TRUST BANK, THE

LENOX, GA | Micro | Est. June 25, 1907, midnight | FDIC #13832 | RSSD #894834 | FDIC
Latest Report: 2025-12-31

TRUST BANK, THE is amn micro FDIC-insured commercial bank headquartered in LENOX, GA, established in June 25, 1907, midnight. As of 2025-12-31, the bank reported total assets of $44M and total deposits of $36M. Profitability stands at 1.67% ROA and 10.49% ROE, with a net interest margin of 6.89%. The bank's CET1 capital ratio is 34.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.99% and a Texas Ratio of 6.04%. FDIC Certificate #13832. The institution operates 1 domestic branch.

Assets

$44M

Deposits

$36M

Loans

$22M

Equity

$7M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 10.49%
Net Interest Margin (NIM) 6.89%
Yield on Assets 7.53%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 1.99%
Net Charge-Off Ratio 0.21%
Texas Ratio 6.04%
NPA Ratio 1.01%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 34.53%
Tier 1 Capital 34.53%
Total Capital Ratio 35.78%
Leverage Ratio 15.67%
Loan-to-Deposit 61.08%

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