First Tri-County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 976.92 percentage points in Q3 2026, from 3100.00% to 4076.92%. It was the largest change from Q2 2026 among the key lines here. On return on assets, First Tri-County Bank is 14th from the bottom among 138 Nebraska banks, 0.63% (Q3 2026). First Tri-County Bank reported 0.63% on return on assets for Q3 2026, 0.35 points below the 0.98% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.40% |
| Equity capital to assets | 10.29% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.17% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 4076.92% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.63% |
| Return on equity | 6.34% |
| Net interest margin | 3.84% |
| Efficiency ratio | 79.47% |
| Yield on earning assets | 5.12% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.15% |
| Core deposits to total deposits | 89.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.27% |
| Securities to assets | 25.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 9.20% | -0.33% | 2.95% | 0.00% | -0.07% |
| Q1 2024 | 9.45% | 0.04% | 2.91% | 0.00% | 0.00% |
| Q2 2024 | 8.95% | 0.28% | 2.76% | 0.00% | -0.08% |
| Q3 2024 | 8.94% | 0.41% | 3.01% | 0.00% | -0.12% |
| Q4 2024 | 8.77% | -0.32% | 2.61% | 0.00% | -0.07% |
| Q1 2025 | 9.37% | 0.44% | 3.23% | 0.00% | -0.07% |
| Q2 2025 | 9.58% | 0.81% | 3.55% | 0.05% | -0.22% |
| Q3 2025 | 9.73% | 0.74% | 4.00% | 0.00% | -0.07% |
| Q4 2025 | 9.55% | -0.09% | 3.78% | 0.00% | -0.07% |
| Q1 2026 | 9.04% | 0.89% | 3.56% | 0.00% | -0.08% |
| Q2 2026 | 9.07% | 0.89% | 3.55% | 0.04% | -0.05% |
| Q3 2026 | 9.40% | 0.63% | 3.84% | 0.03% | -0.03% |
First Tri-County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Tri-County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8333) · FFIEC NIC profile (RSSD 570651)