TROY BANK & TRUST COMPANY

TROY, AL | Large | Est. Jan. 1, 1906, midnight | FDIC #5598 | RSSD #134437 | FDIC
Latest Report: 2025-12-31

TROY BANK & TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in TROY, AL, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 1.45% ROA and 12.42% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 11.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.03% and a Texas Ratio of 6.10%. FDIC Certificate #5598.

Assets

$1.6B

Deposits

$1.4B

Loans

$1.0B

Equity

$192M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 12.42%
Net Interest Margin (NIM) 3.93%
Yield on Assets 5.80%
Cost of Funds 2.96%

Asset Quality

NPL Ratio 1.03%
Net Charge-Off Ratio 0.10%
Texas Ratio 6.10%
NPA Ratio 0.77%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 11.07%
Tier 1 Capital 11.07%
Total Capital Ratio 11.62%
Leverage Ratio 12.46%
Loan-to-Deposit 73.00%

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