Loyal Trust Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 10.8. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Comm re (42%), home mtgs (24%), cash (17%), securities (8%), comm loans (4%), consumer loans (0%), other (5%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
11675 Medlock Bridge Road
Johns Creek, GA 30097
Johns Creek, GA 30097
Phone Number
(678) 783-8018
Year Founded
2019
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.