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
Unfavorable gap of $6.3M · efficiency ratio beats 13% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.72% | 1.06% | 1.45% | Beats 12% | 665 / 755 | |
| Return on Equity | 4.68% | 6.66% | 10.44% | 13.61% | Beats 17% | 630 / 755 | |
| Net Interest Margin | 2.51% | 3.15% | 3.68% | 4.17% | Beats 7% | 700 / 755 | |
| Efficiency Ratio | 83.45% | 55.75% | 64.78% | 75.61% | Beats 13% | 655 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.45% | 0.09% | 0.42% | 1.05% | Beats 4% | 722 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 9.09% | 11.56% | 13.81% | 17.74% | Beats 1% | 746 / 755 | |
| Total Risk-Based Capital Ratio | 9.09% | 11.72% | 14.46% | 18.53% | Beats 1% | 746 / 755 | |
| Equity / Assets | 7.52% | 8.93% | 10.56% | 13.13% | Beats 9% | 684 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 79.67% | 62.43% | 78.62% | 91.00% | 52nd pctl | 363 / 755 | |
| Loans / Assets | 65.83% | 54.70% | 67.27% | 76.55% | 46th pctl | 410 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |