Tri-County Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tri-County Bank & Trust Company of Roachdale, IN against its peer group of 2672 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 | 0.37% | 1.34% | -0.97% | 10th bottom |
| ROAE | 4.87% | 13.32% | -8.45% | 14th bottom |
| Net Interest Margin | 2.73% | 3.93% | -1.20% | 5th bottom |
| Efficiency Ratio | 82.00% | 61.13% | +20.87% | 12th bottom |
| PPNR / Avg Assets | 0.48% | 1.68% | -1.20% | 8th bottom |
| Yield on Earning Assets | 4.88% | 5.67% | -0.79% | 19th bottom |
| Cost of Funds | 2.33% | 1.88% | +0.45% | 20th bottom |
| Net Interest Spread | 2.19% | 3.32% | -1.13% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.94% | +0.29% | 23rd bottom |
| NPA / Total Assets | 0.81% | 0.70% | +0.11% | 26th below |
| NCO / Avg Loans | -0.08% | 0.16% | -0.24% | 96th top |
| ACL / Total Loans | 1.41% | 1.28% | +0.13% | 72nd above |
| ACL / NPLs (Coverage) | 114.21% | 1539.15% | -1424.94% | 32nd below |
| Texas Ratio | 27.01% | 7.33% | +19.68% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.09% | 12.14% | -3.05% | 14th bottom |
| Equity / Assets | 7.52% | 11.38% | -3.86% | 9th bottom |
| TCE / Tangible Assets | 7.52% | 11.09% | -3.57% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.67% | 80.64% | -0.97% | 52nd above |
| Core Deposit Ratio | 93.18% | 86.86% | +6.32% | 75th top |
| Wholesale Funding Ratio | 9.56% | 5.03% | +4.53% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.80% | 6.85% | -2.05% | 53rd above |
| Loan Growth (Y/Y) | -0.59% | 7.91% | -8.50% | 21st bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.19% | 6.29% | -1.10% | 59th above |
See Tri-County Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tri-County Bank & Trust Company, 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 & Trust Company profile, how to read a UBPR, or how this data updates.