BlastPoint's Banking Scorecard
The Trust Bank
Designations: ✓ Community bank
Lenox, GA
3 branches across GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits +4.5% year over year ($39.3M on the books).
- Delinquency rate 1.38%.
- Return on assets 1.94%.
- Efficiency ratio 71.88% vs a 119.40% peer average.
- Loan-to-deposit ratio 65.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Trust Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.09% above tier average
- + Non-Interest-Bearing Deposit Share 19.97% above tier average
- + ROA 0.94% above tier average
- + Efficiency Ratio 47.52% below tier average
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.0M
+4.7% YoY
+4.2% QoQ
|
-$15.5M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$25.9M
+14.8% YoY
+12.0% QoQ
|
-$9.0M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$39.3M
+4.5% YoY
+5.3% QoQ
|
-$12.3M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.94%
-16.7% YoY
+40.0% QoQ
|
+0.94% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 12.7% in tier |
| Net Interest Margin ? |
7.01%
-5.4% YoY
+4.7% QoQ
|
+3.09% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 0.1% in tier |
| Efficiency Ratio ? |
71.88%
+1.4% YoY
-9.1% QoQ
|
-47.52% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
1.38%
+2.9% YoY
-35.1% QoQ
|
-0.10% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
65.77%
+9.9% YoY
+6.4% QoQ
|
-8.44% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
43.46%
+1.0% YoY
+5.5% QoQ
|
+19.97% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 6.2% in tier |
| Nonperforming Asset Ratio ? |
0.76%
+12.9% YoY
-30.2% QoQ
|
-0.08% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
30.56%
-4.5% YoY
-6.1% QoQ
|
+3.43% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Top 14.4% in tier |
| Non-Interest Income / Assets ? |
0.25%
-58.6% YoY
+95.3% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
43.5%
+0.4pp YoY +2.3pp QoQ |
+18.8pp | 24.6% | 26.2% | 22.2% | 93% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.7%
+2.7pp YoY +1.3pp QoQ |
-7.7pp | 13.4% | 9.7% | 12.5% | 25% |
| CRE | n/a | n/a | 25.2% | 48.9% | 41.4% | n/a |
| 1-4 Family |
55.6%
+8.5pp YoY +1.3pp QoQ |
+20.6pp | 35.0% | 31.7% | 31.3% | 77% |
| Consumer |
11.6%
-3.3pp YoY -0.8pp QoQ |
+3.9pp | 7.7% | 4.8% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
30.6%
-1.4pp YoY -2.0pp QoQ |
-8.1pp | 38.7% | 20.9% | 19.7% | 74% |
| Leverage Ratio |
16.2%
+0.2pp YoY +0.3pp QoQ |
-1.5pp | 17.7% | 14.0% | 12.6% | 76% |
| Total Capital Ratio |
31.8%
-1.4pp YoY -2.0pp QoQ |
-7.9pp | 39.7% | 22.1% | 20.8% | 74% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
-5 (-25.0%) YoY -2 (-11.8%) QoQ |
+3 | 12 | 98 | 482 | 73% |
| Assets per Employee ($) |
$3.1M
+39.6% YoY +18.1% QoQ |
-$3.1M | $6.2M | $7.5M | $8.8M | 9% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 6 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.3pp YoY |
-0.9pp | 1.0% | 0.1% | 0.4% | 7% |
| Nonaccrual |
1.4%
+0.4pp YoY -0.8pp QoQ |
-0.4pp | 1.7% | 0.8% | 1.0% | 65% |
| Allowance Coverage |
0.96x
-7.5% YoY +38.3% QoQ |
-5.45x | 6.41x | 38.10x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
-3.0pp YoY +3.5pp QoQ |
+5.8pp | 6.4% | 13.6% | 11.6% | 73% |
| Cost of Funds (YTD) |
0.7%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.6% | 1.7% | 13% |
| Net Income ($, YTD) |
$439,000
-14.4% YoY — QoQ |
+$121K | $317,817 | $6.6M | $40.4M | 67% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.