Troy Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.26 percentage points higher than in Q1 2026, at 144.92%. Troy Bank & Trust Company ranks 32nd of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 75.55% (Q2 2026). Troy Bank & Trust Company reported 75.55% on loan-to-deposit ratio for Q2 2026, 12.66 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.05B |
| Net loans and leases | $1.04B |
| Loans held for sale | $0 |
| Loans to total assets | 65.79% |
| Loan-to-deposit ratio | 75.55% |
| Net loans to equity capital | 5.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.42% |
| Multifamily (5+ residential) | 3.65% |
| Commercial and industrial | 17.71% |
| Consumer | 2.38% |
| Credit cards | 0.00% |
| Farm | 3.25% |
| Loans to depository institutions | 0.42% |
| State and political subdivisions | 4.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 144.92% |
| Construction concentration (Tier 1 capital + allowance) | 40.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $16.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $925.6M | $1.35B | 30.15% | 18.34% | 2.95% |
| Q4 2023 | $951.8M | $1.38B | 30.87% | 18.88% | 2.92% |
| Q1 2024 | $964.4M | $1.36B | 30.48% | 19.53% | 2.76% |
| Q2 2024 | $977.8M | $1.33B | 30.36% | 20.02% | 2.67% |
| Q3 2024 | $974.8M | $1.33B | 30.02% | 19.16% | 2.71% |
| Q4 2024 | $998.7M | $1.34B | 29.91% | 19.40% | 2.67% |
| Q1 2025 | $995.0M | $1.34B | 32.20% | 20.05% | 2.69% |
| Q2 2025 | $1.01B | $1.39B | 32.72% | 19.08% | 2.59% |
| Q3 2025 | $1.02B | $1.41B | 33.71% | 19.33% | 2.59% |
| Q4 2025 | $1.03B | $1.41B | 33.51% | 19.23% | 2.40% |
| Q1 2026 | $1.05B | $1.35B | 34.34% | 18.51% | 2.45% |
| Q2 2026 | $1.05B | $1.39B | 34.42% | 17.71% | 2.38% |
Troy Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Troy Bank & Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Troy Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5598) · FFIEC NIC profile (RSSD 134437)