Troy Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 72.80 percentage points lower than in Q1 2026, at 86.25%. Within Alabama, Troy Bank & Trust Company is 23rd of 93 on return on assets, 1.49% as of Q2 2026, above the middle of the field. Troy Bank & Trust Company reported 1.49% on return on assets for Q2 2026, 0.22 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.83% |
| Equity capital to assets | 12.00% |
| Tangible equity to tangible assets | 11.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.49% |
| Non-performing assets ratio | 1.10% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 8.88% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 86.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 12.26% |
| Net interest margin | 3.87% |
| Efficiency ratio | 53.11% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.55% |
| Core deposits to total deposits | 83.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.09% |
| Securities to assets | 23.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.50% | 0.94% | 3.23% | 0.79% | 0.11% |
| Q4 2023 | 10.57% | 0.94% | 2.95% | 0.82% | 0.09% |
| Q1 2024 | 10.65% | 0.82% | 3.13% | 0.56% | 0.03% |
| Q2 2024 | 11.68% | 1.05% | 3.32% | 0.52% | 0.05% |
| Q3 2024 | 11.93% | 1.10% | 3.41% | 0.66% | 0.15% |
| Q4 2024 | 12.00% | 1.27% | 3.56% | 0.69% | 0.09% |
| Q1 2025 | 12.38% | 1.19% | 3.70% | 0.98% | 0.14% |
| Q2 2025 | 12.48% | 1.30% | 3.69% | 0.95% | 0.10% |
| Q3 2025 | 12.28% | 1.38% | 3.86% | 0.80% | 0.09% |
| Q4 2025 | 12.46% | 1.43% | 3.79% | 1.10% | 0.09% |
| Q1 2026 | 12.85% | 1.22% | 3.90% | 0.79% | 0.36% |
| Q2 2026 | 12.83% | 1.49% | 3.87% | 1.49% | 0.04% |
Troy Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Troy Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)