BlastPoint's Banking Scorecard
Tri-County Bank
Community
Specialty: Commercial
MI
FDIC cert 977
Brown City, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Tri-County Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 18% in Community
- + Net Interest Margin 1.04% above tier
- + Efficiency Ratio 20.19% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35% in Community
- - Capital Thin: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$604.5M
+4.6% YoY
+0.2% QoQ
|
-$787.0M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$468.2M
+9.5% YoY
+2.3% QoQ
|
-$507.3M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$517.3M
+3.7% YoY
-0.2% QoQ
|
-$647.3M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
2.08%
+22.7% YoY
-1.5% QoQ
|
+0.92% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.70%
+14.9% YoY
+2.0% QoQ
|
+1.04% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
42.44%
-7.5% YoY
-0.9% QoQ
|
-20.19% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.26%
-51.6% YoY
-52.6% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
90.50%
+5.6% YoY
+2.6% QoQ
|
+7.44% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
23.16%
-3.8% YoY
-1.3% QoQ
|
+2.12% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.20%
-49.3% YoY
-51.6% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
+1.2% YoY
+33.2% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#68 of 371 · Top 18% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.08%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.70%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.44%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Liquidity Strain
risk
#179 of 513 · Bottom 35% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.50%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Thin
risk
#199 of 432 · Bottom 46% 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
94
94th pctile
Efficiency Ratio
Current: 42.44% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%
91
91th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.66%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.16% · Tier avg: 21.05%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.50% · Tier avg: 83.06%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Total Loans
Current: $468.2M · Tier avg: $975.5M
16
16th pctile
Total Deposits
Current: $517.3M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $604.5M · Tier avg: $1.4B
Top Weaknesses
15
15th pctile
Total Assets
Current: $604.5M · Tier avg: $1.4B
16
16th pctile
Total Deposits
Current: $517.3M · Tier avg: $1.2B
25
25th pctile
Total Loans
Current: $468.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.50% · Tier avg: 83.06%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.16% · Tier avg: 21.05%
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
91
91th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.66%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 42.44% · Tier avg: 62.63%