Tri-County Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Tri-County Bank & Trust Company is an FDIC-insured commercial bank headquartered in Roachdale, IN, established in 1892 (FDIC certificate 210), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $313.9M, up 4.8% from Q2 2025, the 60th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 210
- Headquarters
- Roachdale, IN
- Established
- 1892
- Total assets, Q2 2026
- $313.9M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 9.09%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 074908934
- Latest call report
- Q2 2026, FFIEC 051 · Tri-County Bank & Trust Company call report
- Holding company
- TRI-COUNTY BANCORP.
- Asset rank in state
- 60th of 87 in Indiana
Problem loans are rising at Tri-County Bank & Trust Company. Its balance sheet stood at $314 million at June 30, 2026, up 4.8% from a year earlier; it is based in Roachdale, Indiana. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.45% of loans from 0.42% a year earlier. It earns about $0.37 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.73 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans fell 0.6% and deposits rose 5.2%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.1 million equal 22% of Tier 1 capital, down from 27% a year earlier. Credit is the area to watch: it carries problem assets equal to 26.9% of the capital and reserves that would absorb them, 10.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Tri-County Bank & Trust Company reported a return on assets of 0.37%, a nonperforming-loan ratio of 3.45% and a Texas ratio of 26.88%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Tri-County Bank & Trust Company is the 60th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.5% to $313.9M, loans fell 0.3% and deposits rose 4.3%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 35.8% of total loans, ahead of 1-4 family residential loans at 22.1%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in IN; its Crawfordsville 2 offices book 60% of its branch deposits. Judged on its Q2 2026 call report, Tri-County Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 18 E Washington St, Roachdale, IN 46172
- County
- Putnam
- Metro Area
- Greencastle, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 7, 1892
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $259.4M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$60K
- Average total assets
- $310.2M
- Average total loans
- $207.6M
- Average interest-bearing deposits
- $208.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 210
- Fed RSSD
- 914545
- Website
- tcbnow.bank →
- Parent Holding Company
- TRI-COUNTY BANCORP. (RSSD 1205286)
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 & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Tri-County Bank & Trust Company's total assets moved between a low of $289.2M (Q3 2023) and a high of $313.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$313.9M total assets against $299.5M; $290.3M total liabilities against $277.4M.
$203.8M net loans and leases against $205.0M; $259.4M total deposits against $246.6M.
$56.0M securities against $50.0M; $40.3M cash and balances due against $30.8M.
$3.7M total interest income against $3.4M; $1.6M total interest expense against $1.6M.
$2.0M net interest income against $1.8M.
$221K total noninterest income against $240K; $1.9M total noninterest expense against $1.8M.
$37K provision for credit losses against $29K.
$290K net income against -$101K.
0.37% return on assets against -0.14%; 2.73% net interest margin against 2.64%.
9.09% tier 1 leverage ratio against 9.53%.
Inside the full Tri-County Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Tri-County Bank & Trust Company rankings
Its closest position to the top of a national ranking is 81 of 3,640, for Texas Ratio; its furthest is 3,355 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.14% (Q2 2025) to 0.52% (Q4 2025) and its net interest margin ran from 2.47% (Q3 2024) to 2.75% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.09% | 0.37% | 3.45% | 26.88% | 2.73% |
| Q1 2026 | 9.50% | 0.35% | 0.93% | 7.18% | 2.58% |
| Q4 2025 | 9.59% | 0.52% | 0.74% | 5.74% | 2.75% |
| Q3 2025 | 9.56% | 0.50% | 0.43% | 3.45% | 2.68% |
| Q2 2025 | 9.53% | -0.14% | 0.42% | 3.49% | 2.64% |
| Q1 2025 | 9.52% | 0.30% | 0.32% | 2.78% | 2.56% |
| Q4 2024 | 9.17% | 0.38% | 0.00% | 0.00% | 2.58% |
| Q3 2024 | 8.98% | 0.22% | 0.05% | 0.44% | 2.47% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Main Street Crawfordsville Branch | Crawfordsville , IN | 47933 | $77.4M |
| South Boulevard Branch | Crawfordsville , IN | 47933 | $77.3M |
| Tri-County Bank & Trust Company (main office) | Roachdale , IN | 46172 | $61.6M |
| Bainbridge Branch | Bainbridge , IN | 46105 | $28.7M |
| Russellville Branch | Russellville , IN | 46175 | $14.4M |
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 |
|---|---|---|---|
| September 2, 1969 | Structure Change | Acquired State Bank of Russellville 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 83 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 98 applications, 81 loans originated, $7.5M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 & Trust Company
What are Tri-County Bank & Trust Company's total assets?
As of the Q2 2026 filing, Tri-County Bank & Trust Company reported total assets of $313.9 million in its FFIEC call report.
Where is Tri-County Bank & Trust Company headquartered?
It is headquartered in Roachdale, IN, United States.
When was Tri-County Bank & Trust Company founded?
It was established in 1892, per the FDIC institution directory.
Is Tri-County Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #210). 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 & Trust Company?
Tri-County Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Tri-County Bank & Trust Company operate?
It operates 5 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 26.88% 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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