High Trust Bank


280 Country Club Drive
Stockbridge, GA 30281
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

High Trust Bank is an FDIC insured institution located in Stockbridge, GA. It was founded in 1966 and has approximately $0.18 billion in assets.

Closed by FDIC on July 15, 2011 and assets transferred to Ameris Bank.

FDIC Insured Yes
FDIC Certificate # 19554
Date Established 1966
Assets $ 180.34 million
Loans $ 129.93 million
Deposits $ 177.22 million
Capital $ 2.56 million

For a more detailed analysis of High Trust Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for High Trust Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.567% 2.500% 0.88 $2,216 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to High Trust Bank
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Financial Details

High Trust Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of High Trust Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
High Trust Bank U.S. Bank Average
974.66% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, High Trust Bank had $37,428,000 in non-current loans and $24,278,000 in owned real estate. To cover these potential losses it had $2,561,000 in equity and $3,770,000 in loans loss reserves. That gives it a Texas Ratio of 974.66%.

Return on Equity
High Trust Bank U.S. Bank Average
-230.94% 7.80%

High Trust Bank has a Return on Equity of -230.94% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

High Trust Bank U.S. Bank Average
1.42% 12.68%

High Trust Bank has a Capitalization of 1.42% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

High Trust Bank Balance Sheet Analysis

As of June 30, 2011, High Trust Bank had assets of $180,340,000, loans of $129,927,000, and deposits of $177,221,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 129.93 million
Loan loss allowance $ 3.77 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 24.28 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 177.22 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 180.34 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in High Trust Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, High Trust Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About High Trust Bank

Branches and Savings

Is High Trust Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19554.

Why does High Trust Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are High Trust Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is High Trust Bank a commercial bank?


Where are High Trust Bank locations?

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Is High Trust Bank open on Saturdays?

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Are High Trust Bank ATMs Open 24/7?

Do High Trust Bank ATMs accept cash deposits?

Can High Trust Bank customers use other ATMs?

Do High Trust Bank branches have notaries?

Will High Trust Bank notarize my document?

What address for High Trust Bank should I put for incoming ACH transfers?

Will the High Trust Bank branch print checks?

Do High Trust Bank checks expire?

Does High Trust Bank require US citizenship to open account?

Can High Trust Bank close my account?

Does High Trust Bank Report to credit bureaus?

Does High Trust Bank Use Equifax?

What is High Trust Bank's ACH Routing Number?

What is High Trust Bank's SWIFT code?


Does High Trust Bank offer mortgages?

Compare mortgage rates here.

Does High Trust Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does High Trust Bank offer personal loans?

Compare personal loan rates here.

Does High Trust Bank offer student loans?

Will High Trust Bank cash a check?

Will High Trust Bank redeem a savings bond?

Does High Trust Bank cash savings bonds?

Will High Trust Bank cash money orders?

Can High Trust Bank issue a money order?

Does High Trust Bank do currency exchange?

Background on The Bank

Who owns High Trust Bank?

How long has High Trust Bank been around?

Can High Trust Bank transfer to other banks?

Does High Trust Bank have quick pay?

Does High Trust Bank accept rolled coins?

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