Bank routing number ยท Brown City, Michigan
Tri-County Bank Routing Number (ABA): 072404977
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The Tri-County Bank routing number is 072404977. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
Tri-County Bank at a glance
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.
- Total assets, Q2 2026
- $638.6M
- Tier 1 leverage ratio, Q2 2026
- 13.56%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Domestic offices
- 12 FDIC institution directory, current count
- Established
- 1889
Full financial profile · Is Tri-County Bank safe? · Branch locations
Tri-County Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 072404977 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Tri-County Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 0497, identify the institution within that district. The last digit, 7, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Tri-County Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Tri-County Bank checks or in its online banking. Ask the bank for wire instructions (www.tri-countybank.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Tri-County Bank
Tri-County Bank is headquartered in Brown City, Michigan and was established in 1889. It reported $638.6M in total assets and $545.6M in deposits for Q2 2026, the 24th largest of the 72 banks headquartered in Michigan. It reports 12 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the Federal Reserve.
What the digits in 072404977 mean
The first four digits, 0724, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 0497, identify the institution within its Federal Reserve district. The last digit, 7, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 13 + 7 x 14 + 13 = 150, a multiple of 10, so 072404977 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Tri-County Bank routing number?
The Tri-County Bank routing number is 072404977. It is the primary ABA routing transit number registered to Tri-County Bank, headquartered in Brown City, MI. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Tri-County Bank wire routing number?
This page lists the primary routing number registered to Tri-County Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Tri-County Bank before sending a wire.
Is ABA number 072404977 the routing number for Tri-County Bank?
Yes. It is the primary routing number registered to Tri-County Bank.
Which bank uses routing number 072404977?
It belongs to Tri-County Bank, headquartered in Brown City, MI. It is the bank's primary ABA routing number (FDIC certificate 977).
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Regulator records: FDIC BankFind (cert 977) · FFIEC NIC profile (RSSD 695349)