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Tri-County Bank & Trust Company

Roachdale, IN · Cert 210 · Tri-County Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

4

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tri-County Bank & Trust Company

Roachdale, IN · Cert 210 · Tri-County Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$313.9MAssets
$206.7MLoans
$259.4MDeposits
$23.6MEquity
Loan mix
97%RE $185.0M2%C&I $4.7M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $218.7M16%Noninterest $40.7MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.66%Q2 ’254.57%Q2 ’26+5%+0%

Non-interest income vs. expense

2.36%Q2 ’242.42%Q2 ’252.33%Q2 ’26+4%-3%

Executive Summary

  • Earnings: ROA of 0.36%, up 28 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 3.45% of loans (+303 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 9.09%, down 44 bps from a year ago.
  • Funding: loans stand at 79.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.51%0 bps YoY

Efficiency Ratio (YTD, annualized)

83.45%-219 bps YoY

Tier 1 Leverage Ratio

9.09%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.22%0.30%0.35%0.36%+28 bps
Return on Equity1.11%2.93%3.88%4.41%4.65%+354 bps
Net Interest Margin2.51%2.52%2.54%2.47%2.51%0 bps
Efficiency Ratio85.64%84.34%83.32%83.37%83.45%-219 bps
Non-Interest Burden2.10%2.07%2.06%2.01%2.04%-6 bps
Growth
Asset Growth (YoY)-1.34%-6.66%1.31%4.29%4.80%+615 bps
Loan Growth (YoY)-5.81%-5.90%-6.02%-3.28%-0.59%+522 bps
Deposit Growth (YoY)2.41%-4.22%3.07%4.41%5.19%+278 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.43%0.74%0.93%3.45%+303 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.04%-0.06%-6 bps
Allowance / Loans1.38%1.37%1.35%1.36%1.41%+3 bps
Allowance Coverage of NPLs3.3x3.2x1.8x1.5x0.4x-2.9x
Capital
Tier 1 Leverage Ratio9.53%9.56%9.59%9.50%9.09%-44 bps
Total Risk-Based Capital9.53%9.56%9.59%9.50%9.09%-44 bps
Equity / Assets7.37%8.05%8.01%7.93%7.52%+15 bps
Liquidity & Funding
Loans / Deposits84.30%88.12%84.68%83.35%79.67%-464 bps
Liquid Assets / Assets1.29%1.59%1.42%1.19%1.09%-20 bps
CRE / Total Capitaln/a438%424%431%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tri-County Bank & Trust Company

Roachdale, IN · Cert 210 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Tri-County Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$313.9MAssets
$206.7MLoans
$259.4MDeposits
$23.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 751).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 746 of 755).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.35%

Rank 665 of 755

Net Interest Margin

2.51%

Rank 700 of 755

Efficiency Ratio

83.45%

Rank 655 of 755

Equity / Assets

7.52%

Rank 684 of 755

Non-interest income vs. expense

$0.9M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 13% of banks under $1B in assets operating in a single state
Bank 83.45%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.72%1.06%1.45%Beats 12%665 / 755
Return on Equity4.68%6.66%10.44%13.61%Beats 17%630 / 755
Net Interest Margin2.51%3.15%3.68%4.17%Beats 7%700 / 755
Efficiency Ratio83.45%55.75%64.78%75.61%Beats 13%655 / 755
Asset Quality
Nonperforming Loans / Loans3.45%0.09%0.42%1.05%Beats 4%722 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 751
Capital
Tier 1 Capital Ratio9.09%11.56%13.81%17.74%Beats 1%746 / 755
Total Risk-Based Capital Ratio9.09%11.72%14.46%18.53%Beats 1%746 / 755
Equity / Assets7.52%8.93%10.56%13.13%Beats 9%684 / 755
Liquidity & Funding
Loans / Deposits79.67%62.43%78.62%91.00%52nd pctl363 / 755
Loans / Assets65.83%54.70%67.27%76.55%46th pctl410 / 755
Brokered Deposits / Depositsn/aNot reported for this institution