The Trust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Trust Bank of Lenox, GA against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.48% | 3.14% | -0.66% | 89th top |
| ROAE | 15.62% | 10.41% | +5.21% | 81st top |
| Net Interest Margin | 7.24% | 3.93% | +3.31% | 100th top |
| Efficiency Ratio | 65.29% | 76.31% | -11.02% | 60th above |
| PPNR / Avg Assets | 2.48% | 1.40% | +1.08% | 89th top |
| Yield on Earning Assets | 7.96% | 5.35% | +2.61% | 99th top |
| Cost of Funds | 0.79% | 1.71% | -0.92% | 88th top |
| Net Interest Spread | 6.58% | 3.31% | +3.27% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.35% | 1.34% | +0.01% | 24th bottom |
| NPA / Total Assets | 0.75% | 0.71% | +0.04% | 24th bottom |
| NCO / Avg Loans | -0.03% | 0.11% | -0.14% | 89th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.30% | 1.49% | -0.19% | 56th above |
| ACL / NPLs (Coverage) | 96.60% | 865.62% | -769.02% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.59% | 8.25% | -3.66% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 30.56% | 61.95% | -31.39% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 30.56% | 61.95% | -31.39% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 31.81% | 62.92% | -31.11% | 68th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.15% | 17.61% | -1.46% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.84% | 16.42% | -0.58% | 71st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.84% | 16.17% | -0.33% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.64% | 72.84% | -6.20% | 51st above |
| Core Deposit Ratio | 99.21% | 88.20% | +11.01% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.71% | 4.30% | +0.41% | 62nd above |
| Loan Growth (Y/Y) | 14.76% | 6.71% | +8.05% | 87th top |
| Deposit Growth (Y/Y) | 4.49% | 3.77% | +0.72% | 63rd above |
See The Trust Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Trust Bank profile, how to read a UBPR, or how this data updates.