Tri-County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tri-County Bank of Brown City, MI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.31% | 1.25% | +1.06% | 92nd top |
| ROAE | 18.51% | 13.17% | +5.34% | 81st top |
| Net Interest Margin | 4.93% | 3.95% | +0.98% | 91st top |
| Efficiency Ratio | 40.22% | 61.50% | -21.28% | 95th top |
| PPNR / Avg Assets | 3.02% | — | — | 96th top |
| Yield on Earning Assets | 6.47% | 5.67% | +0.80% | 86th top |
| Cost of Funds | 1.44% | 1.87% | -0.43% | 73rd above |
| Net Interest Spread | 3.54% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.30% | 0.93% | +0.37% | 22nd bottom |
| NPA / Total Assets | 1.05% | — | — | 19th bottom |
| NCO / Avg Loans | -0.05% | 0.15% | -0.20% | 94th top |
| ACL / Total Loans | 1.08% | — | — | 36th below |
| ACL / NPLs (Coverage) | 83.33% | — | — | 23rd bottom |
| Texas Ratio | 7.65% | 7.34% | +0.31% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.56% | 11.75% | +1.81% | 79th top |
| Equity / Assets | 12.82% | 10.98% | +1.84% | 77th top |
| TCE / Tangible Assets | 12.82% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.34% | 80.44% | +13.90% | 20th bottom |
| Core Deposit Ratio | 95.82% | 86.95% | +8.87% | 88th top |
| Wholesale Funding Ratio | 1.57% | — | — | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.48% | — | — | 71st above |
| Loan Growth (Y/Y) | 14.32% | — | — | 84th top |
| Deposit Growth (Y/Y) | 6.28% | — | — | 66th above |
See Tri-County Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tri-County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Tri-County Bank profile, how to read a UBPR, or how this data updates.