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The Trust Bank

Lenox, GA
IDRSSD: 894834
Total Assets
$45.21M
Latest filing
Total Deposits
$37.84M
Latest filing
Net Interest Margin
7.32%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date06/25/1907
Community BankYes
Ownership TypeNot Mutual
ZIP31637
State and County Number13075
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees20
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance02/05/1934
Primary Insurance AgencyDIF
Websitewww.thetrustbank.net
Data Updated11/14/2025
CERT13832
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$45.21M
Total Deposits$37.84M
Total Liabilities$38.03M
Total Equity Capital$7.18M
Net Income$168.00k
Net Loans and Leases$23.75M
Assets Per Employee ($Millions)$2.66M
Bank Premises and Fixed Assets$1.92M
Cash and Balances due from Depository Institutions$17.07M
Deposits Held in Domestic Offices$37.84M

Key Performance Ratios

Return on Assets (ROA)1.49%
Return on Equity (ROE)9.46%
Net Interest Margin7.32%
Efficiency Ratio69.61%
Tier 1 Risk-Based Capital Ratio32.389%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.65%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets15.881%
Earning Assets to total Assets90.66%

Income and Expense

Total Interest Income$816.00k
Total Noninterest Income$45.00k
Total Interest Expense$68.00k
Total Noninterest Expense$552.00k
Net Interest Income$748.00k
Pre-tax Net Operating Income$168.00k
Provision for Credit Losses$73.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$197.00k
Total Liabilities and Capital$45.21M

Securities

Securities$1.04M
Available-for-sale debt securities$0
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$1.04M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Trust Bank?
$45.21M as of the latest filing.
How much are The Trust Bank's total deposits?
$37.84M in total deposits.
Where is The Trust Bank located?
Lenox, GA.
What is the Net Interest Margin?
7.32%.
How many domestic offices does it operate?
3.
When was it established?
06/25/1907.
What is the Return on Assets (ROA)?
1.49%.
How much are total loans and leases?
$23.75M (latest filing).
What is the total interest income (latest filing)?
$816.00k.