BlastPoint's Banking Scorecard
Troy Bank & Trust Company
Community
Specialty: Commercial
AL
FDIC cert 5598
Troy, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Troy Bank & Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+6.9% YoY
+0.9% QoQ
|
+$231.4M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.0B
+3.3% YoY
+0.7% QoQ
|
+$42.7M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.4B
+5.8% YoY
+0.4% QoQ
|
+$248.9M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.34%
+24.4% YoY
+2.9% QoQ
|
+0.18% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.83%
+11.3% YoY
+0.4% QoQ
|
+0.17% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
53.92%
-9.1% YoY
-2.0% QoQ
|
-8.71% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
1.04%
+59.4% YoY
+35.8% QoQ
|
+0.42% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
72.03%
-2.3% YoY
+0.3% QoQ
|
-11.03% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
22.03%
+6.4% YoY
-2.4% QoQ
|
+0.99% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.77%
+39.7% YoY
+23.3% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.45%
-8.5% YoY
+35.1% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#198 of 642 · Bottom 31% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Loan-to-Deposit Ratio
Current: 72.03% · Tier avg: 83.06%
75
75th pctile
Efficiency Ratio
Current: 53.92% · Tier avg: 62.63%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
62
62th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.03% · Tier avg: 21.05%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.63%
Top Weaknesses
25
25th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.03% · Tier avg: 21.05%
62
62th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Efficiency Ratio
Current: 53.92% · Tier avg: 62.63%
78
78th pctile
Loan-to-Deposit Ratio
Current: 72.03% · Tier avg: 83.06%