Tri-county Bank
Asset quality shifted last quarter — NPLs rose to 1.37% from 0.26% in the prior period. Operating from Brown City, MI, Tri-County Bank serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $639M in assets, including $496M in loans. The bank posts a strong 2.25% ROA and 18.18% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.45% exceeds the 9% CBLR threshold. Asset quality is solid — 1.37% nonperforming loans and a 8.23% Texas Ratio. Tri-County operates a 12-branch network.
Headquarters Profile
- Address
- 4190 Main St, BROWN CITY, MI 48416
- County
- Sanilac
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 9
- Established
- May 29, 1889
- Branches
- 12 domestic
- Employees (FTE)
- 83
- FDIC Cert
- 977
- Fed RSSD
- 695349
- Website
- www.tri-countybank.bank →
- Parent Holding Company
- TRI-COUNTY BANCORP, INC. (RSSD 1969506)
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Tri-county Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Tri-county Bank
What are Tri-county Bank's total assets?
As of the Q1 2026 filing, Tri-county Bank reported total assets of $638.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Tri-county Bank headquartered?
Tri-county Bank is headquartered in BROWN CITY, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Tri-county Bank founded?
Tri-county Bank was established in 1889, per the FDIC institution directory.
Is Tri-county Bank FDIC-insured?
Yes. Tri-county Bank is an FDIC-insured commercial bank (FDIC Certificate #977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tri-county Bank?
Tri-county Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Tri-county Bank operate?
Tri-county Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Tri-county Bank's Texas Ratio?
Tri-county Bank's Texas Ratio is 8.23% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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