Troy Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Troy Bank & Trust Company of Troy, AL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.49% | 1.46% | +0.03% | 65th above |
| ROAE | 12.26% | 12.72% | -0.46% | 49th below |
| Net Interest Margin | 3.87% | 3.85% | +0.02% | 61st above |
| Efficiency Ratio | 53.11% | 57.41% | -4.30% | 66th above |
| PPNR / Avg Assets | 1.98% | 1.88% | +0.10% | 67th above |
| Yield on Earning Assets | 5.47% | 5.72% | -0.25% | 46th below |
| Cost of Funds | 1.81% | 2.02% | -0.21% | 61st above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.49% | 1.00% | +0.49% | 18th bottom |
| NPA / Total Assets | 1.10% | 0.76% | +0.34% | 21st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 46th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.31% | -0.02% | 68th above |
| ACL / NPLs (Coverage) | 86.25% | 543.64% | -457.39% | 23rd bottom |
| Texas Ratio | 8.88% | 7.39% | +1.49% | 27th below |
| Provision / NCO | 86.62% | 618.99% | -532.37% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.83% | 11.44% | +1.39% | 83rd top |
| Equity / Assets | 12.00% | 11.33% | +0.67% | 75th top |
| TCE / Tangible Assets | 11.62% | 10.50% | +1.12% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.55% | 86.96% | -11.41% | 77th top |
| Core Deposit Ratio | 83.43% | 85.56% | -2.13% | 29th below |
| Uninsured Deposit Ratio | 55.11% | 33.11% | +22.00% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.27% | 9.69% | -8.42% | 23rd bottom |
| Loan Growth (Y/Y) | 4.40% | 8.06% | -3.66% | 43rd below |
| Deposit Growth (Y/Y) | 0.12% | 7.87% | -7.75% | 20th bottom |
See Troy Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Troy Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Troy Bank & Trust Company profile, how to read a UBPR, or how this data updates.