Troy Bank & Trust Company
Troy, AL · Cert 5598 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Trust No 3 Under Will Charles Henderson
State charter, non-member · FDIC · 13 branches
Q2 2026
$1.6BAssets
$1.1BLoans
$1.4BDeposits
$192.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 59 of 258).
- Widest gap: nonperforming loans / loans trails 84% of banks $1B-$10B in assets operating in a single state (rank 218 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.36%
Rank 93 of 258
Net Interest Margin
3.74%
Rank 84 of 258
Efficiency Ratio
53.16%
Rank 76 of 257
Equity / Assets
12.00%
Rank 59 of 258
Non-interest income vs. expense
Unfavorable gap of $27.5M · efficiency ratio beats 71% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.93% | 1.23% | 1.54% | Beats 64% | 93 / 258 | |
| Return on Equity | 11.33% | 9.26% | 11.84% | 14.74% | Beats 45% | 141 / 258 | |
| Net Interest Margin | 3.74% | 3.16% | 3.49% | 3.88% | Beats 67% | 84 / 258 | |
| Efficiency Ratio | 53.16% | 51.71% | 60.30% | 69.65% | Beats 71% | 76 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.19% | 0.46% | 0.90% | Beats 16% | 218 / 258 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.02% | 0.07% | Beats 18% | 213 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.83% | 11.41% | 12.98% | 15.12% | Beats 47% | 137 / 258 | |
| Total Risk-Based Capital Ratio | 12.83% | 12.10% | 13.91% | 16.08% | Beats 34% | 169 / 258 | |
| Equity / Assets | 12.00% | 9.09% | 10.24% | 11.72% | Beats 77% | 59 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 75.55% | 73.24% | 86.34% | 95.95% | 29th pctl | 183 / 258 | |
| Loans / Assets | 65.79% | 63.01% | 72.27% | 78.40% | 30th pctl | 181 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |