LOYAL TRUST BANK

JOHNS CREEK, GA | Small | Est. Nov. 18, 2019, midnight | FDIC #59182 | RSSD #5427684 | FDIC
Latest Report: 2025-12-31

LOYAL TRUST BANK is asn small FDIC-insured commercial bank headquartered in JOHNS CREEK, GA, established in Nov. 18, 2019, midnight. As of 2025-12-31, the bank reported total assets of $243M and total deposits of $186M. Profitability stands at -0.01% ROA and -0.08% ROE, with a net interest margin of 2.65%. The bank's CET1 capital ratio is 15.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.60% and a Texas Ratio of 8.36%. FDIC Certificate #59182.

Assets

$243M

Deposits

$186M

Loans

$161M

Equity

$25M

Profitability

Return on Assets (ROA) -0.01%
Return on Equity (ROE) -0.08%
Net Interest Margin (NIM) 2.65%
Yield on Assets 6.25%
Cost of Funds 3.74%

Asset Quality

NPL Ratio 0.60%
Net Charge-Off Ratio --
Texas Ratio 8.36%
NPA Ratio 0.93%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 15.60%
Tier 1 Capital 15.60%
Total Capital Ratio 16.80%
Leverage Ratio 10.47%
Loan-to-Deposit 86.45%

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