Roachdale, IN · Cert 210 · Tri-County Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.27% | 0.30% | 0.08% | 0.22% | 0.30% | 0.35% | 0.36% | +28 bps | |
| Return on Equity | 3.30% | 3.83% | 4.11% | 1.11% | 2.93% | 3.88% | 4.41% | 4.65% | +354 bps | |
| Net Interest Margin | 2.35% | 2.41% | 2.46% | 2.51% | 2.52% | 2.54% | 2.47% | 2.51% | 0 bps | |
| Efficiency Ratio | 87.49% | 85.05% | 85.00% | 85.64% | 84.34% | 83.32% | 83.37% | 83.45% | -219 bps | |
| Non-Interest Burden | 2.02% | 2.00% | 2.05% | 2.10% | 2.07% | 2.06% | 2.01% | 2.04% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.71% | -0.71% | -2.42% | -1.34% | -6.66% | 1.31% | 4.29% | 4.80% | +615 bps | |
| Loan Growth (YoY) | 6.20% | 0.72% | -3.41% | -5.81% | -5.90% | -6.02% | -3.28% | -0.59% | +522 bps | |
| Deposit Growth (YoY) | 8.09% | -0.37% | 0.41% | 2.41% | -4.22% | 3.07% | 4.41% | 5.19% | +278 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.00% | 0.32% | 0.42% | 0.43% | 0.74% | 0.93% | 3.45% | +303 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.04% | -0.06% | -6 bps | |
| Allowance / Loans | 1.25% | 1.29% | 1.32% | 1.38% | 1.37% | 1.35% | 1.36% | 1.41% | +3 bps | |
| Allowance Coverage of NPLs | 24.9x | n/a | 4.1x | 3.3x | 3.2x | 1.8x | 1.5x | 0.4x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.98% | 9.17% | 9.52% | 9.53% | 9.56% | 9.59% | 9.50% | 9.09% | -44 bps | |
| Total Risk-Based Capital | 8.98% | 9.17% | 9.52% | 9.53% | 9.56% | 9.59% | 9.50% | 9.09% | -44 bps | |
| Equity / Assets | 7.14% | 7.22% | 7.55% | 7.37% | 8.05% | 8.01% | 7.93% | 7.52% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.69% | 92.87% | 89.98% | 84.30% | 88.12% | 84.68% | 83.35% | 79.67% | -464 bps | |
| Liquid Assets / Assets | 2.12% | 1.59% | 1.34% | 1.29% | 1.59% | 1.42% | 1.19% | 1.09% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 438% | 424% | 431% | n/a | n/a | |