Loyal Trust Bank is a state-chartered bank headquartered in Johns Creek, Georgia, in business for about 7 years. At the end of Q2 2026 it reported $235.3M in total assets and $175.4M in deposits, with 1 office.
Loyal Trust Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 106th. Loan quality contributes the most (92/100, 0.25%); earnings contributes the least (30/100, 0.26%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (71 → 64), mostly because the earnings component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 67 |
| Q4 2024 | 71 |
| Q1 2025 | 74 |
| Q2 2025 | 71 |
| Q3 2025 | 63 |
| Q4 2025 | 62 |
| Q1 2026 | 67 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.42% |
| Q3 2024 | 12.10% |
| Q4 2024 | 12.96% |
| Q1 2025 | 12.32% |
| Q2 2025 | 11.46% |
| Q3 2025 | 11.30% |
| Q4 2025 | 10.47% |
| Q1 2026 | 10.62% |
| Q2 2026 | 10.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.12% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.02% |
| Q3 2024 | -0.13% |
| Q4 2024 | -0.05% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $235.3M | 10.77% | 0.25% | 0.26% | 94.8% |
| Q1 2026 | 67 | $233.7M | 10.62% | 0.17% | 0.56% | 91.7% |
| Q4 2025 | 62 | $243.0M | 10.47% | 0.60% | 0.43% | 85.4% |
| Q3 2025 | 63 | $233.8M | 11.30% | 1.05% | 0.59% | 86.7% |
| Q2 2025 | 71 | $215.4M | 11.46% | 0.12% | 0.56% | 93.6% |
| Q1 2025 | 74 | $210.4M | 12.32% | 0.12% | 0.60% | 91.8% |
| Q4 2024 | 71 | $192.6M | 12.96% | 0.13% | -0.05% | 99.6% |
| Q3 2024 | 67 | $200.1M | 12.10% | 0.17% | -0.13% | 92.2% |
| Q2 2024 | 69 | $198.0M | 12.42% | 0.19% | -0.02% | 90.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of WaynesboroBank Waynesboro, GA | 94 out of 100, Very strong | $229.1M | 19.1% | 0.20% | vs |
| Waycross Bank & TrustBank Waycross, GA | 79 out of 100, Strong | $242.2M | 12.1% | 0.25% | vs |
| Embassy National BankBank Lawrenceville, GA | 74 out of 100, Strong | $227.9M | 11.0% | 0.00% | vs |
| Citizens Community BankBank Hahira, GA | 67 out of 100, Moderate | $221.9M | 8.9% | 0.89% | vs |
| Bank of AlapahaBank Alapaha, GA | 69 out of 100, Moderate | $251.0M | 10.2% | 0.34% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |
Deposit insurance
Is my money safe at Loyal Trust Bank?
Yes. Loyal Trust Bank is an FDIC-insured institution (FDIC certificate #59182). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.5% of deposits ($41.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.09% (benchmark: 10%).
1 location
Branches
Loyal Trust Bank lists 1 office in 1 city. Most locations:
- Johns Creek, GA (1)
Identity & history
Profile
- Legal name
- Loyal Trust Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59182
- RSSD ID
- 5427684
- Primary regulator
- FDIC
- Established
- November 18, 2019
- Headquarters
- 11675 Medlock Bridge Rd, Johns Creek, GA 30097
- Website
- www.loyaltrustbank.com
- Employees
- 31
Quick answers
Loyal Trust Bank: common questions
Is Loyal Trust Bank FDIC insured?
Yes. Loyal Trust Bank is an FDIC-insured institution (FDIC certificate #59182). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Loyal Trust Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Loyal Trust Bank ever failed?
There is no failure record for FDIC certificate #59182 in the FDIC failed bank list.
How many branches does Loyal Trust Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Johns Creek
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |
| Happy Valley Credit UnionCredit union Elizabethton, TN | 86 out of 100, Very strong | $36.9M | 18.3% | 0.82% | vs |