The Tri-County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2348.15 percentage points higher than in Q1 2026, at 9300.00%. Within Nebraska, The Tri-County Bank is 104th of 138 on return on assets, 1.04% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Tri-County Bank sits 0.22 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.45% |
| Equity capital to assets | 8.03% |
| Tangible equity to tangible assets | 6.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.11% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 9300.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 15.03% |
| Net interest margin | 4.39% |
| Efficiency ratio | 66.74% |
| Yield on earning assets | 6.25% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.44% |
| Core deposits to total deposits | 91.80% |
| Brokered deposits to total deposits | 6.58% |
| Deposits to assets | 91.15% |
| Securities to assets | 24.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.07% | 0.30% |
| Q4 2023 | — | — | — | 9.01% | 0.37% |
| Q1 2024 | — | — | — | 8.68% | 0.31% |
| Q2 2024 | — | — | — | 8.71% | 0.31% |
| Q3 2024 | 11.76% | 11.76% | 12.87% | 8.75% | 0.44% |
| Q4 2024 | 11.53% | 11.53% | 12.60% | 8.77% | 0.76% |
| Q1 2025 | 11.99% | 11.99% | 13.10% | 9.24% | 0.58% |
| Q2 2025 | — | — | — | 9.33% | 0.64% |
| Q3 2025 | — | — | — | 9.87% | 0.79% |
| Q4 2025 | — | — | — | 9.63% | 1.04% |
| Q1 2026 | — | — | — | 9.87% | 0.91% |
| Q2 2026 | — | — | — | 8.45% | 1.04% |
The Tri-County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Tri-County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16339) · FFIEC NIC profile (RSSD 657954)