Banks | Troy Bank & Trust Company

Troy Bank & Trust Company


Troy Bank & Trust Company is an FDIC insured institution headquartered at 1000 Highway 231 S, Troy, AL 36081.
It was founded in 1906 and has approximately $2 billion in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - April 02, 2025

SAVINGS RATES APY MIN
Savings
0.11% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.11% $10,000 Compare
6 Mo CD
0.11% $100,000 Compare
12 Mo CD
0.11% $10,000 Compare
12 Mo CD
0.11% $100,000 Compare
18 Mo CD
0.11% $10,000 Compare
18 Mo CD
0.11% $100,000 Compare
24 Mo CD
0.11% $10,000 Compare
24 Mo CD
0.11% $100,000 Compare
30 Mo CD
0.11% $10,000 Compare
30 Mo CD
0.11% $100,000 Compare
36 Mo CD
0.16% $10,000 Compare
36 Mo CD
0.16% $100,000 Compare
48 Mo CD
0.16% $10,000 Compare
48 Mo CD
0.16% $100,000 Compare
60 Mo CD
0.21% $10,000 Compare
60 Mo CD
0.21% $100,000 Compare
MM RATES APY MIN
Money Market
0.11% $2,500 Compare
Money Market
0.16% $10,000 Compare
Money Market
0.26% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.11% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5598
Date Established 1906
Assets $ 1,517.87 million
Loans $ 961.70 million
Deposits $ 1,334.36 million
Capital $ 169.13 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 51.05 million
Interest-bearing balances $ 36.27 million
Total securities $ 423.83 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 961.70 million
Loan loss allowance $ 13.11 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.34 million
Goodwill and other intangibles $ 7.03 million
All other assets $ 45.03 million
     Total Assets $ 1,348.74 million

LIABILITIES
Total deposits $ 1,334.36 million
      Interest-bearing deposits $ 1,047.34 million
      Deposits held in domestic offices $ 1,334.36 million
      % insured (estimated)" 45.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 11.03 millionn
      Total Liabilities $ 1,348.74 million
      Shareholders’ Equity $ 169.13 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 59.68 million
Total Interest Expense $ 23.92 million
Net interest income $ 35.76 million
Provision for loan and lease losses $ 0.99 million
Total non interest income $ 5.40 million
Total non interest expense $ 25.01 million
Pre-tax Net Operating Income $ 7.09 million

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