The Tri-County Bank
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Data as of · sourced from FFIEC call reports. How we update
The Tri-County Bank is an FDIC-insured commercial bank headquartered in Stuart, NE, established in 1945 (FDIC certificate 16339), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $299.3M, up 34.4% from Q2 2025, the 63rd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.45% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16339
- Headquarters
- Stuart, NE
- Established
- 1945
- Total assets, Q2 2026
- $299.3M
- Assets vs Q2 2025
- +34.4%
- Tier 1 leverage ratio, Q2 2026
- 8.45%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 104113660
- Holding company
- TRI-COUNTY COMPANY
- Asset rank in state
- 63rd of 138 in Nebraska
The Tri-County Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $299 million at June 30, 2026, up 34.4% from a year earlier; it is based in Stuart, Nebraska. It funds 8.45% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 23.1% over the year, 4.2 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $779,000, 121% above the same quarter a year earlier. Over the same year, loans grew 23.1% and deposits grew 40.6%.
As of June 30, 2026, The Tri-County Bank reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.11%. The figures come from its call report filed with the FFIEC.
The Tri-County Bank ranks as the 63rd largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 28.1% to $299.3M, loans rose 21.6% and deposits rose 28.6%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 27.9% of total loans, ahead of 1-4 family residential loans at 22.3%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in NE; its Stuart office books 27% of its branch deposits. On its Q2 2026 call report, The Tri-County Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 106 N Main St, Stuart, NE 68780
- County
- Holt
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 17, 1945
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $272.8M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $299.9M
- Average total loans
- $178.8M
- Average interest-bearing deposits
- $226.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 17, 1945
- FDIC Cert
- 16339
- Fed RSSD
- 657954
- Website
- www.tricountybank.com →
- Parent Holding Company
- TRI-COUNTY COMPANY (RSSD 1058697)
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, The 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, The Tri-County Bank's total assets ran between $205.9M (Q3 2023) and $299.3M (Q2 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
$299.3M total assets against $222.6M; $275.2M total liabilities against $208.2M.
$176.2M net loans and leases against $143.2M; $272.8M total deposits against $194.0M.
$74.6M securities against $54.3M; $26.8M cash and balances due against $10.4M.
$4.0M total interest income against $2.9M; $1.2M total interest expense against $1.1M.
$2.8M net interest income against $1.9M.
$276K total noninterest income against $227K; $2.2M total noninterest expense against $1.7M.
$0 provision for credit losses against $15K.
$779K net income against $352K.
1.04% return on assets against 0.64%; 4.39% net interest margin against 4.01%.
8.45% tier 1 leverage ratio against 9.33%.
Inside the full The Tri-County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Tri-County Bank rankings
Its closest position to the top of a national ranking is 2,459 of 4,196, for total assets; its furthest is 3,223 of 3,640, for Texas Ratio.
Banks merged into The Tri-County Bank
- Butte State Bank, effective April 7, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q3 2024) to 1.04% (Q4 2025) and its net interest margin ran from 3.40% (Q3 2024) to 4.52% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.45% | 1.04% | 0.01% | 0.11% | 4.39% |
| Q1 2026 | 9.87% | 0.91% | 0.02% | 0.14% | 4.49% |
| Q4 2025 | 9.63% | 1.04% | 0.15% | 1.19% | 4.52% |
| Q3 2025 | 9.87% | 0.79% | 0.18% | 1.47% | 4.31% |
| Q2 2025 | 9.33% | 0.64% | 0.19% | 1.70% | 4.01% |
| Q1 2025 | 9.24% | 0.58% | 0.22% | 2.00% | 4.00% |
| Q4 2024 | 8.77% | 0.76% | 0.02% | 0.20% | 3.70% |
| Q3 2024 | 8.75% | 0.44% | 0.02% | 0.19% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| The Tri-County Bank | Stuart , NE | 68780 | $72.6M |
| The Tri-County Bank - Atkinson Branch | Atkinson , NE | 68713 | $61.5M |
| The Tri-County Bank - O'Neill | Oneill , NE | 68763 | $48.2M |
| The Tri-County Bank - Bassett Branch | Bassett , NE | 68714 | $46.1M |
| Butte State Bank Branch | Butte , NE | 68722 | $34.6M |
| 425 Hillcrest Boulevard Branch | Spencer , NE | 68777 | $9.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 7, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 2026 | Structure Change | Acquired Butte State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NE, rank 66 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $235K approved, $235K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Tri-County Bank
What are The Tri-County Bank's total assets?
As of the Q2 2026 filing, The Tri-County Bank reported total assets of $299.3 million in its FFIEC call report.
Where is The Tri-County Bank headquartered?
It is headquartered in Stuart, NE, United States.
When was The Tri-County Bank founded?
It was established in 1945, per the FDIC institution directory.
Is The Tri-County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Tri-County Bank?
The Tri-County Bank's primary federal regulator is the FDIC.
How many branches does The Tri-County Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Tri-County Bank's Texas Ratio?
Its Texas Ratio is 0.11% 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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