Tri-County Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Tri-County Bank. Based in Brown City, Michigan, it had $639 million in assets at June 30, 2026, up 7.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 0.55% a year earlier. It earns about $2.31 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $95 million non-owner-occupied commercial real estate book: 5.97% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 14.3% and deposits rose 6.3%. Credit is the area to watch: it carries problem assets equal to 7.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Tri-County Bank reported a return on assets of 2.31%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 7.65%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4190 Main St, Brown City, MI 48416
- County
- Sanilac
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 29, 1889
- Offices
- 12 domestic
- Employees (FTE)
- 85
- Domestic deposits
- $545.6M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- -$57K
- Average total assets
- $644.2M
- Average total loans
- $504.9M
- Average interest-bearing deposits
- $421.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 977
- Fed RSSD
- 695349
- Website
- www.tri-countybank.bank →
- Parent Holding Company
- TRI-COUNTY BANCORP, INC. (RSSD 1969506)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Tri-County Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Tri-County Bank, freeTri-County Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Tri-County Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.56% | 2.31% | 1.30% | 7.65% | 4.93% |
| Q1 2026 | 13.45% | 2.25% | 1.37% | 8.23% | 4.96% |
| Q4 2025 | 13.27% | 1.94% | 0.26% | 1.51% | 4.86% |
| Q3 2025 | 13.05% | 2.25% | 0.53% | 3.24% | 4.75% |
| Q2 2025 | 12.78% | 2.10% | 0.55% | 3.34% | 4.48% |
| Q1 2025 | 12.67% | 1.94% | 0.57% | 3.51% | 4.27% |
| Q4 2024 | 12.40% | 1.71% | 0.51% | 3.45% | 4.13% |
| Q3 2024 | 12.05% | 1.69% | 0.04% | 0.23% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tri-County Bank (main office) | Brown City , MI | 48416 | $184.7M |
| Yale Branch | Yale , MI | 48097 | $63.1M |
| Almont Branch | Almont , MI | 48003 | $61.2M |
| Imlay City Branch | Imlay City , MI | 48444 | $51.9M |
| Peck Branch | Peck , MI | 48466 | $50.5M |
| Romeo Branch | Romeo , MI | 48065 | $42.2M |
| Marlette Branch | Marlette , MI | 48453 | $34.0M |
| North Branch Office Branch | North Branch , MI | 48461 | $25.4M |
| Kingston Branch | Kingston , MI | 48741 | $14.3M |
| Capac Supermarket Branch | Capac , MI | 48014 | $13.0M |
| Cass City Branch | Cass City , MI | 48726 | $5.4M |
| Ben's Supermarket Branch | Brown City , MI | 48416 | $0 |
Regulatory record
What the public regulatory sources show for Tri-County Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 18, 2015, Federal Reserve: Civil Money Penalty, $5000: Tri-County Bank, Brown City, Michigan
- Period: Most recent institution action November 18, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MI, rank 36 of 98 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 63 loans originated, $14.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $395K approved, $395K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Tri-County Bank
What are Tri-County Bank's total assets?
As of the Q2 2026 filing, Tri-County Bank reported total assets of $638.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Tri-County Bank headquartered?
Tri-County Bank is headquartered in Brown City, MI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Tri-County Bank founded?
Tri-County Bank was established in 1889, per the FDIC institution directory.
Is Tri-County Bank FDIC-insured?
Yes. Tri-County Bank is an FDIC-insured commercial bank (FDIC Certificate #977). 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?
Tri-County Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Tri-County Bank operate?
Tri-County Bank operates 12 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's Texas Ratio?
Tri-County Bank's Texas Ratio is 7.65% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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