TRUST NO 3 UNDER WILL CHARLES HENDERSON is the parent banking group. TROY BANK & TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

TRUST NO 3 UNDER WILL CHARLES HENDERSON

Legal name: TRUST NO. 3 UNDER THE WILL OF CHARLES HENDERSON

1 active bank · 1 merged/absorbed · $1.6B combined assets

RSSD ID: 1080139 (FFIEC NIC)

Combined Assets

$1.6B

CRA Rating Summary

Satisfactory1charter

Across all 14 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTROY BANK & TRUST COMPANYTROY, ALSatisfactory$1.6BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.6B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.4B

Net Income

$5M

ROA (avg)

1.25%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2018Lender rankings →

Aggregated HMDA data across all active charters for 2018.

Applications

325

Origination Rate

84.31%

Denial Rate

6.15%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
TROY BANK & TRUST COMPANY	TROY, AL	FDIC	$1.6B	Satisfactory	Sep 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.