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Loyal Trust Bank

Johns Creek, GA · Cert 59182

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

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 the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

10

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

Loyal Trust Bank

Johns Creek, GA · Cert 59182

State charter, non-member · FDIC · 1 branch

Q2 2026

$235.3MAssets
$168.1MLoans
$175.4MDeposits
$25.4MEquity
Loan mix
93%RE $150.6M6%C&I $9.9M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $167.8M4%Noninterest $7.6MQ2 2025Q2 2026

NIM

5.84%Q2 ’245.69%Q2 ’255.91%Q2 ’26+12%+16%

Non-interest income vs. expense

3.38%Q2 ’242.52%Q2 ’253.08%Q2 ’26-39%+53%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #52 of 81 inst. · $0.2B of $255.1B

Executive Summary

  • Earnings: ROA of 0.26%, down 30 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.25% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.77%, down 69 bps from a year ago.
  • Funding: loans stand at 95.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+37 bps YoY

Efficiency Ratio (YTD, annualized)

88.16%+1,349 bps YoY

Tier 1 Leverage Ratio

10.77%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.59%0.43%0.56%0.26%-30 bps
Return on Equity4.78%5.14%3.81%5.23%2.42%-236 bps
Net Interest Margin2.40%2.41%2.29%2.60%2.78%+37 bps
Efficiency Ratio74.67%71.88%78.39%80.13%88.16%+1,349 bps
Non-Interest Burden1.53%1.41%1.58%1.93%2.34%+81 bps
Growth
Asset Growth (YoY)8.77%16.81%26.22%11.07%9.26%+49 bps
Loan Growth (YoY)21.85%22.09%15.49%12.20%11.40%-1,044 bps
Deposit Growth (YoY)18.48%29.99%34.57%12.30%9.99%-849 bps
Asset Quality
Nonperforming Loans / Loans0.12%1.05%0.60%0.17%0.25%+13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.07%1.17%1.18%1.07%1.11%+3 bps
Allowance Coverage of NPLs9.3x1.1x2.0x6.3x4.5x-4.8x
Capital
Tier 1 Leverage Ratio11.46%11.30%10.47%10.62%10.77%-69 bps
Total Risk-Based Capital17.75%17.50%16.80%17.12%17.09%-67 bps
Equity / Assets11.33%10.74%10.35%10.89%10.78%-55 bps
Liquidity & Funding
Loans / Deposits94.61%87.72%86.45%92.73%95.83%+122 bps
Liquid Assets / Assets15.71%19.25%20.65%16.78%14.61%-110 bps
CRE / Total Capitaln/a375%379%372%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

Loyal Trust Bank

Johns Creek, GA · Cert 59182 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20)

State charter, non-member · FDIC · 1 branch

Q2 2026

$235.3MAssets
$168.1MLoans
$175.4MDeposits
$25.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 19).
  • Widest gap: return on equity trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 20).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.26%

Rank 19 of 20

Net Interest Margin

2.78%

Rank 18 of 20

Efficiency Ratio

88.16%

Rank 19 of 20

Equity / Assets

10.78%

Rank 12 of 20

Non-interest income vs. expense

$1.7M$7.2MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 10% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 88.16%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%1.08%1.42%1.85%Beats 5%19 / 20
Return on Equity2.42%9.57%13.48%17.30%Beats 5%19 / 20
Net Interest Margin2.78%3.38%3.99%4.50%Beats 10%18 / 20
Efficiency Ratio88.16%47.39%61.42%73.60%Beats 10%19 / 20
Asset Quality
Nonperforming Loans / Loans0.25%0.05%0.79%1.63%Beats 68%7 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio15.84%13.64%16.79%19.57%Beats 45%11 / 20
Total Risk-Based Capital Ratio17.09%14.77%17.61%20.82%Beats 45%11 / 20
Equity / Assets10.78%9.66%10.94%13.62%Beats 40%12 / 20
Liquidity & Funding
Loans / Deposits95.83%70.35%84.66%95.83%75th pctl5 / 20
Loans / Assets71.43%62.58%72.89%77.86%40th pctl12 / 20
Brokered Deposits / Depositsn/aNot reported for this institution