PackageTrendsPeer
Letter portraitLegal landscape

Tri-County Bank

Brown City, MI · Cert 977 · Tri-County Bcorp Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Tri-County Bank

Brown City, MI · Cert 977 · Tri-County Bcorp Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$638.6MAssets
$514.7MLoans
$545.6MDeposits
$81.9MEquity
Loan mix
89%RE $417.5M11%C&I $50.3M1%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $426.8M22%Noninterest $118.7MQ2 2025Q2 2026

NIM

5.32%Q2 ’245.66%Q2 ’256.12%Q2 ’26+11%+13%

Non-interest income vs. expense

1.92%Q2 ’241.98%Q2 ’251.98%Q2 ’26+4%+1%

Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.1% share · #20 of 37 inst. · $0.3B of $183.9B

29.1% Sanilac
8.7% Lapeer
2.7% St. Clair
0.2% Macomb

Executive Summary

  • Earnings: ROA of 2.31%, up 28 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 1.30% of loans (+75 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 13.56%, up 78 bps from a year ago.
  • Funding: loans stand at 94.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.31%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.68%+53 bps YoY

Efficiency Ratio (YTD, annualized)

39.52%-439 bps YoY

Tier 1 Leverage Ratio

13.56%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%2.11%2.08%2.27%2.31%+28 bps
Return on Equity18.13%18.47%17.81%18.18%18.34%+21 bps
Net Interest Margin4.15%4.23%4.28%4.76%4.68%+53 bps
Efficiency Ratio43.91%42.83%42.44%38.79%39.52%-439 bps
Non-Interest Burden1.63%1.62%1.62%1.64%1.65%+1 bps
Growth
Asset Growth (YoY)3.05%3.45%4.64%7.71%7.48%+444 bps
Loan Growth (YoY)7.99%8.18%9.42%13.79%14.32%+633 bps
Deposit Growth (YoY)6.09%4.49%3.72%6.44%6.28%+19 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.55%0.26%1.40%1.30%+75 bps
Net Charge-Offs / Loans0.03%0.05%0.14%0.00%-0.02%-5 bps
Allowance / Loans1.04%1.00%1.03%1.08%1.08%+4 bps
Allowance Coverage of NPLs1.9x1.8x4.0x0.8x0.8x-1.1x
Capital
Tier 1 Leverage Ratio12.78%13.05%13.27%13.45%13.56%+78 bps
Total Risk-Based Capital12.78%13.05%13.27%13.45%13.56%+78 bps
Equity / Assets11.64%12.15%12.62%12.35%12.82%+118 bps
Liquidity & Funding
Loans / Deposits87.70%89.12%91.44%90.34%94.34%+664 bps
Liquid Assets / Assets0.30%0.66%0.44%2.74%0.59%+29 bps
CRE / Total Capitaln/a340%359%382%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Tri-County Bank

Brown City, MI · Cert 977 · Peer group: banks under $1B in assets (n=573-620) · Tri-County Bcorp Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$638.6MAssets
$514.7MLoans
$545.6MDeposits
$81.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
  • Widest gap: nonperforming loans / loans trails 76% of banks under $1B in assets (rank 436 of 573).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.27%

Rank 55 of 620

Net Interest Margin

4.68%

Rank 46 of 620

Efficiency Ratio

39.52%

Rank 19 of 620

Equity / Assets

12.82%

Rank 185 of 620

Non-interest income vs. expense

$2.2M$12.8MINCOMEEXPENSE
Unfavorable gap of $10.6M · efficiency ratio beats 97% of banks under $1B in assets
Bank 39.52%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.27%0.60%1.00%1.45%Beats 91%55 / 620
Return on Equity17.70%5.30%9.30%13.29%Beats 90%63 / 620
Net Interest Margin4.68%3.02%3.53%4.04%Beats 92%46 / 620
Efficiency Ratio39.52%58.35%68.08%79.37%Beats 97%19 / 620
Asset Quality
Nonperforming Loans / Loans1.30%0.09%0.47%1.27%Beats 24%436 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio13.56%11.27%13.87%18.78%Beats 47%326 / 620
Total Risk-Based Capital Ratio13.56%11.69%14.57%19.67%Beats 43%353 / 620
Equity / Assets12.82%9.03%10.60%13.73%Beats 70%185 / 620
Liquidity & Funding
Loans / Deposits94.34%65.08%79.69%92.47%78th pctl127 / 585
Loans / Assets80.59%51.85%67.17%77.86%83rd pctl103 / 620
Brokered Deposits / Depositsn/aNot reported for this institution