Troy Bank & Trust Company
Also written as TB&T
BankRegReports is independent of Troy Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Troy Bank & Trust Company is an FDIC-insured commercial bank headquartered in Troy, AL, supervised by the FDIC, with $1.60B in total assets at Q2 2026, up 1.3% from Q2 2025, the 8th largest of 93 banks headquartered in Alabama. It was established in 1906 and holds FDIC certificate 5598. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.83% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5598
- Headquarters
- Troy, AL
- Established
- 1906
- Total assets, Q2 2026
- $1.60B
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 12.83%
- Domestic offices
- 13 · Troy Bank & Trust Company branches FDIC institution directory, current count
- Routing number
- 062101031
- Safety and soundness
- Is Troy Bank & Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · Troy Bank & Trust Company Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- HENDERSON BANCSHARES, INC.
- Asset rank in state
- 8th of 93 in Alabama
Problem loans are rising at Troy Bank & Trust Company. Based in Troy, Alabama, it had $1.6 billion in assets at June 30, 2026, up 1.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.22% of loans from 0.71% a year earlier. It holds about half of its deposits (55%) above the FDIC insurance limit, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 30.9%). On the other hand, it funds 12.83% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.49%).
The commercial and industrial book ($187 million) is worsening: 5.24% of it is past due or on nonaccrual, up from 1.70% a year earlier. Net income for the quarter rose 17% from a year earlier, to $5.9 million. Credit is the area to watch: it carries problem assets equal to 7.4% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
As of June 30, 2026, Troy Bank & Trust Company reported a return on assets of 1.49%, a nonperforming-loan ratio of 1.35% and a Texas ratio of 7.43%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Troy Bank & Trust Company is the 8th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.6% to $1.60B, loans rose 0.8% and deposits rose 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.9%. Its 13 offices in the FDIC Summary of Deposits are in 10 cities in AL; its Troy 3 offices book 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Troy Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1000 Highway 231 S, Troy, AL 36081
- County
- Pike
- Metro Area
- Troy, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 173
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $13.5M
- Net charge-offs (YTD)
- $1.0M
- Average total assets
- $1.59B
- Average total loans
- $1.05B
- Average interest-bearing deposits
- $1.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5598
- Fed RSSD
- 134437
- Parent Holding Company
- HENDERSON BANCSHARES, INC. (RSSD 2349703)
- Ultimate Parent
- TRUST NO. 3 UNDER THE WILL OF CHARLES HENDERSON (RSSD 1080139)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Troy Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Troy Bank & Trust Company's total assets ran between $1.48B (Q3 2023) and $1.62B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.60B total assets against $1.58B; $1.41B total liabilities against $1.41B.
$1.04B net loans and leases against $995.8M; $1.39B total deposits against $1.39B.
$380.2M securities against $384.4M; $94.2M cash and balances due against $113.9M.
$20.9M total interest income against $20.4M; $6.2M total interest expense against $6.9M.
$14.7M net interest income against $13.5M.
$2.3M total noninterest income against $1.9M; $9.1M total noninterest expense against $8.8M.
$450K provision for credit losses against $300K.
$5.9M net income against $5.1M.
1.49% return on assets against 1.30%; 3.87% net interest margin against 3.69%.
12.83% tier 1 leverage ratio against 12.48%.
Inside the full Troy Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Troy Bank & Trust Company rankings
Its closest position to the top of a national ranking is 58 of 980, for uninsured deposits; its furthest is 1,329 of 3,611, for ROA.
Metric pages for Troy Bank & Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.10% (Q3 2024) to 1.49% (Q2 2026) and its net interest margin ran from 3.41% (Q3 2024) to 3.90% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.83% | 1.49% | 1.35% | 7.43% | 3.87% |
| Q1 2026 | 12.85% | 1.22% | 1.24% | 6.59% | 3.90% |
| Q4 2025 | 12.46% | 1.43% | 1.03% | 5.48% | 3.79% |
| Q3 2025 | 12.28% | 1.38% | 0.76% | 4.38% | 3.86% |
| Q2 2025 | 12.48% | 1.30% | 0.92% | 5.12% | 3.69% |
| Q1 2025 | 12.38% | 1.19% | 0.95% | 5.36% | 3.70% |
| Q4 2024 | 12.00% | 1.27% | 0.65% | 4.77% | 3.56% |
| Q3 2024 | 11.93% | 1.10% | 0.58% | 3.88% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Troy Bank & Trust Company (main office) | Troy , AL | 36081 | $826.5M |
| Dothan Branch | Dothan , AL | 36305 | $156.0M |
| Brundidge Main Street Branch | Brundidge , AL | 36010 | $141.7M |
| Peoples Bank of Coffee County - Elba Branch | Elba , AL | 36323 | $85.5M |
| Highway 231 South Branch | Troy , AL | 36081 | $64.0M |
| Enterprise Branch | Enterprise , AL | 36330 | $40.1M |
| Opelika Branch | Opelika , AL | 36801 | $29.6M |
| Auburn Branch | Auburn , AL | 36830 | $15.9M |
| Dothan Branch | Dothan , AL | 36301 | $13.1M |
| New Brockton Branch | New Brockton , AL | 36351 | $9.6M |
| North Three Notch Street Branch | Troy , AL | 36081 | $6.7M |
| Ariton Branch | Ariton , AL | 36311 | $4.8M |
| Goshen Farmers Branch | Goshen , AL | 36035 | $846K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2020 | Structure Change | Acquired The First National Bank of Brundidge Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2008 | Structure Change | Acquired The Peoples Bank of Coffee County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in AL, rank 20 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.9M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Troy Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Troy Bank & Trust Company
What are Troy Bank & Trust Company's total assets?
As of the Q2 2026 filing, Troy Bank & Trust Company reported total assets of $1.60 billion in its FFIEC call report.
Where is Troy Bank & Trust Company headquartered?
It is headquartered in Troy, AL, United States.
When was Troy Bank & Trust Company founded?
It was established in 1906, per the FDIC institution directory.
Is Troy Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Troy Bank & Trust Company?
Troy Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Troy Bank & Trust Company operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Troy Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 7.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Troy Bank & Trust Company.
Get an email when Troy Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Troy Bank & Trust Company, freeFree account