The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 2 points (69 → 67), mostly because the loan quality component weakened by 14 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Alabama

Yes. Troy Bank & Trust Company is an FDIC-insured institution (FDIC certificate #5598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 55.1% of deposits ($768.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Troy Bank & Trust Company lists 14 offices in 11 cities. Most locations:

• Troy, AL (3)
• Dothan, AL (2)
• Ariton, AL (1)
• Auburn, AL (1)
• Brundidge, AL (1)
• Elba, AL (1)
• Enterprise, AL (1)
• Goshen, AL (1)
• New Brockton, AL (1)
• Opelika, AL (1)
• Phenix City, AL (1)

All branch addresses and map

Legal name

Troy Bank & Trust Company

Type

State-chartered bank

FDIC certificate #

5598

RSSD ID

134437

Primary regulator

FDIC

Holding company

Trust No 3 Under Will Charles Henderson

Established

January 1, 1906

Headquarters

1000 Highway 231 S, Troy, AL 36081

Website

www.troybankandtrust.com

Employees

173