0.56%
−7.1%y/y
Peer standing16th percentile
FDIC
NETINC + ROALT
Loyal Trust Bank
Johns Creek, GeorgiaFDIC Cert #59182
STATEEstablished 20191 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
5.23%
+3.7%y/y
Peer standing17th percentile
FDIC
NETINC + ROE0.75%
−10.7%y/y
Peer standing20th percentile
FDIC
PTAXNETINC + ASSET2.73%
+8.9%y/y
Peer standing6th percentile
FDIC
NIM + NIMY6.10%
+0.8%y/y
Peer standing73rd percentile
FDIC
INTINCY4.53%
−2.1%y/y
Peer standing1st percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
80.13%
+9.2%y/y
Peer standing19th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.62%
+2.6%y/y
Peer standing50th percentile
FDIC
NONIX + ASSET21.30%
−31.1%y/y
Percentile by value92nd percentileby value
FDIC
NONII + NIM+11.07%
+117.8%y/y
Percentile by value85th percentileby value
FDIC
ASSET+12.30%
−9.5%y/y
Percentile by value86th percentileby value
FDIC
DEP+12.20%
−33.7%y/y
Percentile by value80th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.56%16th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE5.23%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY2.73%6th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR80.13%19th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+12.30%86th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+12.20%80th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%64th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ10.62%41st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.53%1st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC182%79th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.56%13th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 1.53%90th 2.40%Observations 128
ROE
FDIC
NETINC + ROE5.23%14th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.24%Median 14.35%90th 21.49%Observations 128
NIM
FDIC
NIM + NIMY2.73%6th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.41%Median 4.46%90th 5.37%Observations 128
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR80.13%13th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.00%Median 59.09%90th 85.17%Observations 128
Deposits YoY
FDIC
DEP+12.30%79th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.29%Median +5.23%90th +19.07%Observations 127
Loans YoY
FDIC
LNLSNET+12.20%66th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.48%Median +8.97%90th +23.88%Observations 126
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.44%90th 2.07%Observations 126
Leverage
FDIC
RBC1AAJ10.62%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 11.22%90th 15.62%Observations 128
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.53%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.30%90th 3.10%Observations 127
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC182%54th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 174%90th 268%Observations 85
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.56%14th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 1.55%90th 2.45%Observations 43
ROE
FDIC
NETINC + ROE5.23%19th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.11%Median 12.54%90th 18.69%Observations 43
NIM
FDIC
NIM + NIMY2.73%10th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.76%Median 4.25%90th 5.41%Observations 43
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR80.13%17th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.47%Median 60.92%90th 85.53%Observations 43
Deposits YoY
FDIC
DEP+12.30%83rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.74%Median +3.53%90th +15.45%Observations 42
Loans YoY
FDIC
LNLSNET+12.20%66th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.67%Median +8.00%90th +20.39%Observations 42
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.44%90th 1.44%Observations 42
Leverage
FDIC
RBC1AAJ10.62%24th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.70%Median 12.11%90th 17.67%Observations 43
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.53%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.15%Median 2.33%90th 2.89%Observations 42
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC182%73rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 18%Median 129%90th 255%Observations 27
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.