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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