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
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: nonperforming loans / loans trails 77% of banks under $1B in assets (rank 449 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Unfavorable gap of $10.6M · efficiency ratio beats 96% of banks under $1B in assets | 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 |