TRI-COUNTY BANK

BROWN CITY, MI | Medium | Est. May 29, 1889, midnight | FDIC #977 | RSSD #695349 | FED
Latest Report: 2025-12-31

TRI-COUNTY BANK is amn medium FDIC-insured commercial bank headquartered in BROWN CITY, MI, established in May 29, 1889, midnight. As of 2025-12-31, the bank reported total assets of $604M and total deposits of $517M. Profitability stands at 1.98% ROA and 15.98% ROE, with a net interest margin of 5.09%. The bank's CET1 capital ratio is 12.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.51%. FDIC Certificate #977.

Assets

$604M

Deposits

$517M

Loans

$473M

Equity

$76M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 15.98%
Net Interest Margin (NIM) 5.09%
Yield on Assets 6.68%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.14%
Texas Ratio 1.51%
NPA Ratio 0.20%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 12.56%
Tier 1 Capital 12.56%
Total Capital Ratio 13.19%
Leverage Ratio 13.27%
Loan-to-Deposit 91.44%

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