# TRUST BANK
LENOX, GA · FDIC certificate 13832 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $47.0M | |
| Deposits | $39.3M | |
| Loans and leases | $26.2M | |
| Total equity | $7.4M | |
| Loans / deposits | 65.77% (p38 of band) | 73.59% |
| Liquid assets / assets | 37.50% (p59 of band) | |
| Uninsured deposits / deposits | 18.38% (p45 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.15% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | -0.43% (p84 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.94% (p84 of band) | 1.17% |
| Net interest margin | 7.01% (p100 of band) | 3.93% |
| Efficiency ratio | 71.88% (p65 of band) | |
| Noncurrent loans | 1.36% (p77 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | 95.52% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 57.67% (p83 of band) | |
| Auto loans | $2.2M (8.51% of loans; DQ 3.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2012-03 | 5 | capital falling, losing money, expense ratio p90, construction >100% equity, uninsured deposits leaving |  |
| 2012-06 | 3 | charge-offs p90, reserve under noncurrent | capital falling, losing money, expense ratio p90, construction >100% equity |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | construction >100% equity |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 1 | reserve under noncurrent | construction >100% equity |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-03 | 2 | reserve under noncurrent, construction >100% equity | charge-offs p90 |
| 2015-06 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2015-09 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2015-12 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2016-03 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 | noncurrent p90 | capital falling |
| 2016-12 | 3 | charge-offs p90 | noncurrent p90 |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | deposits shrinking, assets shrinking |  |
| 2018-03 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2018-06 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2018-09 | 3 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 3 | charge-offs p90 | noncurrent p90, capital falling |
| 2019-06 | 3 | noncurrent p90 | charge-offs p90 |
| 2019-09 | 4 | expense ratio p90 |  |
| 2019-12 | 4 | capital falling | noncurrent p90 |
| 2020-03 | 6 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90, capital falling |
| 2020-06 | 3 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2020-09 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2020-12 | 4 | capital falling |  |
| 2021-03 | 3 |  | capital falling |
| 2021-06 | 1 |  | construction >100% equity, noncurrent p90 |
| 2021-09 | 3 | capital falling, noncurrent p90 |  |
| 2021-12 | 4 | construction >100% equity |  |
| 2022-03 | 3 |  | construction >100% equity |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2022-12 | 2 | noncurrent p90 | charge-offs p90 |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 |  | uninsured deposits leaving |
| 2023-09 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2025-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-17 [Fed hits Georgia bank over government lending expansion; IMF urges banks to share data to fight fraud; and more top stories in today's Bankers' Hours - LinkedIn](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbWs0NEJ2RDFRUGxlem0tMmpyUFBFd2RQV05HOEV4NDkxY3ZUNHR4Y29SYkd4dEE3WnNWZmhCemlxWGRJWlBUck9SNDdxcUJ5Q3k3WngwTTZva3N0ZU50Rko1VTFLU1RBN0NCZnBoSXdPWkhFVVFZclBrVGpub2FPV2RlM2dmRUNtbTBWLXY4NnBnMG9ndU9z?oc=5) · LinkedIn
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2022-11-30 [TD Bank invests $5 million in Citizens Trust Bank, a Minority-Owned Financial Institution Serving the Atlanta Region for Over 100 Years - TD Stories](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNT0tha2M3cU9yOFJybE1pZFNZbGhzSE02d1lseTFuU2U0ZERGemdxeDJFYlpyaUJHNk1tbV9TRUQxTGFGR0hyTFpmRkh3NnVyUW5YdFY1T3hIWURkTDhuaEVuajg0Yk9GODBBUkxaVExGMnR1TGlCVVRZY3Z0UHRvaVZmZWgzcjVFMUJNcW9xN0d5WWpWeWstQXRXeUpsT2xZdVJZd2ZLcFp4V0lXZVBidGtNVW1GSFBsUm8wb2Y3MTk3eFBGYy0zbFRsN1JlSEszX0lwLWJGVkpBT09uUEJta1ZmVVEwdENpanpZWnNmdUFjdWtiSnc1ckFKV0NmdTg?oc=5) · TD Stories
- 2025-01-31 [Citizens Trust Bank Announces Sherry L. Martin, as Senior SBA and GA/TN Commercial Team Leader - PR Newswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNQ1MwVmM1VHVSWHRUQkpvSkhmU011WmNaaVE4MG8zdGtQZ1BLeVZHYTYzbkdJU3RBRXN3NG41MktTdDA2LVRrdnNEUkFZekVXNXkyLThXRTlGNGhWckJKV0ItelI1MDhQbE9XWHphOUtVbzk2ZWhjcjZnWTRHZzZaUENodzRlTnowU1o2eFdnRFdxQ1RrT3BqX0ZvTmFRYlNaaEItd3lnVTN3bGRaUUFlWEFsMWJvMDIwaVctRzYzZ1JOc3M1Y3FFYXdhR2NsNkZYM3BMdEFqeXNFY1NQdTBnLQ?oc=5) · PR Newswire
- 2023-02-24 [Black Banks in Atlanta Continue as Bastion of Fiscal Strength - Governing](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNGtOS0RUd0NEajg0NUk0QmJxemlsUXc4c2gzSGZNR1dCY2F2VUh2UEJsTVFFc3lVbDhCVzYxZndYUmZaZU0yRlhkZHFERWE1SVBGREd2UXdoc3dka1hIclY0SE9yMkN1aUNhM3dxcU9vQVlKMVJnMjNxdGkzT1loN1pXYVhXdEJOZmFnZzBROEhvaUpLaXQ0LVdoWQ?oc=5) · Governing
- 2025-02-06 [Historic marker honors Black-owned Citizens Trust Bank and its legacy - SaportaReport](https://news.google.com/rss/articles/CBMixAFBVV95cUxPYTJMcXlFYWp3Q1ptTFpBODUwOTBNbEt6cXpGU0tveG05SS1pRUJ4NlQwaFEzR2FpNTNyZXk3Rm1LWFFtY3RzTklpZ1NKQU1uR2FJNVI1ak5sOU9CSXhORlY0YjlDY0JUTHlvUEc5ZTRMX0ZJSWxIZzBXeWY4UVhfQnd1NHZvOXJISXhjUHg1OEwyUEJEWl8zekdGeHBGUFFUa3BMMjFwOXJnWDBtM2taMEFJUlVkcUxQVUtKOHVSR2dNSWxG?oc=5) · SaportaReport
- 2025-10-07 [FinTechs’ Roadmap to Scale Includes Bank Charters - PYMNTS.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQemlxSmljUlhlNTJZR3BodjBSaWVYNnpQYzQ0RWdzaVI5SE1hd0I0UE1CODEyNUdZX09MNUxsazJJcGhGMndUd0FkeG1PUWxsTGN3M0ZBN2VSZFU2eU5wYUZNdnhuU3NtWGZSR0hIRkN2djJzR3JCeFdwdFkyUU15WEc0VkpKTnFMOTgwLUs0eTdJZ3Jo?oc=5) · PYMNTS.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13832 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "13832", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide