Troy Bank & Trust Company
Troy, AL
IDRSSD: 134437
Total Assets
$1.62B
Latest filing
Total Deposits
$1.41B
Latest filing
Net Interest Margin
3.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062101031TROY, AL
Key People
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Locations
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Main Office
Troy Bank & Trust Company
1000 Highway 231 S
Troy, AL 36081
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1906FDIC Certificate 3811
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Troy Bank & Trust Company (Main) | 1000 Highway 231 S | Troy, AL |
| BRUNDIDGE MAIN STREET BRANCH | 137 S Main St | Brundidge, AL |
| GOSHEN FARMERS BRANCH | 301 Greenville Ave | Goshen, AL |
| NORTH THREE NOTCH STREET BRANCH | 300 N 3notch St | Troy, AL |
| NEW BROCKTON BRANCH | 108 W Mckinnon St | New Brockton, AL |
| ARITON BRANCH | 6 Atlantic St | Ariton, AL |
| HIGHWAY 231 SOUTH BRANCH | 1429 Highway 231 S | Troy, AL |
| PEOPLES BANK OF COFFEE COUNTY - ELBA BRANCH | 429 Claxton Ave N | Elba, AL |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36081 |
| State and County Number | 01109 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Troy, AL |
Operational Info
| Number of Employees | 169 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/05/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.troybankandtrust.com |
| Data Updated | 01/30/2026 |
| CERT | 5598 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.62B |
| Total Deposits | $1.41B |
| Total Liabilities | $1.43B |
| Total Equity Capital | $191.94M |
| Net Income | $5.86M |
| Net Loans and Leases | $1.02B |
| Assets Per Employee ($Millions) | $9.9M |
| Bank Premises and Fixed Assets | $26.42M |
| Cash and Balances due from Depository Institutions | $94.93M |
| Deposits Held in Domestic Offices | $1.41B |
Key Performance Ratios
| Return on Assets (ROA) | 1.45% |
| Return on Equity (ROE) | 12.42% |
| Net Interest Margin | 3.86% |
| Efficiency Ratio | 50.82% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.828% |
| Earning Assets to total Assets | 93.63% |
Income and Expense
| Total Interest Income | $21.54M |
| Total Noninterest Income | $1.94M |
| Total Interest Expense | $6.95M |
| Total Noninterest Expense | $8.41M |
| Net Interest Income | $14.59M |
| Pre-tax Net Operating Income | $7.47M |
| Provision for Credit Losses | $650.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.91M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.32M |
| Total Liabilities and Capital | $1.62B |
Securities
| Securities | $423.04M |
| Available-for-sale debt securities | $423.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Troy Bank & Trust Company?
$1.62B as of the latest filing.
How much are Troy Bank & Trust Company's total deposits?
$1.41B in total deposits.
Where is Troy Bank & Trust Company located?
Troy, AL.
What is the Net Interest Margin?
3.86%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
1.45%.
How much are total loans and leases?
$1.02B (latest filing).
What is the total interest income (latest filing)?
$21.54M.