Troy Bank&Trust Co
Troy, Alabama · FDIC Cert #5598
This is the FDIC profile for Troy Bank&Trust Co, an FDIC-insured bank (Certificate #5598) with $1.5B in total assets and $1.3B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Troy, Alabama, the bank maintains a Tier 1 capital ratio of 11.68% (Well-Capitalized) and a nonperforming loan ratio of 0.50%. BankHealthData assigns a composite Health Grade of A (85/100) based on quarterly FDIC filings. 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.
Capital position is adequate: Tier 1 capital ratio of 11.68% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. 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 mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Troy Bank&Trust Co carries a composite BankHealth grade of A (85/100) 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
- 11.68%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.50%
- Liquidity Ratio
- 30.47%
- Return on Assets
- 1.21%
- Headquarters
- Troy, Alabama
- FDIC Certificate
- #5598
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Troy Bank&Trust Co files quarterly Call Reports with the FDIC under Certificate #5598. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Troy Bank&Trust Co holds a Tier 1 capital ratio of 11.68%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Troy Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Troy Bank&Trust Co shows strong financial health indicators. With $1.5B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 85 is 3 points above the Alabama state average of 82 across 78 FDIC-insured banks. Its 11.68% Tier 1 capital ratio is 2.3 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 78, meaning this bank ranks above its size cohort. Site-wide, Troy Bank&Trust Co is 5 points above the portfolio average of 80.
Frequently Asked Questions
Troy Bank&Trust Co has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.68%, which is above 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 11.68% and nonperforming loan ratio of 0.50% indicate a low 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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #5598 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Troy Bank&Trust Co has a Tier 1 capital ratio of 11.68%, classifying it as "Well-Capitalized." 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. 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 indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.