Troy Bank&Trust Co
Troy, Alabama · FDIC Cert #5598
Troy Bank&Trust Co is an FDIC-insured bank (Certificate #5598) with $1.5B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Troy, Alabama, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.50%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Troy Bank&Trust Co (FDIC cert 5598) is a mid-sized bank with $1.5B in total assets and $1.3B in deposits, based in Troy, Alabama. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.50% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 30.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.21% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Troy Bank&Trust Co carries a composite BankHealth grade of C (59/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Troy Bank&Trust Co
- Total Assets
- $1.5B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.50%
- Liquidity Ratio
- 30.47%
- Return on Assets
- 1.21%
- Headquarters
- Troy, Alabama
- FDIC Certificate
- #5598
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Troy Bank&Trust Co holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Troy Bank&Trust Co to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Troy Bank&Trust Co shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Troy Bank&Trust Co Compares
Troy Bank&Trust Co’s Health Score of 59 is 7 points below the Alabama state average of 66 across 78 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.50% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.21% is in line with or above the national ROA benchmark of ~1.1%. Among 785 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Troy Bank&Trust Co is 11 points below the portfolio average of 70.
Frequently Asked Questions
Troy Bank&Trust Co has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Troy Bank&Trust Co's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.50% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Troy Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5598). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Troy Bank&Trust Co holds $1.5B in total assets and $1.3B in total deposits. It is headquartered in Troy, Alabama (FDIC Certificate #5598).
Troy Bank&Trust Co has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.50%, and the return on assets is 1.21%.
Yes. Troy Bank&Trust Co is FDIC-insured (Certificate #5598). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Troy Bank&Trust Co's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.