27% | 3.66% | 4.24% | 4.75% | Beats 98% | 1 / 59 | |
| Efficiency Ratio | 71.88% | 51.87% | 60.25% | 70.24% | Beats 24% | 46 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.36% | 0.10% | 0.36% | 0.89% | Beats 17% | 49 / 58 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 52% | 29 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 30.56% | 11.93% | 15.65% | 21.05% | Beats 93% | 4 / 59 | |
| Total Risk-Based Capital Ratio | 31.81% | 12.05% | 15.77% | 22.26% | Beats 93% | 4 / 59 | |
| Equity / Assets | 15.84% | 9.10% | 11.51% | 14.32% | Beats 85% | 9 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 66.64% | 59.62% | 72.81% | 85.44% | 38th pctl | 36 / 58 | |
| Loans / Assets | 55.81% | 49.55% | 64.39% | 73.73% | 37th pctl | 37 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |