Tri-County Trust Company
Glasgow, MO · Cert 11465 · Peer group: banks under $1B in assets (n=557-606)
State charter, non-member · 1 branch
Q1 2026
$60.5MAssets
$41.5MLoans
$50.6MDeposits
$7.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 79% of banks under $1B in assets (rank 129 of 604).
- Widest gap: brokered deposits / deposits trails 77% of banks under $1B in assets (rank 440 of 568).
- Overall: at or above the peer median on 5 of 10 directional measures.
Return on Assets
1.12%
Rank 255 of 604
Net Interest Margin
4.13%
Rank 129 of 604
Efficiency Ratio
68.01%
Rank 302 of 603
Equity / Assets
11.50%
Rank 230 of 604
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 50% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.58% | 1.00% | 1.47% | Beats 58% | 255 / 604 | n/a | |
| Return on Equity | 9.72% | 5.38% | 9.60% | 13.62% | Beats 51% | 298 / 604 | n/a | |
| Net Interest Margin | 4.13% | 3.01% | 3.52% | 4.07% | Beats 79% | 129 / 604 | n/a | |
| Efficiency Ratio | 68.01% | 58.15% | 68.01% | 80.27% | Beats 50% | 302 / 603 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.08% | 0.39% | 1.12% | Beats 27% | 409 / 558 | n/a | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 31% | 388 / 557 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 12.84% | 11.15% | 13.69% | 18.60% | Beats 43% | 347 / 604 | n/a | |
| Total Risk-Based Capital Ratio | 12.84% | 11.56% | 14.21% | 19.70% | Beats 36% | 385 / 604 | n/a | |
| Equity / Assets | 11.50% | 8.81% | 10.34% | 13.22% | Beats 62% | 230 / 604 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 81.89% | 63.31% | 78.59% | 92.04% | 56th pctl | 253 / 570 | n/a | |
| Loans / Assets | 68.58% | 50.80% | 66.73% | 77.27% | 54th pctl | 277 / 606 | n/a | |
| Brokered Deposits / Deposits | 4.72% | n/a | n/a | 3.83% | Beats 23% | 440 / 568 | n/a | |