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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 $2.9MQ3 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