Call reports 2026
TROY BANK & TRUST COMPANY — 2026
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,560,774,000 | 1,600,939,000 |
| Total loans | 1,045,327,000 | 1,053,328,000 |
| Allowance for loan losses | 13,195,000 | 13,543,000 |
| Securities available for sale | 386,762,000 | 380,203,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,350,331,000 | 1,394,276,000 |
| Interest-bearing deposits | 1,030,971,000 | 1,055,304,000 |
| Noninterest-bearing deposits | 319,360,000 | 338,972,000 |
| Equity capital | 194,349,000 | 192,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 21,226,000 | 42,080,000 |
| Interest expense | 6,396,000 | 12,550,000 |
| Net interest income | 14,830,000 | 29,530,000 |
| Noninterest income | 1,894,000 | 4,209,000 |
| Noninterest expense | 8,792,000 | 17,937,000 |
| Provision for loan losses | 450,000 | 900,000 |
| Pretax income | 6,393,000 | 13,813,000 |
| Income tax | 1,432,000 | 2,928,000 |
| Net income | 4,961,000 | 10,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 207,254,000 | 202,822,000 |