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 | |