Dongola, IL · Cert 12098 · Tri-County Holdings Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.53% | 0.70% | 0.64% | 0.78% | 0.50% | 0.67% | 0.82% | +18 bps | |
| Return on Equity | 3.26% | 5.41% | 7.20% | 6.52% | 7.83% | 4.89% | 6.79% | 8.70% | +218 bps | |
| Net Interest Margin | 3.67% | 3.85% | 3.80% | 3.88% | 3.89% | 3.94% | 3.80% | 4.05% | +18 bps | |
| Efficiency Ratio | 90.91% | 84.99% | 80.80% | 82.63% | 79.33% | 86.99% | 81.59% | 78.15% | -448 bps | |
| Non-Interest Burden | 3.27% | 3.17% | 2.91% | 3.06% | 2.91% | 3.32% | 2.96% | 2.99% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 5.08% | 0.34% | 2.75% | 4.80% | 0.81% | 9.17% | 7.58% | +483 bps | |
| Loan Growth (YoY) | 11.69% | 12.94% | 2.64% | 4.97% | 3.61% | 3.79% | 5.10% | 3.25% | -172 bps | |
| Deposit Growth (YoY) | 1.56% | 3.02% | -0.26% | 2.16% | 4.73% | 1.93% | 9.55% | 7.98% | +582 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 1.51% | 0.34% | 0.31% | 0.35% | 0.27% | 0.28% | 0.26% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.07% | -0.02% | -0.02% | 0.24% | 0.05% | 0.05% | -0.02% | 0 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.12% | 1.10% | 1.02% | 1.00% | 0.99% | 0.99% | -11 bps | |
| Allowance Coverage of NPLs | 3.6x | 0.7x | 3.4x | 3.6x | 2.9x | 3.7x | 3.5x | 3.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.47% | 10.48% | 10.42% | 10.16% | 10.33% | 10.34% | 10.03% | 9.81% | -36 bps | |
| Total Risk-Based Capital | 20.35% | 19.81% | 20.96% | 19.72% | 19.78% | 20.34% | 20.79% | 20.02% | +31 bps | |
| Equity / Assets | 10.02% | 9.58% | 9.87% | 9.83% | 10.10% | 10.19% | 9.46% | 9.51% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.30% | 57.07% | 55.38% | 57.40% | 58.66% | 58.11% | 53.13% | 54.88% | -252 bps | |
| Liquid Assets / Assets | 26.68% | 30.31% | 27.10% | 22.34% | 21.00% | 20.42% | 19.85% | 19.00% | -334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 104.59% | 69.19% | 75.77% | n/a | n/a | |