Loyal Trust Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 102.79 percentage points in Q2 2026, from 343.85% to 446.63%. It was the largest change from Q1 2026 among the key lines here. Loyal Trust Bank has the 4th lowest return on assets of the 121 banks headquartered in Georgia, at -0.04% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Loyal Trust Bank reported -0.04% on return on assets in Q2 2026, 1.30 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.84% |
| Tier 1 risk-based capital ratio | 15.84% |
| Total risk-based capital ratio | 17.09% |
| Tier 1 leverage ratio | 10.77% |
| Equity capital to assets | 10.78% |
| Tangible equity to tangible assets | 10.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.77% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 446.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.04% |
| Return on equity | -0.38% |
| Net interest margin | 3.03% |
| Efficiency ratio | 95.47% |
| Yield on earning assets | 6.27% |
| Cost of funds | 3.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.83% |
| Core deposits to total deposits | 65.20% |
| Brokered deposits to total deposits | 14.34% |
| Deposits to assets | 74.54% |
| Securities to assets | 8.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.97% | 18.97% | 20.10% | 16.30% | -0.50% |
| Q4 2023 | 19.28% | 19.28% | 20.49% | 13.67% | 0.03% |
| Q1 2024 | 18.85% | 18.85% | 20.02% | 12.62% | 0.09% |
| Q2 2024 | 18.69% | 18.69% | 19.86% | 12.42% | -0.14% |
| Q3 2024 | 18.33% | 18.33% | 19.54% | 12.10% | -0.33% |
| Q4 2024 | 17.36% | 17.36% | 18.45% | 12.96% | 0.21% |
| Q1 2025 | 16.89% | 16.89% | 17.97% | 12.32% | 0.61% |
| Q2 2025 | 16.65% | 16.65% | 17.75% | 11.46% | 0.51% |
| Q3 2025 | 16.30% | 16.30% | 17.50% | 11.30% | 0.66% |
| Q4 2025 | 15.60% | 15.60% | 16.80% | 10.47% | -0.01% |
| Q1 2026 | 15.96% | 15.96% | 17.12% | 10.62% | 0.56% |
| Q2 2026 | 15.84% | 15.84% | 17.09% | 10.77% | -0.04% |
Loyal Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Loyal Trust Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Loyal Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59182) · FFIEC NIC profile (RSSD 5427684)