The Trust Bank
BankRegReports is independent of The Trust Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Trust Bank is an FDIC-insured commercial bank headquartered in Lenox, GA, established in 1907 (FDIC certificate 13832), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $47.0M, up 4.7% from Q2 2025, the 120th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 30.56% 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
- 13832
- Headquarters
- Lenox, GA
- Established
- 1907
- Total assets, Q2 2026
- $47.0M
- Assets vs Q2 2025
- +4.7%
- CET1 ratio, Q2 2026
- 30.56%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061206458
- Latest call report
- Q2 2026, FFIEC 051 · The Trust Bank call report
- Holding company
- TRUST HOLDING COMPANY, INC.
- Asset rank in state
- 120th of 121 in Georgia
The Trust Bank earns an unusually wide margin on its lending. Based in Lenox, Georgia, it had $47 million in assets at June 30, 2026, up 4.7% from a year earlier. It keeps 7.24 cents of net interest income on every dollar of earning assets, about double the median of 3.87 cents for the 583 banks with less than $100 million in assets. It also pays an average of 0.79% on its deposits and borrowings, about half the median of 1.53% for banks its size.
Net income for the quarter slipped 17% from a year earlier, to $285,000. Over the same year, loans grew 14.8% and deposits grew 4.5%.
As of June 30, 2026, The Trust Bank reported a CET1 capital ratio of 30.56%, a return on assets of 2.48%, a nonperforming-loan ratio of 1.36% and a Texas ratio of 4.59%. The figures come from its call report filed with the FFIEC.
The Trust Bank ranks as the 120th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.2% to $47.0M, loans rose 11.8% and deposits rose 5.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.8% of total loans, followed by construction and land development loans at 16.4%. The FDIC Summary of Deposits lists 3 offices for it, in Adel, GA, Lenox, GA and Moultrie, GA; its Adel office books 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 50 W Central Ave, Lenox, GA 31637
- County
- Cook
- 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
- June 25, 1907
- Former names
- The Trust Bank (2009)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $39.3M
- Allowance for credit losses
- $341K
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $46.0M
- Average total loans
- $24.4M
- Average interest-bearing deposits
- $22.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 1934
- FDIC Cert
- 13832
- Fed RSSD
- 894834
- Website
- www.thetrustbank.net →
- Parent Holding Company
- TRUST HOLDING COMPANY, INC. (RSSD 2730495)
- Ultimate Parent
- LINDSEY FAMILY TRUST (RSSD 6010430)
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, The Trust Bank's total assets ran between $41.1M (Q2 2024) and $47.3M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$47.0M total assets against $44.9M; $39.5M total liabilities against $37.8M.
$25.9M net loans and leases against $22.5M; $39.3M total deposits against $37.6M.
$1.0M securities against $1.1M; $16.6M cash and balances due against $18.0M.
$840K total interest income against $833K; $76K total interest expense against $71K.
$764K net interest income against $762K.
$60K total noninterest income against $200K; $539K total noninterest expense against $617K.
$0 provision for credit losses against $0.
$285K net income against $345K.
2.48% return on assets against 3.13%; 7.24% net interest margin against 7.59%.
30.56% CET1 capital ratio against 32.00%; 16.15% tier 1 leverage ratio against 15.95%.
Inside the full The Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q1 2026) to 3.13% (Q2 2025) and its net interest margin ran from 6.57% (Q1 2026) to 7.84% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.56% | 2.48% | 1.36% | 4.59% | 7.24% |
| Q1 2026 | 32.53% | 1.37% | 2.09% | 6.55% | 6.57% |
| Q4 2025 | 34.53% | 1.67% | 1.99% | 6.04% | 6.94% |
| Q3 2025 | 32.39% | 1.46% | 1.22% | 3.90% | 7.14% |
| Q2 2025 | 32.00% | 3.13% | 1.32% | 4.11% | 7.59% |
| Q1 2025 | 30.51% | 1.43% | 1.23% | 3.83% | 6.75% |
| Q4 2024 | 32.02% | 2.30% | 1.50% | 4.60% | 7.84% |
| Q3 2024 | 35.53% | 2.51% | 1.52% | 3.93% | 7.62% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Adel Branch | Adel , GA | 31620 | $22.9M |
| The Trust Bank | Lenox , GA | 31637 | $13.6M |
| Moultrie Branch | Moultrie , GA | 31788 | $2.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 168 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $580K approved, $580K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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
Add this badge to your website
Free to use. It shows The Trust Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Trust Bank
What are The Trust Bank's total assets?
As of the Q2 2026 filing, The Trust Bank reported total assets of $47.0 million in its FFIEC call report.
Where is The Trust Bank headquartered?
It is headquartered in Lenox, GA, United States.
When was The Trust Bank founded?
It was established in 1907, per the FDIC institution directory.
Is The Trust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Trust Bank?
The Trust Bank's primary federal regulator is the FDIC.
What is The Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 30.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Trust Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Trust Bank's Texas Ratio?
Its Texas Ratio is 4.59% 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.
What was The Trust Bank previously called?
The charter now named The Trust Bank has also operated as The Trust Bank (2009), per FDIC structure-change records.
Go deeper on The Trust Bank.
Get an email when The Trust Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Trust Bank, freeFree account