Tri-County Bank
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Data as of · sourced from FFIEC call reports. How we update
Tri-County Bank is an FDIC-insured commercial bank headquartered in Brown City, MI, established in 1889 (FDIC certificate 977), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $638.6M, up 7.5% from Q2 2025, the 24th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 977
- Headquarters
- Brown City, MI
- Established
- 1889
- Total assets, Q2 2026
- $638.6M
- Assets vs Q2 2025
- +7.5%
- Tier 1 leverage ratio, Q2 2026
- 13.56%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 072404977
- Latest call report
- Q2 2026, FFIEC 041 · Tri-County Bank call report
- Holding company
- TRI-COUNTY BANCORP, INC.
- Asset rank in state
- 24th of 72 in Michigan
Problem loans are rising at Tri-County Bank. Based in Brown City, Michigan, it had $639 million in assets at June 30, 2026, up 7.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 0.55% a year earlier. It earns about $2.31 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $95 million non-owner-occupied commercial real estate book: 5.97% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 14.3% and deposits rose 6.3%. Credit is the area to watch: it carries problem assets equal to 7.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Tri-County Bank reported a return on assets of 2.31%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 7.65%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Tri-County Bank is the 24th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.8% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 41.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.5%. Its 12 offices in the FDIC Summary of Deposits are in 11 cities in MI; its Brown City 2 offices book 34% of its branch deposits. Judged on its Q2 2026 call report, Tri-County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4190 Main St, Brown City, MI 48416
- County
- Sanilac
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 29, 1889
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $545.6M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- -$57K
- Average total assets
- $644.2M
- Average total loans
- $504.9M
- Average interest-bearing deposits
- $421.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 977
- Fed RSSD
- 695349
- Website
- www.tri-countybank.bank →
- Parent Holding Company
- TRI-COUNTY BANCORP, INC. (RSSD 1969506)
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-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, Tri-County Bank's total assets ran between $544.8M (Q3 2023) and $638.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$638.6M total assets against $594.2M; $556.8M total liabilities against $525.0M.
$509.1M net loans and leases against $445.5M; $545.6M total deposits against $513.3M.
$90.9M securities against $110.6M; $9.8M cash and balances due against $9.5M.
$9.9M total interest income against $8.7M; $2.4M total interest expense against $2.3M.
$7.6M net interest income against $6.4M.
$550K total noninterest income against $552K; $3.3M total noninterest expense against $3.0M.
$188K provision for credit losses against $8K.
$3.7M net income against $3.1M.
2.31% return on assets against 2.10%; 4.93% net interest margin against 4.48%.
13.56% tier 1 leverage ratio against 12.78%.
Inside the full Tri-County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTri-County Bank rankings
Its closest position to the top of a national ranking is 204 of 3,606, for efficiency ratio; its furthest is 1,475 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.69% (Q3 2024) to 2.31% (Q2 2026) and its net interest margin ran from 3.95% (Q3 2024) to 4.96% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.56% | 2.31% | 1.30% | 7.65% | 4.93% |
| Q1 2026 | 13.45% | 2.25% | 1.40% | 8.23% | 4.96% |
| Q4 2025 | 13.27% | 1.94% | 0.26% | 1.51% | 4.86% |
| Q3 2025 | 13.05% | 2.25% | 0.55% | 3.24% | 4.75% |
| Q2 2025 | 12.78% | 2.10% | 0.55% | 3.34% | 4.48% |
| Q1 2025 | 12.67% | 1.94% | 0.57% | 3.51% | 4.27% |
| Q4 2024 | 12.40% | 1.71% | 0.53% | 3.45% | 4.13% |
| Q3 2024 | 12.05% | 1.69% | 0.04% | 0.23% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Tri-County Bank (main office) | Brown City , MI | 48416 | $184.7M |
| Yale Branch | Yale , MI | 48097 | $63.1M |
| Almont Branch | Almont , MI | 48003 | $61.2M |
| Imlay City Branch | Imlay City , MI | 48444 | $51.9M |
| Peck Branch | Peck , MI | 48466 | $50.5M |
| Romeo Branch | Romeo , MI | 48065 | $42.2M |
| Marlette Branch | Marlette , MI | 48453 | $34.0M |
| North Branch Office Branch | North Branch , MI | 48461 | $25.4M |
| Kingston Branch | Kingston , MI | 48741 | $14.3M |
| Capac Supermarket Branch | Capac , MI | 48014 | $13.0M |
| Cass City Branch | Cass City , MI | 48726 | $5.4M |
| Ben's Supermarket Branch | Brown City , MI | 48416 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 18, 2015, Federal Reserve: Civil Money Penalty, $5000: Tri-County Bank, Brown City, Michigan
- Period: Most recent institution action November 18, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MI, rank 36 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 63 loans originated, $14.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $395K approved, $395K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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-County Bank
What are Tri-County Bank's total assets?
As of the Q2 2026 filing, Tri-County Bank reported total assets of $638.6 million in its FFIEC call report.
Where is Tri-County Bank headquartered?
It is headquartered in Brown City, MI, United States.
When was Tri-County Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Tri-County Bank FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Tri-County Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tri-County Bank's Texas Ratio?
Its Texas Ratio is 7.65% 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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