# LOYAL TRUST BANK
JOHNS CREEK, GA · FDIC certificate 59182 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $235.3M | |
| Deposits | $175.4M | |
| Loans and leases | $168.1M | |
| Total equity | $25.4M | |
| Loans / deposits | 94.77% (p87 of band) | 73.59% |
| Liquid assets / assets | 24.86% (p32 of band) | |
| Uninsured deposits / deposits | 23.55% (p64 of band) | 19.81% |
| Brokered deposits | 10.69% | |
| Wholesale funding | 23.44% (p97 of band) | |
| FHLB advances / assets | 12.75% | |
| Tier 1 leverage | 10.77% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | -5.62% (p54 of band) | -6.57% |
| AOCI / equity | -0.47% (p46 of band) | |
| ROA (annualized) | 0.26% (p11 of band) | 1.17% |
| Net interest margin | 2.89% (p10 of band) | 3.93% |
| Efficiency ratio | 88.16% (p88 of band) | |
| Noncurrent loans | 0.25% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 446.63% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 13.47% (p44 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-12 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2020-03 | 4 | loans exceed deposits |  |
| 2020-06 | 4 | capital falling | NIM <2.5% |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 1 |  | losing money, expense ratio p90, loans exceed deposits |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | uninsured deposits >50% |  |
| 2021-12 | 0 |  | capital falling, uninsured deposits >50% |
| 2022-03 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2022-06 | 2 | capital falling | NIM <2.5% |
| 2022-09 | 0 |  | uninsured deposits >50%, capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2023-12 | 5 |  | loans exceed deposits |
| 2024-03 | 4 | NIM <2.5% | losing money, expense ratio p90 |
| 2024-06 | 6 | losing money, expense ratio p90 |  |
| 2024-09 | 5 |  | uninsured deposits leaving |
| 2024-12 | 6 | brokered >10%, uninsured deposits leaving | capital falling |
| 2025-03 | 2 |  | NIM <2.5%, losing money, expense ratio p90, uninsured deposits leaving |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

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

- 2021-07-07 [Fulton County deposits $10 million in minority-owned banks - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMlRmQ3pqZGJGdnVTX2hyVl9PalY0dlRWRzZpaUhXTXJTUUlpQjlvaXJtVWdXLUdFVkdxZTVCdjhtQzh1ZC1idFhuMG95Yjdzd0k0ZWFGb005aVNkYWNKOTZBWThaal9XWUh5cFNKS2ZHc3JyM2ZBQ0U0VnZ5VmUxaUlfQnlTUGZ4bFhWZGxpM0xpckFF?oc=5) · FOX 5 Atlanta
- 2020-01-03 [Group proposes to launch first new community bank inside Perimeter in 11 years - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdmRFbTZNYVV3Wlc4aWRIbjRxWTdnbFMzamk3eGdfN3pVbFhmS2Q3NDV3VUZmR0llSFc1Tzd6VExhRHVoRVotbF8zMjJ4b1pDaWRtM1VzbFJRRE40N1A3cHQwbXMxTC1wZlJhVThiWXFwXy1XMWVQeWx4SjRyaWhTYkw1cXpsNk5ObTVEbTFRaHIza1BwRjRmcGYtOHpaRnVNLURVbzh0ejU?oc=5) · The Business Journals
- 2022-03-10 [Metro Atlanta minority banks get $10 million in pandemic rescue money | Where did it go? - 11Alive.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPNUppa2JsUERrMWFmX3VGSXFfZk1UdjQ2Y0dmSEhkOG5PekcxX0hQWDhYV0FUQjlSaTIwQklRN0RvSWIyLS1TdWxhSFVXY0RncGdnS3lvMnY4RVc1bzFIVWR1dzdOcWZIRnJ6R3l6c0hSQ2t2UVpRRzg1cGtIaElRbEZMT0F2VG8xWlBteENIWl8zV3NZRUI1WTRHY0E5U2JBT2RXb1ZEbWlVelU1SnNWdlJQUWowNENmM0djTGpHaU1qak1hTE1rZnkwWXhXdW5abHY0SjRUNFg1OVlNeExrRUxXSENMdjl3Rk5xVjB3YWJNZw?oc=5) · 11Alive.com
- 2022-05-01 [2022 GAT 25 Most Influential Asian Americans in Georgia - Georgia Asian Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOXVUQ01qUEg4aUhXVVZReElJVjMza0hkRHlPbnRxQXdiZXVYandOYnZCbGxuT29JaHNsUEJ5YjBZQjB0OGdzWFhObVFYVzZNT21yY1dxT2xTS1oyODF6cVB3VGt2T1l6X3F0Z2V5TkwwVTJMRjZrcjlqZVdBSWM5T3VGVGJEU0V4UU0wMlk0ZmpjcnlSaW9lQzhCbm5zWFQyRnc?oc=5) · Georgia Asian Times
- 2022-08-05 [Accountability for $10M COVID funds for Fulton Cosmall businesses - 11Alive.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPR0dGMlh2YnpzYmFGdFRrRWFRTGptdTBVOHV1eGFXNlRkakV3M2d2eUllTjhXLW1OR1Q0aE9qMHlkVC16Q29nMklmMm81Uzd2OUdubnBrV252Nm5VNGRBeDdsY0V4WGx6bndkeWlJSV9Tb3lOYndOaEc2dFVNLWxjWVhqVDVQNnJvSzdVRmM3WFVXTEtoV2hBd1ByellTYXR4T2lfUlMwMlFIR1lvSFlGbm4xT0ZabzJKSC01OG5NbWRtZGZNUlhnNHpRLXg?oc=5) · 11Alive.com
- 2019-05-02 [Georgia agency OK's first new traditional community bank in more than 10 years - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNMnJjTHRaTlU5QV9Dc0VfQ1U1QzN2NFVKcUYyTlVaX0huRFRDZnpobGZoVUQycWh1WnNFQ3paSmJuQWttQk15VnE4RkNhVVNFb29GRFhvd3pmSndYTEc5VzBlcUpNZWk1WklyXzBJNzNpNUFQNFZGSjlHbkpvS0dzZWtCbWhmaGZJY0pncFJzMzN2dDhFRXNuamhkNWM4bU9wMFJmZV9rNXJaNHc?oc=5) · The Business Journals
- 2021-04-30 [2021 GAT 25 Most Influential Asian Americans in Georgia - Georgia Asian Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxQLUxyTHNiSXY1SkxfNDhMenNXS1JmZGpPTlpBNG1lN0lkbmVBZmsycVBSZ2M0QVJoTzJYcV9jYVhlVTB5b25Za0YySUZ2U0RaOGVBVGd2b2MtM3ZDYTBuNHVFbjlZUjFXNzNURU9CTWRQcU5uTXp2dE9hVnl6ZVVoWkwtazJfOS1iYWpLaklLMVcyblUyR2FXZ190bzVnQ3M0cEcxQ2JJTlpock0t?oc=5) · Georgia Asian Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59182 (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/46.json (key "59182", 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