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Troy Bank & Trust Company
Troy, AL · FDIC Certificate #5598 · Chartered 01/0
Total assets
$1.60B
Total deposits
$1.39B
Total equity
$192.16M
Net loans
$1.04B
Branches (offices)
13
Net income (YTD)
$10.88M
Rank: #704 of 4,213 U.S. banks by assets · #8 of 93 in Alabama. Assets changed 1.3% and deposits 0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 11.29% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 12.00% |
| Tier 1 leverage ratio | 12.83% |
| Uninsured deposits (share of deposits) | 55.1% |
| Noncurrent loans (share of loans) | 1.35% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 74.6% |
| Real estate loans (share of loans) | 74.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $777.37M | 74.8% | |
| Commercial & industrial | $186.55M | 17.9% | |
| Consumer / individual | $25.07M | 2.4% | |
| Construction & development | $86.77M | 8.3% | |
| Agricultural | $12.22M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.46B | $1.33B | $5.75M | $124.54M |
| Jun 2023 | $1.45B | $1.31B | $4.42M | $127.77M |
| Jun 2024 | $1.50B | $1.33B | $7.20M | $157.65M |
| Jun 2025 | $1.58B | $1.39B | $9.65M | $173.70M |
| Jun 2026 | $1.60B | $1.39B | $10.88M | $192.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.39B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.39B.
Similar-sized banks
Landmark National Bank ($1.60B) · Farmers State Bank ($1.60B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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