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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=581 to 629). 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

40

Q2 2024Q2 2026peer median

Efficiency

96

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 2026-10-11

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 $3.4MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $426.8M22%Noninterest $118.7MQ3 2024Q2 2026

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.69%1.70%1.94%2.03%2.11%2.08%2.27%2.31%+28 bps
Net Interest Margin3.73%3.79%4.14%4.15%4.23%4.28%4.76%4.68%+53 bps
Non-Interest Burden1.55%1.56%1.68%1.63%1.62%1.62%1.64%1.65%+1 bps
Loan Growth (YoY)11.70%12.65%5.93%7.99%8.18%9.42%13.79%14.32%+633 bps
Nonperforming Loans / Loans0.04%0.53%0.57%0.55%0.55%0.26%1.40%1.30%+75 bps
Allowance / Loans1.02%1.09%1.08%1.04%1.00%1.03%1.08%1.08%+4 bps
Tier 1 Leverage Ratio12.05%12.40%12.67%12.78%13.05%13.27%13.45%13.56%+78 bps
Equity / Assets10.68%10.79%11.18%11.64%12.15%12.62%12.35%12.82%+118 bps
Liquid Assets / Assets0.35%0.27%1.28%0.30%0.66%0.44%2.74%0.59%+29 bps

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 2026-10-11

Tri-County Bank

Brown City, MI · Cert 977 · Peer group: banks under $1B in assets (n=581-629) · Tri-County Bcorp Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

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

Return on Assets

2.27%

Rank 58 of 629

Net Interest Margin

4.68%

Rank 50 of 629

Efficiency Ratio

39.52%

Rank 24 of 629

Equity / Assets

12.82%

Rank 193 of 629

Non-interest income vs. expense

$2.2M$12.8MINCOMEEXPENSE
Unfavorable gap of $10.6M · efficiency ratio beats 96% of banks under $1B in assets
Bank 39.52%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets2.27%0.60%1.01%1.45%Beats 91%58 / 629
Net Interest Margin4.68%3.03%3.54%4.05%Beats 92%50 / 629
Nonperforming Loans / Loans1.30%0.09%0.46%1.20%Beats 23%449 / 581
Tier 1 Capital Ratio13.56%11.24%13.84%18.77%Beats 48%329 / 629
Equity / Assets12.82%9.09%10.65%13.80%Beats 69%193 / 629
Loans / Assets80.59%53.31%67.71%78.15%82nd pctl112 / 629