Tri-County Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Tri-County Bank & Trust Company is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $314M in assets, including $207M in loans. Returns are subdued: 0.37% ROA and 4.87% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.09% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 1.23% NPL ratio. 5 branches make up the footprint.
As of June 30, 2026, Tri-County Bank & Trust Company reported a Tier 1 leverage ratio of 9.09%, a return on assets of 0.37%, a nonperforming-loan ratio of 1.23%, a Texas ratio of 27.01%, per financial data filed with the FFIEC.
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
- Offices
- 5 domestic
- Employees (FTE)
- 45
- Domestic deposits
- $259.4M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$60K
- 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)
- Ultimate Parent
- NORTH SALEM STATE BANCORPORATION, THE (RSSD 1136830)
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.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
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.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Tri-County Bank & Trust Company, freeTri-County Bank & Trust Company 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.
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 | 9.09% | 0.37% | 1.23% | 27.01% | 2.73% |
| Q1 2026 | 9.50% | 0.35% | 0.95% | 7.34% | 2.58% |
| Q4 2025 | 9.59% | 0.52% | 0.37% | 5.93% | 2.75% |
| Q3 2025 | 9.56% | 0.50% | 0.37% | 3.68% | 2.68% |
| Q2 2025 | 9.53% | -0.14% | 0.36% | 3.78% | 2.64% |
| Q1 2025 | 9.52% | 0.30% | 0.04% | 3.10% | 2.56% |
| Q4 2024 | 9.17% | 0.38% | 0.04% | 0.37% | 2.58% |
| Q3 2024 | 8.98% | 0.22% | 0.08% | 0.84% | 2.47% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and 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 5 branches →
| 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
What the public regulatory sources show for Tri-County Bank & Trust Company, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IN, rank 83 of 131 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.
- 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 & 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Tri-County Bank & Trust Company headquartered?
Tri-County Bank & Trust Company is headquartered in Roachdale, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Tri-County Bank & Trust Company founded?
Tri-County Bank & Trust Company was established in 1892, per the FDIC institution directory.
Is Tri-County Bank & Trust Company FDIC-insured?
Yes. Tri-County Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Tri-County Bank & Trust Company operate?
Tri-County Bank & Trust Company 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?
Tri-County Bank & Trust Company's Texas Ratio is 27.01% in its Q2 2026 call report, within the typical range for US community banks (25–50%). 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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