The Trust Bank: how it compares with its peers
Against 11 GA banks with half to twice its assets, The Trust Bank's strongest measure in Q2 2026 is net interest margin (7.01% vs. a 4.41% peer median). Its weakest relative measure is assets per employee ($3.1M vs. $4.4M).
| Measure | The Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 0.80% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 7.01% | 4.41% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.88% | 82.65% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.1M | $4.4M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.77% | 67.32% | Context |
What it means for lending operations
Its efficiency ratio of 71.88% is better than the 82.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Talbot State Bank Woodland, GA · $52M
- The Security State Bank Mcrae, GA · $70M
- Apex Banking Company of Georgia Cleveland, GA · $73M
- Southeast First National Bank Summerville, GA · $75M
- The Bank of Edison Edison, GA · $84M
- Bank of Hancock County Sparta, GA · $85M
Questions about The Trust Bank
How big is The Trust Bank?
The Trust Bank, established in 1907, is headquartered in Lenox, GA. It reported $47M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Trust Bank's return on assets?
1.94% annualized in Q2 2026, against a 0.80% median for 11 GA banks with half to twice its assets, ahead of 91% of them.
What is The Trust Bank's efficiency ratio?
71.88% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 82.65%, and lower is better.
Is The Trust Bank growing its loans?
Net loans grew 14.8% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.