Tri-County Bank & Trust Company
Roachdale, IN · Cert 210 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 743).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 737 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.35%
Rank 655 of 746
Net Interest Margin
2.51%
Rank 693 of 746
Efficiency Ratio
83.45%
Rank 650 of 746
Equity / Assets
7.52%
Rank 676 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.72% | 1.06% | 1.45% | Beats 12% | 655 / 746 | | |
| Return on Equity | 4.68% | 6.74% | 10.51% | 13.63% | Beats 16% | 623 / 746 | | |
| Net Interest Margin | 2.51% | 3.17% | 3.68% | 4.16% | Beats 7% | 693 / 746 | | |
| Efficiency Ratio | 83.45% | 55.74% | 64.58% | 75.47% | Beats 13% | 650 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.45% | 0.09% | 0.42% | 1.07% | Beats 4% | 714 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.09% | 11.55% | 13.75% | 17.60% | Beats 1% | 737 / 746 | | |
| Total Risk-Based Capital Ratio | 9.09% | 11.71% | 14.33% | 18.43% | Beats 1% | 737 / 746 | | |
| Equity / Assets | 7.52% | 8.90% | 10.51% | 13.06% | Beats 9% | 676 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.67% | 61.31% | 78.27% | 90.78% | 53rd pctl | 352 / 746 | | |
| Loans / Assets | 65.83% | 53.60% | 66.97% | 76.08% | 47th pctl | 397 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |