Troy Bank&Trust Co (FDIC #5598): Bank Stress & Real-Estate Credit Exposure
Troy Bank&Trust Co (FDIC Cert #5598): bank stress 56/100, moderate, STABLE over 7 days; parent TRUST NO 3 UNDER WILL CHARLES HENDERSON.
Troy Bank&Trust Co (#5598) lends in 5 counties across 1 state; Troy Bank&Trust Co (#5598) reaches 56 ZIP codes: Alabama 5 counties, 56 ZIPs.
Troy Bank&Trust Co (#5598) largest markets: Coffee County, AL (48 branches, 16 ZIPs) (#5598), Lee County, AL (30 branches, 15 ZIPs) (#5598), Dale County, AL (14 branches, 14 ZIPs) (#5598), Houston County, AL (28 branches, 14 ZIPs) (#5598), Pike County, AL (45 branches, 9 ZIPs) (#5598).
Troy Bank&Trust Co (#5598) reports $1.60 billion in total assets; Troy Bank&Trust Co (#5598) equity $192.2 million (12.0% of Troy Bank&Trust Co (#5598) assets); Troy Bank&Trust Co (#5598) domestic deposits $1.39 billion; Troy Bank&Trust Co (#5598) net income $10.9 million; Troy Bank&Trust Co (#5598) return on assets 1.37%; Troy Bank&Trust Co (#5598) return on equity 11.29%; Troy Bank&Trust Co (#5598) net interest income $29.5 million; Troy Bank&Trust Co (#5598) call report June 30, 2026.
Troy Bank&Trust Co (#5598) noncurrent real-estate loans: none reported; Troy Bank&Trust Co (#5598) net charge-offs on real estate 0.63%; Troy Bank&Trust Co (#5598) residential charge-offs 0.30%.
Troy Bank&Trust Co (#5598) net interest margin 3.96% against an eight-quarter Troy Bank&Trust Co (#5598) average of 3.74% (Troy Bank&Trust Co (#5598) compression -0.22 points); Troy Bank&Trust Co (#5598) non-residential real estate 30.4% of equity; Troy Bank&Trust Co (#5598) rate-exposure score 40/100, Troy Bank&Trust Co (#5598) fixed-rate trap 40/100; Troy Bank&Trust Co (#5598) risk type credit driven; Troy Bank&Trust Co (#5598) rate regime rates elevated, Troy Bank&Trust Co (#5598) snapshot October 19, 2026.
Troy Bank&Trust Co (#5598) stress score moved from 55.4 on June 22, 2026 to 56.2 on October 19, 2026; Troy Bank&Trust Co (#5598) ranged 55.4 to 56.2 over 116 snapshots.
Troy Bank&Trust Co (#5598) alerts: 5 counties; top Troy Bank&Trust Co (#5598) alert scores: Ariton County, AL 20 (low); Dothan County, AL 20 (low); New Brockton County, AL 20 (low); Opelika County, AL 20 (low); Troy County, AL 20 (low).