Tri City National 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.01 percentage points lower than in Q1 2026, at 95.26%. Within Wisconsin, Tri City National Bank is 127th of 153 on return on assets, 0.86% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Tri City National Bank sits 0.42 points lower, at 0.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.10% |
| Equity capital to assets | 9.68% |
| Tangible equity to tangible assets | 9.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 8.25% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 95.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 9.24% |
| Net interest margin | 3.57% |
| Efficiency ratio | 71.72% |
| Yield on earning assets | 4.47% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.67% |
| Core deposits to total deposits | 97.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.55% |
| Securities to assets | 25.43% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 10.17% | 0.63% | 2.80% | 0.57% | -0.00% |
| Q4 2023 | 9.85% | -0.69% | 2.94% | 0.56% | -0.00% |
| Q1 2024 | 9.88% | 0.56% | 2.72% | 0.58% | 0.01% |
| Q2 2024 | 10.12% | 0.61% | 2.80% | 0.53% | -0.01% |
| Q3 2024 | 10.28% | 0.63% | 2.95% | 0.55% | -0.00% |
| Q4 2024 | 10.56% | 0.50% | 3.12% | 1.36% | -0.01% |
| Q1 2025 | 11.08% | 0.70% | 3.23% | 1.37% | -0.01% |
| Q2 2025 | 11.24% | 0.68% | 3.41% | 1.43% | -0.00% |
| Q3 2025 | 11.11% | 0.87% | 3.78% | 1.04% | 0.04% |
| Q4 2025 | 10.89% | 0.82% | 3.61% | 1.22% | -0.00% |
| Q1 2026 | 10.95% | 0.77% | 3.46% | 1.05% | -0.01% |
| Q2 2026 | 11.10% | 0.86% | 3.57% | 1.27% | 0.08% |
Tri City National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri City National 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 Tri City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18922) · FFIEC NIC profile (RSSD 242444)