Loyal Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
Loyal Trust Bank is an FDIC-insured commercial bank headquartered in Johns Creek, GA, established in 2019 (FDIC certificate 59182), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $235.3M, up 9.3% from Q2 2025, the 80th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 15.84% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59182
- Headquarters
- Johns Creek, GA
- Established
- 2019
- Total assets, Q2 2026
- $235.3M
- Assets vs Q2 2025
- +9.3%
- CET1 ratio, Q2 2026
- 15.84%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061121465
- Asset rank in state
- 80th of 121 in Georgia
Loyal Trust Bank spends more to run itself than most banks of its size. Based in Johns Creek, Georgia, it had $235 million in assets at June 30, 2026, up 9.3% from a year earlier. It loses about $0.04 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 95 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $24,000 in the quarter. Its margin is thin by comparison: it keeps 3.03 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Loyal Trust Bank reported a CET1 capital ratio of 15.84%, a return on assets of -0.04%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 6.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Loyal Trust Bank is the 80th largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $235.3M, loans rose 4.1% and deposits rose 0.8%. 1-4 family residential loans made up 33.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 29.5%. The FDIC Summary of Deposits lists a single office for it, in Johns Creek, GA. Judged on its Q2 2026 call report, Loyal Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11675 Medlock Bridge Rd, Johns Creek, GA 30097
- County
- Fulton
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 18, 2019
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $175.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $234.3M
- Average total loans
- $163.8M
- Average interest-bearing deposits
- $166.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 18, 2019
- FDIC Cert
- 59182
- Fed RSSD
- 5427684
- Website
- www.loyaltrustbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Loyal Trust Bank's total assets ran between $158.5M (Q3 2023) and $243.0M (Q4 2025), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$235.3M total assets against $215.4M; $210.0M total liabilities against $191.0M.
$166.2M net loans and leases against $149.3M; $175.4M total deposits against $159.5M.
$19.1M securities against $20.3M; $39.4M cash and balances due against $36.6M.
$3.5M total interest income against $3.2M; $1.8M total interest expense against $1.8M.
$1.7M net interest income against $1.3M.
$447K total noninterest income against $530K; $2.0M total noninterest expense against $1.4M.
$130K provision for credit losses against $75K.
-$24K net income against $274K.
-0.04% return on assets against 0.51%; 3.03% net interest margin against 2.57%.
15.84% CET1 capital ratio against 16.65%; 10.77% tier 1 leverage ratio against 11.46%.
Inside the full Loyal Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLoyal Trust Bank rankings
Its closest position to the top of a national ranking is 1,093 of 3,640, for Texas Ratio; its furthest is 3,527 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.33% (Q3 2024) to 0.66% (Q3 2025) and its net interest margin ran from 2.40% (Q3 2024) to 3.03% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.84% | -0.04% | 0.25% | 6.20% | 3.03% |
| Q1 2026 | 15.96% | 0.56% | 0.17% | 6.24% | 2.70% |
| Q4 2025 | 15.60% | -0.01% | 0.60% | 9.06% | 2.54% |
| Q3 2025 | 16.30% | 0.66% | 1.05% | 6.56% | 2.59% |
| Q2 2025 | 16.65% | 0.51% | 0.12% | 0.73% | 2.57% |
| Q1 2025 | 16.89% | 0.61% | 0.12% | 0.73% | 2.51% |
| Q4 2024 | 17.36% | 0.21% | 0.13% | 0.75% | 2.42% |
| Q3 2024 | 18.33% | -0.33% | 0.17% | 0.89% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loyal Trust Bank (main office) | Johns Creek , GA | 30097 | $175.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 118 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 27 loans, $26.0M approved, $965K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Loyal Trust Bank
What are Loyal Trust Bank's total assets?
As of the Q2 2026 filing, Loyal Trust Bank reported total assets of $235.3 million in its FFIEC call report.
Where is Loyal Trust Bank headquartered?
It is headquartered in Johns Creek, GA, United States.
When was Loyal Trust Bank founded?
It was established in 2019, per the FDIC institution directory.
Is Loyal Trust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59182). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Loyal Trust Bank?
Loyal Trust Bank's primary federal regulator is the FDIC.
What is Loyal Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.84% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Loyal Trust Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Loyal Trust Bank's Texas Ratio?
Its Texas Ratio is 6.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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