BlastPoint's Banking Scorecard
Tri City National Bank
Community
Specialty: Commercial
WI
FDIC cert 18922
Oak Creek, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Tri City National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+5.1% YoY
+3.4% QoQ
|
+$616.2M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.2B
-1.1% YoY
+1.2% QoQ
|
+$177.1M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.8B
+3.8% YoY
+3.9% QoQ
|
+$642.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.78%
+32.6% YoY
+2.2% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.50%
+21.2% YoY
+1.0% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
73.69%
-0.7% YoY
-1.6% QoQ
|
+11.06% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.46%
-26.9% YoY
+58.3% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
63.78%
-4.7% YoY
-2.6% QoQ
|
-19.28% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.03%
+1.1% YoY
-7.7% QoQ
|
+1.98% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.27%
-31.2% YoY
+55.0% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.72%
-17.1% YoY
+28.7% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#213 of 432 · Bottom 49% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.78% · Tier avg: 83.06%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.03% · Tier avg: 21.05%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 73.69% · Tier avg: 62.63%
Top Weaknesses
19
19th pctile
Efficiency Ratio
Current: 73.69% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.03% · Tier avg: 21.05%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.78% · Tier avg: 83.06%