BlastPoint's Banking Scorecard
Loyal Trust Bank
Micro
Specialty: Commercial
GA
FDIC cert 59182
Designations: ✓ Community bank
Johns Creek, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Loyal Trust Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.36% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.26% below tier
- - Non-Interest-Bearing Deposit Share 17.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$243.0M
+26.2% YoY
+4.0% QoQ
|
+$25.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$158.9M
+15.4% YoY
+3.8% QoQ
|
+$19.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$186.0M
+34.6% YoY
+5.3% QoQ
|
+$2.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.43%
-27.4% QoQ
|
-0.66% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.59%
+13.7% YoY
+0.0% QoQ
|
-1.26% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
78.39%
-27.3% YoY
+9.1% QoQ
|
+10.67% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.61%
+379.9% YoY
-42.6% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
85.43%
-14.3% YoY
-1.5% QoQ
|
+10.90% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
5.00%
-4.2% YoY
-13.0% QoQ
|
-17.39% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.93%
+925.0% YoY
+33.8% QoQ
|
+0.48% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
15.60%
-10.2% YoY
-4.3% QoQ
|
+6.74% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.92%
+9.6% YoY
+20.2% QoQ
|
+0.36% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.92%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
5.00%
(Tier avg: 22.39%, National avg: 21.79%)
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
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.60% · Tier avg: 8.85%
63
63th pctile
Total Loans
Current: $158.9M · Tier avg: $139.2M
61
61th pctile
Total Assets
Current: $243.0M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $186.0M · Tier avg: $183.7M
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.43% · Tier avg: 74.53%
23
23th pctile
Efficiency Ratio
Current: 78.39% · Tier avg: 67.73%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.00% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.00% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
23
23th pctile
Efficiency Ratio
Current: 78.39% · Tier avg: 67.73%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.43% · Tier avg: 74.53%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
56
56th pctile
Total Deposits
Current: $186.0M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $243.0M · Tier avg: $217.5M
63
63th pctile
Total Loans
Current: $158.9M · Tier avg: $139.2M
75
75th pctile
Tier 1 Capital Ratio
Current: 15.60% · Tier avg: 8.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%