Tri City National Bank
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Data as of · sourced from FFIEC call reports. How we update
Tri City National Bank is an FDIC-insured commercial bank headquartered in Oak Creek, WI, established in 1963 (FDIC certificate 18922), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.95B, up 5.3% from Q2 2025, the 16th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18922
- Headquarters
- Oak Creek, WI
- Established
- 1963
- Total assets, Q2 2026
- $1.95B
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 11.10%
- Domestic offices
- 26 FDIC institution directory, current count
- Routing number
- 075001199
- Latest call report
- Q2 2026, FFIEC 051 · Tri City National Bank call report
- Holding company
- TRI CITY BANKSHARES CORPORATION
- Asset rank in state
- 16th of 153 in Wisconsin
Tri City National Bank, based in Oak Creek, Wisconsin, reported $2.0 billion in assets at June 30, 2026, up 5.3% from a year earlier. It pays an average of 0.96% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $4.3 million, 34% above the same quarter a year earlier. Over the same year, loans grew 0.6% and deposits grew 4.8%. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Tri City National Bank reported a return on assets of 0.86%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 3.88%. The figures come from its call report filed with the FFIEC.
Tri City National Bank ranks as the 16th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $1.95B, loans fell 0.9% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 39.8% of total loans, ahead of multifamily loans at 22.6%. Its 26 offices in the FDIC Summary of Deposits are in 17 cities in WI; its Oak Creek 3 offices book 16% of its branch deposits. Judged on its Q2 2026 call report, Tri City National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6400 S 27th St, Oak Creek, WI 53154
- County
- Milwaukee
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 28, 1963
- Former names
- Tri City National Bank of Oak Creek (1977-1990)
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 350
- Domestic deposits
- $1.75B
- Allowance for credit losses
- $14.1M
- Net charge-offs (YTD)
- $225K
- Average total assets
- $2.02B
- Average total loans
- $1.16B
- Average interest-bearing deposits
- $1.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 28, 1963
- FDIC Cert
- 18922
- Fed RSSD
- 242444
- SEC CIK
- 313337 → filed by TRI CITY BANKSHARES CORPORATION
- Website
- www.tcnb.com →
- Parent Holding Company
- TRI CITY BANKSHARES CORPORATION (RSSD 1203974)
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, Tri City National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Tri City National Bank's total assets moved between a low of $1.85B (Q1 2025) and a high of $2.08B (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.95B total assets against $1.85B; $1.76B total liabilities against $1.68B.
$1.15B net loans and leases against $1.14B; $1.75B total deposits against $1.67B.
$496.5M securities against $461.0M; $192.6M cash and balances due against $139.9M.
$21.3M total interest income against $19.0M; $4.3M total interest expense against $4.3M.
$17.0M net interest income against $14.7M.
$3.6M total noninterest income against $3.7M; $14.8M total noninterest expense against $13.8M.
$0 provision for credit losses against $250K.
$4.3M net income against $3.2M.
0.86% return on assets against 0.68%; 3.57% net interest margin against 3.41%.
11.10% tier 1 leverage ratio against 11.24%.
Inside the full Tri City National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Tri City National Bank rankings
Its closest position to the top of a national ranking is 608 of 4,196, for total assets; its furthest is 2,860 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q4 2024) to 0.87% (Q3 2025) and its net interest margin ran from 2.95% (Q3 2024) to 3.78% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.10% | 0.86% | 0.51% | 3.88% | 3.57% |
| Q1 2026 | 10.95% | 0.77% | 0.29% | 2.43% | 3.46% |
| Q4 2025 | 10.89% | 0.82% | 0.46% | 2.68% | 3.61% |
| Q3 2025 | 11.11% | 0.87% | 0.29% | 1.72% | 3.78% |
| Q2 2025 | 11.24% | 0.68% | 0.72% | 4.48% | 3.41% |
| Q1 2025 | 11.08% | 0.70% | 0.63% | 4.13% | 3.23% |
| Q4 2024 | 10.56% | 0.50% | 0.63% | 4.41% | 3.12% |
| Q3 2024 | 10.28% | 0.63% | 0.49% | 3.28% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 26 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 |
|---|---|---|---|
| South 108th Street Branch | Hales Corners , WI | 53130 | $249.3M |
| Tri City National Bank (main office) | Oak Creek , WI | 53154 | $179.6M |
| Brookfield Main Branch | Brookfield , WI | 53005 | $151.9M |
| Tri City Bank Branch | Racine , WI | 53405 | $98.0M |
| Green Acre Branch | Racine , WI | 53406 | $97.4M |
| County Line Branch | Menomonee Falls , WI | 53051 | $94.1M |
| Ryan Road Branch | Franklin , WI | 53154 | $77.7M |
| Oklahoma Branch | Milwaukee , WI | 53219 | $73.4M |
| Waukesha Main Office | Waukesha , WI | 53189 | $72.3M |
| West Bradley Road Branch | Brown Deer , WI | 53209 | $71.0M |
| West Greenfield Branch | West Allis , WI | 53214 | $63.3M |
| Sturtevant Branch | Sturtevant , WI | 53177 | $61.9M |
| Howell Convenience Center Branch | Oak Creek , WI | 53154 | $60.3M |
| Market Square Branch | West Allis , WI | 53214 | $59.8M |
| South Milwaukee Branch | South Milwaukee , WI | 53172 | $51.3M |
| Capitol Drive Branch | Brookfield , WI | 53005 | $49.7M |
| Southgate Branch | Milwaukee , WI | 53215 | $38.9M |
| Tri City Branch | Oak Creek , WI | 53154 | $37.5M |
| Kenosha Branch | Kenosha , WI | 53144 | $34.5M |
| Bayview Convenience Center Branch | Milwaukee , WI | 53207 | $30.3M |
| Whitnall Convenience Center Branch | Saint Francis , WI | 53235 | $28.9M |
| Waumatosa Branch | Wauwatosa , WI | 53226 | $24.9M |
| Greenfield Convenience Center Branch | Greenfield , WI | 53220 | $24.4M |
| West Milwaukee Branch | West Milwaukee , WI | 53219 | $17.8M |
| Motorbank | Racine , WI | 53405 | $0 |
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 |
|---|---|---|---|
| October 24, 2009 | Structure Change | Acquired Bank of Elmwood Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 13, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 1990 | Structure Change | Acquired Tri City National Bank of Brookfield 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in WI, rank 18 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 759 applications, 513 loans originated, $102.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $413K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Tri City National Bank
What are Tri City National Bank's total assets?
As of the Q2 2026 filing, Tri City National Bank reported total assets of $1.95 billion in its FFIEC call report.
Where is Tri City National Bank headquartered?
It is headquartered in Oak Creek, WI, United States.
When was Tri City National Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Tri City National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tri City National Bank?
Tri City National Bank's primary federal regulator is the OCC.
How many branches does Tri City National Bank operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tri City National Bank's Texas Ratio?
Its Texas Ratio is 3.88% 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.
What was Tri City National Bank previously called?
The charter now named Tri City National Bank has also operated as Tri City National Bank of Oak Creek (1977-1990), per FDIC structure-change records.
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