Tri-County Bank
Total assets
$638.6M
▲ +7.5% YoY
Deposits
$545.6M
▲ +6.3% YoY
Loans
$509.1M
▲ +14.3% YoY
Offices
12
TRI-COUNTY BCORP INC
ROA (annualized)
2.31%
peers 1.28%
ROE (annualized)
18.34%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Tri-County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.9% | +2.6 pts |
| Deposit growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +14.3% | +5.3% | +8.9 pts |
| ROA | 2.31% | 1.28% | +1.0 pts |
| ROE | 18.3% | 12.4% | +5.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
Profile
- Established
- 1889
- Charter
- State
- Primary regulator
- FED
- Holding company
- TRI-COUNTY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 4190 Main St, Brown City, MI, 48416
- County
- Sanilac
- Offices
- 12
- FDIC cert #
- 977
- RSSD ID
- 695349
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $638.6M | $545.6M | $509.1M | $81.9M | $7.2M | 2.31% | 5.08% | 1.05% |
| Q1 2026 | $638.7M | $548.7M | $490.3M | $78.9M | $3.5M | 2.27% | 5.08% | 1.08% |
| Q4 2025 | $604.5M | $517.3M | $468.2M | $76.3M | $12.4M | 2.08% | 4.70% | 0.20% |
| Q3 2025 | $603.3M | $518.6M | $457.5M | $73.3M | $9.4M | 2.11% | 4.61% | 0.42% |
| Q2 2025 | $594.2M | $513.3M | $445.5M | $69.2M | $6.0M | 2.03% | 4.49% | 0.41% |
| Q1 2025 | $593.0M | $515.5M | $430.9M | $66.3M | $2.8M | 1.94% | 4.39% | 0.42% |
| Q4 2024 | $577.7M | $498.7M | $427.6M | $62.3M | $9.7M | 1.70% | 4.09% | 0.40% |
| Q3 2024 | $583.2M | $496.3M | $422.8M | $62.3M | $7.2M | 1.69% | 4.04% | 0.03% |
Loan mix (Q2 2026): real estate $444.3M · commercial $44.6M · consumer $3.4M · securities $90.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.31% | 1.28% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 12.4% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.08% | 3.89% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.5% | 61.2% | 5th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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