| Metric | TriCentury Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.4% | +7.0 pts |
| Deposit growth (YoY) | +16.9% | +4.0% | +12.9 pts |
| Loan growth (YoY) | +11.8% | +5.6% | +6.3 pts |
| ROA | 1.68% | 1.24% | +0.4 pts |
| ROE | 15.7% | 11.9% | +3.8 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $213.8M | $135.1M | $177.0M | $22.9M | $1.7M | 1.68% | 4.09% | 0.00% |
| Q1 2026 | $212.6M | $134.6M | $167.9M | $22.0M | $823K | 1.61% | 4.02% | 0.00% |
| Q4 2025 | $196.2M | $118.8M | $169.9M | $21.8M | $3.0M | 1.62% | 4.12% | 0.00% |
| Q3 2025 | $192.2M | $115.2M | $164.6M | $21.0M | $2.2M | 1.58% | 4.07% | 0.00% |
| Q2 2025 | $192.0M | $115.6M | $158.3M | $20.7M | $1.5M | 1.58% | 3.99% | 0.00% |
| Q1 2025 | $189.1M | $111.5M | $150.0M | $19.9M | $683K | 1.51% | 3.92% | 0.00% |
| Q4 2024 | $173.1M | $96.2M | $138.9M | $19.8M | $2.6M | 1.55% | 4.00% | 0.00% |
| Q3 2024 | $167.9M | $90.7M | $133.5M | $19.6M | $1.9M | 1.59% | 4.01% | 0.00% |
Loan mix (Q2 2026): real estate $162.5M · commercial $13.6M · consumer $1.8M · securities $1.0M
| Ratio | TriCentury Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.5% | 62.9% | 6th |
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% |
| Ratio | TriCentury 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% |
| Ratio | TriCentury Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | TriCentury 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% |
| Ratio | TriCentury 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% |
| Ratio | TriCentury Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2025) · $135.1M branch deposits. Biggest market: Johnson, KS, ranked 48th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Johnson, KS | 1 | $76.3M | 0.27% | 48th |
| Douglas, KS | 1 | $43.5M | 1.01% | 20th |
| Miami, KS | 1 | $15.2M | 1.65% | 7th |
Kansas: 153rd with 0.11% · Kansas City metro: 85th, 0.09% · Lawrence metro: 20th, 1.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).