First Tri-County Bank
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Data as of · sourced from FFIEC call reports. How we update
First Tri-County Bank is an FDIC-insured commercial bank headquartered in Swanton, NE, established in 1894 (FDIC certificate 8333), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $78.5M, up 8.6% from Q2 2025, the 114th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8333
- Headquarters
- Swanton, NE
- Established
- 1894
- Total assets, Q2 2026
- $78.5M
- Assets vs Q2 2025
- +8.6%
- Tier 1 leverage ratio, Q2 2026
- 9.07%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104908817
- Holding company
- SWANTON AGENCY, INC.
- Asset rank in state
- 114th of 138 in Nebraska
First Tri-County Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $78 million at June 30, 2026, up 8.6% from a year earlier; it is based in Swanton, Nebraska. It funds 9.07% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). It also shrank its loan book 9.5% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 19% from a year earlier, to $172,000. Over the same year, loans shrank 9.5% and deposits grew 9.3%.
As of June 30, 2026, First Tri-County Bank reported a return on assets of 0.89%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, First Tri-County Bank is the 114th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $78.5M, loans fell 0.3% and deposits rose 3.5%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 26.6% of total loans, ahead of agricultural production loans at 24.4%. Its 2 offices in the FDIC Summary of Deposits are in Plymouth, NE and Swanton, NE; its Plymouth office books 62% of its branch deposits. Judged on its Q2 2026 call report, First Tri-County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 Main St, Swanton, NE 68445
- County
- Saline
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1894
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $70.7M
- Allowance for credit losses
- $527K
- Net charge-offs (YTD)
- -$15K
- Average total assets
- $77.5M
- Average total loans
- $46.2M
- Average interest-bearing deposits
- $53.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8333
- Fed RSSD
- 570651
- Website
- www.ftcb1.com →
- Parent Holding Company
- SWANTON AGENCY, INC. (RSSD 1054895)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Tri-County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Tri-County Bank's total assets ran between $71.2M (Q1 2025) and $78.5M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$78.5M total assets against $72.2M; $71.0M total liabilities against $65.0M.
$46.0M net loans and leases against $50.9M; $70.7M total deposits against $64.7M.
$19.4M securities against $9.6M; $11.0M cash and balances due against $9.7M.
$894K total interest income against $837K; $233K total interest expense against $236K.
$661K net interest income against $601K.
$14K total noninterest income against $15K; $481K total noninterest expense against $450K.
$0 provision for credit losses against $0.
$172K net income against $145K.
0.89% return on assets against 0.81%; 3.55% net interest margin against 3.55%.
9.07% tier 1 leverage ratio against 9.58%.
Inside the full First Tri-County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.32% (Q4 2024) to 0.89% (Q2 2026) and its net interest margin ran from 2.61% (Q4 2024) to 4.00% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.07% | 0.89% | 0.04% | 0.23% | 3.55% |
| Q1 2026 | 9.04% | 0.89% | 0.00% | 0.00% | 3.56% |
| Q4 2025 | 9.55% | -0.09% | 0.00% | 0.00% | 3.78% |
| Q3 2025 | 9.73% | 0.74% | 0.00% | 0.00% | 4.00% |
| Q2 2025 | 9.58% | 0.81% | 0.00% | 0.00% | 3.55% |
| Q1 2025 | 9.37% | 0.44% | 0.03% | 0.21% | 3.23% |
| Q4 2024 | 8.77% | -0.32% | 0.00% | 0.00% | 2.61% |
| Q3 2024 | 8.94% | 0.41% | 0.00% | 0.00% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 402 East Main Street Branch | Plymouth , NE | 68424 | $44.0M |
| First Tri County Bank | Swanton , NE | 68445 | $26.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 24, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 1996 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 122 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Tri-County Bank
What are First Tri-County Bank's total assets?
As of the Q2 2026 filing, First Tri-County Bank reported total assets of $78.5 million in its FFIEC call report.
Where is First Tri-County Bank headquartered?
It is headquartered in Swanton, NE, United States.
When was First Tri-County Bank founded?
It was established in 1894, per the FDIC institution directory.
Is First Tri-County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Tri-County Bank?
First Tri-County Bank's primary federal regulator is the FDIC.
How many branches does First Tri-County Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Tri-County Bank's Texas Ratio?
Its Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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