Total Assets
$44M
Total balance-sheet footings
FDIC Cert #13832 · Lenox, Georgia · Est. 1907
The Trust Bank - FDIC Bank Health Profile
A community-scale look at The Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $44M
- Total assets
- A
- Health grade · Excellent
- 1.95%
- Return on assets
- 34.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Trust Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 34.53% Tier 1, profitable at 1.95% ROA, 73% efficiency ratio.
- #4,161
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 34.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Trust Bank's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Trust Bank's composite health score
Tier 1 Capital Ratio (34.53%) 40/40
Return on Assets (ROA) (1.95%) 25/25
Texas Ratio (6.04%) 16/20
Efficiency Ratio (72.71%) 4/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$36M
Customer-funded liabilities
Net Loans
$22M
Outstanding loan book
Net Income
$867K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Trust Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Trust Bank's score of 85/100 falls in the highlighted band.
The Trust Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Trust Bank's $44M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
34.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
34.53%
Texas Ratio
6.04%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.95%
Return on Equity (ROE)
12.60%
Efficiency Ratio
72.71%
What the numbers say about The Trust Bank
The Trust Bank is an FDIC-insured institution (Certificate #13832) headquartered in Lenox, Georgia, established in 1907. It holds $44M in total assets - 4,161st of 4,313 FDIC-insured banks, $36M in customer deposits, and $22M in net loans. Looking at capital strength, Tier 1 stands at 34.53%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.04%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Trust Bank ranks 128th of 129 banks based in Georgia -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$500K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Trust Bank reports a Texas Ratio of 6.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Trust Bank (FDIC Cert #13832) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is The Trust Bank's health grade?▼
The Trust Bank receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Trust Bank?▼
The Trust Bank holds $44M in total assets and $36M in deposits, ranking 4,161st of 4,313 FDIC-insured banks by asset size. It is headquartered in Lenox, Georgia.
Is my money safe at The Trust Bank?▼
Yes, deposits at The Trust Bank (Certificate #13832) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Trust Bank's Tier 1 Capital Ratio?▼
The Trust Bank has a Tier 1 Capital Ratio of 34.53%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Trust Bank?▼
The Trust Bank has a Texas Ratio of 6.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Trust Bank?▼
The Trust Bank has an Efficiency Ratio of 72.71%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Trust Bank's profile as a depositor or analyst.
- The Trust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Trust Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.