🏦Bank Scorer

This institution is no longer active

Operations ceased on January 16, 2004. CRA examination history below reflects the period it was active.

THE TROY SAVINGS BANK

TROY, NY · Supervised by FDIC

Est. 1823FDIC #16,073RSSD: FDIC-16073
Part ofTROY FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: June 2002

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

32 Second Street, TROY, NY

County

Rensselaer County

Established

April 23, 1823

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2002

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 24 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2003Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$827M

Net Loans

$739M

Net Income

$11M

ROA

0.98%

ROE

8.17%

Risk-Based Capital

15.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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