West Union, WV · Cert 2452 · Tri-County Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.56% | 0.93% | 1.33% | 0.91% | 0.75% | 1.05% | 1.00% | -33 bps | |
| Return on Equity | 9.81% | 10.12% | 18.80% | 26.34% | 16.03% | 11.85% | 16.32% | 15.28% | -1,106 bps | |
| Net Interest Margin | 2.94% | 3.04% | 2.97% | 3.06% | 3.08% | 3.10% | 3.30% | 3.40% | +34 bps | |
| Efficiency Ratio | 72.57% | 68.16% | 69.22% | 53.88% | 69.90% | 77.28% | 59.34% | 58.46% | +458 bps | |
| Non-Interest Burden | 2.03% | 1.95% | 1.94% | 1.29% | 2.03% | 2.31% | 1.80% | 1.83% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.69% | 4.30% | 12.54% | 11.08% | 9.17% | 10.86% | 1.67% | 3.81% | -727 bps | |
| Loan Growth (YoY) | 19.04% | 17.38% | 11.48% | 9.36% | 6.30% | 9.19% | 10.67% | 11.23% | +187 bps | |
| Deposit Growth (YoY) | 2.32% | 7.04% | 16.33% | 15.08% | 12.73% | 10.23% | 0.06% | -1.14% | -1,622 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.08% | 0.12% | 0.09% | 0.12% | 0.11% | 0.93% | 0.13% | +5 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.22% | 0.06% | 0.23% | 0.07% | 0.27% | 0.18% | 0.34% | +11 bps | |
| Allowance / Loans | 1.32% | 1.28% | 1.28% | 1.23% | 1.24% | 1.19% | 1.26% | 1.30% | +7 bps | |
| Allowance Coverage of NPLs | 13.7x | 15.2x | 10.3x | 14.0x | 10.1x | 10.4x | 1.3x | 9.7x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.51% | 8.15% | 8.20% | 8.19% | 8.45% | 8.19% | 8.50% | 8.73% | +54 bps | |
| Total Risk-Based Capital | 15.44% | 14.82% | 15.13% | 14.97% | 15.53% | 14.95% | 15.21% | 15.08% | +11 bps | |
| Equity / Assets | 6.11% | 4.91% | 4.96% | 5.12% | 6.25% | 6.35% | 6.50% | 6.61% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.70% | 54.66% | 48.52% | 52.42% | 51.58% | 54.14% | 53.67% | 58.98% | +656 bps | |
| Liquid Assets / Assets | 2.16% | 1.43% | 5.95% | 0.82% | 3.66% | 1.77% | 2.96% | 0.09% | -73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 244% | 276% | 271% | n/a | n/a | |