BlastPoint's Banking Scorecard
Tri-County Bank & Trust Company
Micro
Specialty: Commercial
IN
FDIC cert 210
Designations: ✓ Community bank
Roachdale, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Tri-County Bank & Trust Company 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
- - Net Interest Margin 1.16% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$295.7M
+1.3% YoY
+1.7% QoQ
|
+$78.2M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$201.6M
-6.1% YoY
-1.9% QoQ
|
+$62.4M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$241.3M
+3.1% YoY
+2.0% QoQ
|
+$57.7M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.30%
+10.4% YoY
+34.2% QoQ
|
-0.79% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.70%
+5.2% YoY
+1.1% QoQ
|
-1.16% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
83.32%
-2.0% YoY
-1.2% QoQ
|
+15.60% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.75%
+70.8% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
83.54%
-8.9% YoY
-3.9% QoQ
|
+9.01% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
18.67%
-9.6% YoY
-1.5% QoQ
|
-3.72% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.51%
+64.8% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
-5.5% YoY
+32.9% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.70%
(Tier avg: 3.85%, National avg: 3.75%)
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
75
75th pctile
Total Loans
Current: $201.6M · Tier avg: $139.2M
71
71th pctile
Total Assets
Current: $295.7M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $241.3M · Tier avg: $183.7M
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.54% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.67% · Tier avg: 22.39%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
15
15th pctile
Efficiency Ratio
Current: 83.32% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.85%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
15
15th pctile
Efficiency Ratio
Current: 83.32% · Tier avg: 67.73%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.67% · Tier avg: 22.39%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.54% · Tier avg: 74.53%
69
69th pctile
Total Deposits
Current: $241.3M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $295.7M · Tier avg: $217.5M
75
75th pctile
Total Loans
Current: $201.6M · Tier avg: $139.2M