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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

$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