Side-by-side · Q2 2026 data
Bank of Alapaha vs Loyal Trust Bank
Metric by metric
| Measure | Bank of Alapaha | Loyal Trust Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 52 | 58 (stronger) |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 46 (stronger) | 30 |
| Funding & liquidity | 84 (stronger) | 56 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 40th | 26th |
| Total assets | $251.0M | $235.3M |
| Deposits / shares | $230.0M | $175.4M |
| Capital ratio | 10.23% | 10.77% (stronger) |
| Problem loans | 0.34% | 0.25% (stronger) |
| Net charge-offs | -0.11% (stronger) | 0.00% |
| Return on assets | 0.65% (stronger) | 0.26% |
| Loans ÷ deposits | 53.8% (stronger) | 94.8% |
| Uninsured deposits | 29.7% | 23.5% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Alapaha has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Alapaha leads on 4 and Loyal Trust Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.