Headquartered in Lenox, Georgia, The Trust Bank is a state-chartered bank with $47.0M in total assets and $39.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1907.
The Trust Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 25th. Capital cushion contributes the most (100/100, 16.15%); loan quality contributes the least (55/100, 1.36%).
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 2 points (88 → 86), mostly because the funding & liquidity component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 86 |
| Q4 2024 | 87 |
| Q1 2025 | 83 |
| Q2 2025 | 88 |
| Q3 2025 | 89 |
| Q4 2025 | 82 |
| Q1 2026 | 76 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.79% |
| Q3 2024 | 16.49% |
| Q4 2024 | 15.06% |
| Q1 2025 | 14.23% |
| Q2 2025 | 15.95% |
| Q3 2025 | 15.65% |
| Q4 2025 | 15.67% |
| Q1 2026 | 15.86% |
| Q2 2026 | 16.15% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.50% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.99% |
| Q1 2026 | 2.09% |
| Q2 2026 | 1.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.96% |
| Q3 2024 | 2.80% |
| Q4 2024 | 2.68% |
| Q1 2025 | 1.53% |
| Q2 2025 | 2.32% |
| Q3 2025 | 2.04% |
| Q4 2025 | 1.95% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $47.0M | 16.15% | 1.36% | 1.94% | 65.8% |
| Q1 2026 | 76 | $45.1M | 15.86% | 2.09% | 1.38% | 61.8% |
| Q4 2025 | 82 | $44.0M | 15.67% | 1.99% | 1.95% | 60.2% |
| Q3 2025 | 89 | $45.2M | 15.65% | 1.22% | 2.04% | 62.8% |
| Q2 2025 | 88 | $44.9M | 15.95% | 1.32% | 2.32% | 59.8% |
| Q1 2025 | 83 | $45.0M | 14.23% | 1.23% | 1.53% | 56.3% |
| Q4 2024 | 87 | $42.6M | 15.06% | 1.50% | 2.68% | 58.3% |
| Q3 2024 | 86 | $42.1M | 16.49% | 1.52% | 2.80% | 52.1% |
| Q2 2024 | 88 | $41.1M | 15.79% | 1.39% | 2.96% | 51.3% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Talbot State BankBank Woodland, GA | 30 out of 100, Low | $51.7M | 7.8% | 2.35% | vs |
| The Security State BankBank Mcrae, GA | 91 out of 100, Very strong | $70.5M | 14.1% | 0.59% | vs |
| First City BankBank Alpharetta, GA | 73 out of 100, Strong | $23.0M | 194.3% | 0.00% | vs |
| Apex Banking Company of GeorgiaBank Cleveland, GA | 70 out of 100, Strong | $72.6M | 9.7% | 0.03% | vs |
| Southeast First National BankBank Summerville, GA | 74 out of 100, Strong | $74.9M | 11.7% | 0.06% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
Deposit insurance
Is my money safe at The Trust Bank?
Yes. The Trust Bank is an FDIC-insured institution (FDIC certificate #13832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.4% of deposits ($7.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 31.81% (benchmark: 10%).
3 locations
Branches
The Trust Bank lists 3 offices in 3 cities. Most locations:
- Adel, GA (1)
- Lenox, GA (1)
- Moultrie, GA (1)
Identity & history
Profile
- Legal name
- The Trust Bank
- Former names
- Bank of Lenox
- Type
- State-chartered bank
- FDIC certificate #
- 13832
- RSSD ID
- 894834
- Primary regulator
- FDIC
- Holding company
- Lindsey Family Trust
- Established
- June 25, 1907
- Headquarters
- 50 W Central Ave, Lenox, GA 31637
- Website
- www.thetrustbank.net
- Employees
- 15
Quick answers
The Trust Bank: common questions
Is The Trust Bank FDIC insured?
Yes. The Trust Bank is an FDIC-insured institution (FDIC certificate #13832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Trust Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Trust Bank ever failed?
There is no failure record for FDIC certificate #13832 in the FDIC failed bank list.
How many branches does The Trust Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lenox
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Colquitt County Teacher Federal Credit UnionCredit union Moultrie, GA | 95 out of 100, Very strong | $10.3M | 23.6% | 0.12% | vs |
| South Georgia Banking CompanyBank Omega, GA | 85 out of 100, Very strong | $570.1M | 13.9% | 0.55% | vs |
| Moultrie Bank & TrustBank Moultrie, GA | 82 out of 100, Strong | $150.6M | 14.1% | 0.10% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Southeastern Credit UnionCredit union Valdosta, GA | 73 out of 100, Strong | $440.7M | 10.8% | 0.41% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |