Banks in Troy, PA

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: 4 banks and credit unions operate 4 locations in Troy, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 1 publish opening hours.

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 and credit unions in Troy

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

Short answer: First Citizens Community Bank, Citizens & Northern Bank and Chemung Canal Trust have the most locations in Troy, with 1 each. 3 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.

Chemung Canal Trust 1 branch · main office Elmira, NY Bank · 1

Chemung Canal Trust has 1 branch in Troy, 2 across Pennsylvania and 30 nationwide. FDIC records list its main office in Elmira, NY and show it operating since 1833. With $2.82 billion in total assets on June 30, 2026, it ranks No. 458 of 4,232 U.S. banks by total assets. The Troy Branch at 159 Canton St dates to 2002 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Troy Branch

  159 Canton St, 16947

  Hours: see the bank's site
  DirectionsWebsite

Chemung Canal Trust: profile, branches and contacts

Citizens & Northern Bank 1 branch · main office Wellsboro, PA Bank · 1

Citizens & Northern Bank has 1 branch in Troy, 34 across Pennsylvania and 35 nationwide. FDIC records list its main office in Wellsboro, PA and show it operating since 1864. With $3.14 billion in total assets on June 30, 2026, it ranks No. 412 of 4,232 U.S. banks by total assets. The Troy Branch at 64 Elmira St dates to 1971 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Troy Branch

  64 Elmira St, 16947

  Hours: see the bank's site
  DirectionsWebsite

Citizens & Northern Bank: profile, branches and contacts

First Citizens Community Bank 1 branch · main office Mansfield, PA Bank · 1

First Citizens Community Bank has 1 branch in Troy, 37 across Pennsylvania and 44 nationwide. FDIC records list its main office in Mansfield, PA and show it operating since 1932. With $3.19 billion in total assets on June 30, 2026, it ranks No. 403 of 4,232 U.S. banks by total assets. The Troy Branch at 1133 W Main St dates to 1895 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Troy Branch

  1133 W Main St, 16947

  Hours: see the bank's site
  DirectionsWebsite

First Citizens Community Bank: profile, branches and contacts

Guthrie Community Credit Union 1 office · main office Sayre, PA Credit union · 1

Guthrie Community Credit Union has 1 office in Troy, 2 across Pennsylvania. It is based in Sayre, PA and $124.4 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.

Who can join: see the credit union's site.

• Troy Office

  454 Canton St, 16947

  (570) 297-2440Today 9 am to 4:30 pm

  All hours

  Mon to Wed 9 am to 4:30 pm; Thu 9 am to 5:30 pm; Fri 8 am to 6 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Guthrie Community Credit Union: profile, branches and contacts

Join a credit union in Troy

1 credit union has 1 office here: Guthrie Community Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Troy page has every office in the state's directory.

Banking in Troy: the local picture

Short answer: 3 banks run 3 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 3 banks, 0 have their main office in Troy, 2 elsewhere in Pennsylvania and 1 out of state, according to the FDIC.

The bank with the longest record here is Chemung Canal Trust, operating since 1833 according to the FDIC. In FDIC branch records, the longest-running branch is First Citizens Community Bank's office at 1133 W Main St, dating to 1895; the newest is Chemung Canal Trust's at 159 Canton St, from 2002.

The only credit union with an office here is Guthrie Community Credit Union.

Of the 1 location with published hours. None open on Saturday. 3 locations have no published hours in these sources.

Saturday hours in Troy

Short answer: None of the 1 Troy location with published hours lists Saturday hours. 3 locations do not publish hours in these sources; call ahead.

Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 3 of the 4 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

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 Wilkes Barre, 60 mi), Wells Fargo (nearest in Dallas, 54 mi), Bank of America (nearest in Whitehall, 104 mi), PNC Bank (nearest in Williamsport, 39 mi), U.S. Bank, Truist (nearest in Williamsport, 38 mi), Fifth Third Bank, Huntington (nearest in Chicora, 164 mi), Regions Bank, TD Bank (nearest in Allentown, 105 mi), BMO.

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 Pennsylvania.

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 Canton (10 miles) and Mansfield (15 miles). Towanda, 17 miles away, has the most banks nearby: 4.

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 Citizens Community Bank is the largest bank with offices in Troy, with $3.19 billion in total assets on June 30, 2026, No. 403 among U.S. banks by total assets. Citizens & Northern Bank is second with $3.14 billion. 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.