Tri-County Bank & Trust Company: 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.
Reserve coverage of non-performing loans dropped 28.94 percentage points in Q2 2026, from 143.15% to 114.21%. It was the largest change from Q1 2026 among the key lines here. Tri-County Bank & Trust Company has the 9th lowest return on assets of the 87 banks headquartered in Indiana, at 0.37% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Tri-County Bank & Trust Company reported 0.37% on return on assets in Q2 2026, 0.87 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.09% |
| Equity capital to assets | 7.52% |
| Tangible equity to tangible assets | 7.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.23% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 27.01% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 114.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 4.87% |
| Net interest margin | 2.73% |
| Efficiency ratio | 82.00% |
| Yield on earning assets | 4.88% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.67% |
| Core deposits to total deposits | 93.18% |
| Brokered deposits to total deposits | 0.96% |
| Deposits to assets | 82.64% |
| Securities to assets | 17.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.79% | 0.48% | 2.75% | 0.01% | -0.07% |
| Q4 2023 | 9.41% | 0.13% | 2.64% | 0.11% | 0.02% |
| Q1 2024 | 9.17% | 0.21% | 2.40% | 0.04% | -0.00% |
| Q2 2024 | 9.09% | 0.26% | 2.54% | 0.09% | 0.00% |
| Q3 2024 | 8.98% | 0.22% | 2.47% | 0.08% | -0.01% |
| Q4 2024 | 9.17% | 0.38% | 2.58% | 0.04% | 0.00% |
| Q1 2025 | 9.52% | 0.30% | 2.56% | 0.04% | 0.00% |
| Q2 2025 | 9.53% | -0.14% | 2.64% | 0.36% | 0.00% |
| Q3 2025 | 9.56% | 0.50% | 2.68% | 0.37% | 0.00% |
| Q4 2025 | 9.59% | 0.52% | 2.75% | 0.37% | 0.00% |
| Q1 2026 | 9.50% | 0.35% | 2.58% | 0.95% | -0.04% |
| Q2 2026 | 9.09% | 0.37% | 2.73% | 1.23% | -0.08% |
Tri-County Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-County Bank & Trust Company, 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 Tri-County Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 210) · FFIEC NIC profile (RSSD 914545)