Bank · FDIC insured
Troy Bank and Trust
A $1.6B bank headquartered in Troy, AL, with 13 branches in Alabama.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Troy Bank and Trust
Organized in 1906, Troy Bank & Trust is a majority-owned subsidiary of the perpetual, charitable Charles Henderson Trust.
In July 2008, the bank merged with The Peoples Bank of Coffee County, adding branches in Elba, New Brockton, and Enterprise.
- Headquarters
- 1000 Highway 231 S, Troy, AL 36081
- FDIC certificate
- 5598 ↗
Branches
13 branches in Alabama
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Alabama
13 branches
Troy area · 3
- Troy Bank & Trust CompanyMain office1000 Highway 231 S, Troy, AL 36081Directions
- Highway 231 South Branch1429 Highway 231 S, Troy, AL 36081Directions
- North Three Notch Street Branch300 N 3notch St, Troy, AL 36081Directions
Dothan area · 2
- Dothan Branch4971 W Main St, Dothan, AL 36305Directions
- Dothan Branch1315 W Main St, Dothan, AL 36301Directions
Ariton area · 1
- Ariton Branch6 Atlantic St, Ariton, AL 36311Directions
Auburn area · 1
- Auburn Branch2870 E. University Drive, Auburn, AL 36830Directions
Brundidge area · 1
- Brundidge Main Street Branch137 S Main St, Brundidge, AL 36010Directions
Elba area · 1
- Peoples Bank Of Coffee County - Elba Branch429 Claxton Ave N, Elba, AL 36323Directions
Enterprise area · 1
- Enterprise Branch1030 Boll Weevil Cir, Enterprise, AL 36330Directions
Goshen area · 1
- Goshen Farmers Branch301 Greenville Ave, Goshen, AL 36035Directions
New Brockton area · 1
- New Brockton Branch108 W Mckinnon St, New Brockton, AL 36351Directions
Opelika area · 1
- Opelika Branch2701 Frederick Rd, Opelika, AL 36801Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.83% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.35% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.36% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $76 | $88 | — |
- CapitalLeverage ratio12.83%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.35%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.36%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$76Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Troy Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.