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
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.
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.
Capital
53
Asset Quality
62
Profitability
91
Liquidity
40
Efficiency
96
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.
Brown City, MI · Cert 977 · Tri-County Bcorp Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.1% share · #20 of 37 inst. · $0.3B of $183.9B
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 | 1.69% | 1.70% | 1.94% | 2.03% | 2.11% | 2.08% | 2.27% | 2.31% | +28 bps | |
| Return on Equity | 16.89% | 16.71% | 17.66% | 18.13% | 18.47% | 17.81% | 18.18% | 18.34% | +21 bps | |
| Net Interest Margin | 3.73% | 3.79% | 4.14% | 4.15% | 4.23% | 4.28% | 4.76% | 4.68% | +53 bps | |
| Efficiency Ratio | 46.24% | 45.86% | 44.76% | 43.91% | 42.83% | 42.44% | 38.79% | 39.52% | -439 bps | |
| Non-Interest Burden | 1.55% | 1.56% | 1.68% | 1.63% | 1.62% | 1.62% | 1.64% | 1.65% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.04% | 5.47% | 3.94% | 3.05% | 3.45% | 4.64% | 7.71% | 7.48% | +444 bps | |
| Loan Growth (YoY) | 11.70% | 12.65% | 5.93% | 7.99% | 8.18% | 9.42% | 13.79% | 14.32% | +633 bps | |
| Deposit Growth (YoY) | 8.84% | 8.67% | 7.37% | 6.09% | 4.49% | 3.72% | 6.44% | 6.28% | +19 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.53% | 0.57% | 0.55% | 0.55% | 0.26% | 1.40% | 1.30% | +75 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.03% | 0.05% | 0.14% | 0.00% | -0.02% | -5 bps | |
| Allowance / Loans | 1.02% | 1.09% | 1.08% | 1.04% | 1.00% | 1.03% | 1.08% | 1.08% | +4 bps | |
| Allowance Coverage of NPLs | 28.6x | 2.0x | 1.9x | 1.9x | 1.8x | 4.0x | 0.8x | 0.8x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.05% | 12.40% | 12.67% | 12.78% | 13.05% | 13.27% | 13.45% | 13.56% | +78 bps | |
| Total Risk-Based Capital | 12.05% | 12.40% | 12.67% | 12.78% | 13.05% | 13.27% | 13.45% | 13.56% | +78 bps | |
| Equity / Assets | 10.68% | 10.79% | 11.18% | 11.64% | 12.15% | 12.62% | 12.35% | 12.82% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.09% | 86.68% | 84.50% | 87.70% | 89.12% | 91.44% | 90.34% | 94.34% | +664 bps | |
| Liquid Assets / Assets | 0.35% | 0.27% | 1.28% | 0.30% | 0.66% | 0.44% | 2.74% | 0.59% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 340% | 359% | 382% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.27% | 0.60% | 1.01% | 1.45% | Beats 91% | 58 / 629 | ||
| Return on Equity | 17.70% | 5.38% | 9.30% | 13.28% | Beats 90% | 63 / 629 | ||
| Net Interest Margin | 4.68% | 3.03% | 3.54% | 4.05% | Beats 92% | 50 / 629 | ||
| Efficiency Ratio | 39.52% | 58.35% | 67.79% | 79.08% | Beats 96% | 24 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.30% | 0.09% | 0.46% | 1.20% | Beats 23% | 449 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.56% | 11.24% | 13.84% | 18.77% | Beats 48% | 329 / 629 | ||
| Total Risk-Based Capital Ratio | 13.56% | 11.58% | 14.43% | 19.66% | Beats 43% | 358 / 629 | ||
| Equity / Assets | 12.82% | 9.09% | 10.65% | 13.80% | Beats 69% | 193 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.34% | 67.24% | 80.90% | 93.48% | 77th pctl | 136 / 594 | ||
| Loans / Assets | 80.59% | 53.31% | 67.71% | 78.15% | 82nd pctl | 112 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||