West Union, WV · Cert 2452 · Tri-County Bcorp Inc.
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.06% | 0.98% | 1.05% | 1.03% | -12 bps | |
| Return on Equity | 22.86% | 20.00% | 17.76% | 16.32% | 15.83% | -704 bps | |
| Net Interest Margin | 2.95% | 3.00% | 2.98% | 3.30% | 3.35% | +40 bps | |
| Efficiency Ratio | 60.84% | 63.82% | 67.23% | 59.34% | 58.89% | -195 bps | |
| Non-Interest Burden | 1.58% | 1.73% | 1.85% | 1.80% | 1.81% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.08% | 9.17% | 10.86% | 1.67% | 3.81% | -727 bps | |
| Loan Growth (YoY) | 9.36% | 6.30% | 9.19% | 10.67% | 11.23% | +187 bps | |
| Deposit Growth (YoY) | 15.08% | 12.73% | 10.23% | 0.06% | -1.14% | -1,622 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.12% | 0.11% | 0.93% | 0.13% | +5 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.15% | 0.18% | 0.25% | +11 bps | |
| Allowance / Loans | 1.23% | 1.24% | 1.19% | 1.26% | 1.30% | +7 bps | |
| Allowance Coverage of NPLs | 14.0x | 10.1x | 10.4x | 1.3x | 9.7x | -4.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.19% | 8.45% | 8.19% | 8.50% | 8.73% | +54 bps | |
| Total Risk-Based Capital | 14.97% | 15.53% | 14.95% | 15.21% | 15.08% | +11 bps | |
| Equity / Assets | 5.12% | 6.25% | 6.35% | 6.50% | 6.61% | +150 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.42% | 51.58% | 54.14% | 53.67% | 58.98% | +656 bps | |
| Liquid Assets / Assets | 0.82% | 3.66% | 1.77% | 2.96% | 0.09% | -73 bps | |
| CRE / Total Capital | n/a | 244% | 276% | 271% | n/a | n/a | |