Loyal Trust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Loyal Trust Bank of Johns Creek, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.04% | 1.35% | -1.39% | 4th bottom |
| ROAE | -0.38% | 12.06% | -12.44% | 4th bottom |
| Net Interest Margin | 3.03% | 3.90% | -0.87% | 11th bottom |
| Efficiency Ratio | 95.47% | 63.14% | +32.33% | 4th bottom |
| PPNR / Avg Assets | 0.17% | 1.64% | -1.47% | 4th bottom |
| Yield on Earning Assets | 6.27% | 5.65% | +0.62% | 79th top |
| Cost of Funds | 3.57% | 1.84% | +1.73% | 1st bottom |
| Net Interest Spread | 2.60% | 3.35% | -0.75% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.92% | -0.67% | 61st above |
| NPA / Total Assets | 0.73% | 0.67% | +0.06% | 29th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 446.63% | 1645.65% | -1199.02% | 68th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.77% | 7.15% | -0.38% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.84% | 20.83% | -4.99% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.84% | 20.86% | -5.02% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.09% | 21.94% | -4.85% | 57th above |
| Leverage Ratio | 10.77% | 12.46% | -1.69% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.78% | 11.67% | -0.89% | 57th above |
| TCE / Tangible Assets | 10.03% | 11.40% | -1.37% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.83% | 78.64% | +17.19% | 17th bottom |
| Core Deposit Ratio | 65.20% | 87.10% | -21.90% | 3rd bottom |
| Wholesale Funding Ratio | 12.75% | 5.11% | +7.64% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.26% | 6.47% | +2.79% | 80th top |
| Loan Growth (Y/Y) | 11.40% | 7.64% | +3.76% | 78th top |
| Deposit Growth (Y/Y) | 9.99% | 6.02% | +3.97% | 83rd top |
See Loyal Trust Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Loyal Trust Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Loyal Trust Bank profile, how to read a UBPR, or how this data updates.