Troy Bank & Trust Company

BankTroy, Alabama
http://www.troybankandtrust.com

Total Assets

$1.6B

Total Deposits

$1.4B

Branches

13

Established

1906

TFS Health Grade

$
C-

70.0 / 100

Average financial health

How we grade

Troy Bank & Trust Company is a bank headquartered in Troy, Alabama, established in 1906. With $1.6B in total assets and 13 branch locations, it has a TFS Financial Health Grade of C- (70.0/100).

Capital & Safety

Tier 1 Capital Ratio
12.46%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.03%

Profitability

Return on Assets (ROA)
1.34%(1%)
Return on Equity (ROE)
11.88%(10%)
Net Interest Margin
3.83%
Efficiency Ratio
53.92%(60%)

Lending & Liquidity

Total Loans
$1.0B
Loan-to-Deposit Ratio
72.03%
Net Charge-Off Ratio
0.10%

Growth

Asset Growth (YoY)
+6.94%
Deposit Growth (YoY)
+5.75%
Net Income
$21.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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