This institution is no longer active
Operations ceased on February 15, 1999. CRA examination history below reflects the period it was active.
THE BANK OF TROY
At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Needs Attention
ROA -0.02%
Is this bank safe?
THE BANK OF TROY earned an Outstanding CRA rating (1997), shows financial metrics that merit closer review (ROA -0.02%). Consumers may want to review the details below before banking here.
Institution Profile
FDIC BankFindAddress
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$57M
Total Deposits
$43M
Net Loans
$27M
Net Income
$-12K
ROA
-0.02%
Below avg for Small banks. Peer avg: 0.44%
ROE
-0.14%
Risk-Based Capital
21.41%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 1997 | Outstanding | Small Bank |
| Apr 1995 | Satisfactory | Not Reported |
| Mar 1993 | Satisfactory | Not Reported |
Rating Over Time
🔒 LockedExam dates and details are paywalled
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