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The Trust Bank
Lenox, GA · FDIC Certificate #13832 · Chartered 06/2
Total assets
$46.96M
Total deposits
$39.34M
Total equity
$7.44M
Net loans
$25.87M
Branches (offices)
3
Net income (YTD)
$439.00K
Rank: #4,056 of 4,213 U.S. banks by assets · #121 of 123 in Georgia. Assets changed 4.7% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 12.20% |
| Net interest margin (YTD) | 7.01% |
| Equity to assets | 15.84% |
| Tier 1 leverage ratio | 16.15% |
| Uninsured deposits (share of deposits) | 18.4% |
| Noncurrent loans (share of loans) | 1.36% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 65.8% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $21.56M | 83.3% | |
| Commercial & industrial | $1.48M | 5.7% | |
| Consumer / individual | $2.99M | 11.6% | |
| Construction & development | $4.29M | 16.6% | |
| Agricultural | $144.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $50.71M | $45.33M | $574.00K | $5.19M |
| Jun 2023 | $47.82M | $41.66M | $854.00K | $6.04M |
| Jun 2024 | $41.15M | $34.36M | $656.00K | $6.65M |
| Jun 2025 | $44.85M | $37.64M | $513.00K | $7.03M |
| Jun 2026 | $46.96M | $39.34M | $439.00K | $7.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $39.34M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $39.34M.
Similar-sized banks
State Bank Of Lake Park ($47.00M) · First State Bank ($46.76M)
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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