BlastPoint's Banking Scorecard

Loyal Trust Bank

$100M-$1B Specialty: Commercial GA FDIC cert 59182

Designations: ✓ Minority Depository Institution

Johns Creek, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +10.0% year over year ($175.4M on the books).
Delinquency rate 0.25%.
Return on assets 0.26%.
Efficiency ratio 88.16% vs a 64.48% peer average.
Loan-to-deposit ratio 94.77% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

Loyal Trust Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 19.1% in tier
- Credit Quality Pressure: Bottom 24.7% in tier
- Return on Assets 1.06% below tier average
- Net Interest Margin 1.09% below tier average
- Non-Interest-Bearing Deposit Share 17.67% below tier average

Get updates when Loyal Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$235.3M +9.3% YoY +0.7% QoQ	-$151.2M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	34%
Total Loans ?	$166.2M +11.4% YoY +4.1% QoQ	-$92.1M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$175.4M +10.0% YoY +0.8% QoQ	-$151.3M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.26% -53.6% YoY -53.4% QoQ	-1.06%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Bottom 6.6% in tier
Net Interest Margin ?	2.89% +11.3% YoY +5.9% QoQ	-1.09%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Bottom 7.5% in tier
Efficiency Ratio ?	88.16% +18.1% YoY +10.0% QoQ	+23.68%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Bottom 7.2% in tier
Delinquency Rate ?	0.25% +113.4% YoY +44.2% QoQ	-0.67%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	94.77% +1.3% YoY +3.3% QoQ	+16.82%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	4.36% -3.9% YoY +0.7% QoQ	-17.67%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Bottom 3.1% in tier
Nonperforming Asset Ratio ?	0.73% +794.9% YoY +8.1% QoQ	+0.06%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	15.84% -4.8% YoY -0.7% QoQ	-0.07%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.37% -26.4% YoY +106.2% QoQ	-0.20%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	81%

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	4.4% -0.2pp YoY 0.0pp QoQ	-17.8pp	22.1%	26.2%	22.2%	2%
Brokered Deposits	14.3% -4.3pp YoY -0.1pp QoQ	+6.5pp	7.9%	7.5%	8.5%	84%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	5.4% +2.5pp YoY -0.8pp QoQ	-6.2pp	11.6%	9.7%	12.5%	22%
CRE	n/a	n/a	39.5%	48.9%	41.4%	n/a
1-4 Family	34.0% +0.8pp YoY -1.9pp QoQ	+1.4pp	32.6%	31.7%	31.3%	60%
Consumer	0.5% -0.5pp YoY -0.1pp QoQ	-3.7pp	4.1%	4.8%	5.0%	15%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	15.8% -0.8pp YoY -0.1pp QoQ	-3.0pp	18.8%	20.9%	19.7%	56%
Leverage Ratio	10.8% -0.7pp YoY +0.1pp QoQ	-1.4pp	12.2%	14.0%	12.6%	46%
Total Capital Ratio	17.1% -0.7pp YoY 0.0pp QoQ	-2.8pp	19.9%	22.1%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	31 +8 (+34.8%) YoY +2 (+6.9%) QoQ	-28	58	98	482	28%
Assets per Employee ($)	$7.6M -18.9% YoY -5.8% QoQ	+$73K	$7.5M	$7.5M	$8.8M	62%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	34%
Allowance Coverage	4.47x -51.7% YoY -28.6% QoQ	-19.69x	24.15x	38.10x	20.23x	68%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	2.4% -2.4pp YoY -2.8pp QoQ	-9.8pp	12.2%	13.6%	11.6%	7%
Cost of Funds (YTD)	3.3% -0.3pp YoY 0.0pp QoQ	+1.6pp	1.7%	1.6%	1.7%	99%
Net Income ($, YTD)	$307,000 -46.6% YoY — QoQ	-$2.2M	$2.6M	$6.6M	$40.4M	7%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#70 of 361 • Bottom 19.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.16%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#311 of 1256 • Bottom 24.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.25%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

491

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#491 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (5 metrics)

2562

Non-Interest-Bearing Deposit Share

funding

Value: 4.36%

Peer Median: 22.03%

#2562 of 2643 Bottom 3.1% in $100M-$1B

2469

Return on Assets

profitability

Value: 0.26%

Peer Median: 1.32%

#2469 of 2643 Bottom 6.6% in $100M-$1B

2454

Efficiency Ratio

profitability

Value: 88.16%

Peer Median: 64.48%

#2454 of 2643 Bottom 7.2% in $100M-$1B

2446

Net Interest Margin

profitability

Value: 2.89%

Peer Median: 3.99%

#2446 of 2643 Bottom 7.5% in $100M-$1B

2204

Loan-to-Deposit Ratio

liquidity

Value: 94.77%

Peer Median: 77.95%

#2204 of 2643 Bottom 16.6% in $100M-$1B