BlastPoint's Banking Scorecard
The Trust Bank
Micro
Specialty: Other
GA
FDIC cert 13832
Designations: ✓ Community bank
Lenox, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Trust Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.45% above tier
- + Non-Interest-Bearing Deposit Share 19.02% above tier
- + Tier 1 Capital Ratio 25.68% above tier
- + Non-Interest Income / Assets 0.57% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.0M
+3.3% YoY
-2.6% QoQ
|
-$173.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$21.9M
+6.5% YoY
-7.6% QoQ
|
-$117.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$36.5M
+3.2% YoY
-3.6% QoQ
|
-$147.2M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.95%
-27.1% YoY
-4.3% QoQ
|
+0.87% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
7.30%
-3.5% YoY
-1.1% QoQ
|
+3.45% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
72.71%
+9.4% YoY
+3.2% QoQ
|
+4.98% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
2.02%
+32.5% YoY
+62.5% QoQ
|
+1.38% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
60.16%
+3.2% YoY
-4.2% QoQ
|
-14.37% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
41.41%
+5.6% YoY
-4.8% QoQ
|
+19.02% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
1.01%
+36.6% YoY
+54.2% QoQ
|
+0.55% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
34.53%
+7.9% YoY
+6.6% QoQ
|
+25.68% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
1.14%
+6.9% YoY
+61.9% QoQ
|
+0.57% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.30%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.41%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
34.53%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.14%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 7.30% · Tier avg: 3.85%
98
98th pctile
Tier 1 Capital Ratio
Current: 34.53% · Tier avg: 8.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.41% · Tier avg: 22.39%
93
93th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 72.71% · Tier avg: 67.73%
24
24th pctile
Loan-to-Deposit Ratio
Current: 60.16% · Tier avg: 74.53%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
8
8th pctile
Total Loans
Current: $21.9M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $36.5M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $44.0M · Tier avg: $217.5M
Top Weaknesses
6
6th pctile
Total Assets
Current: $44.0M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $36.5M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $21.9M · Tier avg: $139.2M
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
24
24th pctile
Loan-to-Deposit Ratio
Current: 60.16% · Tier avg: 74.53%
33
33th pctile
Efficiency Ratio
Current: 72.71% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
93
93th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.41% · Tier avg: 22.39%
98
98th pctile
Tier 1 Capital Ratio
Current: 34.53% · Tier avg: 8.85%
100
100th pctile
Net Interest Margin
Current: 7.30% · Tier avg: 3.85%