Troy Bank & Trust Company: how it compares with its peers
Against 18 AL banks with half to twice its assets, Troy Bank & Trust Company's strongest measure in Q2 2026 is efficiency ratio (53.12% vs. a 61.57% peer median). Its weakest relative measure is return on assets (1.37% vs. 1.22%).
| Measure | Troy Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.22% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.70% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.12% | 61.57% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $7.5M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.58% | 69.41% | Context |
What it means for lending operations
Its efficiency ratio of 53.12% is better than the 61.57% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- United Bank Atmore, AL · $1.48B
- Peoples Bank of Alabama Cullman, AL · $1.42B
- First Bank of Alabama Talladega, AL · $1.36B
- SouthPoint Bank Birmingham, AL · $1.36B
- Citizens Bank & Trust Guntersville, AL · $1.20B
- Metro Bank Pell City, AL · $1.18B
Questions about Troy Bank & Trust Company
How big is Troy Bank & Trust Company?
Troy Bank & Trust Company, established in 1906, is headquartered in Troy, AL. It reported $1.60B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Troy Bank & Trust Company's return on assets?
1.37% annualized in Q2 2026, against a 1.22% median for 18 AL banks with half to twice its assets, ahead of 67% of them.
What is Troy Bank & Trust Company's efficiency ratio?
53.12% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 61.57%, and lower is better.
Is Troy Bank & Trust Company growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 0.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.