Banks in Troy, KS

Bank branch map: Troy

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Troy, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Troy

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: First Option Bank and Exchange Bank & Trust have the most locations in Troy, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Exchange Bank & Trust 1 branch · main office Atchison, KS Bank · 1

Exchange Bank & Trust has 1 branch in Troy, 8 across Kansas and 10 nationwide. FDIC records list its main office in Atchison, KS and show it operating since 1856. With $626.8 million in total assets on June 30, 2026, it ranks No. 1,514 of 4,232 U.S. banks by total assets. The Troy State Branch at 121 S Main St dates to 1906 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Troy State Branch

  121 S Main St, 66087

  Hours: see the bank's site
  DirectionsWebsite

Exchange Bank & Trust: profile, branches and contacts

First Option Bank 1 branch · main office Osawatomie, KS Bank · 1

First Option Bank has 1 branch in Troy, 9 across Kansas and 10 nationwide. FDIC records list its main office in Osawatomie, KS and show it operating since 1923. With $817.6 million in total assets on June 30, 2026, it ranks No. 1,237 of 4,232 U.S. banks by total assets. The 1St Bank Of Troy Branch at 212 S Main St dates to 1870 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 1St Bank Of Troy Branch

  212 S Main St, 66087

  Hours: see the bank's site
  DirectionsWebsite

First Option Bank: profile, branches and contacts

Banking in Troy: the local picture

Short answer: 2 banks run 2 branches in Troy according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Troy, 2 elsewhere in Kansas, according to the FDIC.

The bank with the longest record here is Exchange Bank & Trust, operating since 1856 according to the FDIC. In FDIC branch records, the longest-running branch is First Option Bank's office at 212 S Main St, dating to 1870; the newest is Exchange Bank & Trust's at 121 S Main St, from 1906.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Troy, and where the nearest one is if they do not.

Short answer: No branches in Troy: Chase (nearest in Shawnee, 56 mi), Wells Fargo (nearest in Shawnee, 57 mi), Bank of America (nearest in Kansas City, 49 mi), PNC Bank (nearest in Overland Park, 63 mi), U.S. Bank (nearest in Kansas City, 47 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Shawnee, 55 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Troy to the nearest branch in Kansas.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Troy residents like anyone else.

Banks near Troy

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Atchison (16 miles) and Hiawatha (24 miles). Leavenworth, 35 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Troy

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Troy between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Troy by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Troy offices.

Short answer: First Option Bank is the largest bank with offices in Troy, with $817.6 million in total assets on June 30, 2026, No. 1,237 among U.S. banks by total assets. Exchange Bank & Trust is second with $626.8 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Troy: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.