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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 $2.9MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $22.2M43%Noninterest $17.1MQ2 2025Q2 2026

NIM

7.90%Q2 ’247.56%Q2 ’257.30%Q2 ’26-7%-4%

Non-interest income vs. expense

5.49%Q2 ’245.60%Q2 ’254.68%Q2 ’26-20%+10%

Executive Summary

  • Earnings: ROA of 1.94%, down 47 bps year over year; NIM at 6.64%.
  • Asset quality: problem loans at 1.36% of loans (+4 bps YoY), with net recoveries of 0.03%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.94%-47 bps YoY

Net Interest Margin (quarter, annualized)

6.64%-28 bps YoY

Efficiency Ratio (quarter, annualized)

65.41%+128 bps YoY

Tier 1 Leverage Ratio

16.15%+21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.41%1.17%1.32%1.09%1.94%-47 bps
Return on Equity15.82%7.43%8.28%6.84%12.26%-356 bps
Net Interest Margin6.92%6.52%6.33%6.02%6.64%-28 bps
Efficiency Ratio64.14%69.61%79.10%79.10%65.41%+128 bps
Non-Interest Burden3.78%4.42%4.67%4.66%4.16%+38 bps
Growth
Asset Growth (YoY)9.00%7.44%3.25%0.16%4.71%-429 bps
Loan Growth (YoY)27.41%29.99%6.48%7.64%14.76%-1,264 bps
Deposit Growth (YoY)9.56%7.94%3.16%-2.01%4.49%-507 bps
Asset Quality
Nonperforming Loans / Loans1.32%1.22%1.99%2.09%1.36%+4 bps
Net Charge-Offs / Loans0.07%-0.05%0.83%-0.05%-0.03%-10 bps
Allowance / Loans1.37%1.58%1.51%1.45%1.30%-7 bps
Allowance Coverage of NPLs1.0x1.3x0.8x0.7x1.0x-0.1x
Capital
Tier 1 Leverage Ratio15.95%15.65%15.67%15.86%16.15%+21 bps
Total Risk-Based Capital33.25%33.64%35.78%33.78%31.81%-144 bps
Equity / Assets15.67%15.88%15.89%15.87%15.84%+17 bps
Liquidity & Funding
Loans / Deposits60.68%63.78%61.08%62.71%66.64%+596 bps
Liquid Assets / Assets40.53%38.14%40.96%40.03%35.22%-531 bps
CRE / Total Capitaln/a68.82%69.68%73.78%n/an/a