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Loyal Trust Bank
Johns Creek, GA · FDIC Certificate #59182 · Chartered 11/1
Total assets
$235.33M
Total deposits
$175.41M
Total equity
$25.37M
Net loans
$166.23M
Branches (offices)
1
Net income (YTD)
$307.00K
Rank: #2,784 of 4,213 U.S. banks by assets · #81 of 123 in Georgia. Assets changed 9.3% and deposits 10.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.26% |
| Return on equity | 2.42% |
| Net interest margin (YTD) | 2.89% |
| Equity to assets | 10.78% |
| Tier 1 leverage ratio | 10.77% |
| Uninsured deposits (share of deposits) | 23.5% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.8% |
| Real estate loans (share of loans) | 95.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $158.34M | 95.3% | |
| Commercial & industrial | $8.98M | 5.4% | |
| Consumer / individual | $766.00K | 0.5% | |
| Construction & development | $3.42M | 2.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $125.22M | $101.23M | $577.00K | $23.83M |
| Jun 2023 | $142.37M | $115.55M | -$913.00K | $23.30M |
| Jun 2024 | $198.02M | $134.60M | -$24.00K | $23.49M |
| Jun 2025 | $215.39M | $159.47M | $575.00K | $24.40M |
| Jun 2026 | $235.33M | $175.41M | $307.00K | $25.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $175.41M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $175.41M.
Similar-sized banks
Cypress Bank, SSB ($235.54M) · Home Loan State Bank ($235.28M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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